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1.发明授权公开(公告)号：US12169840B2
公开(公告)日：2024-12-17
申请号：US17844979
申请日：2022-06-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Sandeep Malhotra , Suman Rausaria
Abstract: Methods and systems for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network. In an embodiment, a supplemental payment services computer receives a refund request including a transaction reference and a token concerning a payment transaction between a merchant and a customer, determines that the payment transaction was effected in a real-time payment network, determines an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token, transmits the refund request to the issuer FI computer, receives a favorable authorization response and transmits the authorization response to an acquirer FI computer associated with the merchant. The supplemental payment services computer also transmits a payment card network funds transfer credit message directing the issuer FI to credit the refund amount to the customer account and transmits a payment card network funds transfer debit message directing the acquirer FI to debit the refund amount from an account of the merchant to the acquirer FI computer. Next, the refund amount from the acquirer FI computer to the issuer FI computer is settled via a payment card account network settlement system computer.
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公开(公告)号：US20190156167A1
公开(公告)日：2019-05-23
申请号：US15817530
申请日：2017-11-20
Applicant: MasterCard International Incorporated
Inventor： Irina Singh , Suman Rausaria , Shanthan Subramaniam , Sandeep Malhotra
Abstract: Methods and apparatus for generating a secure QR code. In an embodiment, a directory service computer receives a secure QR code request from a merchant device that includes an acquirer financial institution (FI)-signed certificate. The directory service computer verifies the identity of a merchant, identifies a merchant identifier (ID), establishes an encrypted and Pinned SSL tunnel with the merchant device, and receives via the encrypted and Pinned SSL tunnel from the merchant device, a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID). The directory service computer then generates a Hash value, generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code data to the merchant device to conduct a purchase transaction.
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3.发明申请公开(公告)号：US20220327540A1
公开(公告)日：2022-10-13
申请号：US17844979
申请日：2022-06-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Sandeep Malhotra , Suman Rausaria
Abstract: Methods and systems for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network. In an embodiment, a supplemental payment services computer receives a refund request including a transaction reference and a token concerning a payment transaction between a merchant and a customer, determines that the payment transaction was effected in a real-time payment network, determines an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token, transmits the refund request to the issuer FI computer, receives a favorable authorization response and transmits the authorization response to an acquirer FI computer associated with the merchant. The supplemental payment services computer also transmits a payment card network funds transfer credit message directing the issuer FI to credit the refund amount to the customer account and transmits a payment card network funds transfer debit message directing the acquirer FI to debit the refund amount from an account of the merchant to the acquirer FI computer. Next, the refund amount from the acquirer FI computer to the issuer FI computer is settled via a payment card account network settlement system computer.
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4.发明授权公开(公告)号：US11386432B2
公开(公告)日：2022-07-12
申请号：US16440055
申请日：2019-06-13
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Sandeep Malhotra , Suman Rausaria
Abstract: A request for a refund is received relative to a payment transaction implemented in a real-time payment system. The request is transmitted to an issuer financial institution that maintains an account for the payer in the payment transaction. A response is received from the issuer financial institution. The response is transmitted to an acquirer financial institution that provides financial services to the recipient of the payment transaction. A first transfer message is transmitted to the issuer financial institution directing the issuer financial institution to credit a refund amount to the payer's account and to debit a settlement holding account maintained by the issuer financial institution. A second transfer message is transmitted to the acquirer financial institution to debit the refund amount from the recipient's account. The refund amount is settled from the acquirer financial institution to the issuer financial institution via a payment card account network settlement system.
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公开(公告)号：US20230252466A1
公开(公告)日：2023-08-10
申请号：US18136056
申请日：2023-04-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Shanthan Subramaniam , Sandeep Malhotra
CPC classification number: G06Q20/40 , G06Q20/108 , G06Q20/102
Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.
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Patent Agency Ranking
公开(公告)号：US11663591B2
公开(公告)日：2023-05-30
申请号：US16380044
申请日：2019-04-10
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Shanthan Subramaniam , Sandeep Malhotra
CPC classification number: G06Q20/40 , G06Q20/102 , G06Q20/108
Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.
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公开(公告)号：US20200005106A1
公开(公告)日：2020-01-02
申请号：US16567439
申请日：2019-09-11
Applicant: Mastercard International Incorporated
Inventor： Irina Singh , Suman Rausaria , Shanthan Subramaniam , Sandeep Malhotra
Abstract: Methods and apparatus for generating a secure QR code for use in a purchase transaction. In an embodiment, a directory service computer verifies the identity of a merchant by matching an acquirer financial institution (FI)-signed certificate and a stored certificate, wherein the acquirer FI-signed certificate was received from a merchant device along with a secure QR code request. The directory service computer then establishes an encrypted and Pinned SSL tunnel with the merchant device, receives a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID), updates an application transaction count (ATC) associated with the merchant, and generates and stores a secure one-way Hash value, generated by using a merchant identifier (ID), the transaction amount, the ATC, the UUID, and the transaction ID. The directory service computer next generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code to the merchant device for use in conducting a purchase transaction.
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公开(公告)号：US10445629B2
公开(公告)日：2019-10-15
申请号：US15817530
申请日：2017-11-20
Applicant: MasterCard International Incorporated
Inventor： Irina Singh , Suman Rausaria , Shanthan Subramaniam , Sandeep Malhotra
Abstract: Methods and apparatus for generating a secure QR code. In an embodiment, a directory service computer receives a secure QR code request from a merchant device that includes an acquirer financial institution (FI)-signed certificate. The directory service computer verifies the identity of a merchant, identifies a merchant identifier (ID), establishes an encrypted and Pinned SSL tunnel with the merchant device, and receives via the encrypted and Pinned SSL tunnel from the merchant device, a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID). The directory service computer then generates a Hash value, generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code data to the merchant device to conduct a purchase transaction.
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公开(公告)号：US20230410080A1
公开(公告)日：2023-12-21
申请号：US17843559
申请日：2022-06-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Shanthan Subramaniam , Suman Rausaria
CPC classification number: G06Q20/24 , G06Q20/385 , G06Q40/025 , G06Q20/202
Abstract: A payment management system and method of managing a payment network includes generating a payment token based on a bank account of a user (e.g., a buyer), receiving a dynamic code through a network for a transaction, and validating a request for payment of the transaction using an installment plan based on funds from the bank account. The validating the request for payment of the transaction is performed based on operations which include authenticating the payment token and verifying the dynamic code. In addition, the method includes generating a decision signal indicating a decision for the request when the request for payment is validated and transmitting the decision signal to a merchant system to authorize or decline completion of the transaction.
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公开(公告)号：US11361112B2
公开(公告)日：2022-06-14
申请号：US16922262
申请日：2020-07-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Irina Singh , Marwazi Hilliza Siagian , Christopher H. Linder , Faizan Husain , Shanthan Subramaniam
Abstract: A method for secure document exchange includes receiving a request from a content owner to initiate a document request of particular information from a record provider to a service provider; and sending the document request to the record provider. The document request sent to the record provider includes the particular information of the content owner as required by the service provider for the record provider to send to the service provider; contact information of the service provider to receive the particular information; and an encryption key with which the record provider is to encrypt the particular information before sending to the service provider The method further includes sending to the service provider a notification message that includes a decryption key with which to decrypt the particular information from the record provider.
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