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    Merchant Configured Advertised Incentives Funded Through Statement Credits
    4.
    发明申请
    Merchant Configured Advertised Incentives Funded Through Statement Credits 审中-公开

    公开(公告)号：US20170255931A1

    公开(公告)日：2017-09-07

    申请号：US15599296

    申请日：2017-05-18

    申请人： VISA U.S.A. INC.

    发明人： John Hamilton MacIlwaine ,  Patrick Stan ,  Surendra Keshan ,  Mark Carlson

    IPC分类号： G06Q20/38 ,  G06Q30/02

    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.

    Schema-based dynamic parse/build engine for parsing multi-format messages
    5.
    发明授权
    Schema-based dynamic parse/build engine for parsing multi-format messages 有权
    用于解析多格式消息的基于模式的动态解析/构建引擎

    公开(公告)号：US09215196B2

    公开(公告)日：2015-12-15

    申请号：US14017214

    申请日：2013-09-03

    申请人： Visa U.S.A. Inc.

    发明人： Thakur L. Singh ,  Sara K. Garrison ,  Mark Carlson ,  Kamlakar Singh ,  Shajen Devassey

    IPC分类号： G06F9/44 ,  G06F15/16 ,  H04L12/58 ,  G06Q20/40 ,  G06Q30/06 ,  H04L29/06

    CPC分类号： H04L51/066 ,  G06Q20/40 ,  G06Q30/06 ,  H04L51/046 ,  H04L69/03 ,  H04L69/22

    摘要： A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the “grammar” can include field sequence, field type, length, character encoding, optional and required fields, etc.). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers.

    摘要翻译： 一个可以处理多格式财务信息的解析/构建引擎。 引擎将不同格式的消息转换为通用格式，然后通用格式消息由业务服务应用程序处理。 解析器检查消息，并为接收的消息的特定格式确定适当的模式。 该模式是模式注册表中的数据结构，其中包含接收格式的语法结构以及使用语法结构将消息的不同字段转换为内部消息格式的处理程序指针（“语法”可以包括字段 序列，字段类型，长度，字符编码，可选和必填字段等）。 处理程序是单独编译的。 随着格式的变化，新格式或旧格式的更改可以通过加载新的模式和处理程序来动态地添加到解析/构建引擎中。

    SYSTEMS AND METHODS TO COMMUNICATE WITH USERS VIA SOCIAL NETWORKING SITES
    6.
    发明申请
    SYSTEMS AND METHODS TO COMMUNICATE WITH USERS VIA SOCIAL NETWORKING SITES 审中-公开
    通过社会网络网站与用户通信的系统和方法

    公开(公告)号：US20130117108A1

    公开(公告)日：2013-05-09

    申请号：US13673394

    申请日：2012-11-09

    申请人： Visa U.S.A. Inc.

    发明人： Joseph Spears ,  Mark Carlson ,  Patrick Stan

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0255

    摘要： In one aspect, a computing apparatus is configured with a configurable, generic, data-driven model, in which properties of social networking sites/applications are stored and used in communicating offer-related messages via social networking sites.

    摘要翻译： 在一个方面，计算设备配置有可配置的，通用的数据驱动模型，其中社交网络站点/应用的属性被存储并用于经由社交网站传送与提供相关的消息。

    Wireless payment method and systems
    9.
    发明授权
    Wireless payment method and systems 有权

    公开(公告)号：US10510064B2

    公开(公告)日：2019-12-17

    申请号：US15676477

    申请日：2017-08-14

    申请人： VISA U.S.A. INC.

    发明人： Joan Myers ,  Sara Garrison ,  Mark Carlson

    IPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

    摘要： A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

    Systems and Methods for Multi-Channel Offer Redemption
    10.
    发明申请
    Systems and Methods for Multi-Channel Offer Redemption 审中-公开

    公开(公告)号：US20180225678A1

    公开(公告)日：2018-08-09

    申请号：US15943824

    申请日：2018-04-03

    申请人： Visa U.S.A. Inc.

    发明人： John Hamilton MacIlwaine ,  Kirstin Garen ,  Mark Carlson ,  George William Coombes, IV ,  Russell P. Zink ,  Patrick Stan ,  Surendra Keshan

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0215 ,  G06Q30/0269 ,  G06Q30/0273

    摘要： Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.