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1. 发明申请

WO2011116301A3 SYSTEMS AND METHODS TO DISTRIBUTE ADVERTISEMENT OPPORTUNITIES TO MERCHANTS 审中-公开
公开(公告)号：WO2011116301A3
公开(公告)日：2011-09-22
申请号：PCT/US2011/029025
申请日：2011-03-18
申请人： VISA U.S.A. INC. , WINTERS, Michelle, Eng
发明人： WINTERS, Michelle, Eng
IPC分类号： G06Q30/00
摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, and a portal configured to provide a user interface to receive a set of selection criteria and a plurality of bids from respective merchants for opportunities to present advertisements to users identified by the set of selection criteria based on spending patterns determined from transaction data generated by the transaction handler. The system further includes at least one processor coupled with the data warehouse and the portal and configured to determine, in response to an opportunity for advertising to a user, whether transactions of the user processed by the transaction handler satisfy the set of selection criteria and, if so, select an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants.

2. 发明申请

WO2011116300A3 SYSTEMS AND METHODS TO IDENTIFY SPENDING PATTERNS 审中-公开
公开(公告)号：WO2011116300A3
公开(公告)日：2011-09-22
申请号：PCT/US2011/029023
申请日：2011-03-18
申请人： VISA U.S.A. INC. , WINTERS, Michelle, Eng
发明人： WINTERS, Michelle, Eng
IPC分类号： G06Q30/00
摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, a portal configured to determine online activity tracking data, and at least one processor coupled with the data warehouse and the portal and configured to identify, using the transaction data and the online activity tracking data, first users who have not been to a website of a first merchant within a predetermined period of time, identify a set of transactions of the first users, and determine a spending pattern in the set of transactions of the first users.

3. 发明申请

WO2011116297A2 SYSTEMS AND METHODS TO PERFORM CHECKOUT FUNNEL ANALYSES 审中-公开
标题翻译：用于执行结帐无用分析的系统和方法
公开(公告)号：WO2011116297A2
公开(公告)日：2011-09-22
申请号：PCT/US2011/029018
申请日：2011-03-18
申请人： VISA U.S.A. INC. , WINTERS, Michelle, Eng
发明人： WINTERS, Michelle, Eng
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q30/06 , G06Q30/0201 , G06Q30/0222
摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, a portal configured to communicate with an online store, and at least one processor coupled with the data warehouse and the portal. In one example, after users of the online store express interest in items of the online store, a first subset of the items are purchased from the online store. The processor is configured to determine a second subset of the items purchased by the users but not from the online store. Data representing user activities in the online store, and data representing the first subset and the second subset are combined to generate a checkout funnel analysis result.
摘要翻译：在一个方面中，一种系统包括处理交易的交易处理程序，存储记录交易的数据的数据仓库，配置成与在线商店通信的门户以及与所述交易处理器耦合的至少一个处理器数据仓库和门户。在一个示例中，在网上商店的用户表达对在线商店的商品的兴趣之后，从网上商店购买商品的第一子集。处理器被配置为确定用户购买但不是来自在线商店的物品的第二子集。表示在线商店中的用户活动的数据以及表示第一子集和第二子集的数据被组合以生成结账漏斗分析结果。

4. 发明申请

WO2011053423A1 SYSTEM AND METHOD FOR PROVIDING MARKETING OFFERS TO USERS OF FINANCIAL ACCOUNT ISSUER WEBSITE 审中-公开
标题翻译：向财务帐户发行人网站使用者提供营销活动的制度和方法
公开(公告)号：WO2011053423A1
公开(公告)日：2011-05-05
申请号：PCT/US2010/050525
申请日：2010-09-28
申请人： VISA U.S.A. INC. , OAK, Uday
发明人： OAK, Uday
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0269
摘要： A system for providing a marketing offer to holders of financial accounts during a communication session with the financial account issuer includes a processor and an account maintenance module executable by the processor. The account maintenance module initiates a communication session with a user computer of an account holder over a computer network. Before the communication session ends, the account maintenance module determines whether the account holder's a financial account is a target for receiving the marketing offer and if so, transmits the marketing offer to the user computer over the computer network.
摘要翻译：在与金融账户发行者的通信会话期间向财务账户持有人提供营销报价的系统包括处理器和可由该处理器执行的账户维护模块。帐户维护模块通过计算机网络发起与帐户持有者的用户计算机的通信会话。在通信会话结束之前，帐户维护模块确定帐户持有人的财务账户是否是用于接收营销报价的目标，如果是，则通过计算机网络将营销报价发送给用户计算机。

5. 发明申请

WO2011046667A2 SYSTEMS AND METHODS TO MATCH IDENTIFIERS 审中-公开
标题翻译：用于匹配标识符的系统和方法
公开(公告)号：WO2011046667A2
公开(公告)日：2011-04-21
申请号：PCT/US2010/044779
申请日：2010-08-06
申请人： VISA U.S.A. INC. , FORDYCE III, Edward, W. , AMARO, Leigh , WINTERS, Michelle, Eng , SAVAS, Nurtekin , BYCE, Charles, Raymond , HAGEY, Ryan
发明人： FORDYCE III, Edward, W. , AMARO, Leigh , WINTERS, Michelle, Eng , SAVAS, Nurtekin , BYCE, Charles, Raymond , HAGEY, Ryan
IPC分类号： G06Q40/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/10 , G06Q20/40 , G06Q30/02 , G06Q30/0224 , G06Q30/0239 , G06Q30/0255 , G06Q30/0269 , G06Q30/0277
摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement.
摘要翻译：一方面，系统包括处理事务的事务处理程序，用于存储记录在事务处理程序处理的事务的事务数据并在第一用户标识符与第一帐户标识符之间存储映射数据的数据仓库，用于生成配置文件的配置文件生成器基于交易数据的用户，以及耦合到交易处理器的门户，以接收识别由第一跟踪器使用以跟踪用户的在线活动的第二用户标识符的查询。该系统是基于第一用户标识符和第一帐户标识符之间的映射数据，从第二用户标识符识别用户的第二帐户标识符，以利用用户的简档和/或提供关于某些与先前呈现的广告相关的用户的交易。

