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1. 发明申请

WO2012040270A2 SYSTEMS AND METHODS TO PROGRAM OPERATIONS FOR INTERACTION WITH USERS 审中-公开
标题翻译：用于与用户交互的程序运行的系统和方法
公开(公告)号：WO2012040270A2
公开(公告)日：2012-03-29
申请号：PCT/US2011052465
申请日：2011-09-21
申请人： VISA USA INC , CARLSON MARK , STAN PATRICK
发明人： CARLSON MARK , STAN PATRICK
IPC分类号： G06Q20/00 , G06Q50/00 , H04W4/12
CPC分类号： G06Q30/06 , G06Q20/40 , G06Q30/0222
摘要： In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign.
摘要翻译：一方面，计算装置被配置为基于对预定类型的事件的检测的要求和响应于每次事件的发生被调度来执行的动作来表示提供规则。这些事件在处理中彼此独立，并通过先决条件链接以制定要约活动的要求。

2. 发明申请

WO2008083078A3 CUSTOMIZED PAYMENT TRANSACTION NOTIFICATION 审中-公开
标题翻译：客户付款交易通知
公开(公告)号：WO2008083078A3
公开(公告)日：2008-08-21
申请号：PCT/US2007088563
申请日：2007-12-21
申请人： VISA USA INC , CARLSON MARK , STAN PATRICK , FAITH PATRICK
发明人： CARLSON MARK , STAN PATRICK , FAITH PATRICK
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： H04W4/26 , 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 , H04W4/24
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，其中警报指示交易正在发生，其中根据先前由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所指定的时间或通信模式，将警报发送给消费者。

3. 发明申请

WO2011119591A3 MERCHANT CONFIGURED ADVERTISED INCENTIVES FUNDED THROUGH STATEMENT CREDITS 审中-公开
标题翻译：通过声明资料资助的商业配置广告激励
公开(公告)号：WO2011119591A3
公开(公告)日：2012-03-15
申请号：PCT/US2011029401
申请日：2011-03-22
申请人： VISA USA INC , MACILWAINE JOHN HAMILTON , STAN PATRICK , KESHAN SURENDRA , CARLSON MARK
发明人： MACILWAINE JOHN HAMILTON , STAN PATRICK , KESHAN SURENDRA , CARLSON MARK
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0215
摘要： An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.
摘要翻译：广告激励系统接收由商家提供的广告激励配置信息。广告激励配置信息定义了广告激励横幅的内容。广告的激励横幅是根据需要提供给商家在商家的网站上展示的。帐户持有人与广告激励横幅互动后，从帐户持有人收到广告激励注册信息。收到包含由账户持有人进行的合格购买的交易信息。广告激励注册和合格购买相匹配。对帐户持有人的帐户发出一张报表信用额，并以商誉账户的金额发出借方。

4. 发明专利

AU2016262674A1 SYSTEMS AND METHODS TO PROCESS AN OFFER CAMPAIGN BASED ON INELIGIBILITY 未知
公开(公告)号：AU2016262674A1
公开(公告)日：2016-12-08
申请号：AU2016262674
申请日：2016-11-22
申请人： CARLSON MARK , SPEARS JOSEPH , STAN PATRICK
发明人： SPEARS JOSEPH , CARLSON MARK , STAN PATRICK
IPC分类号： G06Q30/02
摘要： In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event. Advertisement Data 135 User Specific Advertisement Profile 131 Selector 133 Transaction Profile Profiles 127 Selector 19 ------------ -------------C o rre la tio nt Profile - Result 23 Generator 121 User Data 125 ----------t---- User Specific Correlator Advertisement ___ Data 119 Transaction Account Data User Tracker Media Data 109 111 [ 113 Controller 115 Transaction Transaction Point of Handler 103 Terminal 105 Interaction _0_ User 10i

5. 发明专利

AU2019203112A1 SYSTEMS AND METHODS TO PROCESS AN OFFER CAMPAIGN BASED ON INELIGIBILITY 未知
公开(公告)号：AU2019203112A1
公开(公告)日：2019-05-23
申请号：AU2019203112
申请日：2019-05-02
申请人： CARLSON MARK , SPEARS JOSEPH , STAN PATRICK
发明人： CARLSON MARK , SPEARS JOSEPH , STAN PATRICK
IPC分类号： G06Q30/02
摘要： In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event.

6. 发明专利

AU2013200803A1 SYSTEMS AND METHODS TO PROCESS AN OFFER CAMPAIGN BASED ON INELIGIBILITY 未知
公开(公告)号：AU2013200803A1
公开(公告)日：2013-09-05
申请号：AU2013200803
申请日：2013-02-14
申请人： SPEARS JOSEPH , CARLSON MARK , STAN PATRICK
发明人： SPEARS JOSEPH , CARLSON MARK , STAN PATRICK
IPC分类号： G06Q30/02
摘要： In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event. Advertisement Data 135 User Specific Advertisement Profile 131 Selector 133 Transaction Profile Profiles 127 Selector 129 tZIZH Correlation Profile - Result 123 Generator 121 User Data 125 t - :TUser Specific Correlator Advertisement 117 Dt 1 Transaction Account Data User Tracker Media Data 109 111 113 Controller 115 Transaction Transaction Point of Handler 103 Terminal 105 Interaction 107 User

