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：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：US20180046344A1

公开(公告)日：2018-02-15

申请号：US15705372

申请日：2017-09-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Joshua G. Monroe

IPC: G06F3/0487 ,  G06Q20/32

CPC classification number: G06F3/0487 ,  G06Q20/3223

Abstract: A system and method is disclosed for a contactless payment enabled smartphone in which a user can toggle between multiple payment methods, i.e. multiple different credit/debit card accounts, by predefined user actions, alone or in combination with the act of changing the physical orientation of the smartphone, and complete a payment transaction using the selected payment method via a contactless, wireless transmission.

公开(公告)号：US20170076309A1

公开(公告)日：2017-03-16

申请号：US14923906

申请日：2015-10-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Joshua J. Baron ,  Timothy R. Zyk ,  Deborah J. Shell ,  Ellen C. Heitman ,  Joshua G. Monroe

IPC: G06Q30/02 ,  G06Q50/00

CPC classification number: G06Q30/0214 ,  G06Q50/01

Abstract: Systems and methods are provided for linking product offerings with social network content. One exemplary method includes verifying, by a computing device, via an application programming interface (API) associated with the social network, a social network action, by a consumer, for a product in a social network, and awarding a discount to the consumer for the product, when the social network action is verified, whereby the consumer is able to purchase the product for the price of the product less the awarded discount. Often, the social network action is a “like” of the product, whereby a social network content associated with the product is then disseminated to at least one follower of the consumer in the social network in response to the action.

Abstract translation: 系统和方法用于将产品与社交网络内容相关联。 一种示例性方法包括通过计算设备经由与社交网络相关联的应用程序编程接口（API），消费者对社交网络中的产品进行社交网络动作，以及向消费者颁发折扣 该产品，当社会网络行动得到验证时，消费者能够以该产品的价格购买该产品，减去获得的折扣。 通常，社交网络行为是该产品的“喜欢”，由此，与产品相关联的社交网络内容随后响应于该动作被传播到社交网络中的消费者的至少一个跟随者。

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.