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1.发明授权公开(公告)号：US10467682B2
公开(公告)日：2019-11-05
申请号：US15371494
申请日：2016-12-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Charles Sangwon Lee
Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.
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2.发明申请公开(公告)号：US20170161820A1
公开(公告)日：2017-06-08
申请号：US15371494
申请日：2016-12-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Charles Sangwon Lee
Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.
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3.发明申请SYSTEMS AND METHODS TO ENABLE PAYMENTS IN THE ABSENCE OF A POINT OF SALE DEVICE 审中-公开系统和方法可以在销售设备的某一点上实现支付公开(公告)号：US20150032623A1
公开(公告)日：2015-01-29
申请号：US14043339
申请日：2013-10-01
Applicant: MasterCard International Incorporated
Inventor： Michael J. Friedman , Mouna Fouillade
Abstract: A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.
Abstract translation: 提供了一种用于使用消费者移动设备处理商家和消费者之间的交易的方法和系统，其中消费者移动设备与具有存储器的支付处理计算设备通信。 该方法包括接收与商家相关联的商家数据，接收与消费者相关联的消费者别名，从消费者移动设备接收交易请求消息，交易请求消息包括商家标识符，交易金额，与 消费者移动设备和消费者验证数据，基于设备标识符和消费者验证数据检索帐号，基于商家标识检索商家数据，生成包括帐号，交易金额的授权请求消息，以及 商户数据，并通过支付网络向授权银行发送授权请求消息。
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公开(公告)号：US20130191227A1
公开(公告)日：2013-07-25
申请号：US13746904
申请日：2013-01-22
Applicant: MasterCard International Incorporated
Inventor： Mehmet Pasa , Michael J. Friedman , Ngassam Ngnoumen , Celine Martig , Shoshana C. Rosenfield , Rupa Subramanian , Zavida Mangaru , John F. Cacioppo
IPC: G06Q20/36
CPC classification number: G06Q20/3674 , G06Q20/027 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/363 , G06Q20/367
Abstract: A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.
Abstract translation: 用于授权消费者从商家网站或应用程序发起的数字钱包交易的方法包括在与商户网站或应用相关联的商家着陆页上提供接受标记以启动数字钱包交易，接受标记包括链接 到访问接受网络以授权支付的主机服务器，所述接受网络包括多个数字钱包。 钱包选择器开关允许选择钱包，交易被路由到所选择的钱包，选择支付卡和送货地址，并且交易被重定向回到商家，其具有用于授权和完成数字钱包交易的购买细节。 钱包可以包括联合和非联合的有品牌的钱包和合作伙伴托管的钱包。 在联合的有品牌的钱包中提供了直接配置合作伙伴凭据和自动更新消费者详细信息。
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5.发明授权公开(公告)号：US11093997B2
公开(公告)日：2021-08-17
申请号：US16584312
申请日：2019-09-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Charles Sangwon Lee
Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes requesting product data for a merchant, receiving the product data from the merchant, displaying the product data to a user at a vehicle, and receiving a selection of a product therefrom by the user. The method then includes creating an order object for the selected product and appending a vehicle signature, for the vehicle, to the order object. The vehicle signature may include a condition of the vehicle, a sound or vibration of the vehicle, and/or a vehicle identifier modified by an operator. The method then further includes matching the order object to a transaction object for the selected product based on the vehicle signature, and transmitting a purchase order to the merchant for the selected product, based on the order object and the transaction object.
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Patent Agency Ranking
6.发明申请公开(公告)号：US20200020022A1
公开(公告)日：2020-01-16
申请号：US16584312
申请日：2019-09-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Charles Sangwon Lee
Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes requesting product data for a merchant, receiving the product data from the merchant, displaying the product data to a user at a vehicle, and receiving a selection of a product therefrom by the user. The method then includes creating an order object for the selected product and appending a vehicle signature, for the vehicle, to the order object. The vehicle signature may include a condition of the vehicle, a sound or vibration of the vehicle, and/or a vehicle identifier modified by an operator. The method then further includes matching the order object to a transaction object for the selected product based on the vehicle signature, and transmitting a purchase order to the merchant for the selected product, based on the order object and the transaction object.
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7.发明申请公开(公告)号：US20180260882A1
公开(公告)日：2018-09-13
申请号：US15977660
申请日：2018-05-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Charles Sangwon Lee
Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.
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公开(公告)号：US20210264422A1
公开(公告)日：2021-08-26
申请号：US17317601
申请日：2021-05-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Mouna Fouillade
Abstract: A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.
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9.发明授权公开(公告)号：US10424007B2
公开(公告)日：2019-09-24
申请号：US15977660
申请日：2018-05-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael J. Friedman , Charles Sangwon Lee
Abstract: Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.
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公开(公告)号：US09799027B2
公开(公告)日：2017-10-24
申请号：US13746904
申请日：2013-01-22
Applicant: MasterCard International Incorporated
Inventor： Mehmet Pasa , Michael J. Friedman , Ngassam Ngnoumen , Celine Martig , Shoshana C. Rosenfield , Rupa Subramanian , Zavida Mangaru , John F. Cacioppo
CPC classification number: G06Q20/3674 , G06Q20/027 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/363 , G06Q20/367
Abstract: A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.
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