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1. 发明授权

US09990646B2 Systems and methods to provide a user interface for redemption of loyalty rewards 有权
公开(公告)号：US09990646B2
公开(公告)日：2018-06-05
申请号：US14523185
申请日：2014-10-24
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q30/0233 , G06Q20/387 , G06Q20/40 , G06Q20/42 , G06Q30/0226
摘要： A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

2. 发明申请

US20130275181A1 SERVICE PROVIDER ANALYTICS 审中-公开
标题翻译：服务提供者分析
公开(公告)号：US20130275181A1
公开(公告)日：2013-10-17
申请号：US13911997
申请日：2013-06-06
申请人： Visa International Service Association
发明人： Laura DiGioacchino , Jeffrey Rolland Olives , Kevin Akerman , Kevin Considine , Charles Byce , James VonDerheide
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： A system, apparatus, computer readable media, and method are disclosed for generating analytics on customers of service provider merchants. In an example, a transaction record associated with an account identifier of a customer that purchased a first service from a first merchant may be processed and a service date for the first service may be determined. Other transaction records comprising the account identifier and that satisfy a temporal filter may be identified. Each of the other transaction records may include transaction data associated with at least one of: (1) purchase of another service to be provided within a first predetermined amount of time of the service date, and (2) purchase of a product within a second predetermined amount of time of the service date. A spending profile including information on the first service, the service date, and the transaction data for each of the other transaction records may be generated.
摘要翻译：公开了一种系统，装置，计算机可读介质和方法，用于在服务提供者商家的客户身上产生分析。在一个示例中，可以处理与从第一商家购买第一服务的客户的帐户标识相关联的交易记录，并且可以确定第一服务的服务日期。可以识别包括帐户标识符和满足时间滤波器的其他交易记录。每个其他交易记录可以包括与以下中的至少一个相关联的交易数据：（1）在服务日期的第一预定时间量内购买要提供的另一服务，以及（2）在第二时间内购买产品预定时间的服务日期。可以生成包括关于每个其他交易记录的第一服务，服务日期和交易数据的消息的支出简档。

3. 发明授权

US11328315B2 Systems and methods to provide a user interface for redemption of loyalty rewards 有权
公开(公告)号：US11328315B2
公开(公告)日：2022-05-10
申请号：US15959751
申请日：2018-04-23
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02 , G06Q20/38 , G06Q20/40 , G06Q20/42
摘要： A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

4. 发明申请

US20150149272A1 SYSTEMS AND METHODS TO COMMUNICATE LOYALTY REWARD INFORMATION DURING PAYMENT TRANSACTIONS 审中-公开
标题翻译：在付款交易期间通信信贷收益信息的系统和方法
公开(公告)号：US20150149272A1
公开(公告)日：2015-05-28
申请号：US14553123
申请日：2014-11-25
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： G06Q30/0233 , G06Q20/381 , G06Q20/387 , G07F17/0035
摘要： A system and method configured to use an authorization messaging system for payment processing to communicate, in real time during authorization of a payment transaction, loyalty reward information, such as reward balance and conversion rate between a loyalty currency and a payment currency. For example, loyalty currency conversion rate is provided in real time via the authorization response that also provides the loyalty currency balance that is redeemable for the payment transaction. The system and method allows the conversion rate to be customized and/or personalized based on the identities of the user, the merchant and the loyalty program. Merchant may provide add-on offers for certain users.
摘要翻译：一种被配置为使用授权消息传递系统进行支付处理的系统和方法，在支付交易的授权期间实时地通信忠诚度奖励信息，例如忠诚货币和支付货币之间的奖励余额和转换率。例如，忠诚度货币兑换率通过授权响应实时提供，该授权响应还提供可兑换用于支付交易的忠诚货币余额。系统和方法允许基于用户，商家和忠诚度计划的身份来定制和/或个性化转换率。商家可能会为某些用户提供附加优惠。

5. 发明申请

US20150088626A1 SYSTEMS AND METHODS TO RESERVE AND RELEASE REWARDS FOR REDEMPTION DURING PAYMENT TRANSACTIONS 审中-公开
标题翻译：在付款交易期间保留和发放赎回奖励的制度和方法
公开(公告)号：US20150088626A1
公开(公告)日：2015-03-26
申请号：US14495107
申请日：2014-09-24
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0222 , G06Q20/227 , G06Q20/387 , G06Q20/405 , G06Q30/0215 , G06Q30/0225 , G06Q30/0226 , G06Q30/0233
摘要： A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. The transaction handler may communicate with the sponsor processors in parallel or in sequence to reserve and release rewards, and may provide a partial authorization for the transaction in response to each authorization for reward redemption from a respective reward account without a subsequent, updated authorization request for the transaction in the payment account of the user.
摘要翻译：一种包括交易处理器的系统，其被配置为将表示商家的获取方处理器和表示支付账户的用户的发行者处理器之间发起的交易分开到与所述发行者处理器和一个或多个赞助商处理器的控制中的奖励账户的单独交易中的用户赎回忠诚奖励。交易处理程序可以与赞助商处理器并行或依次进行通信以保留和释放奖励，并且可以响应于来自相应奖励账户的奖励兑换的每个授权而为交易提供部分授权，而没有后续的更新的授权请求用户的付款帐户中的交易。

