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1. 发明申请

WO2011049872A3 SYSTEMS AND METHODS TO PROVIDE INTELLIGENT ANALYTICS TO CARDHOLDERS AND MERCHANTS 审中-公开
标题翻译：提供智能分析给开发者和商人的系统和方法
公开(公告)号：WO2011049872A3
公开(公告)日：2011-09-29
申请号：PCT/US2010053061
申请日：2010-10-18
申请人： VISA USA INC , FORDYCE EDWARD W III , WINTERS MICHELLE ENG , AMARO LEIGH
发明人： FORDYCE EDWARD W III , WINTERS MICHELLE ENG , AMARO LEIGH
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/0201 , G06Q20/10 , G06Q30/02 , G06Q30/0226
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 by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.
摘要翻译：在一个方面中，一种计算设备包括：处理交易的交易处理程序，存储交易数据的数据仓库，记录交易处理程序处理的交易的数据仓库，与数据仓库耦合以接收一个或多个参数作为输入的门户，以及提供用于呈现的支出活动信息作为对输入的响应，以及与门户和数据仓库耦合的分析引擎，以基于交易数据和一个或多个参数分析用户的花费活动以生成关于花费的活动信息交易在用户的多个账户中。

2. 发明申请

WO2011116298A2 SYSTEMS AND METHODS TO IDENTIFY DIFFERENCES IN SPENDING PATTERNS 审中-公开
标题翻译：确定支出模式差异的系统和方法
公开(公告)号：WO2011116298A2
公开(公告)日：2011-09-22
申请号：PCT/US2011/029021
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： G06Q30/02 , G06Q30/0255
摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, and at least one processor coupled with the data warehouse and configured to identify a first set of customers who made first transactions correlated with an advertisement, identify a second set of customers not in the first set of customers, and determine a difference between a first pattern in a first set of transactions of the first set of customers and a second pattern in a second set of transactions of the second set of customers.
摘要翻译：在一个方面，一种系统包括用于处理交易的交易处理程序，用于存储记录交易的数据的数据仓库以及与数据仓库耦合的至少一个处理器，所述处理器被配置为标识第一组进行与广告相关的第一交易的客户，识别不在第一组客户中的第二组客户，以及确定第一组客户中的第一组交易中的第一模式与第一组客户中的第二模式之间的差异第二组客户的第二组交易。

3. 发明申请

WO2011049754A3 SYSTEMS AND METHODS FOR ADVERTISING SERVICES BASED ON AN SKU-LEVEL PROFILE 审中-公开
标题翻译：用于基于SKU级别简档来广告服务的系统和方法
公开(公告)号：WO2011049754A3
公开(公告)日：2011-08-18
申请号：PCT/US2010051853
申请日：2010-10-07
申请人： VISA USA 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：在一个方面，一种计算装置包括：处理交易的交易处理器; 门户，用于从用户接收标识用户的账户标识符的同意数据; 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; 以及配置文件生成器，用于基于存储在数据仓库中的交易数据和购买细节生成配置文件。响应于交易处理程序中接收到的用于识别第一账户标识符的支付交易的授权请求，系统将使用交易处理程序通过对授权请求的响应请求与来自商家的授权请求相关联的购买细节，以及响应于确定第一账户标识符与许可数据相关联，接收和存储与授权请求相关联的购买细节到数据仓库中。

4. 发明申请

WO2011046667A3 SYSTEMS AND METHODS TO MATCH IDENTIFIERS 审中-公开
标题翻译：符合标识符的系统和方法
公开(公告)号：WO2011046667A3
公开(公告)日：2011-06-16
申请号：PCT/US2010044779
申请日：2010-08-06
申请人： VISA USA 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：在一个方面，一种系统包括用于处理交易的交易处理器，用于存储交易数据的数据仓库，所述交易数据记录在交易处理器处处理的交易并且存储第一用户标识符和第一账户标识符之间的映射数据，用于生成简档以及与交易处理程序耦合的门户，以接收标识由第一跟踪器用来跟踪用户的在线活动的第二用户标识符的查询。系统将基于第一用户标识符和第一账户标识符之间的映射数据从第二用户标识符中识别用户的第二账户标识符，以利用使用用户简档的定向广告和/或提供关于某些用户与先前呈现的广告有关的交易。

5. 发明申请

WO2011017461A3 SYSTEMS AND METHODS FOR TARGETED ADVERTISEMENT DELIVERY 审中-公开
标题翻译：用于定向广告交付的系统和方法
公开(公告)号：WO2011017461A3
公开(公告)日：2011-05-19
申请号：PCT/US2010044459
申请日：2010-08-04
申请人： VISA USA 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，一种计算设备被配置为接收对简档的请求以定制用于呈现给在该请求中标识的用户的信息，并且响应于该标识该用户的请求，提供基于该用户的交易数据生成的简档用户。该简档利用代表多个区域中的汇总支出的多个值汇总用户的交易数据。该信息包括基于简档选择，优先，调整或生成的广告。该广告至少包括优惠，如折扣，奖励，奖励，优惠券，礼品，现金回赠，优惠，产品或服务。

