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1.发明申请公开(公告)号：US20180137530A1
公开(公告)日：2018-05-17
申请号：US15352084
申请日：2016-11-15
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joel Chris Wheeler , Kyle P. Clark , Jason Hilliard Goodgold
CPC classification number: G06Q30/0222 , G06Q20/108 , G06Q20/227 , G06Q20/36 , G06Q20/387 , G06Q30/0207 , G06Q30/0208
Abstract: Systems and methods are provided for facilitating payment account transactions, through selection of particular payment accounts for use in the transactions based on incentives associated with the payment accounts. One exemplary method includes receiving an authorization request for a transaction, where the authorization request includes a virtual card number (VCN) for a virtual wallet used in the transaction, and a parameter of the transaction. The method also includes selecting a payment account, from multiple payment accounts in the virtual wallet, based on an incentive associated with the payment account and the parameter, and replacing the VCN in the authorization request with a primary account number (PAN) for the selected payment account. The method then further includes routing the authorization request, with the appended PAN, to an issuer associated with the selected payment account so that the transaction may be subjected to the incentive associated with the payment account.
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公开(公告)号：US10528968B2
公开(公告)日：2020-01-07
申请号：US14747445
申请日：2015-06-23
Applicant: MasterCard International Incorporated
Inventor： William J. Good , Kyle P. Clark
Abstract: A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.
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3.发明申请公开(公告)号：US20180122024A1
公开(公告)日：2018-05-03
申请号：US15340798
申请日：2016-11-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Travis Michael Carpenter , Kyle P. Clark
CPC classification number: G06Q50/14 , G06Q30/0207 , G06Q30/0235 , G06Q30/0261 , G06Q30/0269 , G06Q50/30
Abstract: Systems and methods are provided for use in identifying offers for consumers based on transit conditions. One exemplary method includes in response to a transit condition, accessing, by a computing device, a consumer profile for a consumer associated with the transit condition and an offer data structure having multiple offers relating to discounted purchase transactions, where each of the multiple offers are associated with a merchant. The method also includes selecting, by the computing device, at least one of the multiple offers, from the offer data structure, based on the transit condition and the consumer profile, and then issuing, by the computing device, the selected at least one offer to the consumer, at a communication device associated with the consumer, thereby permitting the consumer to redeem the selected at least one offer at the merchant associated with the at least one offer.
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公开(公告)号：US20170255934A1
公开(公告)日：2017-09-07
申请号：US15334665
申请日：2016-10-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Kyle P. Clark , Joel Chris Wheeler
Abstract: Exemplary systems and methods for linking access credentials with payment accounts and facilitating access to events based on associations between the payment accounts and the events are disclosed. One exemplary method includes receiving, at a computing device, an authorization request for purchasing access to an event where the authorization request includes event content, ticket content, and payment content, and where the authorization request is associated with a merchant. The method also includes determining, at the computing device, whether the merchant and/or the event are registered, and when the merchant and the event are registered, storing, in memory of the computing device, a link between a payment account identified in the payment content and the event, whereby the link is able to be retrieved, by the merchant, via a subsequent authorization request, to indicate access to the event.
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Patent Agency Ranking
公开(公告)号：US20170255882A1
公开(公告)日：2017-09-07
申请号：US15062635
申请日：2016-03-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Kyle P. Clark , Travis M. Carpenter
CPC classification number: G06Q10/02 , G06Q20/342 , G06Q20/36 , G06Q20/385
Abstract: Exemplary systems and methods for facilitating access to events based on associations between payment accounts and such access are disclosed. One exemplary method includes receiving, at a computing device, an access request for an event where the access request is associated with a consumer requesting access to the event, and searching, by the computing device, in a data structure for a payment account identified in the request. When the identified payment account is found, the method includes verifying, by the computing device, that the identified payment account is associated with the event. And, when association of the payment account and the event is verified, the method includes causing, by the computing device, an access output to be generated at the event, whereby the consumer is permitted access to the event, based on the access output, without separately presenting credentials.
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公开(公告)号：US11263655B2
公开(公告)日：2022-03-01
申请号：US16732765
申请日：2020-01-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： William J. Good , Kyle P. Clark
Abstract: A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.
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公开(公告)号：US10748086B2
公开(公告)日：2020-08-18
申请号：US15334665
申请日：2016-10-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Kyle P. Clark , Joel Chris Wheeler
Abstract: Exemplary systems and methods for linking access credentials with payment accounts and facilitating access to events based on associations between the payment accounts and the events are disclosed. One exemplary method includes receiving, at a computing device, an authorization request for purchasing access to an event where the authorization request includes event content, ticket content, and payment content, and where the authorization request is associated with a merchant. The method also includes determining, at the computing device, whether the merchant and/or the event are registered, and when the merchant and the event are registered, storing, in memory of the computing device, a link between a payment account identified in the payment content and the event, whereby the link is able to be retrieved, by the merchant, via a subsequent authorization request, to indicate access to the event.
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公开(公告)号：US20170337585A1
公开(公告)日：2017-11-23
申请号：US15156700
申请日：2016-05-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Mark N. Savoye , Travis M. Carpenter , Kyle P. Clark
CPC classification number: G06Q30/0267 , G06Q30/0251 , G06Q30/0261 , G06Q30/0269 , H04W4/12
Abstract: Systems and methods are provided for directing advertising content to advertising media specific to one or more consumers proximate the advertising media. An example method includes receiving, by a computing device, a media proximity message (MPM) associated with an advertising medium. The method also includes accessing, by the computing device, location context for the advertising medium from an advertising media data structure, based on an advertising medium identifier in the MPM, and accessing a consumer profile for the consumer, based on a consumer identifier in the MPM, from a consumer profiles data structure. The method further includes selecting, by the computing device, an advertising content, from an advertising content data structure, based on at least the consumer profile and the location context, and causing the selected advertising content to be displayed at the advertising medium.
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9.发明申请Method and System for Processing of a Real-Time Rebate at Transaction Authorization 审中-公开交易授权处理实时回扣的方法和系统公开(公告)号：US20150112781A1
公开(公告)日：2015-04-23
申请号：US14465063
申请日：2014-08-21
Applicant: Mastercard International Incorporated
Inventor： Kyle P. Clark , Christopher A. Guiney , Jensen James E. Pastrana
IPC: G06Q30/02
CPC classification number: G06Q30/0234 , G06Q30/0215
Abstract: Systems and methods for processing payment transactions involving reward accounts are disclosed. One exemplary method includes receiving an authorization request for a payment transaction involving a reward account. The authorization request includes at least a transaction amount. The method also includes determining, based on the reward preference, whether the payment transaction is eligible for a reward rebate and transmitting a request for the reward rebate when the payment transaction is eligible.
Abstract translation: 公开了涉及奖励账户处理支付交易的系统和方法。 一个示例性方法包括接收涉及奖励账户的支付交易的授权请求。 授权请求至少包括交易金额。 该方法还包括基于奖励偏好确定支付交易是否符合奖励回扣的条件，并且在支付交易符合条件时发送奖励回扣的请求。
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