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31. 发明申请

US20180025437A1 Method and System for Managing Crowdsourced Funds 审中-公开
公开(公告)号：US20180025437A1
公开(公告)日：2018-01-25
申请号：US15656083
申请日：2017-07-21
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： Veronica Kuoh , Krishnadas Mohandas , Eric Jian Hui Lin , Benjamin Charles Gilbey
IPC分类号： G06Q40/00 , G06Q50/00
CPC分类号： G06Q40/12 , G06Q50/01
摘要： Device and method for managing crowdsourced funds. The method comprises: creating expenditure categories, each of the expenditure categories being linked to a respective category account for obtaining funds from the crowdsourced funds; allocating a percentage of the crowdsourced funds to each of the expenditure categories; applying restrictions on utilization of the allocated percentage to reception parameters imposed upon each of the respective expenditure categories; providing a user interface to display each of the created expenditure categories and the respective percentage allocation of the crowdsourced funds; receiving, through the user interface, a contribution to the crowdsourced funds from a payment network; allocating the received contribution across the expenditure categories by channeling the received contribution to the respective category account in accordance with the reception parameters and the respective allocated percentage; and permitting access to the funds in the category account for transactions that comply with the reception parameters imposed upon the expenditure category linked to the category account.

32. 发明申请

US20160239833A1 METHODS AND SYSTEMS FOR PROCESSING AN ELECTRONIC PAYMENT 审中-公开
标题翻译：处理电子支付的方法和系统
公开(公告)号：US20160239833A1
公开(公告)日：2016-08-18
申请号：US15042717
申请日：2016-02-12
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Vijin Venugopalan , Benjamin Charles Gilbey , Prashant Sharma
IPC分类号： G06Q20/36 , G06Q20/38
CPC分类号： G06Q20/20 , G06Q20/3274 , G06Q20/38215 , G06Q20/385
摘要： A method is provided for processing an electronic payment. The method comprises (a) receiving, by a server, a first electronic request for a first token from a cardholder's device, the server being in communication with a database storing payment credentials for one or more payment cards associated with the cardholder; (b) generating the first token using an identity of the cardholder's device and transmitting the first token to the device; (c) receiving a second electronic request for processing the transaction from a merchant terminal, said second request comprising the first token and a merchant terminal identifier; (d) generating a second token using the first token and the merchant terminal identifier and transmitting the second token to the merchant terminal; (e) receiving a third token and a transaction authorization request from a merchant acquiring bank; (f) validating the third token using the second token; and (g) upon the validation operation (f) being successful, submitting the transaction authorization request to a card issuing bank.
摘要翻译：提供了一种用于处理电子支付的方法。该方法包括（a）由服务器接收来自持卡人设备的第一令牌的第一电子请求，所述服务器与存储与所述持卡人相关联的一个或多个支付卡的支付凭证的数据库通信; （b）使用所述持卡人设备的身份生成所述第一令牌并将所述第一令牌发送到所述设备; （c）从商家终端接收用于处理交易的第二电子请求，所述第二请求包括第一令牌和商家终端标识符; （d）使用第一令牌和商务终端标识符产生第二令牌，并将第二令牌发送到商家终端; （e）从商家采购银行接收第三令牌和交易授权请求; （f）使用第二个令牌验证第三个令牌; 和（g）验证操作（f）成功后，将交易授权请求提交给开证行。

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