VISA U.S.A. INC. Patent applications |
Patent application number | Title | Published |
20140344068 | SYSTEMS AND METHODS FOR TARGETED ADVERTISEMENT DELIVERY - In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service. | 11-20-2014 |
20140310086 | SYSTEMS AND METHODS TO PROVIDE LOYALTY PROGRAMS - A computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier. | 10-16-2014 |
20140304057 | LOYALTY REWARDS OPTIMIZATION BILL PAYABLES AND RECEIVABLES SERVICE - For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account. | 10-09-2014 |
20140244353 | SYSTEMS AND METHODS TO ENHANCE SEARCH DATA WITH TRANSACTION BASED DATA - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, a portal configured to communicate with a search engine and to provide a user interface to receive a request from a merchant, and at least one processor coupled with the data warehouse and the portal. In response to the request received from the merchant via the portal, the at least one processor identifies a set of first statistics based on search activities of the search engine, identifies a set of second statistics based on the transactions relevant to the search activities, and uses the portal to juxtapose the set of first statistics and the set of second statistics. | 08-28-2014 |
20140244352 | SYSTEMS AND METHODS TO PROVIDE INTELLIGENT ANALYTICS TO CARDHOLDERS AND MERCHANTS - In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user. | 08-28-2014 |
20140129452 | PRODUCT RECALL PLATFORM APPARATUSES, METHODS AND SYSTEMS - The PRODUCT RECALL PLATFORM APPARATUSES, METHODS AND SYSTEMS (“PR Platform”) transforms recall initiation request, product identifier and purchase processing request inputs via PR Platform components into recall notification message outputs. In some embodiments, the PR Platform receives a purchase processing request including a plurality of product identifiers and preselects product identifiers that qualify for purchase processing based on at least one purchase processing rule. The PR Platform facilitates querying of a product recall database to determine if the preselected product identifiers match recalled product identifiers in the product recall database. If at least one of the preselected product identifiers match the recalled product identifiers, the PR Platform retrieves a recall message associated with the at least one of the preselected product identifiers and notification preferences associated with the purchase processing request. The PR Platform then generates a recall notification message in accordance with the notification preferences to include the recall message associated with the at least one of the preselected product identifiers. | 05-08-2014 |
20140048598 | Wireless Mobile Communicator for Contactless Payment on Account Read from Removable Card - A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use. | 02-20-2014 |
20140006288 | Product Level Payment Network Acquired Transaction Authorization | 01-02-2014 |
20130339243 | OPEN SYSTEM ACCOUNT REMOTE VALIDATION FOR ACCESS - At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, where each rider seeks access into a facility of the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. For each such access, a communication including the account is addressed to a network address of a system remote from the payment processing system and remote from each of POS terminals. A response to the communication is received that includes information as to the validation of the access based upon the account being on a list keep by remote system. When the received information contains the validation of the access, the rider is permitted access to the facility of the transit system and the payment device is unchanged for the fare of the access to the facility of the transit system. | 12-19-2013 |
20130282591 | Method And System Using Candidate Dynamic Data Elements - A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value. | 10-24-2013 |
20130198077 | SEEDING CHALLENGES FOR PAYMENT TRANSACTIONS - Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process. | 08-01-2013 |
20130117108 | SYSTEMS AND METHODS TO COMMUNICATE WITH USERS VIA SOCIAL NETWORKING SITES - 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. | 05-09-2013 |
20120185315 | Successive Offer Communications with an Offer Recipient - Successive offer communications are sent to an offer recipient. A first offer communication includes an offer of a merchant and the second offer communication includes an announcement about the offer. The first and second offer communications are each formatted to be rendered by respective communication device, such as a mobile phone of the offer recipient or a Point of Interaction (POI) terminal. The content of the offer communications may be tailored to the offer recipient based on the offer recipient's past transactions within a transaction processing system or a real time geographical location of the offer recipient. | 07-19-2012 |
20120109734 | Systems and Methods to Match Identifiers - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement. | 05-03-2012 |
20120109709 | Systems and Methods for Panel Enhancement with Transaction Data - In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc. | 05-03-2012 |
20120066062 | Systems and Methods to Present Triggers for Real-Time Offers - In one aspect, a computing apparatus is configured to identify a set of users; identify a plurality of triggers, each of which corresponds to a set of one or more conditions which when satisfied by a transaction of a user from the set, as the transaction is being processed by the transaction handler, causes transmission of an advertisement to the user; provide a graphical representation of triggers; and provide data related to the triggers on the graphical representation, in response to user interaction with the graphical representation. | 03-15-2012 |
