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1. 发明申请

WO2013138756A1 SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER 审中-公开
标题翻译：通过交易处理方式应付利益的制度和方法
公开(公告)号：WO2013138756A1
公开(公告)日：2013-09-19
申请号：PCT/US2013/032307
申请日：2013-03-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： OVICK, Joseph Bjorn , CARLSON, Mark , HAGEY, Ryan , REID, Margaret , STAN, Patrick , WRIGHT, Patrick , KOGANTI, Krishna Prasad , POWELL, Glenn , KUMNICK, Phillip Lyle
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： G06Q30/0222 , G06Q20/10 , G06Q20/12 , G06Q20/3221 , G06Q20/387 , G06Q20/40 , G06Q20/401 , G06Q20/405 , G06Q30/0225 , G06Q30/0239
摘要： A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.
摘要翻译：一种系统包括：交易处理器，被配置为将表示商家的获取方处理器和代表账户持有者的发行者处理器之间发起的交易分开到与所述发行者处理器分开的交易中，以及至少一个赞助商处理器，提供适用的交易。门户被配置为使用与交易终端分开的通信信道通知账户持有者对利益的授予/兑换，该交易终端启动并且批准账户持有者与商家之间的交易。

2. 发明申请

WO2013055827A1 SYSTEMS AND METHODS TO PROVIDE DISCOUNT AT POINT OF SALES TERMINALS 审中-公开
标题翻译：系统和方法提供销售点终点的折扣
公开(公告)号：WO2013055827A1
公开(公告)日：2013-04-18
申请号：PCT/US2012/059607
申请日：2012-10-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAGEY, Ryan , REID, Margaret , OVICK, Joseph , CARLSON, Mark , STAN, Patrick , WRIGHT, Patrick , KOGANTI, Kris , POWELL, Glenn
发明人： HAGEY, Ryan , REID, Margaret , OVICK, Joseph , CARLSON, Mark , STAN, Patrick , WRIGHT, Patrick , KOGANTI, Kris , POWELL, Glenn
IPC分类号： G06Q20/40 , G06Q20/20 , G06Q30/02
CPC分类号： G06Q30/02
摘要： A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.
摘要翻译：一种系统和方法包括：交易处理器，被配置为根据适用于交易的要约来应用交易的利益来修改交易量，交易的授权请求或授权响应。

3. 发明申请

WO2012061758A2 SYSTEMS AND METHODS TO REWARD USER INTERACTIONS 审中-公开
标题翻译：提供用户互动的系统和方法
公开(公告)号：WO2012061758A2
公开(公告)日：2012-05-10
申请号：PCT/US2011/059410
申请日：2011-11-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , MACILLWAINE, John, Hamilton
发明人： CARLSON, Mark , STAN, Patrick , MACILLWAINE, John, Hamilton
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0215 , G06F17/30563 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q30/0226 , G06Q30/0236 , G06Q30/0269
摘要： In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an advertisement announcing a reward. The portal is to track user interactions associated with the advertisement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler is to provide the reward to the account of the user via statement credit.
摘要翻译：一方面，系统包括事务处理程序，用于存储在事务处理程序处理的事务数据记录事务和存储识别用户帐户的帐户数据的数据仓库，以及用于接收用户对第一部分的第一部分的用户选择的门户宣传奖励的广告该门户是跟踪与广告相关联的用户交互，以确定用户是否符合奖励条件。在确定用户已经完成用于奖励的用户交互时，交易处理者将通过声明信用来向用户的账户提供奖励。

