公开(公告)号：US20180330361A1

公开(公告)日：2018-11-15

申请号：US15590296

申请日：2017-05-09

Applicant: MasterCard International Incorporated

Inventor： Antonio Marra ,  Saurabh Mehta ,  Joseph Zeltzer

IPC: G06Q20/32 ,  G06Q20/10 ,  G06F17/30 ,  G06F21/35 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q30/06

CPC classification number: G06Q20/3274 ,  G06F17/30879 ,  G06F21/35 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/3226 ,  G06Q20/3276 ,  G06Q20/363 ,  G06Q30/0601

Abstract: A QR (quick response) code is scanned by a customer's payment-enabled mobile device to launch a payment account system transaction. The QR code includes the mobile phone number for a merchant's employee or associate. The mobile phone number is communicated through payment account system transaction messaging to the merchant's bank. The merchant's bank sends a confirmation message to the employee/associate to trigger completion of a related purchase transaction.

公开(公告)号：US11093925B2

公开(公告)日：2021-08-17

申请号：US16131219

申请日：2018-09-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Anthony Hayes ,  Saurabh Mehta

IPC: G06Q20/24 ,  G06Q20/40 ,  G06N7/00

Abstract: Systems and methods are provided for use in imposing chargeback probability scores on network transactions. One exemplary method includes obtaining at least one transaction detail of a network transaction between a consumer and a merchant. A computing device determines a chargeback probability score for the network transaction based, at least in part, on the at least one transaction detail. Chargeback data is transmitted to an entity associated with the network transaction, where the chargeback data includes at least one of (a) the chargeback probability score and (b) an indicator that the chargeback probability score fails to satisfy one or more thresholds, thereby permitting the entity to hold and/or decline the network transaction when the chargeback probability score fails to satisfy one or more thresholds.

公开(公告)号：US20190087805A1

公开(公告)日：2019-03-21

申请号：US16131219

申请日：2018-09-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Anthony Hayes ,  Saurabh Mehta

IPC: G06Q20/24 ,  G06N7/00 ,  G06Q20/40

Abstract: Systems and methods are provided for use in imposing chargeback probability scores on network transactions. One exemplary method includes obtaining at least one transaction detail of a network transaction between a consumer and a merchant. A computing device determines a chargeback probability score for the network transaction based, at least in part, on the at least one transaction detail. Chargeback data is transmitted to an entity associated with the network transaction, where the chargeback data includes at least one of (a) the chargeback probability score and (b) an indicator that the chargeback probability score fails to satisfy one or more thresholds, thereby permitting the entity to hold and/or decline the network transaction when the chargeback probability score fails to satisfy one or more thresholds.

公开(公告)号：US20190108520A1

公开(公告)日：2019-04-11

申请号：US16148110

申请日：2018-10-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Joseph Zeltzer ,  Anthony Hayes ,  Prashant Sharma ,  Saurabh Mehta

IPC: G06Q20/40 ,  G06Q10/08 ,  G06K7/14

Abstract: Systems and methods are provided for facilitating payment, at a courier terminal of a courier, on delivery of products offered by multiple different merchants. One exemplary method includes receiving, by a computing device, an order record from a merchant identifying a product ordered by a consumer and including a merchant ID for the merchant. The computing device then retrieves, from a data structure, a payment gateway address associated with the merchant ID and modifies the order record to include the payment gateway address. The payment gateway address is for a payment gateway associated with the merchant. The computing device then transmits the modified order record to the courier, thereby permitting the payment gateway address to be imposed on the courier terminal such that a payment account transaction initiated at the courier terminal for payment on delivery of the product is directed to an account specific to the merchant.

公开(公告)号：US20160048913A1

公开(公告)日：2016-02-18

申请号：US14460601

申请日：2014-08-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Suman Rausaria ,  Michael Rethorn ,  Saurabh Mehta

IPC: G06Q40/02 ,  G06Q20/10

CPC classification number: G06Q40/02 ,  G06Q20/10 ,  G06Q20/355 ,  G06Q20/4018

Abstract: Systems and methods for use in assigning bank identification numbers (BINs) are disclosed. One exemplary method includes identifying a payment account demand for an issuer. The payment account demand is associated with an anticipated number of primary account numbers (PANs) for the issuer, each PAN having a PAN length. The method further includes selecting a BIN length for the issuer based on the payment account demand where the BIN length being less than the PAN length, assigning a BIN to the issuer where the BIN has the BIN length, and appending the BIN to a BIN directory. The BIN is associated with the issuer. The BIN is different than each other BIN in the BIN directory.

Abstract translation: 公开了用于分配银行识别号码（BIN）的系统和方法。 一种示例性方法包括识别发行人的支付账户需求。 支付账户需求与发行人的主要帐号（PAN）的预期数量相关联，每个PAN具有PAN长度。 该方法还包括基于BIN长度小于PAN长度的支付账户需求为发行者选择BIN长度，向BIN具有BIN长度的发行方分配BIN，并将BIN附加到BIN目录 。 BIN与发行人有关。 BIN与BIN目录中的BIN不同。