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1. 发明申请

WO2011043957A3 SYSTEMS AND METHODS FOR ANTICIPATORY ADVERTISEMENT DELIVERY 审中-公开
标题翻译：用于安全广告传送的系统和方法
公开(公告)号：WO2011043957A3
公开(公告)日：2011-06-16
申请号：PCT/US2010050504
申请日：2010-09-28
申请人： VISA USA INC , FORDYCE EDWARD W , WINTERS MICHELLE ENG , AMARO LEIGH , SAVAS NURTEKIN , RICHTER CLAUDIA , JOLLEY RYAN BRADFORD , HAGEY RYAN , VONDERHEIDE JAMES ALAN , CLYNE ANDREW
发明人： FORDYCE EDWARD W , WINTERS MICHELLE ENG , AMARO LEIGH , SAVAS NURTEKIN , RICHTER CLAUDIA , JOLLEY RYAN BRADFORD , HAGEY RYAN , VONDERHEIDE JAMES ALAN , CLYNE ANDREW
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.
摘要翻译：一方面，一种计算装置包括：处理事务的事务处理程序; 数据仓库，用于存储记录在用户的交易处理程序处理的多个交易的交易数据; 预期引擎，耦合到数据仓库，以基于存储在数据仓库中的交易数据预测与用户有关的未来事件; 简档生成器，用于至少部分地基于为用户预测的未来事件来生成用户的支出简档; 以及耦合到简档生成器的门户以响应于查询来提供支出简档。

2. 发明申请

WO2010127282A3 PRODUCT RECALL SERVICE 审中-公开
标题翻译：产品回收服务
公开(公告)号：WO2010127282A3
公开(公告)日：2011-03-17
申请号：PCT/US2010033229
申请日：2010-04-30
申请人： VISA USA INC , FORDYCE EDWARD W , SAVAS NURTEKIN
发明人： FORDYCE EDWARD W , SAVAS NURTEKIN
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q10/10 , G06Q30/014
摘要： Participating merchants send transaction data to a Product Recall Service (PRS). Each such transaction data received by the PRS from a merchant identifies a product purchased, an account holder making the purchase, the merchant from which the product was purchased, and an account issued to the account holder by an issuer upon which the transaction was conducted. When a supplier of the product to the merchant announces a recall of the product to the PRS, the PRS mines previously received transaction data, in conjunction with information obtained from transaction handler in a payment processing system, to send announcements to the account holders who conducted transactions to purchase the recalled product, and optionally to assign one or more globally unique identifiers that characterize and specify the product recall. Each account holder can use a web-enabled device to send information to, and receive information from, the PRS. The PRS communicates information received about the product recall to the supplier.
摘要翻译：参与商家将交易数据发送到产品召回服务（PRS）。 PRS从商家收到的每个这样的交易数据标识所购买的产品，进行购买的账户持有者，购买该产品的商户，以及进行交易的发行人向账户持有人发行的账户。当向商家的产品供应商宣布向PRS召回产品时，PRS矿井以前收到交易数据，以及从支付处理系统中的交易处理者获得的信息，向发起的账户持有人发送公告交易以购买召回的产品，并且可选地分配一个或多个表征和指定产品召回的全球唯一标识符。每个帐户持有人可以使用网络启用的设备向PRS发送信息并从PRS接收信息。 PRS将收到的关于产品召回的信息传达给供应商。