20120005019 | Systems and Methods to Optimize Media Presentations - In one aspect, a computing apparatus is configured to profile the spending distribution of users who have made purchases from a merchant and who have paid for the purchases via a transaction handler (e.g., using credit cards, debit cards, prepaid cards). The spending distribution is determined based on transaction data of the users, where the transaction data records the transactions of the users for purchases from various merchants. The spending distribution is profiled to indicate the preference of the customers of the merchant as a whole and thus can be used to customize the ratio of media content provided to the customers of the merchant, such as the presentation ratio of advertisements from different merchants, or from merchants of different categories. | 01-05-2012 |
20110313900 | Systems and Methods to Predict Potential Attrition of Consumer Payment Account - Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts. | 12-22-2011 |
20110313858 | Merchant Supplied Offer to a Consumer within a Predetermined Distance - A merchant supplies a requested offer for inventory to a consumer when the consumer is within a predetermined distance from the merchant. The merchant transmits a merchant identifier, a description of the inventory of the merchant that the merchant is willing to make an offer on, the offer, and instructions to transmit the offer to the consumer making the request for the inventory when the consumer is within the predetermined distance. The merchant receives notice that the offer has been made to the consumer. The consumer accepts the merchant's offer by entering into a transaction with the merchant for the requested inventory that applies the offer to the transaction. The value of the offer may be based on a parameter such as the transaction history of an account associated with the consumer within a payment processing system. | 12-22-2011 |
20110313835 | Systems and Methods to Prevent Potential Attrition of Consumer Payment Account - Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts. | 12-22-2011 |
20110307338 | Bidding to Receive Data After a Consumer is in a Zone - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 12-15-2011 |
20110302039 | Systems and Methods for Targeted Advertisement Delivery - In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service. | 12-08-2011 |
20110302036 | Systems and Methods to Deliver Targeted Advertisements to Audience - In one aspect, a system 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 generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user. | 12-08-2011 |
20110302022 | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases - In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction. | 12-08-2011 |
20110302011 | Systems and Methods to Provide Messages in Real-Time with Transaction Processing - In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests. | 12-08-2011 |
20110264581 | Systems and Methods to Provide Market Analyses and Alerts - In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions and environmental data identifying market activities and events occurring shortly before, concurrently with, or shortly after the respective payment transactions; an analytic tool coupled with the data warehouse and configured to correlate the transaction data and the environmental data to establish at least one predictive model and configured to predict a market activity based on the predictive model; and a gateway to provide information about a prediction of the market activity to a user via a report or a mobile alert. | 10-27-2011 |
20110264567 | Systems and Methods to Provide Data Services - 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. | 10-27-2011 |
20110264540 | Auctioning of Announcements - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-27-2011 |
20110264501 | Systems and Methods to Provide Offers to Travelers - In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store transaction data recording the transactions and to store event data for travel related events; a pattern detector configured to identify correlation data relating transaction patterns in the transaction data and the events identified in the event data; a portal configured to, in response to an occurrence of a first event, provide merchants with a report of a predicted spending pattern, including the identification of a set of consumers, identified based on the correlation data and data identifying the first event; a score generator to compute a value score for a traveler based on transaction data of the traveler; and a data services platform configured to provide the value score to a hotelier in response to a transaction processed by the transaction handler to check in the traveler at the hotelier. | 10-27-2011 |
20110264497 | Systems and Methods to Transfer Tax Credits - In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions; a gateway to register structured personal financial assessments of account holders; and a matching engine configured to identify, based at least in part on the transaction data and the structured personal financial assessments, users who are in need of tax credits from a plurality of suppliers. | 10-27-2011 |
