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1. 发明授权

US10896477B2 Systems and methods for identity validation and verification 有权
公开(公告)号：US10896477B2
公开(公告)日：2021-01-19
申请号：US16239695
申请日：2019-01-04
申请人： Mastercard International Incorporated
发明人： Sandeep Malhotra , Rajen S. Prabhu , Prashant Sharma , Jiaming Li , Jie Zhang
IPC分类号： G06Q50/26 , G06Q40/02 , G06Q20/32 , G06Q20/38
摘要： According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

2. 发明申请

US20150235309A1 BUSINESS SERVICES PLATFORM SOLUTIONS FOR SMALL AND MEDIUM ENTERPRISES 审中-公开
标题翻译：小型和中型企业的业务服务平台解决方案
公开(公告)号：US20150235309A1
公开(公告)日：2015-08-20
申请号：US14183829
申请日：2014-02-19
申请人： MasterCard International Incorporated
发明人： Sandeep Malhotra , Rajen S. Prabhu , Prashant Sharma , Jiaming Li , Jie Zhang
IPC分类号： G06Q40/02 , G06Q20/34
CPC分类号： G06Q40/02 , G06Q10/00 , G06Q20/34
摘要： Methods and systems for providing business services solutions for small and medium enterprises (SMEs) owned by merchants in developed markets and in developing markets. In some embodiments, a merchant enrolls with a merchant issuer financial institution (FI) and then receives an SME financial account, a suite of shared SME business service applications, and access to a payment card acceptance service for use in setting up and scaling their business. In an implementation, the process includes receiving a request for an SME business platform, validating merchant identification data, providing an SME financial account to the merchant, transmitting an SME business platform acceptance message, and transmitting an SME business platform to the merchant device. The SME business platform includes a payment card account acceptance application and at least one business services application configured for running on the merchant device.
摘要翻译：为发达市场和发展中市场的商家拥有的中小企业提供商业服务解决方案和系统。在一些实施例中，商家与商业发行人金融机构（FI）注册，然后接收中小企业金融账户，一组共享的中小企业业务服务应用程序，以及访问支付卡接受服务以用于设置和扩展其业务。在一个实现中，该过程包括接收对SME业务平台的请求，验证商家识别数据，向商家提供SME金融账户，发送SME业务平台接受消息，以及向商家设备发送SME业务平台。 SME业务平台包括支付卡账户验收申请和至少一个业务服务应用，配置为在商家设备上运行。

3. 发明申请

US20140379578A1 METHOD AND SYSTEM FOR CONDUCTING ON-BEHALF ELECTRONIC FINANCIAL TRANSACTION 审中-公开
标题翻译：电子金融交易导向方法与系统
公开(公告)号：US20140379578A1
公开(公告)日：2014-12-25
申请号：US14300711
申请日：2014-06-10
申请人： MasterCard International Incorporated
发明人： David Chan , Manohar Murali , Rajen S. Prabhu , Sandeep Malhotra
IPC分类号： G06Q20/32 , G06Q20/40 , G06Q20/10
CPC分类号： G06Q20/322 , G06Q20/02 , G06Q20/027 , G06Q20/10
摘要： A method of conducting an electronic financial transaction over a payment network on behalf of a customer is provided using a payment application stored in a mobile device of a facilitator, the method including: receiving transaction details of the electronic financial transaction in the payment application from the customer; generating a transaction request for the electronic financial transaction based on said the transaction details received; and forwarding the transaction request to a payment gateway for processing to carry out the electronic financial transaction over the payment network, the payment gateway having stored therein account details of a payment card linked to the facilitator from which funds are authorized to be deducted or to which funds are authorized to be credited based on the transaction request to pay for or receive funds from the electronic financial transaction on behalf of the customer in exchange for the facilitator receiving cash payment from or providing cash to the customer. There is also provided a system for conducting an electronic financial transaction on behalf of a customer, and a computer program product, embodied in a non-transitory computer-readable storage medium, including instructions executable by a computing processor to perform the above method.
摘要翻译：使用存储在促进者的移动设备中的支付应用程序提供代表客户通过支付网络进行电子金融交易的方法，该方法包括：从支付应用程序中接收电子金融交易的交易细节顾客; 基于收到的交易细节，生成电子金融交易的交易请求; 并且将所述交易请求转发到支付网关以处理以通过所述支付网络执行所述电子金融交易，所述支付网关已经存储了与授权被扣除资金的协调者相关联的支付卡的帐户细节，或者授权基于代表客户从电子金融交易中支付或接收资金的交易请求贷记资金，以换取从客户那里获得现金或向客户提供现金的协调人。还提供了代表客户进行电子金融交易的系统和体现在非暂时性计算机可读存储介质中的计算机程序产品，包括由计算处理器执行以执行上述方法的指令。

4. 发明授权

US10176542B2 Systems and methods for identity validation and verification 有权
公开(公告)号：US10176542B2
公开(公告)日：2019-01-08
申请号：US14223603
申请日：2014-03-24
申请人： MasterCard International Incorporated
发明人： Sandeep Malhotra , Rajen S. Prabhu , Prashant Sharma , Jiaming Li , Jie Zhang
IPC分类号： G06Q20/32 , G06Q20/38 , G06Q50/26 , G06Q40/02
摘要： According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

