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1. 发明授权

US09940623B2 Method and system for facilitating payments on a payment card network 有权
公开(公告)号：US09940623B2
公开(公告)日：2018-04-10
申请号：US15340788
申请日：2016-11-01
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Paul Lawless
IPC分类号： G06K19/00 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/405 , G06Q20/3278 , G06Q20/401
摘要： A computer implemented method of processing a payment request is provided, the method comprising operating a processor of a network node to: (i) determine that a current time is within a predefined period of a payment time associated with a payment profile; (ii) determine an account number, a payment amount and a payment provider associated with the payment profile; (iii) transmit to the payment provider a request for pre-authorization of payment of the payment amount from an account associated with the determined account number; and (iv) responsive to receiving a pre-authorization from the payment provider, associating an authorization indication with the payment profile.

2. 发明申请

US20170046703A1 Method and System for Facilitating Payments on a Payment Card Network 有权
标题翻译：促进支付卡网络付款的方法和系统
公开(公告)号：US20170046703A1
公开(公告)日：2017-02-16
申请号：US15340788
申请日：2016-11-01
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Paul Lawless
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/405 , G06Q20/3278 , G06Q20/401
摘要： A computer implemented method of processing a payment request is provided, the method comprising operating a processor of a network node to: (i) determine that a current time is within a predefined period of a payment time associated with a payment profile; (ii) determine an account number, a payment amount and a payment provider associated with the payment profile; (iii) transmit to the payment provider a request for pre-authorization of payment of the payment amount from an account associated with the determined account number; and (iv) responsive to receiving a pre-authorization from the payment provider, associating an authorization indication with the payment profile.
摘要翻译：提供了一种处理支付请求的计算机实现方法，所述方法包括操作网络节点的处理器以：（i）确定当前时间在与支付简档相关联的支付时间的预定义周期内; （ii）确定与付款简档相关联的帐号，支付金额和支付提供者; （iii）向支付提供者发送与所确定的帐号相关联的帐户中支付金额的预授权请求; 以及（iv）响应于从所述支付提供商接收到预授权，将授权指示与所述支付简档相关联。

3. 发明申请

US20150141063A1 Systems and Methods for Providing Notifications in a Communications System 有权
标题翻译：在通信系统中提供通知的系统和方法
公开(公告)号：US20150141063A1
公开(公告)日：2015-05-21
申请号：US14542204
申请日：2014-11-14
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Paul Lawless
IPC分类号： H04W4/18 , H04W4/12 , H04L1/08
CPC分类号： H04W4/18 , H04L1/08 , H04W4/12
摘要： The present disclosure relates to systems and methods for providing notifications in a communication system. In connection therewith, a first communication is transmitted, by a processor, in accordance with a first communication scheme that defines a first communication service by which the first communication is to be transmitted and a first user device to which the first communication is to be transmitted. The processor estimates whether the first communication was received by the first user device. Responsive to estimating that the first communication was not received by the first user device, the processor operates to determine a further communication scheme, different to the first communication scheme, that defines a further communication service by which a further communication is to be transmitted and a further user device to which the further communication is to be transmitted, and operates to transmit the further communication in accordance with the further communication scheme.
摘要翻译：本公开涉及用于在通信系统中提供通知的系统和方法。与此相关，第一通信由处理器根据定义要发送第一通信的第一通信服务的第一通信方案和要发送第一通信的第一用户设备发送。处理器估计第一通信是否被第一用户设备接收。响应于估计第一通信没有被第一用户设备接收，处理器操作以确定与第一通信方案不同的另一个通信方案，该通信方案定义另外的通信服务，通过该另一通信服务进一步通信被发送，另外的用户设备，进一步的通信将被发送到该用户设备，并且操作以根据另外的通信方案发送另外的通信。

4. 发明授权

US09514460B2 Method and system for facilitating payments on a payment card network 有权
标题翻译：用于促进支付卡网络上的支付的方法和系统
公开(公告)号：US09514460B2
公开(公告)日：2016-12-06
申请号：US14660424
申请日：2015-03-17
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Paul Lawless
IPC分类号： G06K19/00 , G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/3278 , G06Q20/401
摘要： A computer implemented method of processing a payment request is provided, the method comprising operating a processor of a network node to: (i) determine that a current time is within a predefined period of a payment time associated with a payment profile; (ii) determine an account number, a payment amount and a payment provider associated with the payment profile; (iii) transmit to the payment provider a request for pre-authorization of payment of the payment amount from an account associated with the determined account number; and (iv) responsive to receiving a pre-authorization from the payment provider, associating an authorization indication with the payment profile.
摘要翻译：提供了一种处理支付请求的计算机实现方法，所述方法包括操作网络节点的处理器以：（i）确定当前时间在与支付简档相关联的支付时间的预定义周期内; （ii）确定与付款简档相关联的帐号，支付金额和支付提供者; （iii）向支付提供者发送与所确定的帐号相关联的帐户中支付金额的预授权请求; 以及（iv）响应于从所述支付提供商接收到预授权，将授权指示与所述支付简档相关联。

