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1. 发明申请

WO2011043957A3 SYSTEMS AND METHODS FOR ANTICIPATORY ADVERTISEMENT DELIVERY 审中-公开
标题翻译：用于安全广告传送的系统和方法
公开(公告)号：WO2011043957A3
公开(公告)日：2011-06-16
申请号：PCT/US2010050504
申请日：2010-09-28
申请人： VISA USA INC , FORDYCE EDWARD W , WINTERS MICHELLE ENG , AMARO LEIGH , SAVAS NURTEKIN , RICHTER CLAUDIA , JOLLEY RYAN BRADFORD , HAGEY RYAN , VONDERHEIDE JAMES ALAN , CLYNE ANDREW
发明人： FORDYCE EDWARD W , WINTERS MICHELLE ENG , AMARO LEIGH , SAVAS NURTEKIN , RICHTER CLAUDIA , JOLLEY RYAN BRADFORD , HAGEY RYAN , VONDERHEIDE JAMES ALAN , CLYNE ANDREW
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0255
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.
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; 数据仓库，用于存储记录在用户的交易处理程序处理的多个交易的交易数据; 预期引擎，耦合到数据仓库，以基于存储在数据仓库中的交易数据预测与用户有关的未来事件; 简档生成器，用于至少部分地基于为用户预测的未来事件来生成用户的支出简档; 以及耦合到简档生成器的门户以响应于查询来提供支出简档。

2. 发明申请

WO2011133899A3 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：WO2011133899A3
公开(公告)日：2012-04-05
申请号：PCT/US2011033625
申请日：2011-04-22
申请人： VISA USA INC , CLYNE ANDREW
发明人： CLYNE ANDREW
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q40/12
摘要： In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store meta data and first data including transaction data recording the transactions and information generated based on the transaction data; an intranet coupled between the data warehouse and the transaction handler; an input engine coupled between the intranet and a plurality of data sources outside the intranet, where the input engine is controlled by the meta data to access the data sources to provide second data; and a broker engine coupled between the intranet and a plurality of data consuming devices outside the intranet, where the broker engine is controlled by the meta data to control access of the data consuming devices to the first data and the second data.
摘要翻译：一方面，一种计算装置包括：配置成处理事务的事务处理器; 配置为存储元数据的数据仓库和包括记录基于交易数据生成的交易和信息的交易数据的第一数据; 在数据仓库和事务处理程序之间耦合的内联网; 耦合在内联网和内联网之外的多个数据源的输入引擎，其中输入引擎由元数据控制以访问数据源以提供第二数据; 以及耦合在所述内部网与所述内部网之外的多个数据消费设备之间的代理引擎，其中所述代理引擎由所述元数据控制以控制所述数据消耗设备对所述第一数据和所述第二数据的访问。

3. 发明申请

WO2011019759A3 SYSTEMS AND METHODS FOR TARGETING OFFERS 审中-公开
标题翻译：系统和方法
公开(公告)号：WO2011019759A3
公开(公告)日：2011-05-05
申请号：PCT/US2010045082
申请日：2010-08-10
申请人： VISA USA INC , CLYNE ANDREW
发明人： CLYNE ANDREW
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0275
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 at the transaction handler; a profile generator to identify a set of user clusters based on transaction data; and a portal to enroll users and identify preferred communication channels of the users, receive offers from a plurality of entities, present data identifying the set of user clusters to the entities, receive bids on the clusters from the entities in accordance with types of the offers, based on the bids determine winning entities for a predetermined time period, and provide offers of the winning entities to respective enrolled users in respective clusters during the predetermined time period, using preferred communication channels of the respective enrolled users.
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; 数据仓库，用于存储记录在事务处理程序处理的事务的事务数据; 简档生成器，用于基于事务数据来识别一组用户集群; 以及门户，用于注册用户并识别用户的优选通信信道，从多个实体接收提供，将识别用户集群的数据呈现给实体，根据提供的类型从实体接收对集群的投标基于所述出价，在预定时间段内确定获胜实体，并且使用相应登记用户的优选通信信道，在所述预定时间段期间，向相应集群中的相应注册用户提供所述获胜实体的提供。

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