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    Refunding real-time payment transaction via payment card network messaging and settlement
    52.
    发明授权
    Refunding real-time payment transaction via payment card network messaging and settlement 有权

    公开(公告)号：US12169840B2

    公开(公告)日：2024-12-17

    申请号：US17844979

    申请日：2022-06-21

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Irina Singh ,  Sandeep Malhotra ,  Suman Rausaria

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/26 ,  G06Q20/34

    Abstract: Methods and systems for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network. In an embodiment, a supplemental payment services computer receives a refund request including a transaction reference and a token concerning a payment transaction between a merchant and a customer, determines that the payment transaction was effected in a real-time payment network, determines an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token, transmits the refund request to the issuer FI computer, receives a favorable authorization response and transmits the authorization response to an acquirer FI computer associated with the merchant. The supplemental payment services computer also transmits a payment card network funds transfer credit message directing the issuer FI to credit the refund amount to the customer account and transmits a payment card network funds transfer debit message directing the acquirer FI to debit the refund amount from an account of the merchant to the acquirer FI computer. Next, the refund amount from the acquirer FI computer to the issuer FI computer is settled via a payment card account network settlement system computer.

    Systems and methods for use in transferring funds between payment accounts
    53.
    发明授权
    Systems and methods for use in transferring funds between payment accounts 有权

    公开(公告)号：US11948133B2

    公开(公告)日：2024-04-02

    申请号：US17739736

    申请日：2022-05-09

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

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

    CPC classification number: G06Q20/10 ,  G06Q20/223 ,  G06Q20/3274 ,  G06Q20/3276

    Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary 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 associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

    SYSTEMS AND METHODS FOR USE IN BINDING INTERNET OF THINGS DEVICES WITH IDENTITIES ASSOCIATED WITH USERS
    57.
    发明申请
    SYSTEMS AND METHODS FOR USE IN BINDING INTERNET OF THINGS DEVICES WITH IDENTITIES ASSOCIATED WITH USERS 有权

    公开(公告)号：US20210021589A1

    公开(公告)日：2021-01-21

    申请号：US16513552

    申请日：2019-07-16

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Rajat Maheshwari ,  Prashant Sharma

    IPC: H04L29/06

    Abstract: Systems and methods are provided for binding an IoT device with an identity of a user, whereby action by the IoT device may be attributed to the user. One exemplary method includes receiving identifying data for a user, transmitting an OTP to the user, and receiving an OTP from the user. When the received OTP matches the transmitted OTP, the method includes compiling an identity for the user based on the identifying data, receiving an IoT device ID associated with an IoT device, and appending the IoT device ID to the identity of the user. The method further includes seeking authentication of the user at a communication device of the user, in response to a request indicator from the IoT device, and providing to the IoT device, in response, a confirmation of authentication of the user and/or a portion of the identifying data from the stored identity of the user.

    Systems and methods for use in transferring funds between payment accounts
    59.
    发明授权
    Systems and methods for use in transferring funds between payment accounts 有权

    公开(公告)号：US10740735B2

    公开(公告)日：2020-08-11

    申请号：US15238000

    申请日：2016-08-16

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

    IPC: G06Q20/00 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/22

    Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts, based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing, by a computing device, at least one symbol representative of a destination account identifier associated with the destination account and identifying, by the computing device, a source account. The method further includes receiving, by the computing device, at least one payment parameter and causing, by the computing device, a fund transfer transaction based on the destination account identifier, the source account identifier, and the at least one payment parameter, whereby a payment from the source account to the destination account is initiated.

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