公开(公告)号：US10984401B2

公开(公告)日：2021-04-20

申请号：US16379998

申请日：2019-04-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jason J. Lacoss-Arnold ,  Chandrasekkar Rao Nadella ,  Jeffrey J. Altemueller ,  Ganesh L. Iyer

IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/36

Abstract: A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal. The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.

公开(公告)号：US10380586B2

公开(公告)日：2019-08-13

申请号：US14924220

申请日：2015-10-27

Applicant: MasterCard International Incorporated

Inventor： Vincent Alain Rene Haulotte ,  Ganesh L. Iyer ,  Srinivasarao Nidamanuri

IPC: G06Q20/40 ,  G06Q20/36 ,  G06Q20/22

Abstract: Embodiments of the disclosure enable a user to manage funds for financial transactions. In some embodiments, a request for authorization of a financial transaction associated with one or more factors including a transaction amount is received from a financial transaction processing computing device, a first purse associated with a cardholder account that is associated with one or more purses is identified based on the one or more first factors, a plurality of parameters associated with the first purse including a first purse priority and a first purse balance are identified, the first purse balance is compared with the transaction amount to determine a difference between the first purse balance and the transaction amount, and it is determined whether to approve the request for authorization based on the first purse priority and the difference between the first purse balance and the transaction amount.

公开(公告)号：US20170316388A1

公开(公告)日：2017-11-02

申请号：US15335657

申请日：2016-10-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ganesh L. Iyer ,  Debra Meade ,  Leslie Chrapek ,  Srinivasarao Nidamanuri ,  Christopher W. Jennings ,  Pamela Rabaino ,  Ellen Vlaytchev ,  Sudheer Nandhi

IPC: G06Q20/02 ,  G06Q20/40

CPC classification number: G06Q20/023 ,  G06Q20/4016 ,  G06Q20/405

Abstract: Systems and methods are provided for use in evaluating automated clearing house (ACH) transactions, in connection with determining whether to post or return the transactions. One exemplary method includes receiving, at a computing device, a batch file including multiple ACH transactions and segregating, by the computing device, each of the ACH transactions. The method then includes, for each of the multiple segregated transactions, evaluating the transaction, by the computing device, relative to a first rule and directing, by the computing device, the transaction to a workbasket for human review when the transaction violates the first rule whereby the ACH transaction is submitted for human review rather than returning the ACH transaction upon the violation of the first rule.

公开(公告)号：US20160260097A1

公开(公告)日：2016-09-08

申请号：US14641101

申请日：2015-03-06

Applicant: MasterCard International Incorporated

Inventor： Chandrasekhar Rao Nadella ,  Jason J. Lacoss-Arnold ,  Jeffrey L. Altemueller ,  Ganesh L. Iyer

IPC: G06Q20/40 ,  G06Q20/36

CPC classification number: G06Q20/405 ,  G06Q20/36 ,  G06Q20/401

Abstract: At the point of sale, a user of a payment-enabled mobile device opens a wallet application program and selects a payment account for use in a purchase transaction. The user is prompted to select a sub-account from among a number of sub-accounts associated with the selected payment account. The user selects one of the sub-accounts, and the transaction is ultimately assigned to the selected sub-account by the account issuer. Assignment of transactions to sub-accounts is reflected in payment account statements rendered to the user by the account issuer.

Abstract translation: 在销售点，支付支付的移动设备的用户打开钱包应用程序并选择用于购买交易的支付账户。 提示用户从与所选择的支付帐户相关联的多个子帐户中选择子帐户。 用户选择一个子账户，并且该交易最终由账户发行者分配给所选择的子账户。 将交易分配给子帐户反映在帐户发行人向用户提交的付款帐户对帐单中。

公开(公告)号：US20160260079A1

公开(公告)日：2016-09-08

申请号：US14641011

申请日：2015-03-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jason J. Lacoss-Arnold ,  Chandrasekkar Rao Nadella ,  Jeffrey L. Altemueller ,  Ganesh L. Iyer

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/36 ,  G06Q20/20

CPC classification number: G06Q20/20 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/385

Abstract: A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.

Abstract translation: 支付支付的移动设备被放置在与POS（销售点）终端进行通信以促进购买交易。 用户在支付支付的移动设备中选择支付帐户。 支付凭证从支付支付的移动设备发送到POS终端。支付凭证包括标识所选择的支付账户的发行者的PAN长度标识符。