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41. 发明申请

WO2010129315A2 SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION 审中-公开
标题翻译：作为付款交易的一部分提供消费者援助的系统和方法
公开(公告)号：WO2010129315A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032679
申请日：2010-04-28
申请人： VISA INT SERVICE ASS , CARLSON MARK , MAYOR SHALINI
发明人： CARLSON MARK , MAYOR SHALINI
IPC分类号： G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/26 , G06Q20/3223 , G06Q20/40 , G06Q20/42
摘要： Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction.
摘要翻译：公开了进行支付交易的系统，装置和方法。在示例性实施例中，消费者可能希望在支付商品或服务（例如餐馆的餐点）时添加小费或小费。示例性系统可以基于交易产生警报或其他形式的消息，其中警报或消息可以包括提示的建议量和/或向消费者提供可用于确定提示的量的信息。在一些实施例中，系统，装置和方法可以基于先前建立的用户偏好自动地生成针对提示的估计量，当为该交易寻求授权时，估计的量被添加到商品或服务的基本成本。

42. 发明申请

WO2010129282A2 ALERT ARCHITECTURE 审中-公开
标题翻译：警示架构
公开(公告)号：WO2010129282A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032583
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
IPC分类号： G06Q20/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database, the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.
摘要翻译：公开了系统，系统的架构和用于生成警报消息的方法。用户注册一个警报消息服务。在注册过程期间用户提供的信息被发送到数据库中，用户使用便携式消费者设备来执行交易。事务数据被发送到计算机装置。计算机装置访问包含警报定制数据的数据库。基于事务数据和警报定制数据生成警报消息。警报消息被发送到用户设备。负责执行事务和提供警报消息的系统，资源和过程被分离，使得通过彼此通信的系统并行执行事务处理和警报生成。利用这种方法防止事务处理系统由于额外的过程而过载，同时保持支付处理系统的期望的效率水平，安全性和可靠性。

43. 发明申请

WO2010129257A2 MULTIPLE CHANNEL OPTIMIZATION FOR TRANSACTION MESSAGES 审中-公开
标题翻译：用于交易信息的多通道优化
公开(公告)号：WO2010129257A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032518
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , CARLSON MARK
发明人： HAMMAD AYMAN , CARLSON MARK
IPC分类号： G06Q50/00 , G06F17/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.
摘要翻译：本发明的第一实施例涉及用于确定一组警报触发的优先级并基于所确定的优先级执行附加处理的系统和方法。在一些实施例中，附加处理可以包括生成和发送警报消息。在其他实施例中，附加处理可以进一步包括确定警报消息的生成和发送将被延迟到稍后的时间。在其他实施例中，附加处理可以包括确定不生成和发送警报消息。本发明的第二实施例涉及用于动态选择递送信道并为所选择的递送信道生成警报消息的系统和方法。在一些实施例中，警报消息可以基于所选择的传递信道被格式化。根据一个实施例，可以基于紧凑协议格式生成警报消息。当移动设备接收到警报消息时，移动设备可以使用警报消息来生成第二警报消息。

44. 发明申请

WO2010129245A3 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级别控制和警报
公开(公告)号：WO2010129245A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032495
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick , HAMMAD, Ayman , REWIS, Ben
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick , HAMMAD, Ayman , REWIS, Ben
IPC分类号： G06Q20/00 , G06Q30/00
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.
摘要翻译：本发明的实施例针对用于确定涉及与支付账户的辅助用户进行的交易中的产品并传送包含产品特定信息的消息的系统和方法。可以实施系统以在支付处理期间传输产品标识符。产品特定信息可能包含在发送给帐户持有人的警报消息中。

45. 发明申请

WO2010129202A2 MULTIPLE AGGREGATOR SUPPORT 审中-公开
标题翻译：多种聚类器支持
公开(公告)号：WO2010129202A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032250
申请日：2010-04-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick
发明人： CARLSON, Mark , STAN, Patrick
IPC分类号： H04L12/66 , H04L9/32 , H04L12/58
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems, methods and communication gateways for delivering timely, cost efficient and scalable user alert messages are disclosed. Using electronic communication media, user alert messages are generated by a communication gateway at the request of a requesting entity, such as a credit card issuer. The alert message is associated with a message identifier and then routed to one or more message aggregators based on the content of the alert message initiation request and a routing table. If the first selection of message aggregators is not available or otherwise unable to deliver the user alert message, then the communication gateway can reroute the user alert message to another message aggregator or queue the message for later delivery. The communication gateway can monitor and log the status and ability of the servicing message aggregator in the routing table to better facilitate timely delivery of the user alert messages.
摘要翻译：公开了用于提供及时，成本效益和可扩展的用户警报消息的系统，方法和通信网关。使用电子通信媒体，通过请求实体（例如信用卡发行者）的请求，由通信网关生成用户警报消息。警报消息与消息标识符相关联，然后基于警报消息发起请求和路由表的内容路由到一个或多个消息聚合器。如果消息聚合器的第一选择不可用或以其他方式不能传递用户警报消息，则通信网关可以将用户警报消息重新路由到另一个消息聚合器或者将该消息排队以供以后传送。通信网关可以在路由表中监视和记录服务消息聚合器的状态和能力，以更好地促进用户警报消息的及时传递。