5. 发明申请

US20150248670A1 SYSTEMS, APPARATUS AND METHODS FOR MOBILE COMPANION PREPAID CARD 审中-公开
标题翻译：系统，装置和方法移动公司预付卡
公开(公告)号：US20150248670A1
公开(公告)日：2015-09-03
申请号：US14714684
申请日：2015-05-18
申请人： MasterCard International Incorporated
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
IPC分类号： G06Q20/36 , G06Q20/34 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.
摘要翻译：手机伴侣预付卡购买交易的方法和系统。在一个实施例中，过程包括钱包提供者计算机，经由来自发行者金融机构（FI）处理器的应用程序接口（API）Web请求，移动伴侣预付卡数据和购买交易数据，然后验证资金的可用性手机钱包预付卡账户。该过程还包括基于验证授权购买交易，扣除移动伴随预付卡帐户的公开购买金额，然后向发行商FI处理器发送购买交易授权响应。

6. 发明授权

US09043240B2 Systems, apparatus and methods for mobile companion prepaid card 有权
标题翻译：移动伴侣预付卡的系统，设备和方法
公开(公告)号：US09043240B2
公开(公告)日：2015-05-26
申请号：US14186283
申请日：2014-02-21
申请人： MasterCard International Incorporated
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
IPC分类号： G06Q40/00 , G06Q20/36 , G06Q20/28 , G06Q20/40 , G06Q20/18 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/42
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.
摘要翻译：用于向具有移动钱包帐户的消费者提供非个性化和非压花移动伴侣预付卡的系统，装置和方法。一个实施例包括钱包提供者计算机从代理设备接收用于消费者的移动伴侣预付费卡的批准请求。该过程包括钱包提供商计算机确定与移动伴侣预付卡相关联的发行者金融机构（FI），向发行方FI处理器发送批准请求，接收批准消息，以及向消费者的移动设备提供持卡人验证验证（CVM）数据。该方法还包括接收和验证CVM数据，发送移动伴侣预付卡激活请求，接收指示激活的确认消息，以及向消费者的移动设备发送确认移动伴侣预付费卡的激活的消息。

7. 发明申请

US20190139173A1 SYSTEMS AND METHODS FOR IDENTITY VALIDATION AND VERIFICATION 审中-公开
公开(公告)号：US20190139173A1
公开(公告)日：2019-05-09
申请号：US16239695
申请日：2019-01-04
申请人： Mastercard International Incorporated
发明人： Sandeep Malhotra , Rajen S. Prabhu , Prashant Sharma , Jiaming Li , Jie Zhang
IPC分类号： G06Q50/26 , G06Q20/38 , G06Q40/02 , G06Q20/32
摘要： According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

8. 发明授权

US09978059B2 Systems, apparatus and methods for mobile companion prepaid card 有权
公开(公告)号：US09978059B2
公开(公告)日：2018-05-22
申请号：US14714684
申请日：2015-05-18
申请人： MasterCard International Incorporated
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
IPC分类号： G06Q20/36 , G06Q20/28 , G06Q20/40 , G06Q20/00 , G06Q10/00 , G06Q40/00 , G06Q30/00 , G06Q20/18 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/42
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.

9. 发明申请

US20150269701A1 SYSTEMS AND METHODS FOR IDENTITY VALIDATION AND VERIFICATION 审中-公开
标题翻译：用于身份验证和验证的系统和方法
公开(公告)号：US20150269701A1
公开(公告)日：2015-09-24
申请号：US14223603
申请日：2014-03-24
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Sandeep Malhotra , Rajen S. Prabhu , Prashant Sharma , Jiaming Li , Jie Zhang
IPC分类号： G06Q50/26
CPC分类号： G06Q50/265 , G06Q20/322 , G06Q20/3821 , G06Q40/02
摘要： According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.
摘要翻译：根据一些实施例，向商家传送身份验证信息的系统和方法包括响应于用户与商家交互而从用户接收帐户标识符。用户根据帐户标识认证，并将身份验证信息发送给商家。

10. 发明申请

US20140244496A1 SYSTEMS, APPARATUS AND METHODS FOR MOBILE COMPANION PREPAID CARD 有权
标题翻译：系统，装置和方法移动公司预付卡
公开(公告)号：US20140244496A1
公开(公告)日：2014-08-28
申请号：US14186283
申请日：2014-02-21
申请人： MasterCard International Incorporated
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
IPC分类号： G06Q20/36 , G06Q20/28 , G06Q20/40
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.
摘要翻译：用于向具有移动钱包帐户的消费者提供非个性化和非压花移动伴侣预付卡的系统，装置和方法。一个实施例包括钱包提供者计算机从代理设备接收用于消费者的移动伴侣预付费卡的批准请求。该过程包括钱包提供商计算机确定与移动伴侣预付卡相关联的发行者金融机构（FI），向发行方FI处理器发送批准请求，接收批准消息，以及向消费者的移动设备提供持卡人验证验证（CVM）数据。该方法还包括接收和验证CVM数据，发送移动伴侣预付卡激活请求，接收指示激活的确认消息，以及向消费者的移动设备发送确认移动伴侣预付费卡的激活的消息。

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