公开(公告)号：US20200097931A1

公开(公告)日：2020-03-26

申请号：US16138646

申请日：2018-09-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Yen Tran ,  Sandeep Malhotra ,  Mostafa Hussein Sabet ,  Shanthan Subramaniam

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/36

Abstract: A method includes receiving an invoice token from a merchant, where the invoice token represents an invoice for an e-commerce transaction. The invoice token is transmitted to a payment services computer to request details of the invoice. The requested invoice details are received from the payment service computer, and an account is selected to support payment for the transaction. A payment transaction is initiated to settle the e-commerce transaction based on the invoice details and the account that was selected to support the payment.

公开(公告)号：US20190156167A1

公开(公告)日：2019-05-23

申请号：US15817530

申请日：2017-11-20

Applicant: MasterCard International Incorporated

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

IPC: G06K19/06 ,  G06Q20/38

Abstract: Methods and apparatus for generating a secure QR code. In an embodiment, a directory service computer receives a secure QR code request from a merchant device that includes an acquirer financial institution (FI)-signed certificate. The directory service computer verifies the identity of a merchant, identifies a merchant identifier (ID), establishes an encrypted and Pinned SSL tunnel with the merchant device, and receives via the encrypted and Pinned SSL tunnel from the merchant device, a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID). The directory service computer then generates a Hash value, 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 data to the merchant device to conduct a purchase transaction.

公开(公告)号：US20190012645A1

公开(公告)日：2019-01-10

申请号：US16021717

申请日：2018-06-28

Applicant: Mastercard International Incorporated

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

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

Abstract: A transaction authorization request message is received. The message includes a payment token and a merchant identifier. The payment token is detokenized to detect account mapping for the payment token. From the account mapping, it is determined that a debit transaction option and an ACH (automated clearing house) transaction option exist for the payment token. A selection is made between the debit transaction option and the ACH transaction option based at least in part on the merchant identifier.

公开(公告)号：US20170262819A1

公开(公告)日：2017-09-14

申请号：US15238000

申请日：2016-08-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

IPC: G06Q20/10

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.

公开(公告)号：US20170243207A1

公开(公告)日：2017-08-24

申请号：US15047415

申请日：2016-02-18

Applicant: MasterCard International Incorporated

Inventor： Dana J. Lorberg ,  Sandeep Malhotra

IPC: G06Q20/40 ,  H04L12/721 ,  G06Q20/38

CPC classification number: G06Q20/40 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/382 ,  G06Q30/06 ,  H04L45/14

Abstract: A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. Each potential authorization route includes routing parameters and is associated with a respective transaction processing network (TPN). The MRP computing device is also configured to compare the authorization parameters to the routing parameters of each potential authorization route to determine an optimized authorization route for the authorization request message. The optimized authorization route includes routing parameters that most closely match the authorization parameters. The optimized authorization route is associated with a first TPN. The MRP computing device is further configured to route the authorization request message to the first TPN for authorization processing.

公开(公告)号：US20150235309A1

公开(公告)日：2015-08-20

申请号：US14183829

申请日：2014-02-19

Applicant: MasterCard International Incorporated

Inventor： Sandeep Malhotra ,  Rajen S. Prabhu ,  Prashant Sharma ,  Jiaming Li ,  Jie Zhang

IPC: G06Q40/02 ,  G06Q20/34

CPC classification number: G06Q40/02 ,  G06Q10/00 ,  G06Q20/34

Abstract: Methods and systems for providing business services solutions for small and medium enterprises (SMEs) owned by merchants in developed markets and in developing markets. In some embodiments, a merchant enrolls with a merchant issuer financial institution (FI) and then receives an SME financial account, a suite of shared SME business service applications, and access to a payment card acceptance service for use in setting up and scaling their business. In an implementation, the process includes receiving a request for an SME business platform, validating merchant identification data, providing an SME financial account to the merchant, transmitting an SME business platform acceptance message, and transmitting an SME business platform to the merchant device. The SME business platform includes a payment card account acceptance application and at least one business services application configured for running on the merchant device.

Abstract translation: 为发达市场和发展中市场的商家拥有的中小企业提供商业服务解决方案和系统。 在一些实施例中，商家与商业发行人金融机构（FI）注册，然后接收中小企业金融账户，一组共享的中小企业业务服务应用程序，以及访问支付卡接受服务以用于设置和扩展其业务 。 在一个实现中，该过程包括接收对SME业务平台的请求，验证商家识别数据，向商家提供SME金融账户，发送SME业务平台接受消息，以及向商家设备发送SME业务平台。 SME业务平台包括支付卡账户验收申请和至少一个业务服务应用，配置为在商家设备上运行。

公开(公告)号：US20140379578A1

公开(公告)日：2014-12-25

申请号：US14300711

申请日：2014-06-10

Applicant: MasterCard International Incorporated

Inventor： David Chan ,  Manohar Murali ,  Rajen S. Prabhu ,  Sandeep Malhotra

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/322 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/10

Abstract: A method of conducting an electronic financial transaction over a payment network on behalf of a customer is provided using a payment application stored in a mobile device of a facilitator, the method including: receiving transaction details of the electronic financial transaction in the payment application from the customer; generating a transaction request for the electronic financial transaction based on said the transaction details received; and forwarding the transaction request to a payment gateway for processing to carry out the electronic financial transaction over the payment network, the payment gateway having stored therein account details of a payment card linked to the facilitator from which funds are authorized to be deducted or to which funds are authorized to be credited based on the transaction request to pay for or receive funds from the electronic financial transaction on behalf of the customer in exchange for the facilitator receiving cash payment from or providing cash to the customer. There is also provided a system for conducting an electronic financial transaction on behalf of a customer, and a computer program product, embodied in a non-transitory computer-readable storage medium, including instructions executable by a computing processor to perform the above method.

Abstract translation: 使用存储在促进者的移动设备中的支付应用程序提供代表客户通过支付网络进行电子金融交易的方法，该方法包括：从支付应用程序中接收电子金融交易的交易细节 顾客; 基于收到的交易细节，生成电子金融交易的交易请求; 并且将所述交易请求转发到支付网关以处理以通过所述支付网络执行所述电子金融交易，所述支付网关已经存储了与授权被扣除资金的协调者相关联的支付卡的帐户细节，或者 授权基于代表客户从电子金融交易中支付或接收资金的交易请求贷记资金，以换取从客户那里获得现金或向客户提供现金的协调人。 还提供了代表客户进行电子金融交易的系统和体现在非暂时性计算机可读存储介质中的计算机程序产品，包括由计算处理器执行以执行上述方法的指令。