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1. 发明公开

EP3417410A1 SYSTEMS AND METHODS FOR PRE-PROCESSING NETWORK MESSAGES TO OPTIMIZE ROUTING 审中-公开
公开(公告)号：EP3417410A1
公开(公告)日：2018-12-26
申请号：EP17706134.8
申请日：2017-02-14
申请人： Mastercard International Incorporated
发明人： LORBERG, Dana, J. , MALHOTRA, Sandeep
IPC分类号： G06Q20/00 , G06Q20/40 , G06Q10/06 , G06Q30/06
CPC分类号： G06Q20/40 , G06Q10/06 , G06Q20/00 , G06Q20/382 , G06Q30/06 , H04L45/14
摘要： A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. Each potential authorization route includes routing parameters and is associated with a respective transaction processing network (TPN). The MRP computing device is also configured to compare the authorization parameters to the routing parameters of each potential authorization route to determine an optimized authorization route for the authorization request message. The optimized authorization route includes routing parameters that most closely match the authorization parameters. The optimized authorization route is associated with a first TPN. The MRP computing device is further configured to route the authorization request message to the first TPN for authorization processing.

2. 发明公开

EP3407282A1 SYSTEM AND METHOD FOR PERFORMING A TRANSACTION RESPONSIVE TO A MOBILE DEVICE 审中-公开
公开(公告)号：EP3407282A1
公开(公告)日：2018-11-28
申请号：EP18163224.1
申请日：2011-01-06
申请人： Ping Identity Corporation
发明人： WEINER, Avish Jacob , NE'MAN, Ran
IPC分类号： G06Q20/42 , G06Q20/20 , G06Q20/32
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/32 , G06Q20/3221 , G06Q20/3255 , G06Q20/3278 , G06Q20/352 , G06Q20/425
摘要： A transaction system for use in cooperation with a client mobile device, the transaction system constituted of: a provider associated device arranged to obtain an identifier associated with the client mobile device; and a transaction server in communication with the provider associated device. The provider associated device is arranged to output a transaction request message comprising information regarding the obtained identifier of the client mobile device. The transaction server, responsive to the transaction request message, is arranged to process the received transaction request message in accordance with one of a plurality of processing paths responsive to an attribute of the received transaction request message.

3. 发明授权

EP2430602B1 VERIFICATION OF PORTABLE CONSUMER DEVICES 有权
公开(公告)号：EP2430602B1
公开(公告)日：2018-11-28
申请号：EP10775620.7
申请日：2010-05-14
申请人： Visa International Service Association
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00 , G06F21/00 , H04L9/32 , G06F21/31 , G06F21/35 , G06Q20/12 , G06Q20/32 , G06Q20/20 , G06Q20/38 , G06Q20/40 , G06Q20/42
CPC分类号： G06Q20/20 , G06F21/31 , G06F21/35 , G06Q20/12 , G06Q20/3255 , G06Q20/385 , G06Q20/40 , G06Q20/425
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.

4. 发明公开

EP3400552A1 SECURE AUTHENTICATION USING BIOMETRIC INPUT 审中-公开
公开(公告)号：EP3400552A1
公开(公告)日：2018-11-14
申请号：EP16884119.5
申请日：2016-01-08
申请人： Visa International Service Association
发明人： MOKHASI, Gaurav Srikant
IPC分类号： G06F21/32 , H04L9/32 , G06Q20/40
CPC分类号： H04L63/0861 , G06F21/32 , G06F2221/2115 , G06Q20/40 , G06Q20/40145 , H04L9/321 , H04L9/3231 , H04L63/102 , H04L2209/56
摘要： A method is disclosed. The method includes receiving, by a computing device, one or more inputs caused by at least one left-eye wink by a user or at least one right-eye wink by the user. The method further includes converting the one or more inputs into a numeric value. The method further includes authorizing the user based on the numeric value of the one or more inputs.

5. 发明公开

EP3396609A1 STORING TRANSACTION DATA 审中-公开
公开(公告)号：EP3396609A1
公开(公告)日：2018-10-31
申请号：EP18169972.9
申请日：2018-04-27
申请人： Flux Systems Limited
发明人： REAY, Thomas , CUSDEN-ROSS, Matty Seth
IPC分类号： G06Q20/04 , G06Q20/32 , G06Q20/38 , G06Q20/20
CPC分类号： G06Q30/0226 , G06F21/602 , G06Q20/0453 , G06Q20/209 , G06Q20/32 , G06Q20/387 , G06Q20/40
摘要： A system and method are provided for processing and storing transaction data for users. A plurality of merchant terminals (34) process and store transaction payment information. The server system (26) receives transaction data from the merchant terminals and corresponding purchase verification data from one or more financial institutions (28). This server system matches the transaction data to purchased verification data and can send transaction data which matches purchase verification data to respective user terminals (20), and the respective user terminals are each able to store received transaction data for future access by the respective user.