3. 发明申请

WO2010135642A2 REBATE AUTOMATION 审中-公开
标题翻译： REBATE自动化
公开(公告)号：WO2010135642A2
公开(公告)日：2010-11-25
申请号：PCT/US2010035769
申请日：2010-05-21
申请人： VISA USA INC , SALMON DIANE C , VONDERHEIDE JAMES ALAN , FORDYCE EDWARD W , SHEPARD DAVID CHAUNCEY , ADAMS GREGORY MICHAEL , DIGIOACCHINO LAURA
发明人： SALMON DIANE C , VONDERHEIDE JAMES ALAN , FORDYCE EDWARD W , SHEPARD DAVID CHAUNCEY , ADAMS GREGORY MICHAEL , DIGIOACCHINO LAURA
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/04 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0225 , G06Q30/0234 , G06Q30/0238
摘要： A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
摘要翻译：计算机收到信息，该信息是为了向在帐户持有人的消费者帐户进行的交易中的商家向帐户持有人授权用于销售产品的交易的信息。当计算机确认交易被授权并且交易发生在与产品相关联的折扣的预定时间段内以及相应的赞助商在财务上负责回扣时，计算机将该回扣借记到赞助商的帐户，以及：（i）在销售点作为商家折扣给予账户持有人; 或（ii）记入发行人向账户持有人发行的账户。

4. 发明申请

WO2010065964A2 LOYALTY PROGRAM SERVICE 审中-公开
标题翻译：忠诚计划服务
公开(公告)号：WO2010065964A2
公开(公告)日：2010-06-10
申请号：PCT/US2009067021
申请日：2009-12-07
申请人： VISA USA INC , FORDYCE EDWARD W , PATEL KARTEEK HASMUKH , SHEPARD DAVID CHAUNCEY
发明人： FORDYCE EDWARD W , PATEL KARTEEK HASMUKH , SHEPARD DAVID CHAUNCEY
IPC分类号： G06Q30/00 , G06Q50/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0238
摘要： A loyalty program for a transaction processing system includes a loyalty program database with loyalty program business rules that are usable to determine when a transaction qualifies for the loyalty program. A loyalty program rule implementer receives transaction data whenever a transaction occurs and uses the received transaction data and the program business rules to determine when a transaction qualifies for the loyalty program. The loyalty program rule implementer is an entity other than an issuer, an acquirer or a merchant. The loyalty program business rules require that the transaction relate to at least one of a specific merchant, a specific issuer, a specific acquirer, a specific consumer, a specific product/service, a consumer having a specific characteristic, a merchant having a specific characteristic, an issuer having a specific characteristic, an acquirer having a specific characteristic and a product/service having a specific characteristic.
摘要翻译：用于交易处理系统的忠诚计划包括具有忠诚计划业务规则的忠诚计划数据库，其可用于确定交易何时符合忠诚计划。忠诚计划规则实施者在交易发生时接收交易数据，并使用所接收的交易数据和程序商业规则来确定交易何时符合忠诚计划。忠诚计划规则实施者是除发行人，收单方或商家以外的实体。忠诚计划业务规则要求交易涉及特定商家，特定发行者，特定收单方，特定消费者，特定产品/服务，具有特定特征的消费者，具有特定特征的商家具有特定特征的发行者，具有特定特征的获取者和具有特定特征的产品/服务。

5. 发明申请

WO2010030940A2 SYSTEM AND METHOD FOR A MERCHANT DEBIT CARD PROGRAM INCLUDING A PLURALITY OF ISSUERS 审中-公开
标题翻译：包含多个发行人的商业借记卡计划的系统和方法
公开(公告)号：WO2010030940A2
公开(公告)日：2010-03-18
申请号：PCT/US2009056732
申请日：2009-09-11
申请人： VISA USA INC , FORDYCE EDWARD W , MCMAHON MARY PAT , SCHULZ JENNIFER
发明人： FORDYCE EDWARD W , MCMAHON MARY PAT , SCHULZ JENNIFER
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/40 , G06Q30/0229 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.
摘要翻译：描述了商家借记卡程序，其包括多个用于借记卡账户的授权发行人。商家借记卡计划包括商家忠诚计划，该计划向登记的借记卡账户提供奖励。授权发行人管理借记卡账户，包括客户账单，付款授权和客户服务。卡处理系统将新的借记卡账户的应用数据从商家发送到选定的发行者。商户忠诚度计划的登记数据也可以由商户通过卡处理系统发送给授权发行者。

