公开(公告)号：US10198723B2

公开(公告)日：2019-02-05

申请号：US13941954

申请日：2013-07-15

Applicant: MasterCard International Incorporated

Inventor： Prashant Sharma ,  Joshua Joseph Baron ,  Deepankar Bhagat

IPC: G06Q30/00 ,  G06Q20/22 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q30/06

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

公开(公告)号：US20190172042A1

公开(公告)日：2019-06-06

申请号：US16267173

申请日：2019-02-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Prashant Sharma ,  Joshua Joseph Baron ,  Deepankar Bhagat

IPC: G06Q20/22 ,  G06Q30/06 ,  G06Q20/12 ,  G06Q20/28

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device including at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method includes receiving a selection message from the buyer computing device indicating a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method includes reserving at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

公开(公告)号：US10970702B2

公开(公告)日：2021-04-06

申请号：US16267173

申请日：2019-02-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Prashant Sharma ,  Joshua Joseph Baron ,  Deepankar Bhagat

IPC: G06Q30/00 ,  G06Q20/22 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q30/06

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device including at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method includes receiving a selection message from the buyer computing device indicating a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method includes reserving at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

公开(公告)号：US20170109773A1

公开(公告)日：2017-04-20

申请号：US14885506

申请日：2015-10-16

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Mark N. Savoye ,  Prashant Sharma

IPC: G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q50/00

CPC classification number: G06Q30/0226 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q50/01

Abstract: A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.

公开(公告)号：US20200211124A1

公开(公告)日：2020-07-02

申请号：US16236830

申请日：2018-12-31

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deepankar Bhagat ,  Matt Wickman

IPC: G06Q50/00 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/34

Abstract: Systems and methods herein provide limited credit accounts from social networks to recipient users having social network accounts at the social networks, in response to network requests by sender users to transfer funds to the recipient users through the social networks. One exemplary method includes receiving a request to transfer an amount of funds from a sender user to a recipient user, where the sender user and the recipient user both have social network accounts at a social network, and generating a score for the fund transfer based on at least a transaction history associated with the sender user. The method also includes determining whether the score satisfies a threshold and, when the score satisfies the threshold, generating a virtual card number (VCN) for the recipient user, wherein the VCN is associated with a credit line based on the amount of funds included in the request.

公开(公告)号：US10600053B2

公开(公告)日：2020-03-24

申请号：US15239184

申请日：2016-08-17

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Derek Ryan Reed ,  Jill Boyd Bugh ,  Mark N. Savoye

IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q50/00 ,  H04W12/06

Abstract: A method for verification of user identity includes: storing account profiles, each profile including data related to a user account of a non-financial institution (NFI) entity including an account identifier and an address; receiving a transaction request, the request including a specific account identifier and a transaction amount; identifying an account profile including the specific account identifier; generating a controlled payment number associated with a transaction account of the NFI entity; transmitting a notification to a third party entity including the specific account identifier; transmitting the controlled payment number to a user associated with the user account related to the specific account profile; receiving a data message from the third party entity including the specific account identifier and identification data associated with the user; and updating the specific account profile to include the controlled payment number, the identification data, and a spending limit based on the transaction amount.

公开(公告)号：US20160364795A1

公开(公告)日：2016-12-15

申请号：US14735763

申请日：2015-06-10

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Michael Denis McCarthy ,  Erik Lukas Ekselius ,  Mark N. Savoye

IPC: G06Q40/02 ,  G06Q20/20 ,  G06Q20/40

Abstract: A credit account is established for a merchant. A variable credit limit is set for the credit account. An indication is received that the merchant has accepted a payment account transaction to be charged to a customer's payment account. A transaction amount may be associated with the payment account transaction. The indication may also indicate that the payment account transaction has been authorized by an issuer of the customer's payment account. There may be a response in real time to the indication by instantaneously increasing the variable credit limit for the merchant's credit account by an amount that corresponds to the transaction amount.

Abstract translation: 为商家建立信用账户。 为信用账户设置可变信用额度。 收到商家已经接受支付帐户交易以向客户的支付账户收取的指示。 交易金额可能与支付账户交易相关联。 该指示还可以指示支付账户交易已经被客户的支付账户的发行者授权。 可以通过瞬时增加商家信用账户的可变信用额度与交易量对应的金额来实时地显示该指示。

公开(公告)号：US20150019411A1

公开(公告)日：2015-01-15

申请号：US13941954

申请日：2013-07-15

Applicant: MasterCard International Incorporated

Inventor： Prashant Sharma ,  Joshua Joseph Baron ,  Deepankar Bhagat

IPC: G06Q20/22

CPC classification number: G06Q20/22 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q30/06

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

Abstract translation: 提供一种用于促进支付交易的计算机实现的方法，其中持卡人代表买方从商家购买商品。 该方法包括从买方计算设备接收提案数据，其中提案数据包括建议购买的商品的标识，特定商家和商家购买价格中的至少一个。 该方法还包括从买方计算设备接收选择消息，其中选择消息指示使用与特定商家相关联的商家支付卡代表购买者选择购买该商品的所选择的持卡人。 该方法还包括由计算设备至少在购买者帐户中保留与商户支付卡相关联的商户购买价格和持卡人处理费用。 该方法还包括将资金从买方帐户转移到选定的持卡人账户，资金至少部分由商户购买价格和持卡人处理费确定。