46. 发明申请

WO2010129201A3 ALERTS LIFE CYCLE 审中-公开
标题翻译：警报生命周期
公开(公告)号：WO2010129201A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032239
申请日：2010-04-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , HAMMAD, Ayman
发明人： CARLSON, Mark , HAMMAD, Ayman
IPC分类号： G06Q50/00 , G06F17/00
摘要： Server computers and methods for updating or changing user alert message settings when changes are made to one or more user accounts are disclosed. The change in the user accounts can include transfers of a user account or user account identifier from one user account issuer to another user account issuer. The change in user accounts can be initiated by a user or issuer associated with the user account. When changes are made to the user accounts or changes are made to the user alert message settings, the server computer can confirm the changes with the user or issuer associated with the user accounts that are changed.
摘要翻译：披露了当对一个或多个用户帐户进行更改时更新或更改用户警报消息设置的服务器计算机和方法。用户账户中的改变可以包括将用户账户或用户账户标识符从一个用户账户发行者转移到另一个用户账户发行者。用户帐户中的更改可以由与该用户帐户关联的用户或发行人发起。当更改用户帐户或对用户警报消息设置进行更改时，服务器计算机可以确认与更改的用户帐户关联的用户或颁发者所做的更改。

47. 发明申请

WO2010129201A2 ALERTS LIFE CYCLE 审中-公开
标题翻译：警告生命周期
公开(公告)号：WO2010129201A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032239
申请日：2010-04-23
申请人： VISA INT SERVICE ASS , CARLSON MARK , HAMMAD AYMAN
发明人： CARLSON MARK , HAMMAD AYMAN
IPC分类号： G06Q50/00 , G06F17/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Server computers and methods for updating or changing user alert message settings when changes are made to one or more user accounts are disclosed. The change in the user accounts can include transfers of a user account or user account identifier from one user account issuer to another user account issuer. The change in user accounts can be initiated by a user or issuer associated with the user account. When changes are made to the user accounts or changes are made to the user alert message settings, the server computer can confirm the changes with the user or issuer associated with the user accounts that are changed.
摘要翻译：公开了对一个或多个用户帐户进行更改时，用于更新或更改用户警报消息设置的服务器计算机和方法。用户帐户的更改可以包括将用户帐户或用户帐户标识符从一个用户帐户发行者转移到另一个用户帐户发行者。用户帐户的更改可以由与用户帐户相关联的用户或发行者启动。当对用户帐户进行更改或对用户警报消息设置进行更改时，服务器计算机可以使用与更改的用户帐户相关联的用户或颁发者确认更改。

48. 发明申请

WO2010123843A3 OBSERVABLE MOMENT ENCRYPTION 审中-公开
公开(公告)号：WO2010123843A3
公开(公告)日：2010-10-28
申请号：PCT/US2010/031669
申请日：2010-04-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , CARLSON, Mark
发明人： FAITH, Patrick , CARLSON, Mark
IPC分类号： G06K19/00 , G06F21/00 , G06Q20/00
摘要： A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer.

49. 发明申请

WO2010036915A3 REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS 审中-公开
标题翻译：实时报表和通知
公开(公告)号：WO2010036915A3
公开(公告)日：2010-07-01
申请号：PCT/US2009058412
申请日：2009-09-25
申请人： VISA INT SERVICE ASS , CARLSON MARK , KESHAN SURENDRA , TRIFILETTI GREG , MIRIZZI JOE , HARIRAMANI PRAKASH PREM , WHITE LAUREN , STAN PATRICK , MACLLWAINE JOHN
发明人： CARLSON MARK , KESHAN SURENDRA , TRIFILETTI GREG , MIRIZZI JOE , HARIRAMANI PRAKASH PREM , WHITE LAUREN , STAN PATRICK , MACLLWAINE JOHN
IPC分类号： G06Q40/00
CPC分类号： G06Q20/387 , G06Q20/04 , G06Q30/0215 , G06Q30/0222 , G06Q40/00
摘要： One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer's account associated with the credit card is credited and the consumer is immediately notified that the account was credited.
摘要翻译：本发明的一个实施例涉及一种包括处理器和耦合到处理器的计算机可读介质的服务器计算机。计算机可读介质包括用于接收指示与主帐号相关联的支付交易已经发生并且匹配触发记录的代码，用于确定支付交易是否符合信用证的代码，用于发起相关帐户的信用的代码如果支付交易有资格获得信用，以及用于与接收交易数据同时发送电子通知消息给与主帐户相关联的消费者的代码。电子通知消息包括关于第一个报价的信息，并且主要帐户被记入第一个报价的数量。例如，接收到交易数据，指示消费者用他的信用卡进行购买。如果购买与先前发送的报价相符，则与信用卡相关联的消费者账户被记入贷方，并立即通知消费者帐户被记入贷方。

50. 发明申请

WO2010036677A3 SYSTEMS AND METHODS FOR SORTING ALERT AND OFFER MESSAGES ON A MOBILE DEVICE 审中-公开
标题翻译：用于在移动设备上分配警报和提供消息的系统和方法
公开(公告)号：WO2010036677A3
公开(公告)日：2010-06-03
申请号：PCT/US2009057969
申请日：2009-09-23
申请人： VISA INT SERVICE ASS , CARLSON MARK , BEBENITA DAN , KESHAN SURENDRA , STAN PATRICK
发明人： CARLSON MARK , BEBENITA DAN , KESHAN SURENDRA , STAN PATRICK
IPC分类号： H04W4/12 , G06Q50/00 , H04W88/02
CPC分类号： H04M1/72552 , G06Q20/3227 , H04L12/1895 , H04L51/14 , H04L51/38 , H04M15/844 , H04W4/12
摘要： A method and system for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.
摘要翻译：一种在移动设备上排序警报和提供消息的方法和系统。本发明的一个实施例涉及一种方法，包括在移动设备处接收警报消息，其中每个警报消息包含与与商家进行的交易相关联的交易数据。在接收到警报消息之后，移动设备从与移动设备相关联的用户接收警报消息排序标准，根据接收的报价排序标准对警报消息进行排序，并显示排序的警报消息。

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