5. 发明申请

US20160171477A1 Payment System with Reduced User Interaction 审中-公开
标题翻译：减少用户互动的付款系统
公开(公告)号：US20160171477A1
公开(公告)日：2016-06-16
申请号：US14969068
申请日：2015-12-15
申请人： MasterCard International Incorporated
发明人： Stephen Elder , Paul Lawless
IPC分类号： G06Q20/32 , G06Q20/40 , G06Q20/24
CPC分类号： G06Q20/3224 , G06Q20/24 , G06Q20/40 , G06Q20/409
摘要： A method for facilitating automatic payment in a payment system requires less interaction by both the credit card user and store clerks than current payment systems. At least one secure geographic location is specified, where payments within a payment system are to be authorized. An identifier of a vehicle is provided to the payment system. A connection is detected between a specific portable device and the vehicle, and a current geographic location of the portable device and/or the vehicle is also detected. The current geographic location is compared with the secure geographic location, and the granting of payment requests received by the payment system and relating to the identifier of the vehicle is authorized if the current geographic location is within or associated with the secure geographic location and if the connection between the portable device and the vehicle continues to exist.
摘要翻译：一种便于在支付系统中进行自动支付的方法需要信用卡用户和商店文员与当前支付系统相比较少的交互。指定至少一个安全的地理位置，在支付系统中的付款将被授权。向支付系统提供车辆的标识符。在特定便携式设备和车辆之间检测到连接，并且还检测到便携式设备和/或车辆的当前地理位置。将当前地理位置与安全地理位置进行比较，并且如果当前地理位置在安全地理位置内或与安全地理位置相关联，则授权由支付系统接收并涉及车辆标识符的支付请求，并且如果便携式设备和车辆之间的连接继续存在。

6. 发明授权

US09875385B1 Method and system for sharing of product receipts 有权
公开(公告)号：US09875385B1
公开(公告)日：2018-01-23
申请号：US15332269
申请日：2016-10-24
申请人： MasterCard International Incorporated
发明人： Derek Humphreys , Stephen Elder , Edward Kilbane , Ramson Tutte , John Clerkin , Adam Kenneth Hosp , Sarah Louise Cunningham , Rebecca Fredric , Paul Lawless
IPC分类号： G06K15/00 , G06K7/10 , G07G5/00
CPC分类号： G06K7/10861 , G06Q20/0457 , G06Q30/0635 , G06Q30/0637 , G07G5/00
摘要： A method for transmitting line item data from an electronic receipt comprising storing a plurality of receipt data entries affiliated with a consumer account based on a consumer identifier. The method comprises storing a plurality of merchant identifiers affiliated with one or more product data files for products sold by a merchant. The method further receives a transaction message for a payment transaction using the consumer identifier via a payment network and executes a query on the electronic receipt database from a first consumer device to identify one or more products purchased in the payment transaction. The method generates an electronic receipt displaying purchase information for the one or more products and links the purchase information on the electronic receipt to the product data file for the one or more products for transmittal.

7. 发明授权

US09503871B2 Systems and methods for providing notifications in a communications system 有权
标题翻译：在通信系统中提供通知的系统和方法
公开(公告)号：US09503871B2
公开(公告)日：2016-11-22
申请号：US14542204
申请日：2014-11-14
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Paul Lawless
IPC分类号： H04W4/00 , H04W4/18 , H04L1/08 , H04W4/12
CPC分类号： H04W4/18 , H04L1/08 , H04W4/12
摘要： The present disclosure relates to systems and methods for providing notifications in a communication system. In connection therewith, a first communication is transmitted, by a processor, in accordance with a first communication scheme that defines a first communication service by which the first communication is to be transmitted and a first user device to which the first communication is to be transmitted. The processor estimates whether the first communication was received by the first user device. Responsive to estimating that the first communication was not received by the first user device, the processor operates to determine a further communication scheme, different to the first communication scheme, that defines a further communication service by which a further communication is to be transmitted and a further user device to which the further communication is to be transmitted, and operates to transmit the further communication in accordance with the further communication scheme.
摘要翻译：本公开涉及用于在通信系统中提供通知的系统和方法。与此相关，第一通信由处理器根据定义要发送第一通信的第一通信服务的第一通信方案和要发送第一通信的第一用户设备发送。处理器估计第一通信是否被第一用户设备接收。响应于估计第一通信没有被第一用户设备接收，处理器操作以确定与第一通信方案不同的另一个通信方案，该通信方案定义另外的通信服务，通过该另一通信服务进一步通信被发送，另外的用户设备，进一步的通信将被发送到该用户设备，并且操作以根据另外的通信方案发送另外的通信。

8. 发明申请

US20150269571A1 Method and System for Facilitating Payments on a Payment Card Network 有权
标题翻译：促进支付卡网络付款的方法和系统
公开(公告)号：US20150269571A1
公开(公告)日：2015-09-24
申请号：US14660424
申请日：2015-03-17
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Paul Lawless
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/3278 , G06Q20/401
摘要： A computer implemented method of processing a payment request is provided, the method comprising operating a processor of a network node to: (i) determine that a current time is within a predefined period of a payment time associated with a payment profile; (ii) determine an account number, a payment amount and a payment provider associated with the payment profile; (iii) transmit to the payment provider a request for pre-authorization of payment of the payment amount from an account associated with the determined account number; and (iv) responsive to receiving a pre-authorization from the payment provider, associating an authorization indication with the payment profile.
摘要翻译：提供了一种处理支付请求的计算机实现方法，所述方法包括操作网络节点的处理器以：（i）确定当前时间在与支付简档相关联的支付时间的预定义周期内; （ii）确定与付款简档相关联的帐号，支付金额和支付提供者; （iii）向支付提供者发送与所确定的帐号相关联的帐户中支付金额的预授权请求; 以及（iv）响应于从所述支付提供商接收到预授权，将授权指示与所述支付简档相关联。

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