公开(公告)号：US20220156730A1

公开(公告)日：2022-05-19

申请号：US17587608

申请日：2022-01-28

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

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

Abstract: Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.

公开(公告)号：US20210241248A1

公开(公告)日：2021-08-05

申请号：US17233881

申请日：2021-04-19

Applicant: MasterCard International Incorporated

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

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

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：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。