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1. 发明授权

US10832533B2 Receipt processing and access service 有权
公开(公告)号：US10832533B2
公开(公告)日：2020-11-10
申请号：US14808261
申请日：2015-07-24
申请人： MasterCard International Incorporated
发明人： Simon Phillips , James J. Anderson , Oran Cummins
IPC分类号： G07G5/00 , G06Q20/40 , G06Q20/04 , G06Q20/32
摘要： A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

2. 发明申请

US20160117895A1 RECEIPT PROCESSING AND ACCESS SERVICE 审中-公开
公开(公告)号：US20160117895A1
公开(公告)日：2016-04-28
申请号：US14808261
申请日：2015-07-24
申请人： MasterCard International Incorporated
发明人： Simon Phillips , James J. Anderson , Oran Cummins
IPC分类号： G07G5/00 , G06Q20/32
摘要： A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

3. 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。

4. 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.

5. 发明授权

US10592963B2 Enhanced smart refrigerator systems and methods 有权
公开(公告)号：US10592963B2
公开(公告)日：2020-03-17
申请号：US15222533
申请日：2016-07-28
申请人： MasterCard International Incorporated
发明人： Christopher John Merz , Derek Humphreys , Oran Cummins , Andrea Rizzini , Stephen Elder , Stephen Toner
IPC分类号： G06Q30/00 , G06Q30/06 , G06F16/2458 , G06F16/2457 , G06Q30/02 , G06Q10/08
摘要： An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.

6. 发明授权

US10170124B2 Voice-controlled computer system 有权
公开(公告)号：US10170124B2
公开(公告)日：2019-01-01
申请号：US14304021
申请日：2014-06-13
申请人： MasterCard International Incorporated
发明人： Oran Cummins
IPC分类号： G10L25/00 , G10L17/24 , G06F21/31 , G02B27/01 , G10L15/22
摘要： A voice-controlled computer system comprising a headset with a heads up display (HUD). When the system requires a user to verbally enter a character of an alphanumeric security code the system presents to the user on the HUD a plurality of different pairs of alphanumeric characters each containing a first character and an associated (pseudo) randomly generated second character. The first character of one pair is the code character to be entered, but for security reasons the user is required to verbally enter the second character associated with the code character, not the code character itself. The system deciphers verbal entry of the associated second character as equivalent to entry of the first character.

7. 发明申请

US20170032446A1 ENHANCED SMART REFRIGERATOR SYSTEMS AND METHODS 审中-公开
标题翻译：增强智能制冷系统和方法
公开(公告)号：US20170032446A1
公开(公告)日：2017-02-02
申请号：US15222533
申请日：2016-07-28
申请人： MasterCard International Incorporated
发明人： Christopher John Merz , Derek Humphreys , Oran Cummins , Andrea Rizzini , Stephen Elder , Stephen Toner
IPC分类号： G06Q30/06 , G06F17/30
CPC分类号： G06Q30/0633 , G06F16/24575 , G06F16/2477 , G06Q10/087 , G06Q30/0202 , G06Q30/0603 , G06Q30/0605 , G06Q30/0641
摘要： An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.
摘要翻译：提供用于自动填充虚拟购物车的增强型智能冰箱（ESR）。 ESR存储包含目标产品的购买历史的购买日志。 ESR基于目标产品的购买历史来确定最近交货日期和建议的下一个交货日期之间的当前间隔，并且基于目标产品的当前间隔和购买历史来计算目标产品的购买倾向，并且如果购买倾向满足第一标准，则自动将产品添加到虚拟购物车以提交给购买目标产品的一方。

8. 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。

9. 发明申请

US20140310182A1 SYSTEMS AND METHODS FOR OUTPUTTING INFORMATION ON A DISPLAY OF A MOBILE DEVICE 审中-公开
标题翻译：用于在移动设备的显示器上输出信息的系统和方法
公开(公告)号：US20140310182A1
公开(公告)日：2014-10-16
申请号：US14249874
申请日：2014-04-10
申请人： MasterCard International Incorporated
发明人： Oran Cummins
IPC分类号： G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/4012 , G06Q20/3274 , G06Q20/3829 , H04W12/00522 , H04W12/04 , H04W12/06
摘要： Disclosed herein is a method for outputting information on a display of a mobile device 104, the method comprising: transmitting, by the mobile device 104, a request to a server for one or more tokens; receiving, by the mobile device 104, one or more tokens from the server; generating, by the mobile device 104, a single use code in dependence on a received token; generating, by the mobile device 104, code data by encoding information, wherein said information is for use in a transaction and comprises the generated single use code, an identification number and/or expiry information; and displaying, by the mobile device 104, an image corresponding to the code data on a display of the mobile device 104. Advantageously, the mobile device securely obtains and generates information for outputting on a display of the mobile device. The information can be transferred from the mobile device by reading an image, corresponding to the information, that is displayed by the mobile device. A user can easily ensure that information is transferred from the mobile device to the intended reading terminal only.
摘要翻译：这里公开了一种用于在移动设备104的显示器上输出信息的方法，所述方法包括：由移动设备104向服务器发送一个或多个令牌的请求; 由移动设备104从服务器接收一个或多个令牌; 由移动设备104根据所接收的令牌生成单个使用代码; 由移动设备104通过编码信息生成代码数据，其中所述信息用于交易，并且包括所生成的单一使用代码，识别号码和/或到期信息; 以及由移动设备104在移动设备104的显示器上显示与代码数据相对应的图像。有利地，移动设备安全地获取并生成用于在移动设备的显示器上输出的信息。可以通过读取与由移动设备显示的信息对应的图像从移动设备传送信息。用户可以轻松地确保信息仅从移动设备传输到预期的阅读终端。

10. 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。

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