6. 发明申请

WO2008089194A3 METHOD AND SYSTEM FOR SHARING CUSTOMIZED PORTABLE CONSUMER DEVICES 审中-公开
标题翻译：用于共享定制便携式消费者设备的方法和系统
公开(公告)号：WO2008089194A3
公开(公告)日：2008-09-04
申请号：PCT/US2008051084
申请日：2008-01-15
申请人： VISA USA INC , WINTERS MICHELLE
发明人： WINTERS MICHELLE
IPC分类号： G06F17/00 , G06F17/30
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0613 , G06Q40/00 , G06Q40/025
摘要： A method for receiving and presenting user-generated designs and sets of terms for portable consumer devices. The method provides for allowing a first person to create a customized design for a portable consumer device, and share the design with other consumers via a host site. Similarly, the method provides for allowing a first person to create and share a customized set of terms for the portable consumer device. Methods for receiving and distributing feedback for customized designs and sets of terms are included.
摘要翻译：用于接收和呈现便携式消费者设备的用户生成的设计和术语集的方法。该方法允许第一人为便携式消费者设备创建定制设计，并通过主机站点与其他消费者分享设计。类似地，该方法允许第一人为便携式消费者设备创建和分享定制的一组术语。包括用于接收和分发针对定制设计和术语集合的反馈的方法。

7. 发明申请

WO2011094080A3 TRANSACTION DATA REPOSITORY FOR RISK ANALYSIS 审中-公开
标题翻译：风险分析交易数据报告
公开(公告)号：WO2011094080A3
公开(公告)日：2011-11-17
申请号：PCT/US2011021402
申请日：2011-01-14
申请人： VISA INT SERVICE ASS , 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：提出了系统和方法，用于确定经纪网站上消费者对消费者（C2C）交易的风险水平。风险水平可以基于支付处理网络（例如Visa）账户数据以及外部数据，例如使用IP地址的地理位置，欺诈局数据和星级。买卖消费者可以为每笔交易提供多种风险分数，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等级。在进行交易之前，买卖消费者可以交易其风险水平。

8. 发明申请

WO2011044010A3 SYSTEMS AND METHODS FOR PANEL ENHANCEMENT WITH TRANSACTION DATA 审中-公开
标题翻译：具有交易数据的面板增强的系统和方法
公开(公告)号：WO2011044010A3
公开(公告)日：2011-09-29
申请号：PCT/US2010051262
申请日：2010-10-04
申请人： VISA USA INC , FORDYCE EDWARD W III , WINTERS MICHELLE ENG , BYCE CHARLES RAYMOND , SIEGEL KEVIN PAUL , HAGEY RYAN , AMARO LEIGH , SAVAS NURTEKIN
发明人： FORDYCE EDWARD W III , WINTERS MICHELLE ENG , BYCE CHARLES RAYMOND , SIEGEL KEVIN PAUL , HAGEY RYAN , AMARO LEIGH , SAVAS NURTEKIN
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0201
摘要： In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc.
摘要翻译：一方面，一种计算装置被配置为经由一个或多个媒体信道生成关于向多个客户呈现信息的观众测量数据，将多个客户识别到交易处理器以请求信息，接收基于交易产生的信息与在交易处理器处理的多个交易相关的数据，并且基于观众测量数据和基于交易数据生成的信息生成报告。一个或多个媒体频道可以包括在线媒体频道，移动通信频道，或诸如电视广播，无线电广播，报纸，杂志，直邮，广告牌等的离线媒体频道。

9. 发明申请

WO2011116301A2 SYSTEMS AND METHODS TO DISTRIBUTE ADVERTISEMENT OPPORTUNITIES TO MERCHANTS 审中-公开
标题翻译：分配广告商业机会的制度和方法
公开(公告)号：WO2011116301A2
公开(公告)日：2011-09-22
申请号：PCT/US2011029025
申请日：2011-03-18
申请人： VISA USA INC , WINTERS MICHELLE ENG
发明人： WINTERS MICHELLE ENG
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0255
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.
摘要翻译：一方面，系统包括用于处理事务的事务处理程序，用于存储记录事务的事务数据的数据仓库，以及被配置为提供用户界面以接收来自相应商家的一组选择标准和多个出价的门户基于由交易处理程序生成的交易数据确定的消费模式，向通过该选择标准集合标识的用户呈现广告的机会。系统还包括与数据仓库和门户耦合的至少一个处理器，并且被配置为响应于向用户进行广告的机会来确定由交易处理者处理的用户的事务是否满足选择标准的集合，如果是，则至少部分地基于从商家接收的投标来选择多个商家中的一个商家的广告。

10. 发明申请

WO2011116300A2 SYSTEMS AND METHODS TO IDENTIFY SPENDING PATTERNS 审中-公开
标题翻译：识别发送模式的系统和方法
公开(公告)号：WO2011116300A2
公开(公告)日：2011-09-22
申请号：PCT/US2011029023
申请日：2011-03-18
申请人： VISA USA INC , WINTERS MICHELLE ENG
发明人： WINTERS MICHELLE ENG
IPC分类号： G06Q30/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q30/02
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.
摘要翻译：一方面，系统包括用于处理事务的事务处理程序，用于存储记录事务的事务数据的数据仓库，被配置为确定在线活动跟踪数据的门户，以及与数据仓库和门户相配合的至少一个处理器，使用交易数据和在线活动跟踪数据，在预定时间段内未到达第一商家的网站的第一用户识别第一用户的一组交易，并确定第一用户的消费模式第一批用户的一组交易。

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