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1. 发明申请

WO2012044851A3 ACCUMULATION ALERTS 审中-公开
公开(公告)号：WO2012044851A3
公开(公告)日：2012-04-05
申请号：PCT/US2011/054060
申请日：2011-09-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , OLIVIA, Francisco , MAKHDUMI, Uzma , STAN, Pat , VAN DELOO, Lori , CUELI, Allen
发明人： HAMMAD, Ayman , OLIVIA, Francisco , MAKHDUMI, Uzma , STAN, Pat , VAN DELOO, Lori , CUELI, Allen
IPC分类号： G06Q20/00 , G06Q50/00 , G06Q30/00
摘要： Systems and methods for defining, observing and detecting transactions that initiate an alert message to be sent to one or more users are disclosed. Aggregate threshold, number of transactions and proximity to reward types of alert messages and alert criteria can be defined or selected by users, merchants, and issuers. Alert messages can be sent based on aggregating transaction data from an observed transaction with information from historical transactions, such as credit card transactions. If the aggregated transaction data associated with the transactions match any of the alert criteria, then alert messages can be sent to one or more users. An alert message may include information from the alert trigger as well as the aggregated transaction data.

2. 发明申请

WO2011031450A2 ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
标题翻译：在线保修历史存储访问
公开(公告)号：WO2011031450A2
公开(公告)日：2011-03-17
申请号：PCT/US2010/046467
申请日：2010-08-24
申请人： VISA U.S.A. INC. , CARLSON, Mark , STAN, Pat , FAITH, Patrick, L. , HAMMAD, Ayman, A. , REWIS, Ben
发明人： CARLSON, Mark , STAN, Pat , FAITH, Patrick, L. , HAMMAD, Ayman, A. , REWIS, Ben
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/40 , G06Q30/012 , G06Q30/06
摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).
摘要翻译：确认购买项目的交易的消息可以包括项目和消费者的标识符以及与交易有关的信息。项目标识符用于查找项目的明示保修。消费者标识符（例如，向消费者发放的帐户的数量）用于定位消费者在其中存储明示保证的文件以及与交易相关的信息的至少一部分。在各消息中收到的其他数据也可以存储在消费者的文件中。此后，可以使用消费者标识符来检索存储在文件中的所有对于过去各个所购商品的所有明示保证。关于每个明示保修的信息可以与存储的与交易有关的信息部分进行比较，以便仅检索那些有效（例如未到期）的明示保证。

3. 发明申请

WO2010108023A2 ACCOUNT ACTIVITY ALERT 审中-公开
标题翻译：帐户活动提醒
公开(公告)号：WO2010108023A2
公开(公告)日：2010-09-23
申请号：PCT/US2010/027847
申请日：2010-03-18
申请人： VISA U.S.A.INC. , NIGHTENGALE, Brad , ROWBERRY, Sharon , STAN, Pat
发明人： NIGHTENGALE, Brad , ROWBERRY, Sharon , STAN, Pat
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q40/02 , G06Q20/04 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： An alert recipient receives an account alert after an account activity satisfies criteria of an alert rule. The account alert may be triggered by the usage of a consumer identifier with any of: an application for a new account, an account activation request, or an account usage. To illustrate, a fraudster may utilize the consumer identifier in an application to open a new account, to activate an issued prepaid account, or conduct a transaction on an activated issued prepaid account. Data from the account application, activation, or transaction may be sent to a host that compares the data against the criteria of an alert rule. If the criterion is satisfied, the account alert is sent to the account recipient. The account recipient may required to respond to the alert in order to permit the activity that is the subject of the account alert.
摘要翻译：在帐户活动满足警报规则的条件之后，警报接收者收到帐户警报。可以通过使用消费者标识符来触发帐户警报，其中包括：新帐户的应用程序，帐户激活请求或帐户使用。为了说明，欺诈者可以利用应用程序中的消费者标识符来打开新帐户，激活已发行的预付帐户，或者在激活的已发放的预付帐户上进行交易。来自帐户应用程序，激活或事务的数据可以发送到主机，该主机将数据与警报规则的标准进行比较。如果满足标准，则将帐户警报发送到帐户收件人。帐户收件人可能需要响应警报，以允许作为帐户警报主题的活动。

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