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1. 发明申请

WO2011049754A2 SYSTEMS AND METHODS FOR ADVERTISING SERVICES BASED ON AN SKU-LEVEL PROFILE 审中-公开
标题翻译：基于SKU级别简介的广告服务系统和方法
公开(公告)号：WO2011049754A2
公开(公告)日：2011-04-28
申请号：PCT/US2010/051853
申请日：2010-10-07
申请人： VISA U.S.A., INC. , FORDYCE, Edward, W., III , WINTERS, Michelle, Eng , AMARO, Leigh , SAVAS, Nurtekin , SIEGEL, Kevin, Paul , BYCE, Charles, Raymond
发明人： FORDYCE, Edward, W., III , WINTERS, Michelle, Eng , AMARO, Leigh , SAVAS, Nurtekin , SIEGEL, Kevin, Paul , BYCE, Charles, Raymond
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q20/40 , G06Q30/0255 , G06Q30/0269
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive, from users, consent data that identifies account identifiers of the users; a data warehouse to store transaction data recording the transactions and store purchase details for at least some of the transactions; and a profile generator to generate profiles based on the transaction data and the purchase details stored in the data warehouse. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the system is to use the transaction handler to request purchase details associated with the authorization request from the merchant via a response to the authorization request, and receive and store the purchase details associated with the authorization request in the data warehouse, in response to a determination that the first account identifier is associated with consent data.
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; 从用户接收用于标识用户的帐户标识符的同意数据的门户; 数据仓库，用于存储记录交易的交易数据，并存储至少一些交易的购买细节; 以及基于交易数据和存储在数据仓库中的购买细节来生成简档的简档生成器。响应于在用于识别第一帐户标识符的支付交易的交易处理程序中接收到的授权请求，系统是使用交易处理程序通过对授权请求的响应从商家请求与授权请求相关联的购买细节，以及响应于第一帐户标识符与同意数据相关联的确定，接收并存储与数据仓库中的授权请求相关联的购买详情。

2. 发明申请

WO2011044512A2 SYSTEMS AND METHODS TO AGGREGATE DEMAND 审中-公开
标题翻译：用于聚合需求的系统和方法
公开(公告)号：WO2011044512A2
公开(公告)日：2011-04-14
申请号：PCT/US2010052070
申请日：2010-10-08
申请人： VISA USA INC , WINTERS MICHELLE ENG , GRIGGS ALFRED WILLIAM , DIGIOACCHINO LAURA , SALMON DIANE C , SIEGEL KEVIN PAUL , SUBRAMANIAN KAUSHIK , VONDERHEIDE JAMES ALAN , FORDYCE EDWARD W III , AMARO LEIGH
发明人： WINTERS MICHELLE ENG , GRIGGS ALFRED WILLIAM , DIGIOACCHINO LAURA , SALMON DIANE C , SIEGEL KEVIN PAUL , SUBRAMANIAN KAUSHIK , VONDERHEIDE JAMES ALAN , FORDYCE EDWARD W III , AMARO LEIGH
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q10/087 , G06Q20/10 , G06Q20/387 , G06Q20/40 , G06Q30/0207 , G06Q30/0215 , G06Q30/0222 , G06Q30/0231
摘要： In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.
摘要翻译：在一个方面，一种计算装置包括：数据仓库，用于存储将多个账户标识符与具有预定义购买要求和对于收益的汇总购买要求的提议相关联的数据; 以及配置成处理多个交易的交易处理程序。交易处理器进一步被配置为确定多个交易中的每一个是否满足预定购买要求，识别每个满足预定购买要求的交易集合，并且确定该组交易是否满足针对该利益的合计购买要求。在一个示例中，交易处理程序被配置为当该组交易满足聚合购买要求时通过声明信用提供收益。

3. 发明申请

WO2011017461A2 SYSTEMS AND METHODS FOR TARGETED ADVERTISEMENT DELIVERY 审中-公开
标题翻译：用于目标广告传送的系统和方法
公开(公告)号：WO2011017461A2
公开(公告)日：2011-02-10
申请号：PCT/US2010/044459
申请日：2010-08-04
申请人： VISA U.S.A. INC. , FORDYCE III, Edward W. , WINTERS, Michelle Eng , SIEGEL, Kevin Paul , AMARO, Leigh , BYCE, Charles Raymond , SAVAS, Nurtekin , VONDERHEIDE, James Alan , SALMON, Diane C.
发明人： FORDYCE III, Edward W. , WINTERS, Michelle Eng , SIEGEL, Kevin Paul , AMARO, Leigh , BYCE, Charles Raymond , SAVAS, Nurtekin , VONDERHEIDE, James Alan , SALMON, Diane C.
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.
摘要翻译：在一个方面，计算装置被配置为接收对简档的请求以定制用于呈现给在请求中标识的用户的信息，并且响应于标识该用户的请求，提供简档是基于用户的交易数据生成的。该简档使用表示各个区域中的聚集消费的多个值来总结用户的交易数据。该信息包括基于简档选择，优先化，调整或生成的广告。广告至少包括一个优惠，如折扣，激励，奖励，优惠券，礼物，现金返还，利益，产品或服务。

