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    Systems and methods for managing transactions for a merchant
    2.
    发明授权
    Systems and methods for managing transactions for a merchant 有权

    公开(公告)号：US11907930B2

    公开(公告)日：2024-02-20

    申请号：US17887107

    申请日：2022-08-12

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Deborah Barta ,  David C. Brown ,  Adam K. Hosp ,  Matthew Wickman ,  Joshua G. Monroe

    IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q20/12

    CPC classification number: G06Q20/34 ,  G06Q20/12

    Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

    SYSTEMS AND METHODS FOR MANAGING TRANSACTIONS FOR A MERCHANT
    3.
    发明申请
    SYSTEMS AND METHODS FOR MANAGING TRANSACTIONS FOR A MERCHANT 有权

    公开(公告)号：US20210090073A9

    公开(公告)日：2021-03-25

    申请号：US16697759

    申请日：2019-11-27

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Deborah Barta ,  David C. Brown ,  Adam K. Hosp ,  Matthew Wickman ,  Joshua G. Monroe

    IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/34

    Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

    SYSTEMS AND METHODS FOR MANAGING TRANSACTIONS FOR A MERCHANT
    4.
    发明申请
    SYSTEMS AND METHODS FOR MANAGING TRANSACTIONS FOR A MERCHANT 审中-公开

    公开(公告)号：US20200097954A1

    公开(公告)日：2020-03-26

    申请号：US16697759

    申请日：2019-11-27

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Deborah Barta ,  David C. Brown ,  Adam K. Hosp ,  Matthew Wickman ,  Joshua G. Monroe

    IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/34

    Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

    SYSTEMS AND METHODS FOR MANAGING FINANCIAL PAYMENTS BETWEEN PARTIES
    6.
    发明申请
    SYSTEMS AND METHODS FOR MANAGING FINANCIAL PAYMENTS BETWEEN PARTIES 审中-公开
    管理双方之间财务付款的制度和方法

    公开(公告)号：US20160342962A1

    公开(公告)日：2016-11-24

    申请号：US14717875

    申请日：2015-05-20

    Applicant: MasterCard International Incorporated ,  Bank of America Corporation

    Inventor： David C. Brown ,  Adam K. Hosp ,  Victor Lopes ,  Peter John Bertanzetti ,  David M. Grigg

    IPC: G06Q20/10 ,  G06Q20/40

    CPC classification number: G06Q20/10 ,  G06Q20/3821

    Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.

    Abstract translation: 提供了一种用于管理使用电子支付计算设备的各方之间的财务支付的计算机实现的方法。 该方法包括从收款人计算设备接收收款人借记帐户标识符，与收款人借记帐户相关联的收款人借记帐户标识符; 使用所述收款人借记帐户识别符创建收款人用户账户，其中所述收款人用户账户与所述收款人借记帐户相关联; 从收款人计算设备接收从付款人请求付款的第一付款请求; 生成用于访问与第一支付请求相关联的支付页面的唯一链接; 向支付者计算设备发送第二支付请求，其中所述第二支付请求包括唯一链接; 从付款人计算设备接收授权从付款人借记帐户向收款人付款的付款响应; 并促使资金从支付者借记科目转入收款人借记科目。

    Systems and methods for managing financial payments between parties
    8.
    发明授权
    Systems and methods for managing financial payments between parties 有权

    公开(公告)号：US10600039B2

    公开(公告)日：2020-03-24

    申请号：US14717875

    申请日：2015-05-20

    Applicant: MasterCard International Incorporated ,  Bank of America Corporation

    Inventor： David C. Brown ,  Adam K. Hosp ,  Victor Lopes ,  Peter John Bertanzetti ,  David M. Grigg

    IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q40/00

    Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.

    Systems and methods for transmitting magnetic stripe data
    9.
    发明授权
    Systems and methods for transmitting magnetic stripe data 有权
    用于传输磁条数据的系统和方法

    公开(公告)号：US09305294B2

    公开(公告)日：2016-04-05

    申请号：US14698657

    申请日：2015-04-28

    Applicant: MasterCard International Incorporated

    Inventor： David C. Brown ,  Simon Blythe ,  Deborah M. Kimberg ,  Mostafa Hussein Sabet

    IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/34

    CPC classification number: G06Q20/322 ,  G06Q20/20 ,  G06Q20/347

    Abstract: A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

    Abstract translation: 提供了一种用于将交易卡数据波形传输到商户销售点设备的装置和方法。 该装置包括用于存储数据的存储装置，处理器和发射器。 该设备被编程为接收模拟存储在与交易卡相关联的磁条中的数据的交易卡数据，将交易卡数据转换为第一数据文件以存储在存储器设备内，将第一数据文件发送到发送器，以及 将第一波形从发射机发射到POS设备，其中第一波形包括表示交易卡数据的磁场的变化。

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