公开(公告)号：US20130282565A1

公开(公告)日：2013-10-24

申请号：US13865838

申请日：2013-04-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

IPC: G06Q20/38

CPC classification number: 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.

Abstract translation: 描述了使用耦合到存储器件的计算设备来管理商家的支付交易的方法和系统。 每笔交易由使用支付卡的消费者发起。 该方法包括：接收来自候选商家的登记请求，用于注册在管理器模块内，其中所述注册请求包括与所述候选商家相关联的注册数据，使用所述注册数据中的至少一些来执行主批准过程，以及发送帐户请求消息 要求经批准后向收购银行开立候选商家的商户账号。 所述方法还包括：通过次级批准过程批准时，实时地从所述采集银行接收与所述候选商家相关联的商家帐户数据，其中所述候选商家在所述二级批准时成为注册商家。 该方法还包括管理由注册的商家提交的第一支付交易。

公开(公告)号：US11416845B2

公开(公告)日：2022-08-16

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 ,  G06Q20/34 ,  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.

公开(公告)号：US20220391881A1

公开(公告)日：2022-12-08

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: G06Q20/34 ,  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.

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.

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.

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.