4. 发明申请

WO2010129317A3 SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION 审中-公开
标题翻译：用于向消费者提供关于付款交易的建议的系统和方法
公开(公告)号：WO2010129317A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032684
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , MAYOR, Shalini
发明人： CARLSON, Mark , MAYOR, Shalini
IPC分类号： G06Q20/00 , G06Q50/00
摘要： Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set. In response to the alert, the consumer may send an SMS or other message that requests "help", "advice", "need information", etc. The consumer may select or activate a user interface element to obtain advice or information regarding the transaction. A consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction.
摘要翻译：用于向消费者提供关于支付交易的提醒或其他信息的系统，设备和方法。当消费者进行支付交易时，可以将警报发送到设备。警报的内容，发送警报的触发器或警报的传送通道可以由消费者设定的一组偏好确定。响应于该警报，消费者可以发送请求“帮助”，“建议”，“需要信息”等的SMS或其他消息。消费者可以选择或激活用户界面元素以获得建议或信息关于交易。消费者在支付交易期间或之后可能会产生消费者的帮助，建议或更多信息请求。为了响应帮助，建议或信息的请求，本发明可以向消费者提供关于交易的可用信息的菜单或列表。

5. 发明申请

WO2010129300A2 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：WO2010129300A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032611
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick L. , HAMMAD, Ayman , REWIS, Ben
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick L. , HAMMAD, Ayman , REWIS, Ben
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 and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumers electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向诸如手机的消费者电子设备发送交易通知消息。

6. 发明申请

WO2010053914A2 SYSTEM INCLUDING AUTOMATED TELLER MACHINE WITH DATA BEARING MEDIUM 审中-公开
标题翻译：系统包括带数据承载介质的自动柜员机
公开(公告)号：WO2010053914A2
公开(公告)日：2010-05-14
申请号：PCT/US2009/063113
申请日：2009-11-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick
发明人： CARLSON, Mark , FAITH, Patrick
IPC分类号： G07F19/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0205 , G06Q30/0207
摘要： Embodiments of the present invention relate to systems and methods of providing customized offers to a consumer at an automated teller machine. The automated teller machine comprises a processor, a computer readable medium coupled to the processor, an output device coupled to the processor, and a reader coupled to the processor. The computer readable medium comprises code for receiving data from a portable ATM device and code for receiving a customized offer after receiving data from the portable ATM device.
摘要翻译：本发明的实施例涉及在自动柜员机处向消费者提供定制报价的系统和方法。该自动柜员机包括处理器，耦合到处理器的计算机可读介质，耦合到处理器的输出装置和耦合到处理器的读取器。计算机可读介质包括用于从便携式ATM装置接收数据的代码和用于在从便携式ATM装置接收数据之后接收定制报价的代码。

7. 发明申请

WO2009158570A2 SYSTEMS AND METHODS FOR GEOGRAPHIC LOCATION NOTIFICATIONS OF PAYMENT TRANSACTIONS 审中-公开
标题翻译：支付交易地理位置通知系统与方法
公开(公告)号：WO2009158570A2
公开(公告)日：2009-12-30
申请号：PCT/US2009/048780
申请日：2009-06-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick
发明人： CARLSON, Mark , FAITH, Patrick
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3226 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/325 , G06Q20/3255 , G06Q20/341 , G06Q20/347 , G06Q20/354 , G06Q20/40 , G06Q20/425 , G07F7/08
摘要： A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.
摘要翻译：公开了一种用于提供支付交易的地理位置通知的方法和系统。本发明的一个实施例涉及一种方法，包括接收与交易相关联的授权请求消息，与便携式消费者设备相关联的交易以及商家处的访问设备。确定交易的地理位置。确定是否需要指示事务正在发生的通知消息。在确定需要通知消息时，通知消息被发送到由消费者操作的通知设备，并且通知设备基本上同时与商家的授权响应消息的接收同时接收通知消息。在通知装置的地图上显示通知消息的图形描述。

