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1. 发明申请

WO2012018841A3 SYSTEMS AND METHODS TO OPTIMIZE MEDIA PRESENTATIONS USING A CAMERA 审中-公开
标题翻译：用相机优化媒体演示的系统和方法
公开(公告)号：WO2012018841A3
公开(公告)日：2012-05-10
申请号：PCT/US2011046300
申请日：2011-08-02
申请人： VISA USA INC , YODER JEANETTE , BYCE CHARLES RAYMOND , WINTERS MICHELLE ENG
发明人： YODER JEANETTE , BYCE CHARLES RAYMOND , WINTERS MICHELLE ENG
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q30/0241 , G06Q30/0201 , G06Q30/0202 , G06Q30/0207 , G06Q30/0242 , G06Q30/06 , G06Q50/01
摘要： In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.
摘要翻译：在一个方面，计算装置被配置为：使用附接到位于零售地点附近的数字标牌的数码相机来捕获已经观看数字标牌的客户的第一图像; 基于第一图像来识别顾客的特征; 使用所述特征识别已经通过交易处理程序在零售地点进行了支付交易的客户子集; 基于所述交易处理程序记录的所述客户子集的交易来确定聚合消费简档; 并基于聚集的消费简档在数字标牌上安排内容。计算装置可以进一步配置为使用附接到零售地点的销售点（POS）站的数字相机通过交易处理器捕获在零售地点进行了支付交易的客户的第二图像，并且关联第一和第二图像来识别子集。

2. 发明申请

WO2012018841A2 SYSTEMS AND METHODS TO OPTIMIZE MEDIA PRESENTATIONS USING A CAMERA 审中-公开
公开(公告)号：WO2012018841A2
公开(公告)日：2012-02-09
申请号：PCT/US2011046300
申请日：2011-08-02
申请人： VISA USA INC , YODER JEANETTE , BYCE CHARLES RAYMOND , WINTERS MICHELLE ENG
发明人： YODER JEANETTE , BYCE CHARLES RAYMOND , WINTERS MICHELLE ENG
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q30/0241 , G06Q30/0201 , G06Q30/0202 , G06Q30/0207 , G06Q30/0242 , G06Q30/06 , G06Q50/01
摘要： In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.

3. 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.

4. 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.

5. 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。

6. 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。

7. 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。

8. 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.

9. 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。

10. 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。

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