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    PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM
    12.
    发明申请
    PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM 审中-公开
    付款服务提供者与个人化付款系统相关的方法

    公开(公告)号：US20140032381A1

    公开(公告)日：2014-01-30

    申请号：US14039180

    申请日：2013-09-27

    Applicant: MasterCard International Incorporated

    Inventor： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Ping Wong ,  Dana Lorberg

    IPC: G06Q40/00

    CPC classification number: G06Q40/12 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10

    Abstract: A method includes a processor receiving transaction information from a merchant device, which includes a transaction amount, merchant identifying information and customer addressing information. The processer transmits the merchant identifying information to a customer mobile device, and receives a payment transaction request to transfer funds from a customer account to a merchant. The processor translates the customer addressing information into a customer payment card account number, and the merchant identifying information into a merchant payment card account number. The processor then transmits the payment transaction request to the customer's issuer financial institution, which request includes the customer payment card account number, the transaction amount, and the merchant payment card account number.

    Abstract translation: 一种方法包括处理器，其接收来自商家设备的交易信息，其包括交易金额，商家识别信息和客户寻址信息。 处理者将商家识别信息发送给客户移动装置，并且接收到从客户帐户向商家转移资金的支付交易请求。 处理器将客户寻址信息转换成客户支付卡帐号，商家将信息识别为商家支付卡帐号。 然后，处理器将支付交易请求发送给客户的发行人金融机构，该请求包括客户支付卡帐号，交易金额和商家支付卡帐号。

    MULTIPLE SETTLEMENT OPTIONS IN PAYMENT SYSTEM
    13.
    发明申请
    MULTIPLE SETTLEMENT OPTIONS IN PAYMENT SYSTEM 有权

    公开(公告)号：US20250124421A1

    公开(公告)日：2025-04-17

    申请号：US18999355

    申请日：2024-12-23

    Applicant: Mastercard International Incorporated

    Inventor： Shanthan Subramaniam ,  Sandeep Malhotra ,  Suman Rausaria

    IPC: G06Q20/22 ,  G06Q20/02 ,  G06Q20/38

    Abstract: Systems and apparatus for providing merchants with real-time funds availability for payment card account system transactions. In an embodiment, the system includes a bridging network computer having a processor operably coupled to a storage device and to a communication device, a payment network, a merchant acquirer bank computer, and a plurality of issuer bank computers. The storage device of the bridging network computer stores instructions which when executed cause the processor to receive a payment card account system transaction request, determine that the merchant selected electronic funds transfer (EFT) settlement for the accepted payment card account transaction, determine that the payment card account transaction is eligible for real-time EFT settlement, determine that both the merchant acquirer bank and an issuer are participants in a real-time EFT settlement arrangement, and then transmit instructions to an issuer bank computer to credit a holding account and to execute via an EFT transaction request a transfer of funds in real-time for the transaction amount to the merchant acquirer bank.

    FACILITATION OF REAL-TIME PAYMENT NETWORK TRANSACTIONS
    15.
    发明申请
    FACILITATION OF REAL-TIME PAYMENT NETWORK TRANSACTIONS 审中-公开

    公开(公告)号：US20200327543A1

    公开(公告)日：2020-10-15

    申请号：US16380044

    申请日：2019-04-10

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Irina Singh ,  Shanthan Subramaniam ,  Sandeep Malhotra

    IPC: G06Q20/40 ,  G06Q20/10

    Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

    Secure QR code service
    16.
    发明授权
    Secure QR code service 有权

    公开(公告)号：US10762406B2

    公开(公告)日：2020-09-01

    申请号：US16567439

    申请日：2019-09-11

    Applicant: Mastercard International Incorporated

    Inventor： Irina Singh ,  Suman Rausaria ,  Shanthan Subramaniam ,  Sandeep Malhotra

    IPC: G06K19/06 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q20/20

    Abstract: Methods and apparatus for generating a secure QR code for use in a purchase transaction. In an embodiment, a directory service computer verifies the identity of a merchant by matching an acquirer financial institution (FI)-signed certificate and a stored certificate, wherein the acquirer FI-signed certificate was received from a merchant device along with a secure QR code request. The directory service computer then establishes an encrypted and Pinned SSL tunnel with the merchant device, receives a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID), updates an application transaction count (ATC) associated with the merchant, and generates and stores a secure one-way Hash value, generated by using a merchant identifier (ID), the transaction amount, the ATC, the UUID, and the transaction ID. The directory service computer next generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code to the merchant device for use in conducting a purchase transaction.

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