公开(公告)号：US20170262832A1

公开(公告)日：2017-09-14

申请号：US15454502

申请日：2017-03-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rahul A. Deshpande ,  Matthew R. Stocke ,  Jeffrey Allen Cox ,  Stewart J. Boling ,  Nevada Alpine Kent, V ,  Neeraj Javiya ,  Nitin Shambhu

IPC: G06Q20/22 ,  G06Q20/32

CPC classification number: G06Q20/223 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/367 ,  G07F7/0886

Abstract: Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at least one product and receiving a checkout token for the payment account transaction from a person-to-merchant (P2M) engine. The checkout token is based, at least in part, on the captured merchant indicator. The method further includes transmitting a request for the payment account transaction at the merchant, where the request includes the checkout token, and whereby the consumer is permitted to purchase one or more products from the merchant, using the consumer's communication device and without interacting with a point-of-sale (POS) terminal.

公开(公告)号：US20160335637A1

公开(公告)日：2016-11-17

申请号：US15150839

申请日：2016-05-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rahul A. Deshpande ,  Deborah E. Barta ,  Nevada Alpine Kent, V ,  Siddique Hameed ,  Stewart J. Boling ,  Michael K. Forbis

IPC: G06Q20/40 ,  H04W4/14 ,  G06Q20/10

CPC classification number: G06Q20/4012 ,  G06Q20/3255 ,  H04W4/14

Abstract: Systems and methods are provided for processing transactions to payment accounts. One exemplary method includes receiving a transaction request from a merchant relating to a transaction between a consumer and the merchant, transmitting a verification message to the merchant including a verification code, and receiving a verified transaction request from the merchant. At least one of the transaction request and the verified transaction request includes a telephone number associated with the consumer and an amount of the transaction. The method also includes transmitting a confirmation request to the consumer including a confirmation code, when the verified transaction request includes said verification code. The method further includes receiving a confirmation response from the consumer and transmitting an authorization request for the transaction, when the confirmation response includes said confirmation code.

Abstract translation: 提供系统和方法来处理交易到支付账户。 一种示例性方法包括从商家接收与消费者和商家之间的交易相关的交易请求，向商家发送包括验证码的验证消息，以及从商家接收经验证的交易请求。 交易请求和经验证的交易请求中的至少一个包括与消费者相关联的电话号码和交易量。 当验证的交易请求包括所述验证码时，该方法还包括向消费者发送包括确认码的确认请求。 该方法还包括当确认响应包括所述确认代码时从消费者接收确认响应并发送交易的授权请求。