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    PAYMENT NETWORK AS A PLATFORM
    3.
    发明申请
    PAYMENT NETWORK AS A PLATFORM 审中-公开

    公开(公告)号：US20190114598A1

    公开(公告)日：2019-04-18

    申请号：US15786694

    申请日：2017-10-18

    Applicant: Mastercard International Incorporated

    Inventor： Shanthan Subramaniam ,  Vitorino Jose Pereira Lopes ,  Charlotte Ng

    IPC: G06Q20/02 ,  G06Q20/08 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q30/06

    Abstract: Systems and methods are provided for systems and methods are described herein for providing a payment network platform that facilitates the integration of third-party value added service provider applications (“VAS Apps”) within the infrastructure of a payment device network. The systems and methods for providing a payment network platform described herein enable a series of operations whereby VAS Apps are selectively and under the control of the payment network platform system server, provided access to transaction data for transactions being processed by and through the payment device network system for the purpose of performing supplemental processing of such transactions and thereby providing value added services to transacting network participants that have subscribed to the services provided by the VAS App.

    MULTIPLE SETTLEMENT OPTIONS IN PAYMENT SYSTEM
    4.
    发明申请
    MULTIPLE SETTLEMENT OPTIONS IN PAYMENT SYSTEM 有权

    公开(公告)号：US20210103910A1

    公开(公告)日：2021-04-08

    申请号：US16593080

    申请日：2019-10-04

    Applicant: Mastercard International Incorporated

    Inventor： Shanthan Subramaniam ,  Sandeep Malhotra ,  Suman Rausaria

    IPC: G06Q20/22 ,  G06Q20/02 ,  G06Q20/38

    Abstract: A payment card account system transaction request is received. The request was initiated by acceptance of a payment card account transaction by a merchant. The request includes a transaction amount. It is determined whether the merchant has selected EFT (electronic funds transfer) settlement for the payment card account transaction that the merchant accepted. In response to the receiving step and also in response to a result of the determination as to whether EFT settlement was selected, an EFT transaction request is routed for the transaction amount to an EFT system to benefit the merchant.

    PAYMENT SYSTEM FOR FACILITATING DELIVERY TRANSACTIONS
    5.
    发明申请
    PAYMENT SYSTEM FOR FACILITATING DELIVERY TRANSACTIONS 审中-公开

    公开(公告)号：US20190080302A1

    公开(公告)日：2019-03-14

    申请号：US15699375

    申请日：2017-09-08

    Applicant: MasterCard International Incorporated

    Inventor： Yen Tran ,  Shanthan Subramaniam

    IPC: G06Q20/10 ,  G06Q20/26 ,  G06Q30/00

    Abstract: A request for payment is received from a payment recipient. The request includes (a) invoice details and a transaction amount for a transaction between the payment recipient and a buyer; (b) identification of the payment recipient; and (c) an identifier that identifies the buyer. Payment recipient account information and buyer account information is appended to the request for payment. The payment recipient account information identifies the payment recipient's bank and bank account. The buyer account information identifies the buyer's bank and bank account. The request for payment is transmitted, including at least a portion of the payment recipient and buyer account information. A confirmation is received that the request for payment has been executed.

    SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL
    8.
    发明申请
    SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL 有权

    公开(公告)号：US20250139597A1

    公开(公告)日：2025-05-01

    申请号：US19010548

    申请日：2025-01-06

    Applicant: Mastercard International Incorporated

    Inventor： Shanthan Subramaniam ,  Vitorino Jose Pereira Lopes ,  Sandeep Malhotra

    IPC: G06Q20/02 ,  G06Q20/20 ,  G06Q20/26 ,  G06Q20/38 ,  G06Q20/40

    Abstract: Systems and apparatus for accepting a dual function payment credential. In an embodiment, a system includes a payment card network computer, a gateway/bridge computer, and a merchant acquirer computer. A payment card network processor is operative to receive, during a payment transaction between the merchant and a customer, a transaction authorization request message including a payment token and a merchant identifier, detokenize the payment token, determine that a debit transaction option and an ACH transaction option exist for the payment token, determine an ability of the debit transaction option and the ACH transaction option to be associated with value-added services, and at least one additional factor, one of that the merchant or a party associated with the merchant elected to have the payment transaction completed via ACH transaction, and transmit the transaction authorization request message to the gateway/bridge computer for processing as an ACH transaction.

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