8. 发明申请

WO2009003030A3 SECURE MOBILE PAYMENT SYSTEM 审中-公开
标题翻译：安全移动支付系统
公开(公告)号：WO2009003030A3
公开(公告)日：2008-12-31
申请号：PCT/US2008/068172
申请日：2008-06-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark
发明人： CARLSON, Mark
IPC分类号： G06Q20/00 , G06Q40/00
摘要： The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.
摘要翻译：本发明提供了一种用于进行交易的方法，该方法包括接收对应于主账户标识符的伪账户标识符。伪账户标识符可以在便携式无线设备处被接收并且可以由远程服务器计算机生成。便携式无线设备可以通过第一网络接收伪账户标识符，并将伪账户标识符提供给接入设备。访问设备通常包括能够接收伪账户标识符的读取器，并且此后发送消息以请求对事务的授权。授权请求消息可以包括伪账户标识符并被发送到支付处理网络。授权请求消息通过第二网络发送到支付处理网络。支付处理网络然后可以处理授权消息并返回指示交易是否被授权的响应。

9. 发明申请

WO2008083105A2 MOBILE COUPON METHOD AND PORTABLE CONSUMER DEVICE FOR UTILIZING SAME 审中-公开
标题翻译：移动优惠券方法和使用该方法的便携式消费设备
公开(公告)号：WO2008083105A2
公开(公告)日：2008-07-10
申请号：PCT/US2007/088659
申请日：2007-12-21
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , CIUREA, Peter
发明人： CARLSON, Mark , CIUREA, Peter
IPC分类号： G06Q30/00 , G01S5/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0225 , G06Q30/0239
摘要： Embodiments of the present invention relate to systems and methods involving mobile coupons. In one embodiment, an indication of a prior purchase transaction over a payment processing network, serves as a trigger to generate and disseminate a mobile coupon for a subsequent transaction. By generating and promulgating the coupon within a limited time of the first transaction, the recipient is disposed to be receptive based upon his or her current shopping status and also possibly geographic location. According to another embodiment, information from a mobile coupon may be presented from the consumer to a merchant in a contactless manner, utilizing an antenna of a portable device operated by a consumer. Coupon information may be communicated to the merchant with the payment information, or prior to or subsequent to transmission of the payment information to the merchant.
摘要翻译：本发明的实施例涉及涉及移动优惠券的系统和方法。在一个实施例中，通过支付处理网络的先前购买交易的指示充当用于生成和传播用于后续交易的移动优惠券的触发。通过在第一次交易的有限时间内生成和发布优惠券，基于他或她的当前购物状态以及可能的地理位置，接收者被设置为可接受的。根据另一个实施例，利用由消费者操作的便携式设备的天线，来自移动优惠券的信息可以以非接触方式从消费者呈现给商家。优惠券信息可以用支付信息传送给商家，或者在支付信息传送给商家之前或之后传送给商家。

10. 发明申请

WO2008083078A2 CUSTOMIZED PAYMENT TRANSACTION NOTIFICATION 审中-公开
标题翻译：自订付款交易通知
公开(公告)号：WO2008083078A2
公开(公告)日：2008-07-10
申请号：PCT/US2007/088563
申请日：2007-12-21
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick
IPC分类号： G06K7/00 , G06Q20/00 , H04M1/00
CPC分类号： H04W4/24 , G06Q20/10 , G06Q20/3221 , G06Q30/02 , G06Q30/06 , H04M15/00 , H04M15/68 , H04M15/8033 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/85 , H04M15/851 , H04M15/854 , H04M2215/0196 , H04M2215/7435 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/815 , H04M2215/8166
摘要： A method for customizing alerts and notifications for portable consumer device transactions is disclosed. One embodiment of the invention is directed to a method comprising receiving information that a transaction associated with a portable consumer device is occurring, and providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
摘要翻译：公开了一种用于定制便携式消费者设备交易的警报和通知的方法。本发明的一个实施例涉及一种方法，包括接收与便携式消费者设备相关联的交易正在发生的信息，以及向与便携式消费者设备相关联的消费者提供警报，其中所述警报指示交易正在发生，其中根据消费者使用允许用户指定用于接收警报的时间和通信模式的接口先前指定的时间或通信模式，将消息发送给消费者。

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