公开(公告)号：WO2017099909A1

公开(公告)日：2017-06-15

申请号：PCT/US2016/060048

申请日：2016-11-02

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： BANKSTON, Michael ,  WHITE, David ,  HAGEY, Ryan ,  MARTINEZ, Arturo

IPC: G06Q20/36 ,  G06Q20/38 ,  G06Q20/06 ,  G06Q30/02

CPC classification number: G06Q20/3829 ,  G06Q20/065 ,  G06Q20/387 ,  G06Q20/405

Abstract: Embodiments of the present invention are directed to methods and systems for the efficient management of a digital currency system using a cryptocurrency scheme. Embodiments utilize a payment processor computer to manage entities in the digital currency system, which have the rights to generate, distribute, transact with, and redeem units of a digital currency. In some embodiments, the digital currency may represent points in a loyalty program operated by an entity or organization. Transactions performed using the digital currency and rules governing the digital currency can be tracked and maintained in a master ledger maintained by the payment processor computer, and distributed as sub-ledgers to other entities within the digital currency system.

Abstract translation: 本发明的实施例针对用于使用加密货币计划有效管理数字货币系统的方法和系统。 实施例利用支付处理器计算机来管理数字货币系统中的实体，该实体有权生成，分配，交易和兑换数字货币的单位。 在一些实施例中，数字货币可以表示由实体或组织操作的忠诚计划中的点。 使用数字货币和管理数字货币的规则进行的交易可以在由支付处理器计算机维护的主分类账中进行跟踪和维护，并作为分类账分配给数字货币系统内的其他实体。

公开(公告)号：WO2017180305A1

公开(公告)日：2017-10-19

申请号：PCT/US2017/023655

申请日：2017-03-22

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： WHITE, David

IPC: G06Q30/06 ,  G06Q30/02 ,  H04W88/02

Abstract: A decentralized offer management system is described. An appliance may be capable of storing and managing offers related to the appliance without communication with a central server. The appliance may receive and store offer attributes related to offers received from an offer provider computer. When a user utilizes their user device to communicate with the appliance, the appliance may determine offers related to the stored offer attributes that can be provided to the user. In some cases, the offers may be specific to the appliance or specific to the user. The appliance may send an offer to the user device, where the offer may indicate that the user is to perform certain actions to qualify to redeem the offer. The appliance may verify that the user has performed such actions before enabling the offer to be redeemed.

Abstract translation:

描述分散式报价管理系统。 设备可能能够存储和管理与设备相关的优惠，而无需与中央服务器通信。 设备可以接收并存储与从供应商计算机接收的供应有关的供应属性。 当用户利用他们的用户设备与设备通信时，设备可以确定与可以提供给用户的所存储的优惠属性相关的优惠。 在某些情况下，优惠可能是特定于设备或特定于用户的。 设备可以向用户设备发送报价，其中报价可以指示用户将执行某些动作以有资格兑换报价。 在启用优惠之前，设备可能会验证用户是否已执行此类操作。

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

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION ,  OLSON, Ray ,  WHITE, David ,  BODINGTON, Shaun ,  FENG, Jie

Inventor： OLSON, Ray ,  WHITE, David ,  BODINGTON, Shaun ,  FENG, Jie

IPC: G06Q20/16 ,  G06Q40/02

CPC classification number: G06Q20/0855 ,  G06Q20/34 ,  G06Q20/405 ,  G06Q30/06

Abstract: 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).

Abstract translation: 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。

公开(公告)号：WO2017099972A1

公开(公告)日：2017-06-15

申请号：PCT/US2016/062762

申请日：2016-11-18

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： WHITE, David

IPC: H04L9/08 ,  H04L29/06

CPC classification number: G06F21/6245 ,  G06F21/602 ,  G06F21/64 ,  G06F2221/2101 ,  G06F2221/2107 ,  G06F2221/2147 ,  H04L9/0822 ,  H04L9/0825 ,  H04L9/0894 ,  H04L9/14 ,  H04L9/321 ,  H04L9/3247 ,  H04L9/3263 ,  H04L2209/805

Abstract: An appliance is capable of storing and processing data related to details surrounding its ownership, behavior, and history within itself in a secure and unalterable way. The appliance may experience multiple transfers in ownership during its lifetime. Certain data stored in the appliance may be encrypted such that only qualifying parties (e.g., owners) may be able to access the data. Some data may remain private to an individual owner while other data may be made available to subsequent owners by passing a shared secret that can be utilized to decrypt the other data. Data may be stored in the appliance in chronological order and may be signed by appropriate parties such that it is not possible to alter the data without detection.

Abstract translation:

设备能够以安全且不可改变的方式存储和处理与其自身所有权，行为和历史相关的细节相关的数据。 设备在使用期间可能会经历多次所有权转让。 存储在设备中的某些数据可以被加密，使得只有合格方（例如，所有者）才能够访问数据。 有些数据可能对个人所有者保持私有，而其他数据可能通过传递可用于解密其他数据的共享密钥而提供给后续所有者。 数据可能按时间顺序存储在设备中，并可能由适当的人员签名，以至于无法检测到数据时无法更改数据。