公开(公告)号：US11636466B2

公开(公告)日：2023-04-25

申请号：US17453579

申请日：2021-11-04

Applicant: Mastercard International Incorporated

Inventor： Erick Andrew ,  Issidor Iliev ,  Naveen Garg

IPC: G06Q20/36 ,  G06Q20/40

Abstract: Systems, methods, apparatus, computer program code and means are provided to operate a first device to receive a coin having value from a second device while offline.

公开(公告)号：US20200327539A1

公开(公告)日：2020-10-15

申请号：US16383201

申请日：2019-04-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Erick Andrew ,  Issidor L. Iliev

IPC: G06Q20/38 ,  G06Q20/42 ,  G06Q20/02

Abstract: Systems and methods are provided for establishing fixed currency conversion rates for transactions in connection with authorization and clearing of the transactions. One exemplary method includes receiving a currency conversion request in association with an authorization request for a transaction, identifying a currency conversion rate (CCR) for the transaction based on a rate file stored in a data structure in association with an identifier for the transaction, determining a converted transaction amount based on a transaction amount included in the authorization request and the CCR, and passing the converted transaction amount to an authorization network. The method also includes receiving a conversion request in connection with clearing the transaction, retrieving the CCR from the data structure based on the identifier, and determining a clearing transaction amount based on the transaction amount as included in a clearing record and the CCR received from the data structure.

公开(公告)号：US20200342485A1

公开(公告)日：2020-10-29

申请号：US16395965

申请日：2019-04-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Issidor Iliev ,  Erick Andrew

IPC: G06Q30/02 ,  G06Q30/04

Abstract: A computer-implemented method for payment network-based cash back processing can include receiving, by processing circuitry, transaction information related to a cardholder transaction with a merchant. The processing circuitry can identify whether the transaction qualifies for a cash back offer selected from a set of one or more cash back offers. The processing circuitry can calculate a cash back amount associated with the merchant based on information contained in the merchant and offers database. The processing circuitry can calculate a cardholder billing amount, an issuer settlement amount, an acquirer settlement amount, a refund amount, and a program fee amount. The processing circuitry can generate a refund message including the refund amount to be processed to the cardholder and a fee message for fee collection. The processing circuitry can receive a program fee, receive an issuer settlement amount from an issuer, send the acquirer settlement amount to a merchant acquirer, and send the program fee amount to a third party.