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1. 发明申请

US20170178121A1 SYSTEM AND METHOD FOR PROVIDING INSTRUCTIONS TO A PAYMENT DEVICE 审中-公开
公开(公告)号：US20170178121A1
公开(公告)日：2017-06-22
申请号：US15381376
申请日：2016-12-16
申请人： MasterCard International Incorporated
发明人： David Anthony Roberts , Donghao Huang , Jiaming Li , Bensam Joyson , Hao Tang , Yong Wei Chin
IPC分类号： G06Q20/34
CPC分类号： G06Q20/341 , G06Q20/20 , G06Q20/3552 , G06Q20/3563 , G06Q20/3676
摘要： A method of providing instructions to a payment device, wherein instructions are generated without requiring data from the payment device, the method comprising: delivering instructions that are part of an ordered sequence of instructions to a payment device; and identifying instructions that should be applied out of sequence without preventing the delivery of subsequent instructions in a sequence. A method of receiving instructions at a payment device and a payment device are also provided.

2. 发明申请

US20140358788A1 Method for Receiving an Electronic Receipt of an Electronic Payment Transaction Into a Mobile Device 审中-公开
标题翻译：将电子支付交易的电子收据接收到移动装置中的方法
公开(公告)号：US20140358788A1
公开(公告)日：2014-12-04
申请号：US14291570
申请日：2014-05-30
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Oran Cummins , Bensam Joyson , Donghao Huang
IPC分类号： G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/0453 , G06Q20/32 , G06Q20/385
摘要： According to one embodiment of the present disclosure, there is provided a method for receiving an electronic receipt of an electronic payment transaction into a mobile device, the method comprising: storing, into an installed application in the mobile device used to perform the electronic payment transaction, a unique transaction identity issued on the electronic payment transaction; generating, in a server, an electronic receipt issued on the electronic payment transaction; verifying that the electronic receipt matches against the unique transaction identity stored in the installed application; and receiving the electronic receipt into the mobile device in response to the verifying step determining that the electronic receipt matches against the unique transaction identity stored in the installed application. Also provided is a mobile device for receiving an electronic receipt of an electronic payment transaction and a system for receiving an electronic receipt of an electronic payment transaction into a mobile device.
摘要翻译：根据本公开的一个实施例，提供了一种用于将电子支付交易的电子接收接收到移动设备中的方法，所述方法包括：将所述移动设备中安装的应用存储在用于执行电子支付交易的移动设备中，电子支付交易发行的独特交易身份; 在服务器中生成在电子支付交易上发行的电子收据; 验证电子收据与存储在安装的应用程序中的唯一交易身份相匹配; 以及响应于所述验证步骤确定所述电子收据与存储在所安装的应用中的唯一交易身份匹配的所述验证步骤，将所述电子收据接收到所述移动设备中。还提供了用于接收电子支付交易的电子收据的移动装置和用于接收电子支付交易的电子收据到移动装置的系统。

3. 发明授权

US10083427B2 Method for receiving an electronic receipt of an electronic payment transaction into a mobile device 有权
公开(公告)号：US10083427B2
公开(公告)日：2018-09-25
申请号：US14291570
申请日：2014-05-30
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Oran Cummins , Bensam Joyson , Donghao Huang
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00 , G06Q20/04 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/0453 , G06Q20/32 , G06Q20/385
摘要： According to one embodiment of the present disclosure, there is provided a method for receiving an electronic receipt of an electronic payment transaction into a mobile device, the method comprising: storing, into an installed application in the mobile device used to perform the electronic payment transaction, a unique transaction identity issued on the electronic payment transaction; generating, in a server, an electronic receipt issued on the electronic payment transaction; verifying that the electronic receipt matches against the unique transaction identity stored in the installed application; and receiving the electronic receipt into the mobile device in response to the verifying step determining that the electronic receipt matches against the unique transaction identity stored in the installed application. Also provided is a mobile device for receiving an electronic receipt of an electronic payment transaction and a system for receiving an electronic receipt of an electronic payment transaction into a mobile device.

4. 发明申请

US20180047047A1 Systems and Methods for Use in Incentivizing Consumers to Adjust Utility Usage 审中-公开
公开(公告)号：US20180047047A1
公开(公告)日：2018-02-15
申请号：US15236893
申请日：2016-08-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Bensam Joyson , Jie Zhang , Neeraj Javiya , Andrew J. Smith , Akshita Goyal
IPC分类号： G06Q30/02 , G06Q50/06
CPC分类号： G06Q30/0234 , G06Q50/06
摘要： Exemplary systems and methods are provided for incentivizing consumers to adjust utility usage at their premises. One exemplary method includes receiving, at a computing device, from a utility provider, a challenge defining a reduction in a utility usage by a consumer, in exchange for an incentive, and causing, by the computing device, the challenge to be delivered to the consumer. Then, when the challenge is completed, the method includes causing the incentive to be awarded to the consumer, whereby the utility provider is able to affect utility usage by the consumer through the incentive-based challenge.