20110231305 | Systems and Methods to Identify Spending Patterns - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, a portal configured to determine online activity tracking data, and at least one processor coupled with the data warehouse and the portal and configured to identify, using the transaction data and the online activity tracking data, first users who have not been to a website of a first merchant within a predetermined period of time, identify a set of transactions of the first users, and determine a spending pattern in the set of transactions of the first users. | 09-22-2011 |
20110231258 | Systems and Methods to Distribute Advertisement Opportunities to Merchants - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, and a portal configured to provide a user interface to receive a set of selection criteria and a plurality of bids from respective merchants for opportunities to present advertisements to users identified by the set of selection criteria based on spending patterns determined from transaction data generated by the transaction handler. The system further includes at least one processor coupled with the data warehouse and the portal and configured to determine, in response to an opportunity for advertising to a user, whether transactions of the user processed by the transaction handler satisfy the set of selection criteria and, if so, select an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants. | 09-22-2011 |
20110231257 | Systems and Methods to Identify Differences in Spending Patterns - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, and at least one processor coupled with the data warehouse and configured to identify a first set of customers who made first transactions correlated with an advertisement, identify a second set of customers not in the first set of customers, and determine a difference between a first pattern in a first set of transactions of the first set of customers and a second pattern in a second set of transactions of the second set of customers. | 09-22-2011 |
20110231235 | Merchant Configured Advertised Incentives Funded Through Statement Credits - 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. | 09-22-2011 |
20110231225 | Systems and Methods to Identify Customers Based on Spending Patterns - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, a portal configured to receive a request specifying a spending pattern distribution across more than one merchant, and at least one processor coupled with the data warehouse and the portal and configured to determine, based on the transaction data, whether or not transactions of a user satisfy the spending pattern distribution. | 09-22-2011 |
20110231224 | Systems and Methods to Perform Checkout Funnel Analyses - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, a portal configured to communicate with an online store, and at least one processor coupled with the data warehouse and the portal. In one example, after users of the online store express interest in items of the online store, a first subset of the items are purchased from the online store. The processor is configured to determine a second subset of the items purchased by the users but not from the online store. Data representing user activities in the online store, and data representing the first subset and the second subset are combined to generate a checkout funnel analysis result. | 09-22-2011 |
20110231223 | Systems and Methods to Enhance Search Data with Transaction Based Data - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, a portal configured to communicate with a search engine and to provide a user interface to receive a request from a merchant, and at least one processor coupled with the data warehouse and the portal. In response to the request received from the merchant via the portal, the at least one processor identifies a set of first statistics based on search activities of the search engine, identifies a set of second statistics based on the transactions relevant to the search activities, and uses the portal to juxtapose the set of first statistics and the set of second statistics. | 09-22-2011 |
20110210723 | Method of performing electrostatic discharge testing on a payment card - Methods of performing electrostatic discharge testing on a transaction card are disclosed. A transaction card may be placed on an insulated surface. A grounding probe may be placed at a first location on the transaction card. A discharge probe may be charged to a known voltage level. The discharge probe may then be discharged at a second location on the transaction card. A discharge wave shape may be recorded from the ground probe, and one of a pass condition and a fail condition may be assigned based on at least the value of the known voltage level as compared to a reference voltage level. The first location and the second location may each be selected from a plurality of areas on the transaction card. | 09-01-2011 |
20110191155 | METHOD AND SYSTEM USING WILDCARD VALUES - A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a customer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison. | 08-04-2011 |
20110173075 | Providing an Announcement About Transactions of a Target Merchant to a Consumer - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement is formed when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 07-14-2011 |
20110161185 | METHOD AND SYSTEM FOR LOADING AND RELOADING PORTABLE CONSUMER DEVICES - A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal. | 06-30-2011 |