6. 发明申请

WO2011031913A1 SYSTEM AND METHOD OF PROVIDING CUSTOMER PURCHASE PROPENSITY INFORMATION TO ONLINE MERCHANTS 审中-公开
标题翻译：向在线商户提供客户购买信息的系统和方法
公开(公告)号：WO2011031913A1
公开(公告)日：2011-03-17
申请号：PCT/US2010/048344
申请日：2010-09-10
申请人： VISA U.S.A. INC. , McPHIE, Michael , GUPTA, Manav , WILSON, Charles
发明人： McPHIE, Michael , GUPTA, Manav , WILSON, Charles
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0603 , G06Q30/02 , G06Q30/0641
摘要： A system for providing online merchants with purchase propensity information is provided. The system includes a processor and a purchase propensity module executable by the processor. The purchase propensity module receives, from an online merchant computer, a message containing a customer identifier that identifies a customer who has established an online browsing session with the online merchant. In response, the purchase propensity module transmits to the online merchant computer purchase propensity data associated with the identified customer while the browsing session is in progress. This allows the online merchant computer to determine a targeted offer for the user while the user is in the online browsing session.
摘要翻译：提供了一种为在线商家提供购买倾向信息的系统。该系统包括可由处理器执行的处理器和购买倾向模块。购买倾向模块从在线商业计算机接收包含标识已经与在线商家建立在线浏览会话的客户的客户标识符的消息。作为响应，当浏览会话正在进行时，购买倾向模块向在线商家计算机发送与所识别的客户相关联的购买倾向数据。这允许在线商业计算机在用户处于在线浏览会话期间确定用户的目标提供。

7. 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。

8. 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。

9. 发明申请

WO2011019759A2 SYSTEMS AND METHODS FOR TARGETING OFFERS 审中-公开
标题翻译：用于定向提供的系统和方法
公开(公告)号：WO2011019759A2
公开(公告)日：2011-02-17
申请号：PCT/US2010/045082
申请日：2010-08-10
申请人： VISA U.S.A. INC. , CLYNE, Andrew
发明人： CLYNE, Andrew
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0275
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a profile generator to identify a set of user clusters based on transaction data; and a portal to enroll users and identify preferred communication channels of the users, receive offers from a plurality of entities, present data identifying the set of user clusters to the entities, receive bids on the clusters from the entities in accordance with types of the offers, based on the bids determine winning entities for a predetermined time period, and provide offers of the winning entities to respective enrolled users in respective clusters during the predetermined time period, using preferred communication channels of the respective enrolled users.
摘要翻译：在一个方面，一种计算设备包括：处理交易的交易处理器; 数据仓库，用于存储记录在交易处理器处理的交易的交易数据; 简档生成器，用于基于交易数据来识别一组用户群集; 以及入口以登记用户并识别用户的优选通信信道，从多个实体接收提供，将标识该组用户群的数据呈现给实体，根据提供的类型从实体接收群集上的投标基于出价确定获胜实体预定时间段，并且使用各个登记用户的优选通信信道向预定时间段期间的各个集群中的各个登记用户提供获胜实体的提议。

10. 发明申请

WO2011014710A2 SYSTEMS AND METHODS TO PROVIDE BENEFITS ACCORDING TO ACCOUNT FEATURES 审中-公开
标题翻译：根据账户特征提供优势的系统和方法
公开(公告)号：WO2011014710A2
公开(公告)日：2011-02-03
申请号：PCT/US2010/043798
申请日：2010-07-29
申请人： VISA U.S.A. INC. , OLSON, Ray , MARTIN, Janet , NORRIS, Mark , BODINGTON, Shaun , STIFF, Nicola , WOODS, Rosann , CARR, John
发明人： OLSON, Ray , MARTIN, Janet , NORRIS, Mark , BODINGTON, Shaun , STIFF, Nicola , WOODS, Rosann , CARR, John
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q40/00
摘要： Systems and methods are provided to facilitate the sharing of account features and/or to facilitate the generation and notification of transactions associated with the account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account. In another aspect, the data warehouse is to further store rules data identifying at least one qualification requirement. The system further includes a feature offer engine to use the rules data to monitor the transactions in the account to identify a first transaction. The notification engine is to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and the portal to receive an approval of a second transaction in accordance with the offer.
摘要翻译：提供系统和方法以便于帐户特征的共享和/或促进与帐户特征相关联的交易的生成和通知。在一个方面，系统包括用于处理事务的事务处理程序和用于记录事务的数据仓库，并且存储识别单独帐户的帐户特征的帐户数据，例如具有特征的第二帐户和没有该特征的第一帐户。帐户持有人的第一和第二个帐户在同一个家庭，因此，根据一套规则，有资格共享帐户功能。门户被配置为接收标识第一帐户的请求，并且确定在第一帐户中发起的并且为了帐户特征的利益而获得资格的交易是否有权获得利益; 如果是，通知引擎将通知消息发送到第一帐户的账户持有者。另一方面，数据仓库是进一步存储标识至少一个资格要求的规则数据。该系统还包括一个功能提供引擎，用于使用规则数据来监视帐户中的交易以识别第一交易。通知引擎是向第一交易的实时处理提供与第一账户功能相关联的报价的帐户持有人，以及根据报价接收第二交易的批准的门户。

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