公开(公告)号：US20190266599A1

公开(公告)日：2019-08-29

申请号：US16287484

申请日：2019-02-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Daniel Brian O'Sullivan ,  Michael S. Ameiss

IPC: G06Q20/38 ,  G06Q20/20 ,  G06Q20/18

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, from a terminal, a request for a conversion option for a transaction to a payment account, where the request includes a transaction amount for the transaction in a first currency and an identifier associated with the payment account. The exemplary method also includes determining a charge rate for the payment account for conversion of the transaction amount to a second currency, determining the conversion option for the transaction in the second currency based on at least a conversion rate and the charge rate, and transmitting the conversion option to the terminal in response to the request.

公开(公告)号：US20210110397A1

公开(公告)日：2021-04-15

申请号：US17069475

申请日：2020-10-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Daniel Brian O'Sullivan ,  Ashfaq Kamal

IPC: G06Q20/40

Abstract: Systems, devices and methods are described herein for verifying digital identities. One exemplary method includes receiving a request for verification from a relying party where the request includes a query related to an attribute of an identity of a user and a MPAN specific to the user. The method also includes identifying at least one verification party enrolled for the user and, when the at least one verification party includes sufficient information to respond to the query, converting the MPAN to an AgencyPAN associated with the at least one verification party. The method then includes submitting the query along with the AgencyPAN to an interface processor associated with the at least one verification party, receiving a response to the query from the interface processor, and transmitting the response to the query to the relying party.

公开(公告)号：US20210097529A1

公开(公告)日：2021-04-01

申请号：US16589510

申请日：2019-10-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Daniel Brian O'Sullivan ,  Theodore Michael Black

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/10

Abstract: Systems and methods are provided for setting a fixed currency conversion rate for a transaction, as determined during authorization of the transaction. One exemplary method includes receiving a clearing file for the transaction, where the clearing file includes a clearing transaction amount based on a final transaction amount for the transaction and a clearing currency conversion rate. The method also includes determining a billing transaction amount for the transaction based on the final transaction amount and the fixed currency conversion rate, and appending the billing transaction amount to the clearing file so that a user associated with an account used in the transaction is billed based on the fixed currency conversion rate instead of the clearing currency conversion rate. The method then also includes reconciling a difference between the billing transaction amount and the clearing transaction amount with the issuer as part of settlement of funds for the transaction.

公开(公告)号：US11568395B2

公开(公告)日：2023-01-31

申请号：US16287484

申请日：2019-02-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Daniel Brian O'Sullivan ,  Michael S. Ameiss

IPC: G06Q20/38 ,  G06Q20/18 ,  G06Q20/20

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, from a terminal, a request for a conversion option for a transaction to a payment account, where the request includes a transaction amount for the transaction in a first currency and an identifier associated with the payment account. The exemplary method also includes determining a charge rate for the payment account for conversion of the transaction amount to a second currency, determining the conversion option for the transaction in the second currency based on at least a conversion rate and the charge rate, and transmitting the conversion option to the terminal in response to the request.

公开(公告)号：US20200349572A1

公开(公告)日：2020-11-05

申请号：US16864424

申请日：2020-05-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Daniel Brian O'Sullivan ,  Theodore Michael Black, JR.

IPC: G06Q20/40

Abstract: Provided herein is a method for monitoring message content processed over a payment processor for a cardholder using a rules engine computing device. The rules engine computing device is associated with the payment processor that maintains a transaction history database that includes records for a plurality of payment transactions, and each of the records including a payment account number (PAN), a merchant identifier, and a transaction amount. The method includes (i) receiving a message from a registration computing device indicating that the cardholder is enrolled in a transaction monitoring service; (ii) associating the at least one PAN with the transaction monitoring service; (iii) querying the transaction history database to retrieve records including the at least one PAN; (iv) identifying a subset of transactions from the retrieved records; and (v) transmitting a list of the identified subset of transactions to at least one of the cardholder and the registration computing device.