公开(公告)号：US20160189130A1

公开(公告)日：2016-06-30

申请号：US15064429

申请日：2016-03-08

Applicant: MasterCard International Incorporated

Inventor： David C. Brown ,  Simon Blythe ,  Deborah M. Kimberg ,  Mostafa Hussein Sabet

IPC: G06Q20/32

CPC classification number: G06Q20/322 ,  G06Q20/20 ,  G06Q20/347

Abstract: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

Abstract translation: 提供了一种用于将交易卡数据波形传输到商户销售点设备的装置和方法。 该装置包括用于存储数据的存储装置，处理器和发射器。 该设备被编程为接收模拟存储在与交易卡相关联的磁条中的数据的交易卡数据，将交易卡数据转换为第一数据文件以存储在存储器设备内，将第一数据文件发送到发送器，以及 将第一波形从发射机发射到POS设备，其中第一波形包括表示交易卡数据的磁场的变化。

公开(公告)号：US20130282565A1

公开(公告)日：2013-10-24

申请号：US13865838

申请日：2013-04-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deborah Barta ,  David C. Brown ,  Adam K. Hosp ,  Matthew Wickman ,  Joshua G. Monroe

IPC: G06Q20/38

CPC classification number: G06Q20/38 ,  G06Q20/12 ,  G06Q20/34

Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

Abstract translation: 描述了使用耦合到存储器件的计算设备来管理商家的支付交易的方法和系统。 每笔交易由使用支付卡的消费者发起。 该方法包括：接收来自候选商家的登记请求，用于注册在管理器模块内，其中所述注册请求包括与所述候选商家相关联的注册数据，使用所述注册数据中的至少一些来执行主批准过程，以及发送帐户请求消息 要求经批准后向收购银行开立候选商家的商户账号。 所述方法还包括：通过次级批准过程批准时，实时地从所述采集银行接收与所述候选商家相关联的商家帐户数据，其中所述候选商家在所述二级批准时成为注册商家。 该方法还包括管理由注册的商家提交的第一支付交易。

公开(公告)号：US20250086605A1

公开(公告)日：2025-03-13

申请号：US18908462

申请日：2024-10-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： David C. Brown ,  Simon Blythe ,  Deborah M. Kimberg ,  Mostafa Hussein Sabet

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/34

Abstract: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

公开(公告)号：US20230360016A1

公开(公告)日：2023-11-09

申请号：US18222909

申请日：2023-07-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： David C. Brown ,  Simon Blythe ,  Deborah M. Kimberg ,  Mostafa Hussein Sabet

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/34

CPC classification number: G06Q20/322 ,  G06Q20/20 ,  G06Q20/347

Abstract: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

公开(公告)号：US20220391881A1

公开(公告)日：2022-12-08

申请号：US17887107

申请日：2022-08-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deborah Barta ,  David C. Brown ,  Adam K. Hosp ,  Matthew Wickman ,  Joshua G. Monroe

IPC: G06Q20/34 ,  G06Q20/12

Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

公开(公告)号：US10096050B2

公开(公告)日：2018-10-09

申请号：US14820781

申请日：2015-08-07

Applicant: MasterCard International Incorporated

Inventor： Kimberly Purcell ,  Adam K. Hosp ,  Malavika Singh ,  David C. Brown

IPC: G06Q30/06 ,  G06Q20/12 ,  H04L12/18 ,  H04L12/58

Abstract: A computer implemented method for managing a group chat during an ecommerce session is provided. The method includes initiating a chat session between at least a first client computer device associated with a first participant and a second client computer device associated with a second participant, and sharing at least one view of an ecommerce website with the first client computer device and the second client computer device. The first client computer device and the second client computer device are configured to display the at least one view of the ecommerce website. The at least one view includes at least one purchasable item. The method also includes initiating a purchase transaction for the at least one purchasable item included in the at least one view, receiving payment information for the purchase transaction, and completing the purchase transaction based on the payment information.

公开(公告)号：US11416845B2

公开(公告)日：2022-08-16

申请号：US16697759

申请日：2019-11-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deborah Barta ,  David C. Brown ,  Adam K. Hosp ,  Matthew Wickman ,  Joshua G. Monroe

IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q20/12

Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

公开(公告)号：US10127543B2

公开(公告)日：2018-11-13

申请号：US15647113

申请日：2017-07-11

Applicant: MasterCard International Incorporated

Inventor： David C. Brown ,  Simon Blythe ,  Deborah M. Kimberg ,  Mostafa Hussein Sabet

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/34

Abstract: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

公开(公告)号：US20160042420A1

公开(公告)日：2016-02-11

申请号：US14820781

申请日：2015-08-07

Applicant: MasterCard International Incorporated

Inventor： Kimberly Purcell ,  Adam K. Hosp ,  Malavika Singh ,  David C. Brown

IPC: G06Q30/06 ,  H04L12/58 ,  G06Q20/10

CPC classification number: G06Q30/0613 ,  G06Q20/12 ,  G06Q30/0605 ,  G06Q30/0617 ,  G06Q30/0619 ,  G06Q30/0641 ,  G06Q30/0643 ,  H04L12/1813 ,  H04L12/1822 ,  H04L12/185 ,  H04L51/10

Abstract: A computer implemented method for managing a group chat during an ecommerce session is provided. The method includes initiating a chat session between at least a first client computer device associated with a first participant and a second client computer device associated with a second participant, and sharing at least one view of an ecommerce website with the first client computer device and the second client computer device. The first client computer device and the second client computer device are configured to display the at least one view of the ecommerce website. The at least one view includes at least one purchasable item. The method also includes initiating a purchase transaction for the at least one purchasable item included in the at least one view, receiving payment information for the purchase transaction, and completing the purchase transaction based on the payment information.

Abstract translation: 提供了一种用于在电子商务会话期间管理组聊天的计算机实现的方法。 该方法包括在至少与第一参与者相关联的第一客户端计算机设备和与第二参与者相关联的第二客户端计算机设备之间发起聊天会话，以及与第一客户端计算机设备共享电子商务网站的至少一个视图，以及 第二客户端计算机设备。 第一客户端计算机设备和第二客户端计算机设备被配置为显示电子商务网站的至少一个视图。 至少一个视图包括至少一个可购买的项目。 该方法还包括启动包含在至少一个视图中的至少一个可购买项目的购买交易，接收购买交易的支付信息，以及基于支付信息完成购买交易。

公开(公告)号：US20150248655A1

公开(公告)日：2015-09-03

申请号：US14698657

申请日：2015-04-28

Applicant: MasterCard International Incorporated

Inventor： David C. Brown ,  Simon Blythe ,  Deborah M. Kimberg ,  Mostafa Hussein Sabet

IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/34

CPC classification number: G06Q20/322 ,  G06Q20/20 ,  G06Q20/347

Abstract: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

Abstract translation: 提供了一种用于将交易卡数据波形传输到商户销售点设备的装置和方法。 该装置包括用于存储数据的存储装置，处理器和发射器。 该设备被编程为接收模拟存储在与交易卡相关联的磁条中的数据的交易卡数据，将交易卡数据转换为第一数据文件以存储在存储器设备内，将第一数据文件发送到发送器，以及 将第一波形从发射机发射到POS设备，其中第一波形包括表示交易卡数据的磁场的变化。