20110125565 | Systems and Methods for Multi-Channel Offer Redemption - In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of the user, and a portal to receive a user selection of a first portion of an advertisement and, in response, to present a user interface. The advertisement provides an offer and includes a second portion which when selected directs the user to a website of an advertiser. The data warehouse is to store data associating the offer with the account data of the user in response to a request made in the user interface. The system is to monitor transactions processed at the transaction handler to identify a purchase paid via the account and eligible for the redemption of the offer. The transaction handler is to provide statement credits to the user, if the payment transaction is identified. | 05-26-2011 |
20110093335 | Systems and Methods for Advertising Services Based on an SKU-Level Profile - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive, from users, consent data that identifies account identifiers of the users; a data warehouse to store transaction data recording the transactions and store purchase details for at least some of the transactions; and a profile generator to generate profiles based on the transaction data and the purchase details stored in the data warehouse. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the system is to use the transaction handler to request purchase details associated with the authorization request from the merchant via a response to the authorization request, and receive and store the purchase details associated with the authorization request in the data warehouse, in response to a determination that the first account identifier is associated with consent data. | 04-21-2011 |
20110093327 | Systems and Methods to Match Identifiers - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement. | 04-21-2011 |
20110093324 | Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants - In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user. | 04-21-2011 |
20110087550 | Systems and Methods to Deliver Targeted Advertisements to Audience - In one aspect, a system 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 generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user. | 04-14-2011 |
20110087546 | Systems and Methods for Anticipatory Advertisement Delivery - 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. | 04-14-2011 |
20110087531 | Systems and Methods to Aggregate Demand - In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement. | 04-14-2011 |
20110087530 | Systems and Methods to Provide Loyalty Programs - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier. | 04-14-2011 |
20110087519 | Systems and Methods for Panel Enhancement with Transaction Data - In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc. | 04-14-2011 |
20110047294 | ADAPTIVE GATEWAY FOR SWITCHING TRANSACTIONS AND DATA ON UNRELIABLE NETWORKS USING CONTEXT-BASED RULES - Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client. The rules for different available application services can be distributed across different gateways. | 02-24-2011 |
20110047072 | Systems and Methods for Propensity Analysis and Validation - 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; and a portal to receive a request from a client device over a network, the request including user data identifying at least one user. The client device has activity data recording activities of the user, and has the capability to determine from the activity data a first value for a first propensity score of the user. The computing apparatus further includes a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data. The portal is configured to provide information based on the second value in response to the request. | 02-24-2011 |
20110035288 | Systems and Methods for Targeting Offers - 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. | 02-10-2011 |
20110035280 | Systems and Methods for Targeted Advertisement Delivery - In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service. | 02-10-2011 |
20110035278 | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases - In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction. | 02-10-2011 |
20110029430 | Systems and Methods to Provide Benefits of Account Features to Account Holders - Systems and methods are provided to facilitate the sharing of 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. | 02-03-2011 |
20110029367 | Systems and Methods to Generate Transactions According to Account Features - Systems and methods are provided to facilitate the generation and notification of transactions associated with account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to store transaction data recording the transactions, account data identifying at least one account feature of an account, and 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, a notification engine to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and a portal to receive an approval of a second transaction in accordance with the offer. | 02-03-2011 |
20110022514 | Loyalty Rewards Optimization Bill Payables and Receivables Service - For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account. | 01-27-2011 |
20110004552 | METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER - A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments. | 01-06-2011 |
20110004548 | METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER - A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments. | 01-06-2011 |
20100214058 | SECURITY ACCESS METHOD AND SYSTEM - A method includes transmitting a request for authorization to enter a physical space over a payment processing network that processes financial transactions. The financial transactions are transmitted between an acquirer institution and an issuing institution via the payment processing network. A response is received, granting or denying authorization to enter the physical space from the payment processing network. | 08-26-2010 |
