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    Method and system for facilitating micropayments in a financial transaction system
    11.
    发明授权
    Method and system for facilitating micropayments in a financial transaction system 有权
    促进金融交易系统中的小额支付的方法和系统

    公开(公告)号：US08712914B2

    公开(公告)日：2014-04-29

    申请号：US13741241

    申请日：2013-01-14

    Applicant: MasterCard International Incorporated

    Inventor： Garry Lyons ,  Oran Cummins ,  Donghao Huang

    IPC: G06Q20/40

    CPC classification number: G06Q20/065 ,  G06Q20/0655 ,  G06Q20/227 ,  G06Q20/29 ,  G06Q20/381

    Abstract: A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.

    Abstract translation: 用于处理帐户的系统包括被配置为存储多个帐户的数据库，所述帐户包括与消费者相关联的消费者账户以及包括与商家相关联的交易商家帐户的多个商家账户，其中至少一个帐户包括金额 与该帐户相关联的虚拟货币。 该系统还包括处理器，其被配置为处理金融交易，其中交易包括消费者和商家，是针对指定数量的虚拟货币，并且处理交易包括将指定数量的虚拟货币从消费者账户转移到 交易商户帐号。 所述处理器还被配置为处理所述至少一个帐户，其中处理所述至少一个帐户包括当所述至少一个帐户满足预定标准时将所述相关联的虚拟货币量转换为或从实际货币转换。

    Multi-merchant portal for e-commerce
    12.
    发明授权
    Multi-merchant portal for e-commerce 有权

    公开(公告)号：US11037216B2

    公开(公告)日：2021-06-15

    申请号：US15836625

    申请日：2017-12-08

    Applicant: Mastercard International Incorporated

    Inventor： Chris O'Mahony ,  Stephen Elder ,  Bryan O'Sullivan ,  Derek Humphreys ,  Alex Staveley ,  Eammon Doyle ,  Stephen Toner ,  Andrea Rizzini ,  Maurice O'Connor ,  Oran Cummins

    IPC: G06Q30/06 ,  G06Q20/32 ,  H04L29/08

    Abstract: A multi-merchant portal that enables a user to access e-commerce stores is provided. Each e-commerce store has respective merchant categories browsable by the user at a customer device through the portal, each merchant category comprising products available for purchase from a respective merchant. In response to receiving a request from the customer device to switch access of the user browsing a selected merchant category of the first merchant in a first e-commerce store, to a second e-commerce store, the portal determines a system category corresponding to the selected merchant category using mapping data mapping merchant categories to system categories and then determines a destination merchant category of the second merchant in the second e-commerce store corresponding to the determined system category using mapping data mapping the system categories to the merchant categories. The portal switches user's access to the destination merchant category in the second e-commerce store.

    Method and system for displaying product information on a consumer device
    14.
    发明授权
    Method and system for displaying product information on a consumer device 有权

    公开(公告)号：US09767500B2

    公开(公告)日：2017-09-19

    申请号：US13776810

    申请日：2013-02-26

    Applicant: MasterCard International Incorporated

    Inventor： Oran Cummins ,  Garry Lyons ,  Matthew Hopkins ,  Prashant Sharma ,  Stephen Elder ,  Stephen Whitney ,  Richard Burdett ,  Tina Doran ,  Michael Friedman

    IPC: G06Q30/06 ,  G06Q30/08

    CPC classification number: G06Q30/0623

    Abstract: A method for displaying product details on a consumer device includes: preparing digital media for display on the device; detecting whether the digital media includes at least one product available for purchase; receiving a plurality of product data sets, each set associated with a product identifier and product details for an available product, the product details including information to initiate a transaction for the product; identifying an index of products in the digital media, the index including for each product a display location and a product identification number; receiving an indication from a user identifying a selected product in the digital media based on a display location in the digital media of the product and/or selection from a listing of the product in the index; retrieving product details for the product based on the product identification number and the product identifier; and displaying the retrieved product details.

    SYSTEMS AND METHODS FOR MULTI ACCESS CHANNELS FOR AUTHENTICATION AND CONSENTS
    18.
    发明申请
    SYSTEMS AND METHODS FOR MULTI ACCESS CHANNELS FOR AUTHENTICATION AND CONSENTS 有权

    公开(公告)号：US20220108284A1

    公开(公告)日：2022-04-07

    申请号：US17490520

    申请日：2021-09-30

    Applicant: Mastercard International Incorporated

    Inventor： Adam Kenneth Hosp ,  Oran Cummins ,  Michael Hoole ,  Ahmed Hosny ,  Ishfaq Lone ,  Marco Vicente ,  Piyushkumar Kanubhai Hirpara ,  Kosta Krauth

    IPC: G06Q20/02 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/38

    Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

    Method and system for secured merchant verification
    19.
    发明授权
    Method and system for secured merchant verification 有权

    公开(公告)号：US10740757B2

    公开(公告)日：2020-08-11

    申请号：US15397926

    申请日：2017-01-04

    Applicant: Mastercard International Incorporated

    Inventor： Adam Kenneth Hosp ,  Oran Cummins

    IPC: G06Q40/04 ,  G06Q20/40 ,  G06Q20/10 ,  G06F16/22 ,  G06Q20/20 ,  G06F21/42 ,  G06Q20/42 ,  G06F21/40

    Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

    Method and system for intelligent routing of insights
    20.
    发明授权
    Method and system for intelligent routing of insights 有权

    公开(公告)号：US10657594B2

    公开(公告)日：2020-05-19

    申请号：US15386367

    申请日：2016-12-21

    Applicant: Mastercard International Incorporated

    Inventor： Adam Kenneth Hosp ,  Oran Cummins

    IPC: G06Q40/04 ,  G06Q30/02

    Abstract: A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

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