Visa International Service Association

Visa U.s.a. Inc.

Derek Vroom

Jeanette Yoder

Ryan Hagey

Michael Steven Bankston

Leigh Amaro

Mary Theresa Taylor

Daniel Eisen Fineman

Christopher Magpayo

Vaishali Rao

Ann T Wang Reed

Dirk Reinshagen

Kingdom Nwachi Iweajunwa

Somashekhar Pammar

Tarun Jain

Aman Madaan

Jagdish Chand

Venkata Sesha Rao Polavarapu

Sunil Sharma

A segmentation platform enables a system that comprises a behavior service and a predictive service for determining a segment from a dataset. The behavior service can analyze data to determine information about behavior that has already occurred. The predictive service can analyze data to determine information about the predicted propensity for certain behavior to occur in the future. In some cases, the predictive service can determine the information by utilizing a training model that indicates predictions related to potential relationships among properties of a dataset. The segmentation platform also enables an interactive user interface that can be utilized to configure attributes of the segment, analyze information associated with the segment, and deliver the information to another device.

Segmentation platform using feature and label pairs

A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party. If the third party determines that a qualifying transaction in the payment account is entitled to the benefit, the third party communicates a request, via an application programming interface (API), to a portal of the transaction handler for a credit to the payment account for the payment transaction; if the request is approved, in response, the transaction handler generates a credit transaction for the payment account.

Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits

Systems and methods for administering merchant funded third-party administered rewards programs are provided. The system receives information about a transaction made using a payment device and determines whether the payment device is enrolled in the rewards program. If the payment device is enrolled in the rewards program, the system determines if the transaction qualifies for a reward. If the transaction qualifies for the reward, the system determines a rewards value for the transaction. Thereafter, the system determines a prepaid payment token associated with the payment device and instructs an issuer of the prepaid payment token to load the rewards value onto the prepaid payment token.

Third party merchant-funded rewards accrual and redemption network

A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party. If the third party determines that a qualifying transaction in the payment account is entitled to the benefit, the third party communicates a request, via an application programming interface (API), to a portal of the transaction handler for a credit to the payment account for the payment transaction; the transaction handler confirms the validity and permissibility of the request based on a set of business rules; if the request is approved, in response, the transaction handler generates a credit transaction for the payment account using a funding source of the third party and store data associating the credit transaction with the qualifying transaction.

A computing apparatus 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.

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.

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San Mateo, CA, United States of America

Derek Vroom