4. 发明申请

WO2011017452A3 SYSTEMS AND METHODS FOR CLOSING THE LOOP BETWEEN ONLINE ACTIVITIES AND OFFLINE PURCHASES 审中-公开
公开(公告)号：WO2011017452A3
公开(公告)日：2011-02-10
申请号：PCT/US2010/044449
申请日：2010-08-04
申请人： VISA U.S.A. INC. , FORDYCE, Edward W. III , WINTERS, Michelle Eng , SIEGEL, Kevin Paul , AMARO, Leigh , BYCE, Charles Raymond , SAVAS, Nurtekin , CIUREA, Peter , VONDERHEIDE, James Alan , SALMON, Diane C.
发明人： FORDYCE, Edward W. III , WINTERS, Michelle Eng , SIEGEL, Kevin Paul , AMARO, Leigh , BYCE, Charles Raymond , SAVAS, Nurtekin , CIUREA, Peter , VONDERHEIDE, James Alan , SALMON, Diane C.
IPC分类号： G06Q10/00 , G06Q30/00 , G06Q20/00
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a "brick and mortar" retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

5. 发明申请

WO2010059840A3 SYSTEM AND METHOD USING A TRANSACTION AGGREGATOR, SUPERKEYS AND SUBKEYS 审中-公开
标题翻译：使用交易聚合器，SUPERKEYS和SUBKEYS的系统和方法
公开(公告)号：WO2010059840A3
公开(公告)日：2010-09-16
申请号：PCT/US2009065167
申请日：2009-11-19
申请人： VISA INT SERVICE ASS , BARRETT MELYSSA , SCOTT JOE , HILGERS NANCY , SIEGEL KEVIN
发明人： BARRETT MELYSSA , SCOTT JOE , HILGERS NANCY , SIEGEL KEVIN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4037 , G06F17/30489 , G06Q10/067 , G06Q30/02 , G06Q40/02 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： Systems and methods for providing aggregated transaction level data for particular users to multiple information requesters are disclosed. Subkeys are assigned to user inquiries from multiple information requesters and a superkey is assigned to link them to a user identifier, such as a Social Security number. Account data is obtained based on the superkey and the user identifier. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user or a group of users from a transaction database. The aggregator server can then parse the transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can be used to determine a number of transaction level data aggregates. User inquiry response files containing transaction level aggregate data can be sent to the information requesters.
摘要翻译：公开了用于向多个信息请求者提供用于特定用户的聚合事务级数据的系统和方法。子密钥被分配给来自多个信息请求者的用户查询，并且分配超级密钥以将它们链接到诸如社会安全号码的用户标识符。基于超级密钥和用户标识符获得账户数据。基于一个或多个信息请求者的请求，聚合器服务器可以从事务数据库请求与特定用户或一组用户相关联的所有帐户的事务级数据。然后，聚合器服务器可以基于多个事务级数据元素和信息请求者输入来解析事务级数据。解析的原始事务级别数据可用于确定多个事务级数据聚合。包含事务级聚合数据的用户查询响应文件可以发送给信息请求者。

6. 发明申请

WO2002069561A3 DISTRIBUTED QUANTUM ENCRYPTED PATTERN GENERATION AND SCORING 审中-公开
公开(公告)号：WO2002069561A3
公开(公告)日：2002-09-06
申请号：PCT/US2002/005977
申请日：2002-02-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick, L. , SIEGEL, Kevin, P.
发明人： FAITH, Patrick, L. , SIEGEL, Kevin, P.
IPC分类号： G06F17/60
摘要： Transaction scoring is performed in a distributed manner across a client-server computing system. A computing system for processing a transaction includes a server system and a client system. The server system is arranged to process information associated with the transaction, while the client system communicates with the server system and includes a key engine which is arranged to generate keys. The client system and the server system are arranged to cooperate to assess risk associated with the transaction. The client is arranged to send the keys generated by the key engine as a transaction to the server system.

