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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
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。
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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
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.
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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
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.
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Patent Agency Ranking
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
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.
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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
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.
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公开(公告)号：US20210012345A9
公开(公告)日：2021-01-14
申请号：US16422680
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Janet Smith , John D. Chisholm , Johan Gerber , Clara Salazar , Matthew Wickman , Susan Meyer , Rachael Vahle Cordero , Christopher John Merz
Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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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
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.
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公开(公告)号：US20190279216A1
公开(公告)日：2019-09-12
申请号：US16422680
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Janet Smith , John D. Chisholm , Johan Gerber , Clara Salazar , Matthew Wickman , Susan Meyer , Rachael Vahle Cordero , Christopher John Merz
Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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