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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

US20140195435A1 METHOD AND SYSTEM FOR FACILITATING MICROPAYMENTS IN A FINANCIAL TRANSACTION SYSTEM 审中-公开
标题翻译：促进金融交易系统中微量元素的方法和系统
公开(公告)号：US20140195435A1
公开(公告)日：2014-07-10
申请号：US14205122
申请日：2014-03-11
申请人： MasterCard International Incorporated
发明人： Garry LYONS , Oran Cummins , Donghao Huang
IPC分类号： G06Q20/06 , G06Q20/22
CPC分类号： G06Q20/065 , G06Q20/0655 , G06Q20/227 , G06Q20/29 , G06Q20/381
摘要： A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.
摘要翻译：用于处理帐户的系统包括被配置为存储多个帐户的数据库，所述帐户包括与消费者相关联的消费者账户以及包括与商家相关联的交易商家帐户的多个商家账户，其中至少一个帐户包括金额与该帐户相关联的虚拟货币。该系统还包括处理器，其被配置为处理金融交易，其中交易包括消费者和商家，是针对指定数量的虚拟货币，并且处理交易包括将指定数量的虚拟货币从消费者账户转移到交易商户帐号。所述处理器还被配置为处理所述至少一个帐户，其中处理所述至少一个帐户包括当所述至少一个帐户满足预定标准时将所述相关联的虚拟货币量转换为或从实际货币转换。

3. 发明申请

US20130226801A1 METHOD AND SYSTEM FOR FACILITATING MICROPAYMENTS IN A FINANCIAL TRANSACTION SYSTEM 有权
公开(公告)号：US20130226801A1
公开(公告)日：2013-08-29
申请号：US13741241
申请日：2013-01-14
申请人： MasterCard International Incorporated
发明人： Garry LYONS , Oran Cummins , Donghao Huang
IPC分类号： G06Q20/22
CPC分类号： G06Q20/065 , G06Q20/0655 , G06Q20/227 , G06Q20/29 , G06Q20/381
摘要： A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.

4. 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。

5. 发明授权

US08712914B2 Method and system for facilitating micropayments in a financial transaction system 有权
标题翻译：促进金融交易系统中的小额支付的方法和系统
公开(公告)号：US08712914B2
公开(公告)日：2014-04-29
申请号：US13741241
申请日：2013-01-14
申请人： MasterCard International Incorporated
发明人： Garry Lyons , Oran Cummins , Donghao Huang
IPC分类号： G06Q20/40
CPC分类号： G06Q20/065 , G06Q20/0655 , G06Q20/227 , G06Q20/29 , G06Q20/381
摘要： A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.
摘要翻译：用于处理帐户的系统包括被配置为存储多个帐户的数据库，所述帐户包括与消费者相关联的消费者账户以及包括与商家相关联的交易商家帐户的多个商家账户，其中至少一个帐户包括金额与该帐户相关联的虚拟货币。该系统还包括处理器，其被配置为处理金融交易，其中交易包括消费者和商家，是针对指定数量的虚拟货币，并且处理交易包括将指定数量的虚拟货币从消费者账户转移到交易商户帐号。所述处理器还被配置为处理所述至少一个帐户，其中处理所述至少一个帐户包括当所述至少一个帐户满足预定标准时将所述相关联的虚拟货币量转换为或从实际货币转换。

6. 发明授权

US11640601B2 Method and system for regulation of blockchain transactions 有权
公开(公告)号：US11640601B2
公开(公告)日：2023-05-02
申请号：US17005484
申请日：2020-08-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Donghao Huang , Hancong Guan , Srinath Ravinathan , Mohammed Sadiq Ahmad , Rajasekaran Dhamodharan , Steven C. Davis , Rakesh Yadav , Sébastien Le Callonnec , David James Fleming
IPC分类号： G06Q20/36 , G06Q20/40 , H04L9/06 , H04L9/30 , H04L9/00
摘要： A method for assisting wallet providers in regulatory compliance for blockchain transactions includes: receiving, by a receiver of a processing server, a new blockchain transaction from a first computing device, the new blockchain including at least a destination address associated with a blockchain wallet as a recipient for the new blockchain transaction; generating, by a processor of the processing server, a reference identifier for the new blockchain transaction; identifying, by the processor of the processing server, a profile for the blockchain wallet based on the destination address; transmitting, by a transmitter of the processing server, the reference identifier to the first computing device; and transmitting, by the transmitter of the processing server, a notification message to a second computing device, the notification message including at least the reference identifier and data associated with the blockchain wallet.

7. 发明申请

US20220067711A1 METHOD AND SYSTEM FOR REGULATION OF BLOCKCHAIN TRANSACTIONS 有权
公开(公告)号：US20220067711A1
公开(公告)日：2022-03-03
申请号：US17005484
申请日：2020-08-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Donghao Huang , Hancong Guan , Srinath Ravinathan , Mohammed Sadiq Ahmad , Rajasekaran Dhamodharan , Steven C. Davis , Rakesh Yadav , Sébastien Le Callonnec , David James Fleming
IPC分类号： G06Q20/36 , G06Q20/40 , H04L9/30 , H04L9/06
摘要： A method for assisting wallet providers in regulatory compliance for blockchain transactions includes: receiving, by a receiver of a processing server, a new blockchain transaction from a first computing device, the new blockchain including at least a destination address associated with a blockchain wallet as a recipient for the new blockchain transaction; generating, by a processor of the processing server, a reference identifier for the new blockchain transaction; identifying, by the processor of the processing server, a profile for the blockchain wallet based on the destination address; transmitting, by a transmitter of the processing server, the reference identifier to the first computing device; and transmitting, by the transmitter of the processing server, a notification message to a second computing device, the notification message including at least the reference identifier and data associated with the blockchain wallet.

8. 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.

9. 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.

10. 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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