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1. 发明申请

WO2010036915A2 REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS 审中-公开
标题翻译：实时声明信用和通知
公开(公告)号：WO2010036915A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/058412
申请日：2009-09-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , KESHAN, Surendra , TRIFILETTI, Greg , MIRIZZI, Joe , HARIRAMANI, Prakash Prem , WHITE, Lauren , STAN, Patrick , MACLLWAINE, John
发明人： CARLSON, Mark , KESHAN, Surendra , TRIFILETTI, Greg , MIRIZZI, Joe , HARIRAMANI, Prakash Prem , WHITE, Lauren , STAN, Patrick , MACLLWAINE, John
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/387 , G06Q20/04 , G06Q30/0215 , G06Q30/0222 , G06Q40/00
摘要： One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer's account associated with the credit card is credited and the consumer is immediately notified that the account was credited.
摘要翻译：本发明的一个实施例涉及一种包括处理器和耦合到处理器的计算机可读介质的服务器计算机。该计算机可读介质包括用于接收交易数据的代码，该交易数据指示与主账号相关联的支付交易已经发生并且匹配触发记录，用于确定支付交易是否有资格获得信用的代码，用于发起对关联账户的信用的代码如果支付交易有资格获得信用，则与主帐号一起使用，以及用于基本上与接收交易数据同时向与主帐号相关联的消费者发送电子通知消息的代码。电子通知消息包括关于第一优惠的信息，并且主帐户被记入第一优惠的金额。例如，收到的交易数据表明消费者用他的信用卡进行了购买。如果购买符合先前发送的要约，则与信用卡相关联的消费者账户被记入贷方，并立即通知消费者该账户被记入。

2. 发明申请

WO2010036863A2 NEW BENEFICIARY INITIATED P2P, P2B PAYMENT MODEL 审中-公开
标题翻译：新的受益启动的P2P，P2B付款模式
公开(公告)号：WO2010036863A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/058327
申请日：2009-09-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , KESHAN, Surendra
发明人： CARLSON, Mark , KESHAN, Surendra
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/322 , G06Q30/04
摘要： A system and method that allows a Payee to request payment from a Payor is disclosed. The system allows the Payee to issue an invoice in electronic form detailing the payment request to the Payor. The system further allows the Payor to pay the invoice using a suitable payment means, such as a credit card, without requiring any infrastructure investment on the part of the Payee. Finally, the system does not require that the Payee receive funds from the Payor in a specific account that is associated with the system. The system allows the Payee to receive their funds in any account specified by the Payee.
摘要翻译：披露允许收款人从支付方请求支付的系统和方法。该系统允许收款人以电子形式发出发票，详细说明付款人的付款请求。该系统还允许支付方使用合适的支付手段（例如信用卡）支付发票，而不需要收款方的任何基础设施投资。最后，系统不要求收款人在与系统相关的特定账户中接收来自付款人的资金。该系统允许收款人在收款人指定的任何账户中收取他们的资金。

3. 发明申请

WO2010045108A2 P2P TRANSFER USING PREPAID CARD 审中-公开
标题翻译： P2P传输使用预付卡
公开(公告)号：WO2010045108A2
公开(公告)日：2010-04-22
申请号：PCT/US2009/060116
申请日：2009-10-09
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , KESHAN, Surendra
发明人： CARLSON, Mark , KESHAN, Surendra
IPC分类号： G06Q20/00
CPC分类号： G06Q20/223 , G06Q20/10 , G06Q20/105 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to activate the payment. The payment can be sent to a Payee in the form of a pre-paid transaction account. The account will not be activated unless the Payee provides the activation code. Funds can be withdrawn from the account specified by the Payor either in full at the time the payment is made or are withdrawn as the Payee uses the transaction account to access the funds.
摘要翻译：公开了一种用于进行支付的方法和系统。在该方法中，支付人可以指定从中提取用于支付的账户并指定激活支付所需的激活码。支付可以以预付费交易账户的形式发送给收款人。除非收款人提供激活码，否则该账户将不会被激活。资金可以在付款时完全支付，或者在收款人使用交易账户获取资金时撤回。

4. 发明申请

WO2011119591A2 MERCHANT CONFIGURED ADVERTISED INCENTIVES FUNDED THROUGH STATEMENT CREDITS 审中-公开
标题翻译：通过声明资料资助的商业配置广告激励
公开(公告)号：WO2011119591A2
公开(公告)日：2011-09-29
申请号：PCT/US2011/029401
申请日：2011-03-22
申请人： VISA U.S.A. INC. , MACILWAINE, John Hamilton , STAN, Patrick , KESHAN, Surendra , CARLSON, Mark
发明人： MACILWAINE, John Hamilton , STAN, Patrick , KESHAN, Surendra , CARLSON, Mark
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0215
摘要： An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.
摘要翻译：广告激励系统接收由商家提供的广告激励配置信息。广告激励配置信息定义了广告激励横幅的内容。广告的激励横幅是根据需要提供给商家在商家的网站上展示的。帐户持有人与广告激励横幅互动后，从帐户持有人收到广告激励注册信息。收到包含由账户持有人进行的合格购买的交易信息。广告激励注册和合格购买相匹配。对帐户持有人的帐户发出一张报表信用额，并以商誉账户的金额发出借方。

