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1. 发明申请

WO2010036804A3 SYSTEM AND METHOD FOR BENEFIT NOTIFICATION 审中-公开
标题翻译：用于通知的系统和方法
公开(公告)号：WO2010036804A3
公开(公告)日：2010-07-08
申请号：PCT/US2009058226
申请日：2009-09-24
申请人： VISA INT SERVICE ASS , TRIFILETTI GREG , MIRIZZI JOE , HARIRAMANI PRAKASH PREM , WHITE LAUREN
发明人： TRIFILETTI GREG , MIRIZZI JOE , HARIRAMANI PRAKASH PREM , WHITE LAUREN
IPC分类号： G06Q40/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/3255 , G06Q20/387 , G06Q30/0226 , G06Q30/0238 , G06Q40/00
摘要： A system and method for generating and sending benefit notifications is disclosed. A consumer can conduct a transaction at a merchant. The consumer may receive a notification containing a reward status indicator. The reward status indicator may be text or a figure that indicates a status of a consumer's purchases toward a reward threshold. With this notification, the consumer can be aware both of how many rewards she has already earned, and how many more rewards she may need to obtain to redeem any rewards. The benefit notification message may be sent while the consumer is still near the merchant, such that the consumer can receive the message with enough time to act on the reward information.
摘要翻译：公开了一种用于产生和发送利益通知的系统和方法。消费者可以在商家进行交易。消费者可能会收到包含奖励状态指示器的通知。奖励状态指示符可以是指示消费者朝向奖励阈值的购买状态的文本或图形。通过此通知，消费者可以意识到她已经获得了多少奖励，以及她可能需要获得多少奖励来赎回任何奖励。在消费者仍然靠近商家的同时可以发送利益通知消息，使得消费者可以在足够的时间接收消息以对奖励信息采取行动。

2. 发明申请

WO2010036915A2 REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS 审中-公开
标题翻译：实时声明信用和通知
公开(公告)号：WO2010036915A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/058412
申请日：2009-09-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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： G06Q30/00 , G06Q20/00
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。该计算机可读介质包括用于接收交易数据的代码，该交易数据指示与主账号相关联的支付交易已经发生并且匹配触发记录，用于确定支付交易是否有资格获得信用的代码，用于发起对关联账户的信用的代码如果支付交易有资格获得信用，则与主帐号一起使用，以及用于基本上与接收交易数据同时向与主帐号相关联的消费者发送电子通知消息的代码。电子通知消息包括关于第一优惠的信息，并且主帐户被记入第一优惠的金额。例如，收到的交易数据表明消费者用他的信用卡进行了购买。如果购买符合先前发送的要约，则与信用卡相关联的消费者账户被记入贷方，并立即通知消费者该账户被记入。

3. 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。

4. 发明申请

WO2010036804A2 SYSTEM AND METHOD FOR BENEFIT NOTIFICATION 审中-公开
标题翻译：用于利益通知的系统和方法
公开(公告)号：WO2010036804A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/058226
申请日：2009-09-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TRIFILETTI, Greg , MIRIZZI, Joe , HARIRAMANI, Prakash, Prem , WHITE, Lauren
发明人： TRIFILETTI, Greg , MIRIZZI, Joe , HARIRAMANI, Prakash, Prem , WHITE, Lauren
IPC分类号： G06Q30/00 , G06Q50/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/3255 , G06Q20/387 , G06Q30/0226 , G06Q30/0238 , G06Q40/00
摘要： A system and method for generating and sending benefit notifications is disclosed. A consumer can conduct a transaction at a merchant. The consumer may receive a notification containing a reward status indicator. The reward status indicator may be text or a figure that indicates a status of a consumer's purchases toward a reward threshold. With this notification, the consumer can be aware both of how many rewards she has already earned, and how many more rewards she may need to obtain to redeem any rewards. The benefit notification message may be sent while the consumer is still near the merchant, such that the consumer can receive the message with enough time to act on the reward information.
摘要翻译：公开了用于生成和发送好处通知的系统和方法。消费者可以在商家进行交易。消费者可能会收到一个包含奖励状态指示符的通知。奖励状态指示符可以是指示消费者的购买朝向奖励阈值的状态的文本或数字。通过此通知，消费者可以知道她已经获得了多少奖励，以及她可能需要获得多少奖励才能兑换任何奖励。福利通知消息可以在消费者仍然在商户附近时发送，使得消费者可以用足够的时间来接收消息以对付奖励信息。

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