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    Transaction system and method
    2.
    发明授权
    Transaction system and method 有权

    公开(公告)号：US10970711B2

    公开(公告)日：2021-04-06

    申请号：US15944861

    申请日：2018-04-04

    Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.

    Inventor： Benjamin Charles Gilbey ,  Sunitha Miryala ,  Rajat Maheshwari

    IPC: G06Q40/00 ,  G06Q20/34 ,  G10L19/16 ,  G06Q20/36 ,  G06Q20/32

    Abstract: System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

    Method of associating a customers mobile computer device with an order for goods and/or services taken by a waiter in a merchants venue
    4.
    发明授权
    Method of associating a customers mobile computer device with an order for goods and/or services taken by a waiter in a merchants venue 有权

    公开(公告)号：US10289994B2

    公开(公告)日：2019-05-14

    申请号：US15264906

    申请日：2016-09-14

    Applicant: MASTERCARD ASIA/PACIFIC PTE LTD.

    Inventor： Benjamin Charles Gilbey ,  Vijin Venugopalan

    IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q30/06 ,  G06Q20/36 ,  G06Q50/12

    Abstract: A method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter on a waiter's mobile computer device in a merchant's venue, including the steps of: (a) receiving data representing a customer's order for goods and/or services; (b) generating an order identification code; (c) generating a total amount payable for the goods and/or services ordered; (d) pairing the waiter's device with the customer's mobile computer device, said pairing resulting in generation of a pairing identification code; (e) receiving from the customer's device a device identification code; and (f) generating a transaction identification code based on (i) the order identification code; (ii) the device identification code and/or the pairing identification code; and (iii) the total amount payable; and (g) sending data representing the customer's order and the transaction identification code to a point of sale system to prepare the order.

    METHOD FOR PASSIVELY CLOSING A PRE-AUTHORIZED TAB WITH AN ASSOCIATED PAYMENT TOKEN
    6.
    发明申请
    METHOD FOR PASSIVELY CLOSING A PRE-AUTHORIZED TAB WITH AN ASSOCIATED PAYMENT TOKEN 审中-公开

    公开(公告)号：US20170083902A1

    公开(公告)日：2017-03-23

    申请号：US15262198

    申请日：2016-09-12

    Applicant: MasterCard Asia/Pacific Pte Ltd

    Inventor： Benjamin Charles Gilbey ,  Vijin Venugopalan

    IPC: G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q20/34 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/407

    Abstract: A merchant system for passively closing a patron's pre-authorized tab, with an associated payment token, set up with a computer device in communication with the merchant system, said system including one or more processors in communication with data storage, said processors being configured to execute computer readable instructions stored on said data storage for performing the steps of (a) determining if the pre-authorized tab should be passively closed; (b) if the pre-authorized tab should be passively closed, then performing the steps of (i) generating a total amount spent on goods and/or service ordered by the patron; (ii) sending the total amount spent and the payment token associated with the pre-authorized tab to an online service for authentication so as to pay the merchant; and (iii) closing the pre-authorized tab.

    Method of effecting an electronic transaction
    7.
    发明授权
    Method of effecting an electronic transaction 有权

    公开(公告)号：US10733600B2

    公开(公告)日：2020-08-04

    申请号：US15198900

    申请日：2016-06-30

    Applicant: MasterCard Asia/Pacific Pte. Ltd.

    Inventor： Benjamin Charles Gilbey ,  Vijin Venugopalan ,  Joseph Hayes

    IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q20/02 ,  G06Q20/20

    Abstract: A method of effecting an electronic transaction is described. The method includes receiving, through a merchant aggregator platform, a selection of one or more articles from a plurality of articles offered for purchase by a plurality of merchants on the merchant aggregator platform, wherein the platform is hosted by a merchant acquirer. Payment vehicle credentials of a payment vehicle are then passed to a payment gateway, and a vehicle representative (VR) is created at the payment gateway and associated with one or more credentials of the payment vehicle, the VR being usable by the merchant aggregator platform, in place of the one or more credentials, but from which the one or more credentials are indeterminable. The VR is then provided to the merchant aggregator platform through which a purchase request is received to confirm that the one or more articles have been purchased. Purchase details of the purchase request are then sent with the VR to the payment gateway at which the payment vehicle credentials are associated with the purchase details, based on the VR, and passed with the payment vehicle credentials to the merchant acquirer for on-going processing of the transaction.

    TRANSACTION SYSTEM AND METHOD
    9.
    发明申请
    TRANSACTION SYSTEM AND METHOD 审中-公开

    公开(公告)号：US20180285861A1

    公开(公告)日：2018-10-04

    申请号：US15944861

    申请日：2018-04-04

    Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.

    Inventor： Benjamin Charles Gilbey ,  Sunitha Miryala ,  Rajat Maheshwari

    IPC: G06Q20/34 ,  G06Q20/36 ,  G10L19/16

    Abstract: System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

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