公开(公告)号：US12112359B2

公开(公告)日：2024-10-08

申请号：US18144299

申请日：2023-05-08

Applicant: Mastercard International Incorporated

Inventor： Viviane Sabat ,  Andrea Christine Gilman ,  Jennifer Wang ,  Abhinav Bhatt ,  Chhomthyda Chhuan ,  Daniel Bae ,  Alonso Araujo ,  James Nicholas Mortimer ,  Monica Taylor ,  Eitan Ahimor ,  Christopher Murray ,  Mark N. Savoye ,  Robert Pacifico ,  Ashfaq Kamal ,  Karan Sharma

IPC: G06Q30/04 ,  G06F16/25 ,  G06Q10/083 ,  G06Q10/0875 ,  G06Q10/1093 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/03 ,  G06F3/04883

CPC classification number: G06Q30/04 ,  G06F16/258 ,  G06Q10/0838 ,  G06Q10/0875 ,  G06Q10/1095 ,  G06Q20/108 ,  G06Q20/401 ,  G06Q30/0635 ,  G06Q40/03 ,  G06F3/04883

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

公开(公告)号：US11687986B2

公开(公告)日：2023-06-27

申请号：US16874939

申请日：2020-05-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Viviane Sabat ,  Andrea Christine Gilman ,  Jennifer Wang ,  Abhinav Bhatt ,  Chhomthyda Chhuan ,  Daniel Bae ,  Alonso Araujo ,  James Nicholas Mortimer ,  Monica Taylor ,  Eitan Ahimor ,  Christopher Murray ,  Mark N. Savoye ,  Robert Pacifico ,  Ashfaq Kamal ,  Karan Sharma

IPC: G06Q30/04 ,  G06Q10/1093 ,  G06Q10/083 ,  G06Q10/0875 ,  G06Q20/10 ,  G06Q30/0601 ,  G06F16/25 ,  G06Q20/40 ,  G06Q40/03 ,  G06F3/04883

CPC classification number: G06Q30/04 ,  G06F16/258 ,  G06Q10/0838 ,  G06Q10/0875 ,  G06Q10/1095 ,  G06Q20/108 ,  G06Q20/401 ,  G06Q30/0635 ,  G06Q40/03 ,  G06F3/04883

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

公开(公告)号：US20170109773A1

公开(公告)日：2017-04-20

申请号：US14885506

申请日：2015-10-16

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Mark N. Savoye ,  Prashant Sharma

IPC: G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q50/00

CPC classification number: G06Q30/0226 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q50/01

Abstract: A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.

公开(公告)号：US10600053B2

公开(公告)日：2020-03-24

申请号：US15239184

申请日：2016-08-17

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Derek Ryan Reed ,  Jill Boyd Bugh ,  Mark N. Savoye

IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q50/00 ,  H04W12/06

Abstract: A method for verification of user identity includes: storing account profiles, each profile including data related to a user account of a non-financial institution (NFI) entity including an account identifier and an address; receiving a transaction request, the request including a specific account identifier and a transaction amount; identifying an account profile including the specific account identifier; generating a controlled payment number associated with a transaction account of the NFI entity; transmitting a notification to a third party entity including the specific account identifier; transmitting the controlled payment number to a user associated with the user account related to the specific account profile; receiving a data message from the third party entity including the specific account identifier and identification data associated with the user; and updating the specific account profile to include the controlled payment number, the identification data, and a spending limit based on the transaction amount.

公开(公告)号：US20160364795A1

公开(公告)日：2016-12-15

申请号：US14735763

申请日：2015-06-10

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Michael Denis McCarthy ,  Erik Lukas Ekselius ,  Mark N. Savoye

IPC: G06Q40/02 ,  G06Q20/20 ,  G06Q20/40

Abstract: A credit account is established for a merchant. A variable credit limit is set for the credit account. An indication is received that the merchant has accepted a payment account transaction to be charged to a customer's payment account. A transaction amount may be associated with the payment account transaction. The indication may also indicate that the payment account transaction has been authorized by an issuer of the customer's payment account. There may be a response in real time to the indication by instantaneously increasing the variable credit limit for the merchant's credit account by an amount that corresponds to the transaction amount.

