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1. 发明申请

WO2012106655A2 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：商业消费者桥梁平台设备，方法和系统
公开(公告)号：WO2012106655A2
公开(公告)日：2012-08-09
申请号：PCT/US2012/023856
申请日：2012-02-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward N. , KUMNICK, Phillip Lyle , HARRIS, Theodore David , FAITH, Patrick , SCHULZ, Jennifer Ann
发明人： KATZIN, Edward N. , KUMNICK, Phillip Lyle , HARRIS, Theodore David , FAITH, Patrick , SCHULZ, Jennifer Ann
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/027 , G06Q20/12 , G06Q20/4016
摘要： The merchant-consumer bridging platform apparatuses, methods and systems ("MCB-Platform") various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.
摘要翻译：通过MCB-Platform组件将商业消费者桥接平台设备，方法和系统（“MCB平台”）各种活动请求（例如，交易请求，商家信息更新请求，提供发行请求等）转换成交易记录和商家数据库更新输出。在一个实现中，公开了一种方法，包括：接收包括与商家相关联的商家信息的活动请求; 从数据库检索先前存储的商家记录; 基于所述商家信息和先前存储的商家记录的比较来确定商家信息更新标记; 确定商家信息更新的置信度度; 基于活动请求检索置信度要求; 在低延迟处理时间帧内确定所确定的置信度量度是否满足所检索的置信度要求; 当确定的置信度量度满足所检索的置信度要求时，执行所请求的活动并更新具有商户信息更新标记的先前存储的商家记录; 并且当所确定的置信度量度满足检索的置信度要求时，拒绝活动请求。

2. 发明申请

WO2012106655A3 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：商业消费者桥梁平台设备，方法和系统
公开(公告)号：WO2012106655A3
公开(公告)日：2014-04-17
申请号：PCT/US2012023856
申请日：2012-02-03
申请人： VISA INT SERVICE ASS , KATZIN EDWARD N , KUMNICK PHILLIP LYLE , HARRIS THEODORE DAVID , FAITH PATRICK , SCHULZ JENNIFER ANN
发明人： KATZIN EDWARD N , KUMNICK PHILLIP LYLE , HARRIS THEODORE DAVID , FAITH PATRICK , SCHULZ JENNIFER ANN
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/027 , G06Q20/12 , G06Q20/4016
摘要： Various activity requests including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.
摘要翻译：各种活动请求，包括与商家相关联的商家信息; 从数据库检索先前存储的商家记录; 基于所述商家信息和先前存储的商家记录的比较来确定商家信息更新标记; 确定商家信息更新的置信度度; 基于活动请求检索置信度要求; 在低延迟处理时间帧内确定所确定的置信度量度是否满足所检索的置信度要求; 当确定的置信度量度满足所检索的置信度要求时，执行所请求的活动并更新具有商户信息更新标记的先前存储的商家记录; 并且当所确定的置信度量度满足检索的置信度要求时，拒绝活动请求。

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