7. 发明专利

AU2013200803B2 SYSTEMS AND METHODS TO PROCESS AN OFFER CAMPAIGN BASED ON INELIGIBILITY 未知
公开(公告)号：AU2013200803B2
公开(公告)日：2016-08-25
申请号：AU2013200803
申请日：2013-02-14
申请人： CARLSON MARK MR , SPEARS JOSEPH , STAN PATRICK MR
发明人： SPEARS JOSEPH , CARLSON MARK , STAN PATRICK
IPC分类号： G06Q30/02
摘要： In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event. Advertisement Data 135 User Specific Advertisement Profile 131 Selector 133 Transaction Profile Profiles 127 Selector 129 tZIZH Correlation Profile - Result 123 Generator 121 User Data 125 t - :TUser Specific Correlator Advertisement 117 Dt 1 Transaction Account Data User Tracker Media Data 109 111 113 Controller 115 Transaction Transaction Point of Handler 103 Terminal 105 Interaction 107 User

8. 发明申请

WO2007002932A3 ADAPTIVE GATEWAY FOR SWITCHING TRANSACTIONS AND DATA ON UNRELIABLE NETWORKS USING CONTEXT-BASED RULES 审中-公开
标题翻译：自适应网关使用基于上下文的规则切换交易和数据在不可靠的网络上
公开(公告)号：WO2007002932A3
公开(公告)日：2009-04-16
申请号：PCT/US2006025887
申请日：2006-06-29
申请人： VISA USA INC , VISA INT SERVICE ASS , SINGH THAKUR , GARRISON SARA K , CARLSON MARK , MANANSALA ROSAURO E , SINGH KAMLAKAR
发明人： SINGH THAKUR , GARRISON SARA K , CARLSON MARK , MANANSALA ROSAURO E , SINGH KAMLAKAR
IPC分类号： G06F15/16
CPC分类号： H04L63/0263 , H04L63/20 , H04L67/28 , H04L67/2823 , H04L67/327
摘要： Application level switching of transactions at a gateway (104) is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers (108) can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) (106) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client (102). The rules for different available application services can be distributed across different gateways.
摘要翻译：提供了在网关（104）处的事务的应用级别切换。网关被配置为基于应用级内容，传输环境的当前状态和/或用于切换事务的动态规则来切换事务。例如，可以为交易类型选择若干可能的服务提供者（108），并且网关不仅可以监视通过网络（106）到不同可能的服务提供商的往返时间，而且可以监视时间需要在应用程序级完成事务并返回响应。应用程序在网络的发送端选择，应用层级格式也在发送端进行。网关使用模块化代码和数据，以及处理代码的单独实例以允许动态更新。用于应用服务选择的规则可以从客户端（102）选择性地上传到网关。不同可用应用服务的规则可以分布在不同的网关之间。

9. 发明申请

WO2009058878A3 ON-LINE AUTHORIZATION IN ACCESS ENVIRONMENT 审中-公开
标题翻译：访问环境中的在线授权
公开(公告)号：WO2009058878A3
公开(公告)日：2009-07-30
申请号：PCT/US2008081600
申请日：2008-10-29
申请人： VISA USA INC , HAMMAD AYMAN , DIXON PHIL , EL-AWADY KHALID , FAITH PATRICK , CARLSON MARK
发明人： HAMMAD AYMAN , DIXON PHIL , EL-AWADY KHALID , FAITH PATRICK , CARLSON MARK
IPC分类号： G06F21/20 , G06F15/00 , G07B15/02
CPC分类号： G07B15/00 , G06Q20/32 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q40/12 , G07B15/02 , G07C9/00103 , G07F17/0014
摘要： A method for allowing on-line authorization in an access environment. The method includes receiving a request for access to a location at a gate access device from a user. After receiving the request for access to the location, an authorization request message is generated. The authorization request message includes an authorization to charge a predetermined amount of money. The authorization request message is then sent to an issuer for approval. An authorization response message is then received. The authorization response message indicates whether or not the charge is authorized or not authorized. If the authorization response message indicates that the authorization response message is authorized, then the user is allowed to access the location.
摘要翻译：一种允许在访问环境中进行在线授权的方法。该方法包括从用户接收访问门口访问设备处的位置的请求。在接收到访问该位置的请求之后，生成授权请求消息。授权请求消息包括收取预定金额的授权。授权请求消息然后被发送给发行者以供批准。然后接收到授权响应消息。授权响应消息指示该费用是否被授权或未被授权。如果授权响应消息指示授权响应消息被授权，则允许用户访问该位置。

10. 发明申请

WO2008083025A3 MOBILE VENDING PURCHASING 审中-公开
标题翻译：移动购买
公开(公告)号：WO2008083025A3
公开(公告)日：2008-10-09
申请号：PCT/US2007088313
申请日：2007-12-20
申请人： VISA USA INC , CARLSON MARK
发明人： CARLSON MARK
IPC分类号： G06K7/00 , G06Q20/40 , G07F7/00 , H04M1/00 , H04W4/24
CPC分类号： G06Q20/32 , G06Q20/18 , G06Q20/20 , G06Q20/3255 , G06Q20/3278 , G06Q20/40
摘要： A system and a method for using a portable consumer device such as a mobile phone for payments and the like are disclosed. One embodiment of the invention is directed to a method comprising receiving a payment request message from a portable consumer device operated by a consumer, wherein the payment request message includes a request to pay for a product from a vending machine, sending an authorization response message back to the vending machine wherein the vending machine subsequently prompts the consumer to enter a selection if the authorization response message indicates that the consumer is authorized to make a purchase, and receiving an acknowledgement message from the vending machine that the product was purchased.
摘要翻译：公开了一种用于使用诸如移动电话的便携式消费者设备进行支付等的系统和方法。本发明的一个实施例涉及一种方法，该方法包括从消费者操作的便携式消费者设备接收支付请求消息，其中该支付请求消息包括从自动售货机支付产品的请求，发回授权响应消息其中如果授权响应消息指示消费者被授权进行购买并且从自动售货机接收到该产品被购买的确认消息，则自动售货机随后提示消费者输入选择。

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