Abstract translation: 为商家建立信用账户。 为信用账户设置可变信用额度。 收到商家已经接受支付帐户交易以向客户的支付账户收取的指示。 交易金额可能与支付账户交易相关联。 该指示还可以指示支付账户交易已经被客户的支付账户的发行者授权。 可以通过瞬时增加商家信用账户的可变信用额度与交易量对应的金额来实时地显示该指示。

公开(公告)号：US11620628B2

公开(公告)日：2023-04-04

申请号：US14755262

申请日：2015-06-30

Applicant: MasterCard International Incorporated

Inventor： Amyn Dhala ,  Kimberly Lewis Peyton ,  Tim Mattingly ,  Alain Delperdange ,  Dominique Steenbeek ,  Gregory Coburn ,  Susan Rassbach ,  Mark N. Savoye ,  Benjamin Dessy ,  Karen Randell ,  Brad Dickinson ,  Navjot Sidhu ,  Corey Hively

IPC: G06Q20/32 ,  G06Q20/34 ,  G06Q20/40

Abstract: A method for fraud control of a transaction account based on geolocation includes: storing, in an account database, an account profile including data related to a transaction account including a first profile rule associated with a first geographic area and a second profile rule associated with a second geographic area different from the first; receiving an authorization request for a first transaction involving a first payment card, the request including a first geographic location; receiving an authorization request for a second transaction involving a second payment card, the request including a second geographic location; determining validation for each authorization request, wherein each is determined to be valid if the geographic location is in a geographic area corresponding to the first geographic area or the second geographic area; and transmitting the determination of validation for each authorization request to a payment network for processing of the associated payment transaction.

公开(公告)号：US20170337585A1

公开(公告)日：2017-11-23

申请号：US15156700

申请日：2016-05-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark N. Savoye ,  Travis M. Carpenter ,  Kyle P. Clark

IPC: G06Q30/02 ,  H04W4/12

CPC classification number: G06Q30/0267 ,  G06Q30/0251 ,  G06Q30/0261 ,  G06Q30/0269 ,  H04W4/12

Abstract: Systems and methods are provided for directing advertising content to advertising media specific to one or more consumers proximate the advertising media. An example method includes receiving, by a computing device, a media proximity message (MPM) associated with an advertising medium. The method also includes accessing, by the computing device, location context for the advertising medium from an advertising media data structure, based on an advertising medium identifier in the MPM, and accessing a consumer profile for the consumer, based on a consumer identifier in the MPM, from a consumer profiles data structure. The method further includes selecting, by the computing device, an advertising content, from an advertising content data structure, based on at least the consumer profile and the location context, and causing the selected advertising content to be displayed at the advertising medium.

公开(公告)号：US20160110696A1

公开(公告)日：2016-04-21

申请号：US14884151

申请日：2015-10-15

Applicant: MasterCard International Incorporated

Inventor： Michael David Angus ,  John Beric ,  David Colby Brown ,  Chanoch Henuch Gewirtz ,  Salah Malaika Goss ,  Dennis J. Hill ,  Patrick L. Killian ,  Sandeep Malhotra ,  Paul Michael Musser ,  Tara Nathan ,  David Anthony Roberts ,  Mark N. Savoye ,  Dave Sylvester

IPC: G06Q20/10 ,  G06Q20/36

CPC classification number: G06Q20/108 ,  G06Q20/367

Abstract: One or more embodiments provide a system and method comprising receiving at a device a first token associated with a first account; executing a transaction; recording the executed transaction at each of the device and the first token, wherein the execution of the transaction is offline; and balancing the account associated with the first token per the transaction when the first token is online after the executed transaction. Numerous other aspects are provided.

Abstract translation: 一个或多个实施例提供一种系统和方法，包括在设备处接收与第一帐户相关联的第一令牌; 执行交易; 在所述设备和所述第一令牌的每一个处记录所执行的交易，其中所述交易的执行是脱机的; 并且在执行的事务之后，当第一个令牌联机时，平衡每个事务与第一个令牌相关联的帐户。 提供了许多其他方面。