5. 发明申请

WO2009002980A2 CARDLESS CHALLENGE SYSTEMS AND METHODS 审中-公开
标题翻译：无忧挑战系统和方法
公开(公告)号：WO2009002980A2
公开(公告)日：2008-12-31
申请号：PCT/US2008/068040
申请日：2008-06-24
申请人： VISA U.S.A. INC. , CARLSON, Mark , KESHAN, Surendra , FAITH, Patrick
发明人： CARLSON, Mark , KESHAN, Surendra , FAITH, Patrick
IPC分类号： G06Q20/00
CPC分类号： G06Q20/12 , G06Q20/00 , G06Q20/02 , G06Q20/027 , G06Q20/10 , G06Q20/20 , G06Q20/322 , G06Q20/3227 , G06Q20/3674 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q30/06 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/025
摘要： Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.
摘要翻译：提供了用于处理和/或授权消费者进行交易的支付请求的系统，方法和装置。在收到付款信息之后，可能会从非商家向消费者提出挑战性问题，从而允许明智地确定何时提出这样的挑战问题并允许复杂和证明性问题。这种挑战问题的时限可能有利于不受约束，同时仍然保持安全性。此外，风险分析可以在消费者提交付款信息之前开始，从而允许有效和复杂的风险分析。关于消费者使用的访问设备的信息可以在非商人从访问设备获得，其代码从商家发送到访问设备，并且可以在风险分析中使用设备信息。

6. 发明申请

WO2009002972A2 SYSTEMS AND METHODS FOR SECURE AND TRANSPARENT CARDLESS TRANSACTIONS 审中-公开
标题翻译：用于安全和透明无关紧要交易的系统和方法
公开(公告)号：WO2009002972A2
公开(公告)日：2008-12-31
申请号：PCT/US2008/068003
申请日：2008-06-24
申请人： VISA U.S.A. INC. , CARLSON, Mark , KESHAN, Surendra , FAITH, Patrick
发明人： CARLSON, Mark , KESHAN, Surendra , FAITH, Patrick
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/00 , G06Q20/02 , G06Q20/027 , G06Q20/10 , G06Q20/20 , G06Q20/322 , G06Q20/3227 , G06Q20/3674 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q30/06 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/025
摘要： Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
摘要翻译：提供了用于处理和/或授权消费者进行交易的支付请求的系统，方法和装置。付款信息可以直接从消费者发送到非商家，从而不允许新的实体获得付款信息。可以使用事务标识符来促进实体之间的通信。支付信息可以通过商业应用程序通过向非商人提供的提交付款按钮发送到非商家，因此很少或者不需要偏离标准做法。

7. 发明申请

WO2016161167A1 PEER-TO PEER MOBILE DEVICE PAYMENT NETWORK 审中-公开
标题翻译：对等移动设备支付网络
公开(公告)号：WO2016161167A1
公开(公告)日：2016-10-06
申请号：PCT/US2016/025354
申请日：2016-03-31
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： KESHAN, Surendra , SANKOLLI, Sanjay
IPC分类号： G06Q20/00 , G06Q20/16 , G06Q20/20 , G06Q20/32
CPC分类号： G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/401
摘要： A computer-implemented method of communicating payment data. The method includes receiving at a server, via a digital communication network, payment data transmitted from a first computing device that is connected to a peer-to-peer network and not in direct communication with the server. The payment data is received directly from a first peer computing device that is in communication with the peer-to-peer network and the server. The method also includes, at the server, analyzing, via one or more processors, the payment data to determine a payment response message. The method also includes transmitting from the server, via the digital communication network, the payment response message to a second peer computing device that is in communication with the server and in communication with the peer-to-peer network. The payment response message is communicated from the second peer computing device to the first computing device through the peer-to-peer network.
摘要翻译：一种计算机实现的通信支付数据的方法。该方法包括在服务器处经由数字通信网络接收从连接到对等网络并且不与服务器直接通信的第一计算设备发送的支付数据。支付数据直接从与对等网络和服务器通信的第一对等计算设备接收。该方法还包括在服务器处经由一个或多个处理器分析支付数据以确定支付响应消息。该方法还包括从服务器经由数字通信网络将支付响应消息发送到与服务器通信并与对等网络通信的第二对等计算设备。支付响应消息通过对等网络从第二对等计算设备传送到第一计算设备。

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