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1. 发明申请

WO2008042803A1 CONSUMER SPECIFIC CONDITIONAL REWARDS 审中-公开
标题翻译：消费者特殊条件奖励
公开(公告)号：WO2008042803A1
公开(公告)日：2008-04-10
申请号：PCT/US2007/079970
申请日：2007-09-28
申请人： VISA U.S.A. INC. , FORDYCE, Edward, W. , PATEL, Karteek, Hasmukh , BODINGTON, Shaun
发明人： FORDYCE, Edward, W. , PATEL, Karteek, Hasmukh , BODINGTON, Shaun
IPC分类号： G06Q30/00 , G07G1/14
CPC分类号： G06Q30/02 , G06Q30/0207 , G06Q30/0234
摘要： A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.
摘要翻译：一组条件奖励与消费者相关联。此后，在符合该集合中的一项有条件奖励的消费者帐户之一上，每个消费者的交易都会发出奖励通知。该集合可以由消费者或发行人选择，例如当发行人使用消费者账户进行的购买交易历史来确定与过去的消费者购买趋势相匹配的一组条件奖励时。在多个事务处理系统中唯一的全局唯一标识符可以与消费者相关联，并用于将事务匹配到相应的条件报酬。

2. 发明申请

WO2010083454A2 INCENTIVES ASSOCIATED WITH LINKED FINANCIAL ACCOUNTS 审中-公开
标题翻译：与链接金融账户相关的激励措施
公开(公告)号：WO2010083454A2
公开(公告)日：2010-07-22
申请号：PCT/US2010/021260
申请日：2010-01-15
申请人： VISA U.S.A. INC. , BODINGTON, Shaun
发明人： BODINGTON, Shaun
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0215 , G06Q20/102 , G06Q30/02 , G06Q30/0227 , G06Q40/02
摘要： A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.
摘要翻译：
可用于无现金交易的一组帐户以电子方式链接在一起。集合中的账户可能与不同的账户持有人，发行人，金融机构，交易处理人员或其组合相关联。利益相关者建立了一些规则，部分规定了对集合中账户进行无现金交易的处理。规则改变了无现金交易从一个账户到另一个账户的路由。忠诚度功能是相应确定的。在一个实现中，该规则改变无现金交易的路由以优化忠诚度特征。可以跟踪，分析或报告在帐户集合中的账户中进行交易的金额以创建有针对性的报价。目标要约的实现可以以验证组中账户的实际花费符合预定阈值为条件。

3. 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。

4. 发明申请

WO2008150606A3 SYSTEM AND METHOD FOR MANAGING ENHANCEMENT FEATURES ASSIGNED TO FINANCIAL PRESENTATION DEVICES 审中-公开
公开(公告)号：WO2008150606A3
公开(公告)日：2008-12-11
申请号：PCT/US2008/062166
申请日：2008-05-01
申请人： VISA U.S.A. INC. , BODINGTON, Shaun , PATTERSON, Barbara, Elizabeth , TRIFILETTI, Gregory, Charles
发明人： BODINGTON, Shaun , PATTERSON, Barbara, Elizabeth , TRIFILETTI, Gregory, Charles
IPC分类号： G06K5/00
摘要： A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.

5. 发明申请

WO2013025839A2 DYNAMIC LEVEL ASSESSMENT 审中-公开
标题翻译：动态水平评估
公开(公告)号：WO2013025839A2
公开(公告)日：2013-02-21
申请号：PCT/US2012/050998
申请日：2012-08-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , OLSON, Ray , WHITE, David , BODINGTON, Shaun , FENG, Jie
发明人： OLSON, Ray , WHITE, David , BODINGTON, Shaun , FENG, Jie
IPC分类号： G06Q20/16 , G06Q40/02
CPC分类号： G06Q20/0855 , G06Q20/34 , G06Q20/405 , G06Q30/06
摘要： Embodiments of the present invention include a dynamic and auditable rules-based spend requirement management (SRM) server configured to receive transaction data associated with a payment transaction involving an issuer of an account, where the account is associated with a first set of account level requirements (e.g., a minimum spend requirement) and a first interchange rate. The SRM is further configured to determine that the transaction data is not within the first set of account level requirements, but is within a second set of account level requirements associated with a second interchange rate, and associate the account to the second set of account level requirements by way of a final product identifier stored in a database accessible by a payment processing network (PPN).
摘要翻译：本发明的实施例包括动态和可审计的基于规则的支出需求管理（SRM）服务器，其被配置为接收与涉及账户的发行者的支付交易相关联的交易数据，其中该账户被关联具有第一组账户级别要求（例如最小花费要求）和第一交换率。 SRM还被配置为确定交易数据不在第一组帐户级要求内但在与第二交换率相关联的第二组帐户级要求内，并且将该帐户与第二组帐户级相关联要求通过支付处理网络（PPN）可访问的数据库中存储的最终产品标识符。

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