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1. 发明授权

US11636465B1 System, method, and computer program for funding a payment card account from an external source just-in-time for a purchase 有权
公开(公告)号：US11636465B1
公开(公告)日：2023-04-25
申请号：US17658789
申请日：2022-04-11
申请人： Marqeta, Inc.
发明人： Tony Ford , David Matter , Daniel Osburn , Jatin Salla
IPC分类号： G06Q20/08 , G06Q20/34 , G06Q20/22 , G06Q40/00 , G06Q20/40
摘要： The present disclosure is directed to a system, method, and computer program for funding a payment card account from an external funding gateway just-in-time for a purchase. A payment card processing system maintains a payment card account for a user for funds from a third party funding source. Funds from the funding source are controlled by an external funding gateway. In order to approve a purchase authorization transaction, the payment card account must have a positive balance equal to or greater than the purchase amount. Funding requests are sent from the payment card processing system to the external funding gateway in response to receiving a purchase authorization request for the payment card, and, if the funding request is approved by the external funding gateway, the system credits to the payment card account with the funds just-in-time for approval of a purchase authorization request.

2. 发明授权

US09613358B1 System, method, and computer program for capturing a unique identifier for a merchant used in purchase transaction approval requests 有权
公开(公告)号：US09613358B1
公开(公告)日：2017-04-04
申请号：US13970530
申请日：2013-08-19
申请人： Marqeta, Inc.
发明人： Jason M. Gardner
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4097 , G06Q20/36
摘要： A system, method, and computer program are provided for capturing a unique identifier for a merchant used in purchase transaction approval requests. A merchant is able to register with a payment card system via a merchant interface. A payment card number is associated with and provided to the merchant via the interface with instructions to perform a purchase transaction with the payment card number. The system receives requests for approval of payment card transactions, where each request includes a payment card number and a unique identifier for a merchant. For each request, the system determines whether the payment card number includes an indicator that the payment card number is for the purpose of capturing a unique identifier for a merchant. In response to receiving a request with a payment card number that includes the indicator, a unique identifier accompanying the request is automatically associated with the registering merchant.

3. 发明申请

US20230102756A1 REROUTING CARD-ORIGINATED PAYMENT TRANSACTIONS FROM A DEFAULT PAYMENT CARD NETWORK WORKFLOW TO A BLOCKCHAIN SYSTEM 有权
公开(公告)号：US20230102756A1
公开(公告)日：2023-03-30
申请号：US17487862
申请日：2021-09-28
申请人： Marqeta, Inc.
发明人： Sujin Park , Micah Riggan
IPC分类号： G06Q20/38 , G06Q20/34 , G06Q20/06
摘要： This disclosure describes methods, non-transitory computer readable storage media, and systems that reroute card-originated payment transactions from a default payment card network workflow to a blockchain system for blockchain enabled transactions. Specifically, in one or more embodiments, the disclosed systems receive a payment interchange message from a payment card network indicating a card-originated payment transaction initiated at a point-of-sale device of a recipient entity. The disclosed systems determine payment configurations for a recipient entity based on an entity identifier from the payment interchange message. Based on the payment configurations including blockchain settings enabling blockchain transactions, the disclosed systems reroute the card-originated payment transaction by first generating digital processing instructions for adding the card-originated payment transaction to a smart contract within the blockchain system. The disclosed systems provide the digital processing instructions to the blockchain system to add the card-originated payment transaction to the smart contract for processing the transaction.

4. 发明申请

US20220398578A1 PARALLEL PROCESSING IN IDLE STATES OF A TRANSACTION PROCESSING PROTOCOL 有权
公开(公告)号：US20220398578A1
公开(公告)日：2022-12-15
申请号：US17348355
申请日：2021-06-15
申请人： Marqeta, Inc.
发明人： Jatin Salla , Pradeep Raju , Amiel Montecillo
IPC分类号： G06Q20/40
摘要： Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel. The groups of the components are sequentially processed within a limited time period.

5. 发明授权

US10026089B2 System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card 有权
公开(公告)号：US10026089B2
公开(公告)日：2018-07-17
申请号：US15680013
申请日：2017-08-17
申请人： Marqeta, Inc.
发明人： Anthony Ford , Jason M. Gardner , Mark Lopez , David Matter , Jatin P. Salla
IPC分类号： G06Q20/40
摘要： The disclosure is directed to a system, method, and computer program for dynamically identify a merchant associated with an authorization request for a payment card, wherein a merchant identifier in the authorization request is unrecognized. A plurality of unique signatures is created for each of a plurality of registered merchants, wherein the signatures for each registered merchant are based on values of merchant attributes associated with the registered merchant. In response to the system receiving an authorization request for a payment card that includes an unrecognized merchant identifier used to process authorization requests, a plurality of unique signatures is generated for the unrecognized merchant based on a combination of merchant attributes in the authorization request. A payment processing system then determines if the signatures match one of the signatures previously created for the registered merchants. If so, the authorization request is identified as originating from the matching registered merchant.