6. 发明公开

EP3387604A1 SYSTEMS AND METHODS FOR UTILIZING VEHICLE CONNECTIVITY IN ASSOCIATION WITH PAYMENT TRANSACTIONS 审中-公开
公开(公告)号：EP3387604A1
公开(公告)日：2018-10-17
申请号：EP16816139.6
申请日：2016-12-07
申请人： Mastercard International Incorporated
发明人： CHENG, Richard , FRIEDMAN, Michael, J. , LEE, Charles, Sangwon , LOPES, Vitorino, Jose, Pereira
IPC分类号： G06Q20/38 , G06Q20/40
CPC分类号： G06Q30/0635 , G06Q20/322 , G06Q20/36 , G06Q20/382 , G06Q20/40
摘要： Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

7. 发明公开

EP3374843A1 BROWSER EXTENSION WITH ADDITIONAL CAPABILITIES 审中-公开
公开(公告)号：EP3374843A1
公开(公告)日：2018-09-19
申请号：EP16865048.9
申请日：2016-11-10
申请人： Visa International Service Association
发明人： MUCHANG, Yobel , TRUSHCHENKOVA, Svetlana , SOMAIYA, Mayank , JABBARA, Michael , BADLEY, David
IPC分类号： G06F3/00
CPC分类号： G06Q20/40 , G06F3/0481 , G07G1/0009 , H04L67/02
摘要： In one aspect, an expedited payment service is accessed through a browser extension. As an extension operates in a manner in which it has access to the underlying merchant data, the extension may allow an expedited payment service to work with virtually any merchant web site.

8. 发明公开

EP3369049A1 SYSTEMS AND METHODS FOR UPDATING STORED CARDHOLDER ACCOUNT DATA 审中-公开
公开(公告)号：EP3369049A1
公开(公告)日：2018-09-05
申请号：EP16791246.8
申请日：2016-10-26
申请人： Mastercard International Incorporated
发明人： ROSANO, Sharon, A.
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q20/40
CPC分类号： G06Q20/102 , G06Q10/00 , G06Q20/00 , G06Q20/40 , G06Q20/405 , G06Q20/409 , G06Q40/12
摘要： A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.

9. 发明公开

EP3364359A1 MOBILE CARD PAYMENT SYSTEM FOR PERFORMING CARD PAYMENT BETWEEN MOBILE COMMUNICATION TERMINALS AND METHOD THEREFOR 审中-公开
公开(公告)号：EP3364359A1
公开(公告)日：2018-08-22
申请号：EP16855800.5
申请日：2016-10-17
申请人： Hankooknfc Inc.
发明人： HWANG, Seung Ig
IPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/16 , G06Q20/04 , G06Q20/38 , G06Q20/40 , G06Q30/02
CPC分类号： G06Q20/322 , G06Q20/04 , G06Q20/16 , G06Q20/223 , G06Q20/34 , G06Q20/351 , G06Q20/40
摘要： The present invention relates to a mobile card payment system and method, and more particularly, to a mobile card payment system and method for performing a card payment between mobile communication terminals on the basis of a phone-to-phone payment concept wherein the mobile card payment system is capable of performing a card payment by storing at least one of actual card information and virtual card information regarding normal financial cards including an actual financial card, which has a plastic solid body, and a digital financial card, in which actual card information is stored in a digital type and used, in a card-terminal-specific mobile communication terminal, setting a payment-terminal-specific mobile communication terminal as a card payment terminal, and reading the card information stored in the card-terminal-specific mobile communication terminal. Also, the present invention relates to a mobile card payment system and method for performing a card payment between mobile communication terminals on the basis of a phone-to-phone payment concept wherein the mobile card payment system is capable of receiving an electronic receipt between mobile communication terminals by transmitting information regarding a transaction slip to a card-terminal-specific mobile communication terminal of a user without having to issue a paper receipt to a user after payment approval issued by a payment-terminal-specific mobile communication terminal of a member shop is complete. Addition of content of an electronic receipt to the abstract, as well as application of the promotion service, is based on a consideration of business-oriented content delivery. This is because the advantageous effect of the present invention wherein a promotion service, which may be inconvenient solely on the basis of a virtual card number, is supplemented by replacing the same with an actual card number, and an electronic receipt can be substituted for paper receipt issuance, is an important function of the present invention in addition to payment.

10. 发明公开

EP3362973A1 COMPREHENSIVE, SYSTEMIC CUSTOMER LOYALTY PROGRAM 审中-公开
公开(公告)号：EP3362973A1
公开(公告)日：2018-08-22
申请号：EP16777869.5
申请日：2016-09-23
申请人： Mastercard International Incorporated
发明人： BHAGAT, Deepankar , SAVOYE, Mark, N. , SHARMA, Prashant
IPC分类号： G06Q30/02 , H04W12/06
CPC分类号： G06Q30/0226 , G06Q20/206 , G06Q20/40 , G06Q50/01
摘要： 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.

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