公开(公告)号：US20200097959A1

公开(公告)日：2020-03-26

申请号：US16138234

申请日：2018-09-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Yen Tran ,  Sandeep Malhotra ,  Mostafa Sabet ,  Shanthan Subramaniam

IPC: G06Q20/38

Abstract: A method includes receiving a request for payment credentials. The request indicates an account from which payment for a transaction is to be made. A payment token is looked-up that corresponds to the indicated account. Dynamic expiry data and a dynamic token verification code are generated. As a response to the request, the looked-up payment token, the generated dynamic expiry data and the generated dynamic token verification code are transmitted.

公开(公告)号：US11587054B2

公开(公告)日：2023-02-21

申请号：US15712910

申请日：2017-09-22

Applicant: MasterCard International Incorporated

Inventor： Yen Tran ,  Shanthan Subramaniam

IPC: G06Q20/20 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/02 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02

Abstract: A transaction request is received. The transaction request includes a merchant identifier. The merchant identifier is for identifying a merchant. The merchant's banking details are appended to the transaction request. The transaction request, with the appended banking details, is transmitted to a user's bank. Confirmation is received that a transaction has been performed in accordance with the transaction request. A confirmation is transmitted to the merchant to indicate that the transaction has been performed.

公开(公告)号：US20220036347A1

公开(公告)日：2022-02-03

申请号：US17276995

申请日：2019-08-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Yen Tran ,  Sandeep Malhotra ,  Mostafa Hussein Sabet ,  Shanthan Subramaniam

IPC: G06Q20/38

Abstract: A method includes receiving a request for payment credentials. The request indicates an account from which payment for a transaction is to be made. A payment token is looked-up that corresponds to the indicated account. Dynamic expiry data and a dynamic token verification code are generated. As a response to the request, the looked-up payment token, the generated dynamic expiry data and the generated dynamic token verification code are transmitted.

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.

公开(公告)号：US12243049B2

公开(公告)日：2025-03-04

申请号：US17276995

申请日：2019-08-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Yen Tran ,  Sandeep Malhotra ,  Mostafa Hussein Sabet ,  Shanthan Subramaniam

IPC: G06Q20/38

Abstract: A method includes receiving a request for payment credentials. The request indicates an account from which payment for a transaction is to be made. A payment token is looked-up that corresponds to the indicated account. Dynamic expiry data and a dynamic token verification code are generated. As a response to the request, the looked-up payment token, the generated dynamic expiry data and the generated dynamic token verification code are transmitted.

公开(公告)号：US20200097931A1

公开(公告)日：2020-03-26

申请号：US16138646

申请日：2018-09-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Yen Tran ,  Sandeep Malhotra ,  Mostafa Hussein Sabet ,  Shanthan Subramaniam

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/36

Abstract: A method includes receiving an invoice token from a merchant, where the invoice token represents an invoice for an e-commerce transaction. The invoice token is transmitted to a payment services computer to request details of the invoice. The requested invoice details are received from the payment service computer, and an account is selected to support payment for the transaction. A payment transaction is initiated to settle the e-commerce transaction based on the invoice details and the account that was selected to support the payment.

公开(公告)号：US20230169478A1

公开(公告)日：2023-06-01

申请号：US18102220

申请日：2023-01-27

Applicant: MasterCard International Incorporated

Inventor： Yen Tran ,  Shanthan Subramaniam

IPC: G06Q20/10 ,  G06Q20/32 ,  G06Q20/02 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02

CPC classification number: G06Q20/108 ,  G06Q20/3274 ,  G06Q20/10 ,  G06Q20/027 ,  G06Q20/3223 ,  G06Q20/385 ,  G06Q20/40145 ,  G06Q40/02

Abstract: An optical scan triggered electronic funds transfer (EFT) method. In an embodiment, a payment services provider computer receives a request for a dynamic quick response (QR) code, generates the dynamic QR code, transmits the dynamic QR code to the POS device and receives a transaction request from a user mobile device proposing a payment transaction without identifying any financial account that belongs to the merchant. The payment services provider computer then transmits a message to the user mobile device prompting the user to confirm the payment transaction, receives an indication confirming the payment transaction and then initiates an electronic funds transfer (EFT) in an EFT system for the transaction amount from a user account to a merchant account.

公开(公告)号：US20190095886A1

公开(公告)日：2019-03-28

申请号：US15712910

申请日：2017-09-22

Applicant: MasterCard International Incorporated

Inventor： Yen Tran ,  Shanthan Subramaniam

IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/02

Abstract: A transaction request is received. The transaction request includes a merchant identifier. The merchant identifier is for identifying a merchant. The merchant's banking details are appended to the transaction request. The transaction request, with the appended banking details, is transmitted to a user's bank. Confirmation is received that a transaction has been performed in accordance with the transaction request. A confirmation is transmitted to the merchant to indicate that the transaction has been performed.