公开(公告)号：US20160071205A1

公开(公告)日：2016-03-10

申请号：US14925279

申请日：2015-10-28

Applicant: MasterCard International Incorporated

Inventor： Dennis J. Hill ,  Sandeep Malhotra ,  Sara E. Fiebiger ,  Dana Lorberg ,  Patrick Killian ,  Andrew D. Campbell

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3223 ,  G06Q40/00

Abstract: Methods and systems for providing currency conversion cost estimates to customer mobile devices. In an embodiment, a payment system includes a translation computer and receives, from a customer mobile telephone, a currency conversion inquiry that includes the customer's mobile telephone number, local currency data and transaction amount data. The translation computer translates the customer's mobile telephone number into a customer payment card account number, transmits a currency conversion request to a currency conversion computer, and receives a currency conversion estimate in a home currency. The estimate includes a current foreign exchange rate plus an issuer conversion fee. The payment system computer then transmits the currency conversion estimate to the customer's mobile telephone.

Abstract translation: 为客户移动设备提供货币转换成本估算的方法和系统。 在一个实施例中，支付系统包括翻译计算机，并从客户移动电话接收包括客户的移动电话号码，本地货币数据和交易金额数据的货币换算查询。 翻译计算机将客户的移动电话号码翻译成客户支付卡帐号，将货币兑换请求传送到货币兑换计算机，并且以本国货币接收货币换算估计。 估计包括现行外汇加上发行人转换费用。 然后，支付系统计算机将货币转换估计值发送给客户的移动电话。

公开(公告)号：US20150066756A1

公开(公告)日：2015-03-05

申请号：US14535698

申请日：2014-11-07

Applicant: MasterCard International Incorporated

Inventor： Patrick Killian ,  Sandeep Malhotra

IPC: G06Q20/02 ,  G06Q20/10

CPC classification number: G06Q20/027 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40

Abstract: Systems and methods for person-to-person and person-to-merchant remittances from a person having a closed loop system account to merchants who are not members of the closed loop system. In an embodiment, a payment gateway computer receives a remittance transaction request from a payment services provider (PSP) computer associated with a closed-loop system, maps an alias identifier into a shadow account number assigned to the sender in an open-loop payment authorization system, determines that the alias identifier mapped into a valid shadow account number, debits a stored value account for the remittance transaction amount, credits a shadow account in the open-loop payment authorization system for the remittance transaction amount, generates an authorization request for an open-loop payment transaction and transmits it to the open-loop payment authorization system, receives an authorization response from the open-loop payment authorization system, and transmits an approval response.

Abstract translation: 从具有闭环系统账户的人员到不是闭环系统成员的商人的个人对个人和商人的汇款的系统和方法。 在一个实施例中，支付网关计算机从与闭环系统相关联的支付服务提供商（PSP）计算机接收汇款交易请求，将别名标识符映射到在开环支付授权中分配给发送者的影子帐号 系统，确定映射到有效影子帐号的别名标识符，借记存储值帐户的汇款交易金额，将开立付款授权系统中的影子帐户记入汇款交易金额，生成授权请求 开环支付交易，并将其发送到开环支付授权系统，从开环支付授权系统接收授权响应，并发送批准响应。

公开(公告)号：US20140289125A1

公开(公告)日：2014-09-25

申请号：US14299213

申请日：2014-06-09

Applicant: MasterCard International Incorporated

Inventor： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Ping Wong ,  Dana Lorberg ,  Carl Jansson

IPC: G06Q20/10 ,  G06Q20/40

CPC classification number: G06Q40/12 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10

Abstract: Methods and apparatus for conducting a payment card system payment transaction initiated from a customer's mobile device. In an embodiment, the customer's mobile device processor receives transaction information from a payment services provider computer, and generates a request for a payment transaction including a customer identification code that identifies the customer's payment card account, the transaction amount, and instructions to transfer funds from the payment card account to a merchant payment card account. The method includes transmitting the payment transaction request to the payment services provider computer, receiving a challenge to provide at least one item of security information, transmitting the security information to the payment services provider, and then receiving a confirmation message indicating execution of the payment transaction.

Abstract translation: 用于进行从客户的移动设备发起的支付卡系统支付交易的方法和装置。 在一个实施例中，客户的移动设备处理器从支付服务提供商计算机接收交易信息，并且生成对支付交易的请求，该请求包括识别客户的支付卡账户的客户识别码，交易金额以及从 支付卡帐户到商家支付卡账户。 该方法包括向支付服务提供者计算机发送支付交易请求，接收挑战以提供至少一个安全信息项，将支付服务提供者发送安全信息，然后接收指示执行支付交易的确认消息 。

公开(公告)号：US20140032381A1

公开(公告)日：2014-01-30

申请号：US14039180

申请日：2013-09-27

Applicant: MasterCard International Incorporated

Inventor： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Ping Wong ,  Dana Lorberg

IPC: G06Q40/00

CPC classification number: G06Q40/12 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10

Abstract: A method includes a processor receiving transaction information from a merchant device, which includes a transaction amount, merchant identifying information and customer addressing information. The processer transmits the merchant identifying information to a customer mobile device, and receives a payment transaction request to transfer funds from a customer account to a merchant. The processor translates the customer addressing information into a customer payment card account number, and the merchant identifying information into a merchant payment card account number. The processor then transmits the payment transaction request to the customer's issuer financial institution, which request includes the customer payment card account number, the transaction amount, and the merchant payment card account number.