6. 发明授权

US11640621B2 Systems and methods to provide a user interface for redemption of loyalty rewards 有权
公开(公告)号：US11640621B2
公开(公告)日：2023-05-02
申请号：US17720339
申请日：2022-04-14
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/0226 , G06Q20/38 , G06Q20/40 , G06Q20/42
摘要： A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

7. 发明申请

US20220237649A1 Systems and Methods to Provide a User Interface for Redemption of Loyalty Rewards 有权
公开(公告)号：US20220237649A1
公开(公告)日：2022-07-28
申请号：US17720339
申请日：2022-04-14
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02 , G06Q20/38 , G06Q20/40 , G06Q20/42
摘要： A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

8. 发明申请

US20150120429A1 SYSTEMS AND METHODS TO PROVIDE A USER INTERFACE FOR REDEMPTION OF LOYALTY REWARDS 有权
标题翻译：提供用户界面以赎回积分奖励的系统和方法
公开(公告)号：US20150120429A1
公开(公告)日：2015-04-30
申请号：US14523185
申请日：2014-10-24
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02 , G06Q20/40 , G06Q20/38
CPC分类号： G06Q30/0233 , G06Q20/387 , G06Q20/40 , G06Q20/42 , G06Q30/0226
摘要： A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.
摘要翻译：系统包括规则引擎，用于从用户的支付账户中处理支付交易的一部分确定来自一个或多个奖励账户的忠诚度奖励货币兑换的细节。兑换细节根据用户偏好和忠诚度计划的规则确定，并在支付交易的授权期间传送给用户。在授权期间和/或在授权之后的时间窗口内，但在付款交易结算之前，用户可以提供可以接受，拒绝或修改兑换细节的确认消息。交易处理程序被配置为授权和/或结算支付交易，如由规则引擎初始计算的随后由用户通过可选确认消息确认，拒绝或修改的兑换细节进行修改。

9. 发明申请

US20150088633A1 SYSTEMS AND METHODS TO REDEEM LOYALTY REWARDS DURING PAYMENT TRANSACTIONS 审中-公开
标题翻译：在付款交易期间兑现优惠奖励的制度和方法
公开(公告)号：US20150088633A1
公开(公告)日：2015-03-26
申请号：US14494986
申请日：2014-09-24
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q20/38 , G06Q20/22 , G06Q30/02
CPC分类号： G06Q30/0222 , G06Q20/227 , G06Q20/387 , G06Q20/405 , G06Q30/0215 , G06Q30/0225 , G06Q30/0226 , G06Q30/0233
摘要： A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. User preferences and rules of the loyalty programs for the redemption of the loyalty rewards are stored to facilitate the determination of the redemption details in an automated way, such that the user (and/or the merchant) does not have to specify the redemption details. A portal may optionally notify the user of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.
摘要翻译：一种包括交易处理器的系统，其被配置为将表示商家的获取方处理器和表示支付账户的用户的发行者处理器之间发起的交易分开到与所述发行者处理器和一个或多个赞助商处理器的控制中的奖励账户的单独交易中的用户赎回忠诚奖励。存储用于兑换忠诚奖励的忠诚度计划的用户偏好和规则，以便以自动方式确定兑换细节，使得用户（和/或商家）不必指定兑换细节。门户网站可以使用与交易终端分开的通信信道通知用户奖励/兑换优惠的利益，该交易终端启动并且批准账户持有者与商家之间的交易。

10. 发明申请

US20180240143A1 Systems and Methods to Provide a User Interface for Redemption of Loyalty Rewards 审中-公开
公开(公告)号：US20180240143A1
公开(公告)日：2018-08-23
申请号：US15959751
申请日：2018-04-23
申请人： Visa International Service Association
发明人： Diane C. Salmon , James Alan VonDerheide , Laura DiGioacchino , Edward Scheidelman , Nancy L. Kim
IPC分类号： G06Q30/02 , G06Q20/42 , G06Q20/40 , G06Q20/38
CPC分类号： G06Q30/0233 , G06Q20/387 , G06Q20/40 , G06Q20/42 , G06Q30/0226
摘要： A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

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