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    METHODS AND SYSTEMS FOR PAYMENTS ASSURANCE
    42.
    发明申请
    METHODS AND SYSTEMS FOR PAYMENTS ASSURANCE 审中-公开

    公开(公告)号：US20180240115A1

    公开(公告)日：2018-08-23

    申请号：US15936708

    申请日：2018-03-27

    Applicant: Mastercard International Incorporated

    Inventor： Shoon Ping Wong ,  Sandeep Malhotra ,  Tadepally Venkata Seshadri ,  Chayan Hazra

    IPC: G06Q20/40

    CPC classification number: G06Q20/401 ,  G06Q20/4097

    Abstract: A remote payments assurance system includes a Proxy Service Manager Server, an Authentication Service Manager Server computer, an Acquirer Financial Institution (FI) Server computer, a payment network, and an Issuer financial institution server computer. A storage device of the Proxy Service Manager Server computer stores instructions which causes a processor to receive a consumer authentication request from a merchant device obtained during a card not present (CNP) transaction, transmit the consumer authentication request to the Authentication Service Manager Server computer, establish a secure communications channel between the Proxy Service Manager Server computer and the Authentication Service Manager Server computer, and transmit the consumer authentication request via the secure communications channel to the Authentication Service Manager Server computer. Next, the processor receives a non-repudiable one-time accountholder authentication value (“AAV”) token, transmits a payment authorization request to the Acquirer FI Server computer, receives a payment authorization message, and transmits a payment authorization message to the merchant device to complete the CNP purchase transaction.

    VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING
    43.
    发明申请
    VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING 审中-公开

    公开(公告)号：US20180089666A1

    公开(公告)日：2018-03-29

    申请号：US15829296

    申请日：2017-12-01

    Applicant: MasterCard International Incorporated

    Inventor： Patrick Killian ,  Sandeep Malhotra

    IPC: G06Q20/36 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/34

    CPC classification number: G06Q20/36 ,  G06Q20/105 ,  G06Q20/349 ,  G06Q20/351 ,  G06Q20/40

    Abstract: Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.

    Money transfer system gateway service
    46.
    发明授权
    Money transfer system gateway service 有权

    公开(公告)号：US09767442B2

    公开(公告)日：2017-09-19

    申请号：US14535698

    申请日：2014-11-07

    Applicant: MasterCard International Incorporated

    Inventor： Patrick Killian ,  Sandeep Malhotra

    IPC: G06Q40/02 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/10

    CPC classification number: G06Q20/027 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40

    Abstract: Systems and methods for person-to-person and person-to-merchant remittances from a person having a closed loop system account to merchants who are not members of the closed loop system. In an embodiment, a payment gateway computer receives a remittance transaction request from a payment services provider (PSP) computer associated with a closed-loop system, maps an alias identifier into a shadow account number assigned to the sender in an open-loop payment authorization system, determines that the alias identifier mapped into a valid shadow account number, debits a stored value account for the remittance transaction amount, credits a shadow account in the open-loop payment authorization system for the remittance transaction amount, generates an authorization request for an open-loop payment transaction and transmits it to the open-loop payment authorization system, receives an authorization response from the open-loop payment authorization system, and transmits an approval response.

    Systems and methods for use in transferring funds between payment accounts
    49.
    发明授权
    Systems and methods for use in transferring funds between payment accounts 有权

    公开(公告)号：US12299649B2

    公开(公告)日：2025-05-13

    申请号：US18605759

    申请日：2024-03-14

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

    IPC: G06Q20/10 ,  G06Q20/22 ,  G06Q20/32

    Abstract: Systems and methods are provided for facilitating fund transfers between accounts. One example method includes capturing a computer-readable indicia representative of a destination account identifier specific to a destination account of a first party and a name of the first party, and in response to the captured indicia, displaying the name of the first party, at a mobile device of the user, as a confirmation that the first party is associated with the destination account. The method also includes identifying a payment amount for a fund transfer from a source account issued by a financial institution to the destination account, based on a user input at the mobile device, and compiling and transmitting a transfer request for the fund transfer to a payment network, where the transfer request includes the destination account identifier, a source account identifier for the source account, and the identified payment amount.

    SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL
    50.
    发明申请
    SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL 有权

    公开(公告)号：US20250139597A1

    公开(公告)日：2025-05-01

    申请号：US19010548

    申请日：2025-01-06

    Applicant: Mastercard International Incorporated

    Inventor： Shanthan Subramaniam ,  Vitorino Jose Pereira Lopes ,  Sandeep Malhotra

    IPC: G06Q20/02 ,  G06Q20/20 ,  G06Q20/26 ,  G06Q20/38 ,  G06Q20/40

    Abstract: Systems and apparatus for accepting a dual function payment credential. In an embodiment, a system includes a payment card network computer, a gateway/bridge computer, and a merchant acquirer computer. A payment card network processor is operative to receive, during a payment transaction between the merchant and a customer, a transaction authorization request message including a payment token and a merchant identifier, detokenize the payment token, determine that a debit transaction option and an ACH transaction option exist for the payment token, determine an ability of the debit transaction option and the ACH transaction option to be associated with value-added services, and at least one additional factor, one of that the merchant or a party associated with the merchant elected to have the payment transaction completed via ACH transaction, and transmit the transaction authorization request message to the gateway/bridge computer for processing as an ACH transaction.

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