20100211938 | SCHEMA-BASED DYNAMIC PARSE/BUILD ENGINE FOR PARSING MULTI-FORMAT MESSAGES - 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. | 08-19-2010 |
20100179891 | NON-FINANCIAL TRANSACTIONS IN A FINANCIAL TRANSACTION NETWORK - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured for receiving a plurality of messages. The plurality of messages including financial transaction authorization messages for performing a financial transaction. At least one of the plurality of messages includes non-financial data. The processor is further configured for parsing each of the plurality of messages to identify data for performing the financial transaction and the non-financial transaction data contained in the plurality of messages, and for storing the data for performing the financial transaction and the non-financial transaction data in a computer readable storage medium such that the non-financial transaction data is associated with data for performing the financial transaction. | 07-15-2010 |
20100176193 | OPT IN SYSTEM AND METHOD - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium. | 07-15-2010 |
20100174597 | METHOD AND SYSTEM USING WILDCARD VALUES - A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a consumer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison. | 07-08-2010 |
20100083057 | SYSTEM AND METHOD FOR FILE MONITORING - A file monitoring system tracks progress of data processing of a data file. Various applications and systems transmit status updates at one or more stages of processing to the file monitoring system. The file monitoring system monitors the status updates and generates reports displaying the status of the data file at the predetermined processing states. Reports include end to end status, files received and files delivered. | 04-01-2010 |
20100077464 | MERCHANT DEVICE AND METHOD FOR SUPPORT OF MERCHANT DATA PROCESSING - A method begins by accessing a merchant web site that is associated with a merchant profile database. The method continues by receiving a log-in page. The method continues by providing log-in information of a merchant via the log-in page. The method continues, when the log-in information is confirmed, by receiving a merchant information page that contains data of a merchant profile record of the merchant profile database. The method continues by providing a response regarding the data of the merchant information page. | 03-25-2010 |
20100070354 | SYSTEM AND METHOD FOR A MERCHANT DEBIT CARD PROGRAM INCLUDING A PLURALITY OF ISSUERS - A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system. | 03-18-2010 |
20100058156 | FTP DEVICE AND METHOD FOR MERCHANT DATA PROCESSING - A method begins by receiving at least a portion of a merchant master file. The method continues, for a merchant data file, by determining whether a corresponding merchant profile record exists within a merchant profile database. The method continues, when the corresponding merchant profile record exists in the merchant profile database, by comparing the merchant data file with the corresponding merchant profile record. The method continues, when an inconsistency exists between the corresponding merchant profile record and the merchant data file, by determining status of the merchant data file with respect to the at least a portion of the merchant master file. The method continues, when the status of the merchant data file is a first status level, by generating an inconsistency message that identifies the inconsistency. | 03-04-2010 |
20100057786 | ACQUIRER DEVICE AND METHOD FOR SUPPORT OF MERCHANT DATA PROCESSING - A method begins with receiving an indication that one of a plurality of merchant data files includes an inconsistency with respect to a corresponding merchant profile record in a merchant profile database. The merchant data file of the plurality of merchant data files includes merchant name, merchant business address, and merchant business information. The method continues with receiving a request to authenticate the updating of the corresponding merchant profile record when the inconsistency for the one of the plurality of merchant data files is addressed by a merchant device updating the corresponding merchant profile record. The merchant device corresponds to a merchant of the one of the plurality of merchant data files. The method continues with providing an authentication response regarding the updating of the corresponding merchant profile record. | 03-04-2010 |
20100057742 | MRW INTERFACE AND METHOD FOR SUPPORT OF MERCHANT DATA PROCESSING - A method begins by receiving, from a requesting device, a request to access a record within an entity profile database. The method continues by authenticating the requesting device. When the requesting device is authenticated, the method continues by determining status of the requesting device. The method continues by retrieving the record from the entity profile database to produce a retrieved record. The method continues by presenting the retrieved record to the requesting device in accordance with the status of the requesting device. The method continues by receiving a data change from the requesting device. The method continues by recording the data change. The method continues by providing an updated record to the entity profile database when the data change to the record has been verified. | 03-04-2010 |
