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    RECEIPT PROCESSING AND ACCESS SERVICE
    55.
    发明申请
    RECEIPT PROCESSING AND ACCESS SERVICE 审中-公开

    公开(公告)号：US20160117895A1

    公开(公告)日：2016-04-28

    申请号：US14808261

    申请日：2015-07-24

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips ,  James J. Anderson ,  Oran Cummins

    IPC: G07G5/00 ,  G06Q20/32

    Abstract: A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

    METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE
    56.
    发明申请
    METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE 审中-公开
    支付移动移动设备风险管理方法

    公开(公告)号：US20160104147A1

    公开(公告)日：2016-04-14

    申请号：US14973215

    申请日：2015-12-17

    Applicant: MasterCard International Incorporated

    Inventor： Patrick Mestré ,  Cristian Radu ,  Paul Vanneste ,  Simon Phillips ,  Ronald D. Carter

    IPC: G06Q20/32 ,  G06Q20/38 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/34

    CPC classification number: G06Q20/3278 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/3433 ,  G06Q20/349 ,  G06Q20/381 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4016 ,  G06Q20/409 ,  G07F7/1025

    Abstract: A payment-enabled mobile device such as a “smart phone” incorporates risk management features applicable when used for a contactless payment transactions. In some embodiments, a mobile device processor includes a non-volatile memory storing a first counter and an associated first accumulator used for financial risk management purposes, and storing a second counter and an associated second accumulator used for enforcing a cardholder verification requirement, and storing a payment application program. In some embodiments, features govern when cardholder verification is required for consummation of the current transaction, and such features may be configurable by the payment card account issuer and/or the user of the mobile device.

    Abstract translation: 支付支付的移动设备（例如“智能电话”）包含用于非接触式支付交易时适用的风险管理功能。 在一些实施例中，移动设备处理器包括存储用于财务风险管理目的的第一计数器和相关联的第一累加器的非易失性存储器，以及存储用于执行持卡人验证要求的第二计数器和相关联的第二累加器，以及存储 付款申请程序。 在一些实施例中，当需要持卡人验证以完成当前事务时，特征控制，并且这些特征可以由支付卡帐户发行者和/或移动设备的用户来配置。

    METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE
    57.
    发明申请
    METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE 审中-公开
    支付移动移动设备风险管理方法

    公开(公告)号：US20140209672A1

    公开(公告)日：2014-07-31

    申请号：US14227433

    申请日：2014-03-27

    Applicant: MasterCard International Incorporated

    Inventor： Patrick Mestré ,  Cristian Radu ,  Patrik Smets ,  Simon Phillips ,  Ronald D. Carter

    IPC: G06Q20/16

    CPC classification number: G06Q20/3278 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/3433 ,  G06Q20/349 ,  G06Q20/381 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4016 ,  G06Q20/409 ,  G07F7/1025

    Abstract: A payment-enabled mobile device receives, during a first tap of the mobile device on a proximity reader component of a point of sale (POS) terminal, first transaction context data for a current transaction, and receives during a second tap of the mobile device on the proximity reader component, second transaction context data for the current transaction. When the mobile device determines that the second tap is for the same transaction as the first tap, and that one of a customer verification method (CVM) status or a user acknowledgment status flag has been set, then it transmits a payment card account number to the POS terminal to consummate the transaction.

    Abstract translation: 支付支付的移动设备在移动设备的第一次点击在销售点（POS）终端的接近读取器组件上接收用于当前事务的第一交易上下文数据，并且在移动设备的第二抽头期间接收 在接近读取器组件上，用于当前事务的第二事务上下文数据。 当移动设备确定第二分接头是与第一分接头相同的交易，并且客户验证方法（CVM）状态或用户确认状态标志中的一个被设置时，它将支付卡帐号发送到 POS终端完成交易。

    METHODS AND SYSTEMS FOR CONDUCTING REMOTE POINT OF SALE TRANSACTIONS
    59.
    发明申请
    METHODS AND SYSTEMS FOR CONDUCTING REMOTE POINT OF SALE TRANSACTIONS 审中-公开
    导致销售交易的远程点的方法和系统

    公开(公告)号：US20140101036A1

    公开(公告)日：2014-04-10

    申请号：US14050974

    申请日：2013-10-10

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips ,  Mehdi Collinge ,  Jonathan James Main

    IPC: G06Q20/32 ,  G06Q20/38 ,  G06Q20/10

    CPC classification number: G06Q20/322 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/3227 ,  G06Q20/3229 ,  G06Q20/3276 ,  G06Q20/38 ,  G06Q20/4012 ,  G06Q20/425

    Abstract: Systems, methods, apparatus and computer program code are provided for operating a mobile device to conduct a transaction which include obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant, extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by the payment gateway identifier, receiving, from the payment gateway, item data associated with the transaction, the item data obtained by the payment gateway from the merchant, and receiving, from a user operating the mobile device, a confirmation to complete the transaction using a payment account associated with the user and transmitting the confirmation to the payment gateway with payment account credentials associated with the payment account.

    Abstract translation: 提供了系统，方法，装置和计算机程序代码，用于操作移动设备进行交易，其包括由操作移动支付应用的移动设备从商家获取交易有效载荷，从交易有效载荷中提取支付网关标识符 以及与所述支付网关标识符识别的支付网关建立安全通信信道，从所述支付网关接收与所述交易相关联的项目数据，由所述支付网关从所述商家获得的所述项目数据，以及从用户操作 所述移动设备使用与所述用户相关联的支付账户来完成所述交易的确认，并且使用与所述支付账户相关联的支付帐户凭证将所述确认发送到所述支付网关。

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