6. 发明申请

US20120215605A1 SYSTEM AND METHOD FOR PROVIDING A USER WITH A SINGLE PAYMENT CARD ON WHICH PREPAID AND/OR REWARD BALANCES ARE TRACKED FOR MULTIPLE MERCHANTS 审中-公开
标题翻译：用于向单个付款卡提供用户的系统和方法，用于为多个商户追踪准备和/或平均余额
公开(公告)号：US20120215605A1
公开(公告)日：2012-08-23
申请号：US13400888
申请日：2012-02-21
申请人： Jason M. Gardner , Clark M. Huang , Jason Robert Smith
发明人： Jason M. Gardner , Clark M. Huang , Jason Robert Smith
IPC分类号： G06Q20/36 , G06Q30/02
CPC分类号： G06Q20/36 , G06Q30/0229
摘要： The system and method of present invention provides a user with a single account that separately tracks prepaid and/or reward balances from multiple merchants. Multiple merchant purses are associated with the user's account. Each purse corresponds to one merchant, and represents the user's credit balance with the merchant (e.g., prepaid deposits plus reward). The balance associated with each merchant purse is separately tracked. In one embodiment, each merchant purse is associated with its own set of rules for calculating a reward or otherwise managing the purse. When a user deposits prepaid money into a merchant purse, the system that manages the user's account executes any rules associated with the purse related to a deposit. If there is a rule associated with a rewards calculation, a reward amount is calculated in accordance with the rule and, if the reward is greater than zero, the merchant purse is credited with the reward.
摘要翻译：本发明的系统和方法为用户提供单独帐户，其分别跟踪来自多个商家的预付费和/或奖励余额。多个商人钱包与用户的帐户相关联。每个钱包对应于一个商家，并且表示用户与商家的信用余额（例如，预付存款加奖励）。与每个商人钱包相关联的余额被单独跟踪。在一个实施例中，每个商人钱包与其自己的一组规则相关联，用于计算奖励或以其他方式管理钱包。当用户将预付款存入商人钱包时，管理用户帐户的系统执行与与存款相关的钱包相关联的任何规则。如果存在与奖励计算相关的规则，则根据规则计算奖励金额，如果奖励大于零，则会将奖金记入奖金。

7. 发明申请

US20220198408A1 COMPUTER TRANSACTION SECURITY WITH DELEGATED DECISIONS 有权
公开(公告)号：US20220198408A1
公开(公告)日：2022-06-23
申请号：US17125033
申请日：2020-12-17
申请人： Marqeta, Inc.
发明人： Ritesh Gadewar , Hariharan Venkatachalam , Radha Krishna Thakkalapally , Tory Hebert
IPC分类号： G06Q20/02 , H04L29/06 , G06F9/54 , G06Q20/40 , G06Q20/12 , G06Q20/38 , G06Q20/34
摘要： A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision function at the access control server computer.

8. 发明申请

US20220180346A1 CACHED BALANCE INSPECTION IN REAL-TIME CARD TRANSACTIONS 有权
公开(公告)号：US20220180346A1
公开(公告)日：2022-06-09
申请号：US17114345
申请日：2020-12-07
申请人： Marqeta, Inc.
发明人： Ritesh Gadewar , Daniel Osburn , Prashant Punekar , Jatin Salla
IPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/34 , G06Q20/26
摘要： Server computers of card issuer-processors can transmit payment card authorization responses to merchant computers based on retrieving a cached card balance value that is cached at the card issuer-processor upon request by the supplier. Consequently, card issuer-processors can respond to authorization requests of merchants and/or card networks when supplier computers are offline and without accessing true card balance data for cards.

9. 发明授权

US11023885B2 System, method, and computer program for securely transmitting and presenting payment card data in a web client 有权
公开(公告)号：US11023885B2
公开(公告)日：2021-06-01
申请号：US15640325
申请日：2017-06-30
申请人： Marqeta, Inc.
发明人： Anaximandro A. Davila , Daniel Osburn , Anthony Ford , David Matter
IPC分类号： G06Q20/04 , G06Q20/34 , G06Q20/08 , G06Q20/12
摘要： The present disclosure relates to a system, method, and computer program for securely transmitting and presenting payment card data in a web client. Payment card information is securely transmitted form a payment card server to a sandboxed container object on a webpage. The payment card sever is PCI compliant and independent of the webserver that provided the webpage to the web client. A sandboxed payment-card client, executing within the sandboxed container object on the web page, establishes a secure communication session with the payment-card sever. The payment-card server transmits payment card data to the sandboxed payment-card client, which displays the payment card data in the sandboxed container object (or in a plurality of sandboxed container objects). The website's webserver is bypassed in communications between the payment-card server and the sandboxed payment-card client.

10. 发明授权

US09767457B1 System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card 有权
公开(公告)号：US09767457B1
公开(公告)日：2017-09-19
申请号：US14447200
申请日：2014-07-30
申请人： Marqeta, Inc.
发明人： Anthony Ford , Jason M. Gardner , Mark Lopez , David Matter , Jatin P. Salla
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4097 , G06Q20/12 , G06Q20/202 , G06Q20/3825 , G06Q20/40 , G06Q20/4014
摘要： The disclosure is directed to a system, method, and computer program for dynamically identify a merchant associated with an authorization request for a payment card, wherein a merchant identifier in the authorization request is unrecognized. A plurality of unique signatures is created for each of a plurality of registered merchants, wherein the signatures for each registered merchant are based on values of merchant attributes associated with the registered merchant. In response to the system receiving an authorization request for a payment card that includes an unrecognized merchant identifier used to process authorization requests, a plurality of unique signatures is generated for the unrecognized merchant based on a combination of merchant attributes in the authorization request. A payment processing system then determines if the signatures match one of the signatures previously created for the registered merchants. If so, the authorization request is identified as originating from the matching registered merchant.

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