Abstract translation: 一种方法包括处理器，其接收来自商家设备的交易信息，其包括交易金额，商家识别信息和客户寻址信息。 处理者将商家识别信息发送给客户移动装置，并且接收到从客户帐户向商家转移资金的支付交易请求。 处理器将客户寻址信息转换成客户支付卡帐号，商家将信息识别为商家支付卡帐号。 然后，处理器将支付交易请求发送给客户的发行人金融机构，该请求包括客户支付卡帐号，交易金额和商家支付卡帐号。

公开(公告)号：US10664832B2

公开(公告)日：2020-05-26

申请号：US15829296

申请日：2017-12-01

Applicant: MasterCard International Incorporated

Inventor： Patrick Killian ,  Sandeep Malhotra

IPC: G06Q20/36 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/40

Abstract: Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.

公开(公告)号：US20180089666A1

公开(公告)日：2018-03-29

申请号：US15829296

申请日：2017-12-01

Applicant: MasterCard International Incorporated

Inventor： Patrick Killian ,  Sandeep Malhotra

IPC: G06Q20/36 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/36 ,  G06Q20/105 ,  G06Q20/349 ,  G06Q20/351 ,  G06Q20/40

Abstract: Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.

公开(公告)号：US09767442B2

公开(公告)日：2017-09-19

申请号：US14535698

申请日：2014-11-07

Applicant: MasterCard International Incorporated

Inventor： Patrick Killian ,  Sandeep Malhotra

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

CPC classification number: G06Q20/027 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40

Abstract: Systems and methods for person-to-person and person-to-merchant remittances from a person having a closed loop system account to merchants who are not members of the closed loop system. In an embodiment, a payment gateway computer receives a remittance transaction request from a payment services provider (PSP) computer associated with a closed-loop system, maps an alias identifier into a shadow account number assigned to the sender in an open-loop payment authorization system, determines that the alias identifier mapped into a valid shadow account number, debits a stored value account for the remittance transaction amount, credits a shadow account in the open-loop payment authorization system for the remittance transaction amount, generates an authorization request for an open-loop payment transaction and transmits it to the open-loop payment authorization system, receives an authorization response from the open-loop payment authorization system, and transmits an approval response.

公开(公告)号：US20150095225A1

公开(公告)日：2015-04-02

申请号：US14504615

申请日：2014-10-02

Applicant: MasterCard International Incorporated

Inventor： Venu Appana ,  Maurice David Liscia ,  Patrick Killian

IPC: G06Q20/36 ,  G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/3674 ,  G06Q20/027 ,  G06Q20/227 ,  G06Q20/363

Abstract: Systems and methods that synchronize consumer accounts between disparate payment account systems. In some embodiments, a payment network receives an authorization request for a consumer transaction from a merchant acquirer processor including original payment credentials. The process includes transmitting a query to credential mapping database, receiving a response including a primary account number (PAN) and a multi-entity flag, transmitting the authorization request to an issuer financial institution (FI), receiving an approval response from the issuer FI. The process also includes routing the authorization request and the multi-entity flag to a payment gateway to forward to an appropriate stored value account (SVA) processor, receiving a disposition message indicating approval of the transaction by the SVA processor, and transmitting an authorization response to the merchant acquirer processor.

Abstract translation: 在不同的支付账户系统之间同步消费者帐户的系统和方法。 在一些实施例中，支付网络从包括原始支付凭证的商家获取者处理器接收消费者交易的授权请求。 该过程包括将查询发送到凭证映射数据库，接收包括主帐号（PAN）和多实体标志的响应，将授权请求发送给发行者金融机构（FI），从发行方FI接收批准响应 。 该过程还包括将授权请求和多实体标志路由到支付网关以转发到适当的存储值帐户（SVA）处理器，接收指示由SVA处理器批准交易的处置消息，以及发送授权响应 到商家收单处理器。

公开(公告)号：US20130290182A1

公开(公告)日：2013-10-31

申请号：US13931144

申请日：2013-06-28

Applicant: MasterCard International Incorporated

Inventor： Dennis J. Hill ,  Sandeep Malhotra ,  Sara E. Fiebiger ,  Dana Lorberg ,  Patrick Killian ,  Andrew D. Campbell

IPC: G06Q20/32

CPC classification number: G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3223 ,  G06Q40/00

Abstract: Methods and apparatus for conducting a funds transfer. In an embodiment, a translation computer receives an inquiry that includes a mobile telephone number from a payment system computer. The process includes accessing a computer database, translating the mobile telephone number into a payment card account number, and then transmitting, by the translation computer to the payment system computer, the payment card account number in response to the inquiry.

Abstract translation: 进行资金转账的方法和手段。 在一个实施例中，翻译计算机从支付系统计算机接收包括移动电话号码的查询。 该过程包括访问计算机数据库，将移动电话号码翻译成支付卡帐号，然后由翻译计算机向支付系统计算机发送响应于该查询的支付卡帐号。