7. 发明申请

WO2011094080A2 TRANSACTION DATA REPOSITORY FOR RISK ANALYSIS 审中-公开
标题翻译：交易数据存储用于风险分析
公开(公告)号：WO2011094080A2
公开(公告)日：2011-08-04
申请号：PCT/US2011/021402
申请日：2011-01-14
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WINTERS, Michelle , SIEGEL, Kevin , BYCE, Charles
发明人： WINTERS, Michelle , SIEGEL, Kevin , BYCE, Charles
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q30/0601 , G06Q30/0641 , G06Q30/08
摘要： Systems and methods are presented for determining risk levels for consumer-to-consumer (C2C) transactions on brokering websites. The risk levels can be based on payment processing network (e.g. Visa) account data as well as external data, such as geo-location using IP addresses, fraud bureau data, and star ratings. The buying and selling consumers can have multiple risk scores for each transaction, such as a fraud, credit, return/chargeback, dissatisfaction, product misuse, nonreturnable, and defect risk scores. The buying and selling consumers can trade their risk levels before proceeding with the transaction.
摘要翻译：介绍系统和方法来确定中介网站上消费者对消费者（C2C）交易的风险水平。风险级别可以基于支付处理网络（例如Visa）账户数据以及外部数据，诸如使用IP地址的地理位置，欺诈局数据和星级评级。购买和销售消费者可以为每笔交易设定多个风险评分，例如欺诈，信用，退货/退款，不满意，产品滥用，不可退回和缺陷风险评分。购买和销售消费者可以在继续交易之前交易其风险水平。

8. 发明申请

WO2011044137A3 SYSTEMS AND METHODS TO PROVIDE LOYALTY PROGRAMS 审中-公开
标题翻译：提供积极计划的系统和方法
公开(公告)号：WO2011044137A3
公开(公告)日：2011-06-16
申请号：PCT/US2010051490
申请日：2010-10-05
申请人： VISA USA INC , FORDYCE EDWARD W III , AMARO LEIGH , WINTERS MICHELLE ENG , GRIGGS ALFRED WILLIAM , DIGIOACCHINO LAURA , SALMON DIANE C , SIEGEL KEVIN PAUL , SUBRAMANIAN KAUSHIK , VONDERHEIDE JAMES ALAN
发明人： FORDYCE EDWARD W III , AMARO LEIGH , WINTERS MICHELLE ENG , GRIGGS ALFRED WILLIAM , DIGIOACCHINO LAURA , SALMON DIANE C , SIEGEL KEVIN PAUL , SUBRAMANIAN KAUSHIK , VONDERHEIDE JAMES ALAN
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/40 , G06Q10/00 , G06Q30/00 , G06Q30/02 , G06Q30/0215 , G06Q30/0226
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier.
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; 门户，用于从用户接收输入识别用户的帐户标识符和相应的忠诚度计划; 以及用于存储将帐户标识符与相应的忠诚度程序相关联的数据的数据仓库。响应于在用于识别第一帐户标识符的支付交易的交易处理程序中接收到的授权请求，计算装置是使用数据仓库来确定第一帐户标识符是否与忠诚度程序一起登记; 并且如果第一帐户标识符被登记有第一忠诚度程序，则所述计算装置将使用所述交易处理器通过对所述授权请求的响应来从所述商家请求购买细节，并且确定要授予所述第一帐户标识符的所述用户的利益帐户标识符。

9. 发明申请

WO2011044512A3 SYSTEMS AND METHODS TO AGGREGATE DEMAND 审中-公开
公开(公告)号：WO2011044512A3
公开(公告)日：2011-04-14
申请号：PCT/US2010/052070
申请日：2010-10-08
申请人： VISA U.S.A., INC. , WINTERS, Michelle, Eng , GRIGGS, Alfred, William , DIGIOACCHINO, Laura , SALMON, Diane, C. , SIEGEL, Kevin, Paul , SUBRAMANIAN, Kaushik , VONDERHEIDE, James, Alan , FORDYCE, Edward, W. III , AMARO, Leigh
发明人： WINTERS, Michelle, Eng , GRIGGS, Alfred, William , DIGIOACCHINO, Laura , SALMON, Diane, C. , SIEGEL, Kevin, Paul , SUBRAMANIAN, Kaushik , VONDERHEIDE, James, Alan , FORDYCE, Edward, W. III , AMARO, Leigh
IPC分类号： G06Q30/00
摘要： In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.

10. 发明申请

WO2011031886A3 SYSTEM AND METHOD USING PREDICTED CONSUMER BEHAVIOR TO REDUCE USE OF TRANSACTION RISK ANALYSIS AND TRANSACTION DENIALS 审中-公开
标题翻译：使用预测消费者行为减少交易风险分析和交易的使用的系统和方法DENIALS
公开(公告)号：WO2011031886A3
公开(公告)日：2011-03-17
申请号：PCT/US2010/048304
申请日：2010-09-09
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick L. , JIANG, Zhongxiao , SIEGEL, Kevin Paul , HARRIS, Theodore D.
发明人： FAITH, Patrick L. , JIANG, Zhongxiao , SIEGEL, Kevin Paul , HARRIS, Theodore D.
IPC分类号： G06Q30/00 , G06Q20/00
摘要： An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.
摘要翻译：用于处理交易授权请求以减少作为授权处理的一部分的交易风险评估的需要的装置和方法。本发明减少了支付处理器上的数据处理负担和授权被拒绝的交易数量。在一些实施例中，本发明使用预测或行为建模技术来产生消费者可参与的交易的预测。如果消费者参与预测的交易，则不对该交易执行风险分析处理。

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