6. 发明专利

AU2015201521A1 System and method for a merchant debit card program including a plurality of issuers 未知
公开(公告)号：AU2015201521A1
公开(公告)日：2015-04-09
申请号：AU2015201521
申请日：2015-03-24
申请人： VISA USA INC
发明人： FORDYCE EDWARD W , MCMAHON MARY PAT , SCHULZ JENNIFER
IPC分类号： G06Q40/00 , G06Q30/00
摘要： A computer-implemented method comprising: receiving, at a processing system from a consumer via a merchant, application data (64) including a request for a deposit account associated with a debit account; identifying (382), by the processing system, one or more authorized issuers for communication of the request for the deposit account associated with the debit account; transmitting (388) the request for the deposit account associated with the debit account from the processing system to the identified one or more authorized issuers; receiving (390), from the one or more authorized issuers to which the request for a deposit account was transmitted a response indicating acceptance or rejection of the request for a deposit account; and forwarding the one or more received responses to the merchant

7. 发明专利

BRPI0810807A2 未知
公开(公告)号：BRPI0810807A2
公开(公告)日：2014-10-29
申请号：BRPI0810807
申请日：2008-04-29
申请人： VISA USA INC
发明人： FORDYCE EDWARD W , PATTERSON BARBARA ELIZABETH
IPC分类号： G06Q40/00 , G06Q20/00
摘要： A payment processing system enables a consumer to purchase items at a merchant using an account provided by an issuer. Financial data related to payment for the purchase are sent by the merchant through an acquirer and a transaction expeditor to the issuer. The issuer responds by determining whether to authorize the purchase and if authorized, sends a notification back to the merchant. The acquirer also issues non-financial data that is conveyed by the transaction expeditor to a recipient connected to the payment processing system. The financial and non-financial data for the same transaction may be sent in separate messages and a technique is provided for matching those messages at the recipient. Different types of non-financial data can be conveyed, such as identification of the items being purchased which the recipient uses to determine whether the consumer should receive a reward under a product purchase incentive program.

8. 发明专利

AU2010303825B2 Systems and methods for anticipatory advertisement delivery 未知
公开(公告)号：AU2010303825B2
公开(公告)日：2013-11-14
申请号：AU2010303825
申请日：2010-09-28
申请人： VISA USA INC
发明人： FORDYCE EDWARD W , WINTERS MICHELLE ENG , AMARO LEIGH , SAVAS NURTEKIN , RICHTER CLAUDIA , JOLLEY RYAN BRADFORD , HAGEY RYAN , VONDERHEIDE JAMES ALAN , CLYNE ANDREW
IPC分类号： G06Q30/00
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.

9. 发明专利

CA2736620A1 SYSTEM AND METHOD FOR A MERCHANT DEBIT CARD PROGRAM INCLUDING A PLURALITY OF ISSUERS 未知
公开(公告)号：CA2736620A1
公开(公告)日：2010-03-18
申请号：CA2736620
申请日：2009-09-11
申请人： VISA USA INC
发明人： FORDYCE EDWARD W , MCMAHON MARY PAT , SCHULZ JENNIFER
IPC分类号： G06Q40/00 , G06Q30/00
摘要： A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.

10. 发明专利

AU2010303825A1 Systems and methods for anticipatory advertisement delivery 未知
公开(公告)号：AU2010303825A1
公开(公告)日：2012-05-03
申请号：AU2010303825
申请日：2010-09-28
申请人： VISA USA INC
发明人： FORDYCE EDWARD W , WINTERS MICHELLE ENG , AMARO LEIGH , SAVAS NURTEKIN , RICHTER CLAUDIA , JOLLEY RYAN BRADFORD , HAGEY RYAN , VONDERHEIDE JAMES ALAN , CLYNE ANDREW
IPC分类号： G06Q30/00
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.

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