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公开(公告)号：US11756007B2
公开(公告)日：2023-09-12
申请号：US17166807
申请日：2021-02-03
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Alan Ferguson , Ravi Kapoor , Sedef Acar , Mohammad Al-Hussein , Georgina Selby
CPC classification number: G06Q20/02 , G06Q20/108 , G06Q20/223 , G06Q20/3276 , G06Q40/02 , G06K19/06028 , G06K19/06037 , G06Q20/367
Abstract: A method for open-loop person to person payments comprises: receiving, from a sender computing device, a transaction request message including an identifier of a recipient, a selection of a payment device, and a payment amount; determining, based on the identifier, a registration status of the recipient; if the recipient is registered: determining, from the identifier of the recipient, an account of the recipient, and initiating a request to a payment network to effect a transfer of the payment amount from an account associated with the selected payment device to an account of the recipient; if the recipient is unregistered, effecting a transfer of the payment amount from an account associated with the selected payment device to an escrow account, and transmitting, to the recipient based on the identifier, a payment notification message, said payment notification message including a link for the recipient to register to receive the payment amount.
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公开(公告)号：US20210241239A1
公开(公告)日：2021-08-05
申请号：US17166807
申请日：2021-02-03
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Alan Ferguson , Ravi Kapoor , Sedef Acar , Mohammad Al-Hussein , Georgina Selby
Abstract: A method for open-loop person to person payments comprises: receiving, from a sender computing device, a transaction request message including an identifier of a recipient, a selection of a payment device, and a payment amount; determining, based on the identifier, a registration status of the recipient; if the recipient is registered: determining, from the identifier of the recipient, an account of the recipient, and initiating a request to a payment network to effect a transfer of the payment amount from an account associated with the selected payment device to an account of the recipient; if the recipient is unregistered, effecting a transfer of the payment amount from an account associated with the selected payment device to an escrow account, and transmitting, to the recipient based on the identifier, a payment notification message, said payment notification message including a link for the recipient to register to receive the payment amount.
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公开(公告)号：US20210125159A1
公开(公告)日：2021-04-29
申请号：US16661721
申请日：2019-10-23
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Paul Michael Musser , Penelope Psarros , Ali Khalaf , Yara Hattab , Chirag Sharma , Mohammad Al-Hussein
Abstract: Systems, devices and methods may provide for facilitating a direct fund transfer from an aid organization to a service provider. The system may maintain an aid organization account associated with the aid organization, maintain a beneficiary account associated with each beneficiary enrolled with the aid organization, and maintain a service provider account associated with each service provider. Each beneficiary account may be configured as a virtual stored-value account for storing value corresponding to funds from the aid organization. The system may also receive transaction data corresponding to a transaction between a beneficiary and a service provider including identifier information, debit a value corresponding to the transaction amount from the beneficiary account that is mapped to a beneficiary identifier, and transfer funds corresponding to the transaction amount from the aid organization account directly to a service provider account that is mapped to a service provider identifier.
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