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    Systems and methods for communicating with a magnetic reader head
    3.
    发明授权
    Systems and methods for communicating with a magnetic reader head 有权

    公开(公告)号：US10127543B2

    公开(公告)日：2018-11-13

    申请号：US15647113

    申请日：2017-07-11

    Applicant: MasterCard International Incorporated

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

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

    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.

    SYSTEMS AND METHODS FOR TRANSMITTING MAGNETIC STRIPE DATA
    4.
    发明申请
    SYSTEMS AND METHODS FOR TRANSMITTING MAGNETIC STRIPE DATA 有权
    用于发送磁条数据的系统和方法

    公开(公告)号：US20150248655A1

    公开(公告)日：2015-09-03

    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。

    SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD
    6.
    发明申请
    SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD 有权
    用磁通读写头通讯的系统和方法

    公开(公告)号：US20160189130A1

    公开(公告)日：2016-06-30

    申请号：US15064429

    申请日：2016-03-08

    Applicant: MasterCard International Incorporated

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

    IPC: G06Q20/32

    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。

    APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR MOBILE OPEN PAYMENT NETWORK
    7.
    发明申请
    APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR MOBILE OPEN PAYMENT NETWORK 审中-公开
    手机开放付款网络的设备，方法和计算机程序产品

    公开(公告)号：US20150363762A1

    公开(公告)日：2015-12-17

    申请号：US14731566

    申请日：2015-06-05

    Applicant: MasterCard International Incorporated

    Inventor： Deborah M. Kimberg

    IPC: G06Q20/32 ,  G06Q20/10

    CPC classification number: G06Q20/322 ,  G06Q20/202 ,  G06Q20/204

    Abstract: An electronic system for mobile open payments obtains, from a first mobile telephony provider entity, first merchant registration information; and assigns a unique merchant identifier to identify the first merchant. The system obtains, from a second mobile telephony provider entity, a query, initiated based on a payment instruction from a customer of the first merchant and the second mobile telephony provider entity instructing the first merchant to be paid a certain amount. The query includes the unique merchant identifier of the first merchant. The system looks up in a database, via a query on the unique merchant identifier, at least a portion of the first merchant registration information; and provides, to the second mobile telephony provider entity, at least the portion of the first merchant registration information. This facilitates real-time payment to the merchant, who receives a notification of payment and releases goods or services.

    Abstract translation: 用于移动开放式支付的电子系统从第一移动电话提供商实体获得第一商户注册信息; 并且分配唯一的商家标识符来识别第一商家。 该系统从第二移动电话提供商实体获得基于来自第一商家的客户的支付指令发起的查询，以及指示第一商家被支付一定数量的第二移动电话提供商实体。 该查询包括第一商家的唯一商家标识符。 系统通过关于唯一商家标识符的查询来查询数据库中至少一部分第一商户登记信息; 并向第二移动电话提供商实体提供至少第一商户注册信息的一部分。 这有助于向收到付款通知并发布商品或服务的商家实时支付。

    SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD
    8.
    发明申请
    SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD 有权

    公开(公告)号：US20250086605A1

    公开(公告)日：2025-03-13

    申请号：US18908462

    申请日：2024-10-07

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

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

    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.

    Transmitting disbursements from a commercial financial account
    10.
    发明授权
    Transmitting disbursements from a commercial financial account 有权

    公开(公告)号：US10380587B2

    公开(公告)日：2019-08-13

    申请号：US15050963

    申请日：2016-02-23

    Applicant: MasterCard International Incorporated

    Inventor： Deborah M. Kimberg ,  Shari Krikorian ,  Rodney A. Robinson

    IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q40/02

    Abstract: A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

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