20100049620 | MERCHANT DEVICE SUPPORT OF AN INTEGRATED OFFER NETWORK - A method begins by initiating communication with a transactional processing entity device. The method continues by receiving a profile inquiry message from the transactional processing entity device. The method continues by providing a response to the profile inquiry message such that a merchant profile is generated or updated. The method continues by receiving an offer data file inquiry message from the transaction processing entity device. The method continues by providing an offer response to the offer data file inquiry message. | 02-25-2010 |
20100049589 | ISSUER DEVICE SUPPORT OF AN INTEGRATED OFFER NETWORK - A method begins by determining option criteria for a group of transactional cards. The method continues by providing the option criteria to a transactional processing entity device. The method continues by receiving, from the transaction processing entity device, a plurality of options that are in accordance with the option criteria. The method continues by processing a selection of at least one of the plurality of options to create an options data file for the group of transactional cards. The method continues by providing the options data file to the transactional processing entity device. | 02-25-2010 |
20100049588 | TRANSACTIONAL PROCESSING ENTITY DEVICE SUPPORT OF AN INTEGRATED OFFER NETWORK - A method begins by generate, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by compiling, for one of a plurality of issuer devices, an options data file for a group of credit cards based on at least one of the plurality of offer data files. The method continues by transmitting the options data file to the one of the plurality of issuer devices. The method continues by receiving, from the one of the plurality of issuer devices, at least one selection from the options data file to produce an options program file for the group of credit cards. The method continues by receiving, from a card holder device associated with one of the group of credit cards, a selection of at least one option from the options program file to produce at least one selected option. The method continues by processing transactions of the one of the group of credit cards in accordance with the at least one selected option. | 02-25-2010 |
20100048247 | CREDIT CARD IMAGING FOR MOBILE PAYMENT AND OTHER APPLICATIONS - A mobile payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit payment transaction and retrieve credit image data based on the detecting. The display module is coupled to process the credit image data into a displayed credit image. | 02-25-2010 |
20100036768 | SHARE OF WALLET BENCHMARKING - Signals are received representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions. The transactions affect one or more accounts of the customer or domestic unit at each of the plurality of financial institutions. Data are stored representing the transactions in a machine readable storage medium. At least one benchmark is computed. The benchmark is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions. Data representing the benchmark are transmitted to the first financial institution. | 02-11-2010 |
20100036758 | SYSTEM AND METHOD FOR PROCESSING FEES FOR A CARD - A processing system is operable for issuance and processing of cards with fee options applicable to a group of fee types. In one embodiment, the processing system includes a processing module, a secure card network, an issuer fee database and card account database. The card issuance database is operable to store a fee record associated with a card, wherein the fee record includes the fee options configured to apply to the group of fee types. The card account database is operable to store a card account record for the card, wherein the card account record includes a universal fee access counter for tracking parameters associated with the fee options configured to apply to the group of fee types. | 02-11-2010 |
20100030839 | NETWORK ARCHITECTURE FOR SECURE DATA COMMUNICATIONS - A network architecture includes a perimeter network connected between an internal network and an external network. The perimeter network includes one or more external edge nodes that are connected to the external network and a plurality of proxy servers that are each connected to one or more of the external edge nodes. One or more internal edge nodes are connected between the plurality of proxy servers and the internal network. The proxy servers are operable to establish a first secure connection between a destination through the external network and a second secure connection to a destination in the internal network. Each of the plurality of proxy servers provide a substantially identical identification for authentication when establishing the first and second secure connections. | 02-04-2010 |
20100019030 | SYSTEM AND METHOD FOR PROCESSING EXPIRATION DATES FOR PREPAID CARDS - A prepaid card processing system is operable for processing customized expiration dates of prepaid cards. The prepaid card processing system includes a database for storing program expiration parameters associated with an issuer prepaid card program; a set of card accounts created under the issuer prepaid card program, wherein each card account has an expiration date for a prepaid card associated with the card account; and one or more customized expiration parameters for the set of card accounts. The prepaid card processing system is operable to determine the expiration date for the prepaid card associated with the card account based on the program expiration parameters and the customized expiration parameters for the set of card accounts. | 01-28-2010 |
