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1. 发明申请

WO2010065900A2 CUSTOM SETTLEMENT ARRANGEMENTS 审中-公开
标题翻译：自定义安置安排
公开(公告)号：WO2010065900A2
公开(公告)日：2010-06-10
申请号：PCT/US2009/066834
申请日：2009-12-04
申请人： VISA U.S.A. INC. , CERVENKA, Karen, L. , TAYLOR, Mary, Theresa , YEE, Millie , VALE, Bonnie
发明人： CERVENKA, Karen, L. , TAYLOR, Mary, Theresa , YEE, Millie , VALE, Bonnie
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/023 , G06Q20/12 , G06Q20/40 , G06Q30/0238
摘要： Processing transactions involving private label portable consumer devices is presented. For a transaction involving a portable consumer device in a payment processing network, an authorization request from a merchant is received by a transaction handler. The transaction handler, in communication with the issuer, denies or approves the transaction. For approved transactions, the merchant sends a settlement request to the transaction handler. If the transaction is identified as involving a private label portable consumer device, the transaction handler applies a custom settlement arrangement rate to the payment sought, generally reducing the payment amount. The applied payment amount is received from the issuer and forwarded to the merchant. If the applied payment amount is less than the actual amount owed to the merchant, the merchant sends a request to the issuer of the private label payment device to settle the transaction in accordance with a custom settlement agreement.
摘要翻译：介绍涉及私人标签便携式消费类设备的处理交易。对于涉及支付处理网络中的便携式消费者设备的交易，来自商家的授权请求由交易处理者接收。与发行人通信的交易处理程序拒绝或批准交易。对于经批准的交易，商家向交易处理者发送结算请求。如果交易被识别为涉及私人标签便携式消费者设备，则交易处理者对所寻求的付款应用定制结算安排费率，通常减少支付金额。从发行人收到应用的支付金额并转发给商户。如果应用的支付金额小于商家的实际金额，则商家向私人标签支付装置的发行人发送请求，以按照定制结算协议结算交易。

2. 发明申请

WO2011019998A2 INFLUENZA VACCINE ADMINISTRATION PAYMENT DEVICE PROCESSING 审中-公开
标题翻译：流感疫苗管理支付设备处理
公开(公告)号：WO2011019998A2
公开(公告)日：2011-02-17
申请号：PCT/US2010/045445
申请日：2010-08-13
申请人： VISA U.S.A. INC. , CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa , RADLOW, Andrew
发明人： CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa , RADLOW, Andrew
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06F19/00 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.
摘要翻译：支付设备具有由医疗保健提供者在磁条或可视标记中读取的用于流感疫苗的标识符，以及发行人向可以进行有限的交易的一方（例如，政府实体）发行的账户管理流感疫苗。医疗保健提供者通过其收购方和交易处理程序向发行人发送交易的授权请求以交付。发行人使用标识符授权医疗保健提供者管理流感疫苗并进行交易，并通过交易处理者和收单方向授权请求发送授权响应。在收到授权响应后，医疗保健提供者管理流感疫苗，并在出售流感疫苗管理服务的帐户进行交易。

3. 发明申请

WO2011028486A2 COUPON BEARING SPONSOR ACCOUNT TRANSACTION AUTHORIZATION 审中-公开
标题翻译： COUPON轴承赞助商帐户交易授权
公开(公告)号：WO2011028486A2
公开(公告)日：2011-03-10
申请号：PCT/US2010/046360
申请日：2010-08-23
申请人： VISA U.S.A. INC. , CERVENKA, Karen, L. , TAYLOR, Mary, Theresa , MA, Gwen, Diane
发明人： CERVENKA, Karen, L. , TAYLOR, Mary, Theresa , MA, Gwen, Diane
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/0225 , G06Q20/20 , G06Q20/3274 , G06Q20/387 , G06Q30/00 , G06Q30/0222 , G06Q30/0238 , G06Q30/0241 , G06Q30/0251 , G06Q30/0277 , G06Q30/06 , G06Q30/0601 , H04M3/4878
摘要： A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.
摘要翻译：交易处理者接收来自赞助商帐户的发行者的来自商家的收单方的用于识别赞助商帐户的优惠券授权请求消息，以及消费者在与商家的交易中购买的商品的优惠券。发行人确定优惠券的资格被消费者使用，并通过其收单方和交易处理者向商家发送授权响应消息，以便在优惠券符合条件时为该项目应用相应的折扣。消费者从商家购买商品的一个或多个优惠券资格可以从交易与预定时间，地理位置，辖区，商家集合的比较和/或优惠券已被使用的次数中获得其他交易。交易处理程序可以进一步处理交易以授权消费者的帐户支付交易。

4. 发明申请

WO2011020039A2 AUTO-SUBSTANTIATION FOR HEALTHCARE UPON SPONSOR ACCOUNT THROUGH PAYMENT PROCESSING SYSTEM 审中-公开
标题翻译：通过支付处理系统对赞助商账户进行医疗保健的自动实施
公开(公告)号：WO2011020039A2
公开(公告)日：2011-02-17
申请号：PCT/US2010/045500
申请日：2010-08-13
申请人： VISA U.S.A. INC. , CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa
发明人： CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06F19/00 , G06Q10/10 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.
摘要翻译：发行人接收来自医疗保健提供者的授权请求，该授权请求包括账户，医疗服务的标识符及其对患者的费用，以及用于单一用途卡的标识符以用于赎回医疗服务。发行者验证使用账户支付成本，向保健提供者发送授权批准，并且停用单张用途卡的标识符以备将来使用。当账户被确定为不足时，资金不足的请求被发送给发行人发行账户的保荐人。授权请求中的成本可以包括总购买金额和总购买金额的合格金额，并且发行者可以验证该帐户可以用于支付用于医疗服务的总购买金额的合格金额。

5. 发明申请

WO2010068466A3 PROMOTIONAL ITEM IDENTIFICATION IN PROCESSING OF AN ACQUIRED TRANSACTION ON AN ISSUED ACCOUNT 审中-公开
公开(公告)号：WO2010068466A3
公开(公告)日：2010-06-17
申请号：PCT/US2009/065810
申请日：2009-11-24
申请人： VISA U.S.A. INC. , TAYLOR, Mary, Theresa , CERVENKA, Karen, L. , MAHADKAR, Shilpak , PATTERSON, Barbara, Elizabeth
发明人： TAYLOR, Mary, Theresa , CERVENKA, Karen, L. , MAHADKAR, Shilpak , PATTERSON, Barbara, Elizabeth
IPC分类号： G06Q20/00 , G06Q40/00
摘要： Disclosed methods enable an open loop system processing of private label and co-branded account transactions. Implementations in the open loop system employ communications directly between a merchant and an issuer offering promotional financing for a promotional item being purchased from the merchant. Other implementations in the open loop system enable different transaction amounts in an authorization request message and its corresponding authorization response as are respectively sent and received by a merchant, where the different can be for a promotion offered to an account holder for conducting a transaction on an account with the merchant.

6. 发明公开

EP2465091A2 AUTO-SUBSTANTIATION FOR HEALTHCARE UPON SPONSOR ACCOUNT THROUGH PAYMENT PROCESSING SYSTEM 审中-公开
标题翻译：医疗保健自动确认赞助帐户是否在支付处理系统
公开(公告)号：EP2465091A2
公开(公告)日：2012-06-20
申请号：EP10808833.7
申请日：2010-08-13
申请人： Visa U.S.A. Inc.
发明人： CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06F19/00 , G06Q10/10 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.

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