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1. 发明申请

WO2011002873A2 INTELLIGENT AUTHENTICATION 审中-公开
标题翻译：智能认证
公开(公告)号：WO2011002873A2
公开(公告)日：2011-01-06
申请号：PCT/US2010/040581
申请日：2010-06-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TRIFILETTI, Greg , BRAND, Olivier , LINDELSEE, Mike , DIMMICK, James , WENTKER, Dave
发明人： TRIFILETTI, Greg , BRAND, Olivier , LINDELSEE, Mike , DIMMICK, James , WENTKER, Dave
IPC分类号： G06Q20/00 , H04W12/06 , G06Q50/00 , H04W4/12
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：披露了用于智能认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定发行者可用作认证信道的一个或多个可用通信信道。服务器计算机还确定一个或多个可供该用户的移动设备使用的通信信道，该通信信道可被用作认证信道以认证支付交易。向用户提供可用/合格认证通道的列表。用户选择其中一个认证通道并向发布者通知选择。发行人使用选定的认证渠道与用户通信并验证付款交易。

2. 发明申请

WO2011028399A3 RESPONSE TO ALERT MESSAGE 审中-公开
公开(公告)号：WO2011028399A3
公开(公告)日：2011-03-10
申请号：PCT/US2010/045638
申请日：2010-08-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TRIFILETTI, Greg , HAMMAD, Ayman
发明人： TRIFILETTI, Greg , HAMMAD, Ayman
IPC分类号： G06Q20/00 , G06Q30/00 , H04W4/24 , H04W4/14
摘要： One embodiment of the invention is directed to a system comprising a server computer, a database coupled to the server, and a notification device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer.

3. 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。

4. 发明申请

WO2011153505A1 PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：付款归位装置，方法和系统
公开(公告)号：WO2011153505A1
公开(公告)日：2011-12-08
申请号：PCT/US2011/039178
申请日：2011-06-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FUENTES, Jacob , DILL, Matthew , TRIFILETTI, Greg , CIUREA, Peter , HAMMAD, Ayman
发明人： FUENTES, Jacob , DILL, Matthew , TRIFILETTI, Greg , CIUREA, Peter , HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/425 , G06Q30/0601
摘要： The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS ("PT") transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order. The PT queries a token database for issuer information using the payment token information, and obtains the issuer information. The PT also determines the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a user?s mobile device. Upon obtaining a response to the payment options request from the mobile device, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.
摘要翻译：付款授权设备，方法和系统（“PT”）通过PT组件将基于付款令牌的采购订单转换为多发行商购买支付资金转帐。在一个实施例中，PT从商家获得包括用于处理采购订单的来自商家的唯一源中性普遍可解决的支付令牌信息的令牌仲裁请求。 PT使用支付令牌信息查询令牌数据库的发行者信息，并获得发行者信息。 PT还确定基于发行者信息查询用户的付款选项，生成支付选项请求，并向用户的移动设备提供支付选择请求。在获得对来自移动设备的付款选择请求的响应时，PT基于用于处理采购订单的要联系的发行者的支付选项和预定义设置生成购买授权请求，并且将生成的购买授权请求提供给发行人。

5. 发明申请

WO2010036804A2 SYSTEM AND METHOD FOR BENEFIT NOTIFICATION 审中-公开
标题翻译：用于利益通知的系统和方法
公开(公告)号：WO2010036804A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/058226
申请日：2009-09-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TRIFILETTI, Greg , MIRIZZI, Joe , HARIRAMANI, Prakash, Prem , WHITE, Lauren
发明人： TRIFILETTI, Greg , MIRIZZI, Joe , HARIRAMANI, Prakash, Prem , WHITE, Lauren
IPC分类号： G06Q30/00 , G06Q50/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/3255 , G06Q20/387 , G06Q30/0226 , G06Q30/0238 , G06Q40/00
摘要： A system and method for generating and sending benefit notifications is disclosed. A consumer can conduct a transaction at a merchant. The consumer may receive a notification containing a reward status indicator. The reward status indicator may be text or a figure that indicates a status of a consumer's purchases toward a reward threshold. With this notification, the consumer can be aware both of how many rewards she has already earned, and how many more rewards she may need to obtain to redeem any rewards. The benefit notification message may be sent while the consumer is still near the merchant, such that the consumer can receive the message with enough time to act on the reward information.
摘要翻译：公开了用于生成和发送好处通知的系统和方法。消费者可以在商家进行交易。消费者可能会收到一个包含奖励状态指示符的通知。奖励状态指示符可以是指示消费者的购买朝向奖励阈值的状态的文本或数字。通过此通知，消费者可以知道她已经获得了多少奖励，以及她可能需要获得多少奖励才能兑换任何奖励。福利通知消息可以在消费者仍然在商户附近时发送，使得消费者可以用足够的时间来接收消息以对付奖励信息。

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