20090327045 | GENERATING RETAIL SALES REPORT - A computer-implemented automated method of generating a report of sales growth estimate from point of sale transaction settlement database includes selecting a subset of the point of sale transaction data that represents sales transactions for accounts in the transaction settlement database that are active during two consecutive reporting periods from the point of sale transaction settlement database. The selected subset of the point of sale transaction data is then analyzed based on a sorting category resulting in an estimate of sales growth rate over the reporting period. | 12-31-2009 |
20090313067 | SYSTEM AND METHOD FOR BUSINESS TO BUSINESS SALES AND MARKETING INTEGRATION - A system for marketing and sales in a business-to-business environment is disclosed. The system includes a close integration of sales and marketing personnel of an organization maximize awareness of the organization in the minds of prospective customers and to be considered as a possible supplier when needs arise. This integration further is utilized to enhance the organization's response to RFP's issued by prospective customers. The system is used to identify unmet customer needs and solutions, to utilize cross-functional teams to more effectively respond to RFPs, and to collaborate with the customer at all levels to achieve and maintain a positive customer experience. The system also provides a variety of consolidated information tools to sales and marketing groups to optimize all oral and written interactions with prospective customers as well as current customers. Examples of such tools include an RFP Response Wizard, a Win Improvement Toolkit, a Learning from Losses newsletter, and a Customer Experience Kit, among others. Success metrics are also used to track the effectiveness of marketing/sales efforts. | 12-17-2009 |
20090307118 | FUND ON ACTIVATION - A system and method of funding a financial transaction card, providing a financial transaction card to a user, wherein the financial transaction card has a face value and wherein an amount of funds pertaining to the face value is placed in a liability account, and wherein the financial transaction card has an actual value of zero, activating the financial transaction card by the user; and funding a funds pool for the financial transaction card with the funds from the liability account after the activation of the financial transaction card, wherein only funds from the funds pool is available for conducting a purchase. | 12-10-2009 |
20090294526 | TESTING CAPABILITY ALLOWING NEW DATA TAGS - A method of testing a payment device reader includes receiving data from the payment device reader, combining the received data with data for a first testing scenario, transmitting the combined data to a payment processor, receiving an authorization decision from the payment processor, and displaying the results of the authorization decision on a display. The first testing scenario is selected from a plurality of testing scenarios stored in the computer readable storage medium. Each of the plurality of testing scenarios includes data for emulating a device for performing a financial transaction located at one of a merchant, an acquirer, or an issuer. | 12-03-2009 |
20090144205 | SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. | 06-04-2009 |
20090144204 | MODULE ID BASED TARGETED MARKETING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 06-04-2009 |
20090144203 | SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. | 06-04-2009 |
20090144202 | MODULE ID BASED ENCRYPTION FOR FINANCIAL TRANSACTIONS - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 06-04-2009 |
20090144197 | MEDIA DEVICE PAYMENTS REMOTE CONTROL PERSONALIZATION AND PROTECTION - A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID. | 06-04-2009 |
20090112747 | System and Method For Processing Multiple Methods of Payment - Financial transaction data comprising payment on any one of multiple financial transaction types are processed with an adapter layer that receives an incoming data message relating to a financial transaction initiated by a payer and operates on the incoming data message to produce adapted data relating to the financial transaction, and a processor that receives the adapted data and determines transaction routing to direct the adapted data to a processing network module that requests authorization by an issuer, responds to authorization by initiating request for settlement and payment on the financial transaction to a transaction payee, and responds to payee query requests by providing non-payment data to an external payee. | 04-30-2009 |
20090112662 | PAYMENT ENTITY DEVICE RECONCILIATION FOR MULTIPLE PAYMENT METHODS - A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information subsequent to initiation of a payment in accordance with the payment request data. The method continues by storing the payment remittance information. The method continues by consolidating the payment remittance information and the payment request data to produce consolidated payment data. The method continues by generating at least one report based on the consolidated payment data. | 04-30-2009 |
20090112661 | PAYMENT ENTITY DEVICE TRANSACTION PROCESSING USING MULTIPLE PAYMENT METHODS - A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method of payment for an account payable of the accounts payable data file in accordance with a payables profile. The method continues with the payment entity device initiating a first type of payment for the account payable when the method of payment is a first type; initiating a second type of payment for the account payable, when the method of payment is a second type, or initiating a third type of payment for the account payable when the method of payment is a third type. | 04-30-2009 |
