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    TRANSACTION SYSTEM
    4.
    发明申请
    TRANSACTION SYSTEM 审中-公开

    公开(公告)号：US20170091766A1

    公开(公告)日：2017-03-30

    申请号：US15275829

    申请日：2016-09-26

    Applicant: MasterCard Asia/Pacific Pte Ltd

    Inventor： Vijin Venugopalan ,  Benjamin Charles Gilbey ,  Benjamin Ong

    IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q10/08

    CPC classification number: G06Q20/401 ,  G06Q10/083 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q2220/00

    Abstract: A transaction system for performing a transaction relating to delivery of goods to a user by a delivery vehicle, the transaction system including at least one electronic payment processing device that receives a user payment request from a client device of the user, the user payment request being indicative of delivery parameters received by the client device from a delivery vehicle processing device, the delivery parameters being indicative of the respective delivery; and an account indication indicative of a user account associated with the user. The processing device determines a payment token associated with the user account and at least one of the delivery parameters, provides the payment token to the client device, the client device providing the payment token to a merchant processing device via the delivery vehicle processing device, receives the payment token from the merchant processing device and, uses the payment token to selectively authorise the transaction, so that the goods are selectively provided to the user depending on the outcome of the authorisation.

    METHOD AND SYSTEM FOR MAKING A SECURE PAYMENT TRANSACTION
    5.
    发明申请
    METHOD AND SYSTEM FOR MAKING A SECURE PAYMENT TRANSACTION 审中-公开
    制定安全付款交易的方法和系统

    公开(公告)号：US20160203475A1

    公开(公告)日：2016-07-14

    申请号：US14993447

    申请日：2016-01-12

    Applicant: MasterCard Asia/Pacific Pte. Ltd.

    Inventor： Vijin Venugopalan ,  Benjamin Charles Gilbey ,  Prashant Sharma

    IPC: G06Q20/36 ,  G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/3672 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/425 ,  G06Q2220/00

    Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.

    Abstract translation: 提出了一种使用与已经向数字钱包注册的消费者相关联的支付卡进行安全支付交易的方法和系统。 响应于来自商家服务器的与消费者的请求，安排服务器从支付卡的数字钱包支付凭证中提取出来。 安全服务器使用支付凭证和商家服务器的身份来生成令牌。 令牌被提供给商家。 为了实现支付交易，商家服务器将具有所需支付交易的细节的令牌返回到安全服务器，并且安全服务器安排支付交易发生，并通知商家服务器。 商家服务器在此过程中不会收到支付卡的支付凭证，所以即使其安全性受到损害，支付凭证也不会处于危险之中。

    CUSTOMER-INITIATED PAYMENT SYSTEM AND PROCESS
    6.
    发明申请
    CUSTOMER-INITIATED PAYMENT SYSTEM AND PROCESS 审中-公开

    公开(公告)号：US20200342438A1

    公开(公告)日：2020-10-29

    申请号：US16491807

    申请日：2018-03-05

    Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.

    Inventor： Aileen Chew ,  Vijin Venugopalan

    IPC: G06Q20/32 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

    Abstract: Described herein is a customer-initiated payment system that includes an electronic device of a customer, the electronic device including at least one processor configured to: (i) process, in response to input from the customer, a digital image of a machine-readable optical code of a merchant to determine corresponding merchant information and transaction information encoded in the machine-readable optical code; (ii) access a digital wallet of the customer's electronic device to determine a token that identifies a financial transaction account of the customer; (iii) process the determined information and token to generate a transaction request message representing an identifier of the merchant, a transaction amount, and the token of the customer; and (iv) send the transaction request message to a token server to request a financial transaction involving payment of the transaction amount from the financial transaction account of the customer to a financial transaction account of the merchant.

    Method of associating a customers mobile computer device with an order for goods and/or services taken by a waiter in a merchants venue
    7.
    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
    9.
    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 AND SYSTEM FOR GENERATING MAP DATA
    10.
    发明申请
    METHOD AND SYSTEM FOR GENERATING MAP DATA 审中-公开
    用于生成地图数据的方法和系统

    公开(公告)号：US20170017699A1

    公开(公告)日：2017-01-19

    申请号：US15210441

    申请日：2016-07-14

    Applicant: MasterCard Asia/Pacific Pte. Ltd.

    Inventor： Vijin Venugopalan ,  Prashant Sharma ,  Joseph Hayes

    IPC: G06F17/30 ,  G06Q50/10

    CPC classification number: G06Q50/10 ,  G06F16/29

    Abstract: A method of generating map data, a system for generating map data and a method of creating a merchant map based on the generated map data are disclosed. The method of generating map data includes receiving transaction data from a merchant over a communications network, the transaction data including merchant identification data and a time-stamp of the transaction, determining a physical address of the merchant from the merchant identification data, mapping the physical address of the merchant to corresponding geographical coordinates using a geolocation database. The method further includes associating the geographical coordinates with the merchant's identity from the merchant identification data and storing the geographical coordinates, merchant's identity and time-stamp as elements of map data.

    Abstract translation: 公开了一种生成地图数据的方法，用于生成地图数据的系统和基于所生成的地图数据创建商家地图的方法。 生成地图数据的方法包括通过通信网络从商家接收交易数据，交易数据包括商家识别数据和交易的时间戳，从商家标识数据确定商家的物理地址，映射物理 使用地理定位数据库将商家的地址添加到相应的地理坐标。 该方法还包括将地理坐标与商家识别数据相关联，并将地理坐标，商家身份和时间戳存储为地图数据的元素。

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