5. 发明申请

US20190325429A1 PUSH PAYMENTS TO VIRTUAL PAYMENT CARD NETWORK ACCOUNTS 审中-公开
公开(公告)号：US20190325429A1
公开(公告)日：2019-10-24
申请号：US16387988
申请日：2019-04-18
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Donghao Huang , Mikel J Irkliewskij , Hao Tang , Bensam Joyson
IPC分类号： G06Q20/34 , G06Q20/14
摘要： A request for a payment transaction is received. The request originates from a user. The request includes a token. The token represents a virtual card account. The virtual card account is associated with a merchant's master account. The payment transaction is for crediting the merchant's master account. The virtual card account is associated with a purpose for the payment transaction. The request is mapped to the purpose for the transaction. After the mapping, a message is transmitted to the merchant. The message indicates: (a) that the payment transaction has occurred; and (b) the purpose for the transaction.

6. 发明申请

US20170178111A1 SYSTEM AND METHOD FOR USING MULTIPLE BALANCES WITH A SINGLE PAYMENT DEVICE 审中-公开
公开(公告)号：US20170178111A1
公开(公告)日：2017-06-22
申请号：US15381387
申请日：2016-12-16
申请人： MasterCard International Incorporated
发明人： David Roberts , Donghao Huang , Jiaming Li , Bensam Joyson , Hao Tang , Yong Wei Chin
IPC分类号： G06Q20/22 , G06Q40/02 , G06Q20/10
CPC分类号： G06Q20/227 , G06Q20/102 , G06Q20/3433 , G06Q20/349 , G06Q20/3552 , G06Q20/3572 , G06Q40/02
摘要： A transaction system for performing transactions with multiple balances within a single transaction. The transaction system comprises a payment device programmed to record multiple balances and a terminal programmed to interact with the payment device in order to complete a transaction by debiting multiple balances of the payment device within a single transaction. A method of transacting with a transaction device, a payment device and a method of providing commodities to a payment device user are also provided.

7. 发明申请

US20150196845A1 METHOD AND SYSTEM FOR PROVIDING SOCIAL GAME USE WITH FINANCIAL CARD TRANSACTIONS 审中-公开
标题翻译：使用财务卡交易提供社会游戏的方法和系统
公开(公告)号：US20150196845A1
公开(公告)日：2015-07-16
申请号：US14152225
申请日：2014-01-10
申请人： MasterCard International Incorporated
发明人： David Klemm , Purvi Jatin Gandhi , Stefania Del Tosto , Michael J. Cowen , Vladimir Rymchuk , Bensam Joyson , Stephen Elder , James Gallagher
IPC分类号： A63F13/792 , G06Q30/02 , A63F13/73 , G06Q20/40
CPC分类号： A63F13/792 , A63F13/73 , G06Q20/405 , G06Q30/0269
摘要： A method for scoring a payment transaction includes: storing consumer profiles, each consumer profile including a consumer identifier, contact information, and team identifier; storing merchant profiles, each merchant profile including a merchant identifier and plurality of team scores; receiving an authorization request for a payment transaction, the request including a consumer identification, merchant identification, and transaction data; identifying a specific consumer profile where the included consumer identifier corresponds to the consumer identification; identifying a specific merchant profile where the included merchant identifier corresponds to the merchant identification; identifying a transaction score for the transaction using one or more scoring rules based on the transaction data; updating, in the specific merchant profile, a team score corresponding to the team identifier included in the specific consumer profile based on the transaction score; and transmitting a notification to a consumer related to the specific consumer profile based on the included contact information.
摘要翻译：用于对支付交易进行评分的方法包括：存储消费者简档，每个消费者简档包括消费者标识符，联系人信息和团队标识符; 存储商家简档，每个商家简档包括商家标识符和多个小组得分; 接收支付交易的授权请求，所述请求包括消费者识别，商家标识和交易数据; 识别包括的消费者标识符对应于消费者标识的特定消费者简档; 识别所包含的商家标识符对应于商家标识的特定商家简档; 使用基于交易数据的一个或多个得分规则来识别交易的交易分数; 在特定商家简档中，基于交易分数来更新与特定消费者简档中包括的团队标识符相对应的团队得分; 以及基于所包括的联系人信息向消费者发送与所述特定消费者简档相关的通知。

8. 发明申请

US20130275213A1 SOCIAL MARKETPLACE APPARATUS AND METHOD 审中-公开
标题翻译：社会市场设备与方法
公开(公告)号：US20130275213A1
公开(公告)日：2013-10-17
申请号：US13784349
申请日：2013-03-04
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Donghao Huang , Jie Zhang , Bensam Joyson , Ross Finch , Thomas Dung Dao Xuan , Rakesh Chauhan , Saurav Ray
IPC分类号： G06Q30/02 , G06Q50/00
CPC分类号： G06Q30/0255 , G06Q50/01
摘要： A system, method, and computer-readable storage medium configured to enable consumers to associate with retail merchants. Product information is received from a user computing device. The product information is matched with promotions and friends that want the product in their wish lists. The user is informed of the promotions and friends, and offered a myriad of options to facilitate product-related transactions with merchants.
摘要翻译：一种系统，方法和计算机可读存储介质，其被配置为使得消费者能够与零售商相关联。从用户计算设备接收产品信息。产品信息与促销和朋友匹配，希望产品在愿望清单中。向用户通知促销活动和朋友，并提供了无数选项，以促进与商家的产品相关交易。

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