20090112660 | PAYMENT ENTITY FOR ACCOUNT PAYABLES PROCESSING USING MULTIPLE PAYMENT METHODS - A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to be modified based on the accounts payable data file. The method continues by determining a level of service of the client when the payables profile is not to be modified. The method continues processing payment transactions for accounts payable contained in the accounts payable data file on behalf of the client in accordance with the payables profile via a wide area network when the level of service is a first level of service. | 04-30-2009 |
20090112659 | PAYMENT ENTITY ACCOUNT SET UP FOR MULTIPLE PAYMENT METHODS - A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data, wherein, for a creditor of the plurality of creditors, the associated payment data includes at least one payment scheme for paying at least a portion of debt owed to the creditor via at least one of: a client credit card, a funds transfer, commercial paper, tangible consideration, and a debit account. The method continues with the payment entity device determining level of service for a client associated with the client device. The method continues with the payment entity device generating a payables profile for the client based on the payables process data in accordance with the level of service. | 04-30-2009 |
20090112658 | CLIENT SUPPORTED MULTIPLE PAYMENT METHODS SYSTEM - A method begins by providing at least one account level preference of a plurality of account level preferences based on a level of subscription. The method continues by receiving a selection of one of the at least one of the account level preference to produce a selected account level preference. The method continues by generating payables process data in accordance with the selected account level preference. The payables process data includes a list of a plurality of creditors and associated payment data. For a creditor of the plurality of creditors, the associated payment data includes at least one payment scheme for paying at least a portion of debt owed to the creditor via at least one of: a business credit card, a funds transfer, commercial paper, tangible consideration, and a debit account. The method continues by transmitting the payable process data to a payment entity device. | 04-30-2009 |
20090077104 | SYSTEM AND METHOD FOR SENSITIVE DATA FIELD HASHING - Data to be exchanged in a transaction is protected by using a hashing function to transform sensitive data into a scrambled form. The hashing function can use as its inputs data derived entirely or in part from portions of the data to be exchanged. The hashing function can also use as its inputs data derived entirely or in part from other locally available data. The output of the hash function is then transmitted to a destination that attempts to recreate the output of the hash function in order to validate the data transmission. | 03-19-2009 |
20090030710 | CENTRALIZED DISPUTE RESOLUTION SYSTEM FOR COMMERCIAL TRANSACTIONS - A centralized dispute resolution system for use in commercial credit or debit card transactions. The inventive system utilizes a common data storage, interfaces, processes, procedures, rules, and other elements of a dispute resolution system that are made available to cardholders, merchants, card issuers, payment processors, and other parties that may be involved in a dispute or in a process intended to resolve a dispute. The system may be implemented using a client-server architecture with communication between clients and one or more server elements provided by a communications network. | 01-29-2009 |
20080275771 | Merchant transaction based advertising - Methods and systems are disclosed for producing advertisements on a transaction record for a transaction between a consumer and a merchant involving the use of a portable consumer device such as a credit or debit card. Advertisers may specify criteria so that the advertisements are specifically targeted. | 11-06-2008 |
20080203170 | FRAUD PREVENTION FOR TRANSIT FARE COLLECTION - Processing an access transaction involves receiving application data from a portable consumer device at an agency reader for use in connection with a transaction, the application data having a predetermined data field configuration for processing the transaction by an issuer of the portable consumer device, and accessing at least one data file of the portable consumer device at the agency reader, wherein the configuration of the data file is determined by the issuer and stores agency data associated with use of the portable consumer device for the transaction. | 08-28-2008 |
20080203152 | AUTHENTICATION OF A DATA CARD USING A TRANSIT VERIFICATION VALUE - Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value wherein, with the exception of the transit verification value, the access transaction data string is substantially similar to a retail data string comprising retail data, wherein the access application data string is adapted for use with an access transaction processing system and the retail data string is adapted for use with a retail processing system. The transaction processing involves processing access transaction application data for selective authorization of the transaction. | 08-28-2008 |
20080203151 | VERIFICATION OF A PORTABLE CONSUMER DEVICE IN AN OFFLINE ENVIRONMENT - A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction. | 08-28-2008 |