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1. 发明申请

US20170017699A1 METHOD AND SYSTEM FOR GENERATING MAP DATA 审中-公开
标题翻译：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
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Vijin Venugopalan , Prashant Sharma , Joseph Hayes
IPC分类号： G06F17/30 , G06Q50/10
CPC分类号： G06Q50/10 , G06F16/29
摘要： 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.
摘要翻译：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。

2. 发明申请

US20170061427A1 METHOD FOR MANAGING DIGITAL WALLETS 审中-公开
标题翻译：管理数字电子钱包的方法
公开(公告)号：US20170061427A1
公开(公告)日：2017-03-02
申请号：US15241396
申请日：2016-08-19
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Prashant Sharma , Joseph Hayes , Rajen Prabhu
IPC分类号： G06Q20/36
CPC分类号： G06Q20/367 , G06Q20/363
摘要： A method for managing digital wallets is provided. The method includes providing a wallet container on a computing device; identifying one or more digital wallets using a wallet locator in the wallet container for automatically identifying digital wallets for containment in the wallet container; and containerizing the one or more digital wallets into the wallet container such that the one or more digital wallets are accessible through the wallet container. The wallet container is configured to provide access to a plurality of digital wallets through the wallet container. The wallet container includes a transaction receiver for opening the wallet container upon selection of an acceptance mark in an online payment portal accessible from the computing device.
摘要翻译：提供了一种管理数字钱包的方法。该方法包括在计算设备上提供钱包容器; 使用钱包容器中的钱包定位器识别一个或多个数字钱包，用于自动识别用于在钱包容器中容纳的数字钱包; 并将一个或多个数字钱包集装到钱包容器中，使得一个或多个数字钱包可通过钱包容器进入。钱包容器被配置为提供通过钱包容器访问多个数字钱包。钱包容器包括用于在可从计算设备访问的在线支付门户中选择接受标记时打开钱包容器的交易接收器。

3. 发明授权

US11301839B2 Method and system for making a secure payment transaction 有权
公开(公告)号：US11301839B2
公开(公告)日：2022-04-12
申请号：US14993447
申请日：2016-01-12
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 , G06Q20/40
摘要： 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.

4. 发明申请

US20170132653A1 METHOD AND SYSTEM FOR ACCUMULATING AND REDEEMING REWARDS USING DIGITAL WALLETS 审中-公开
公开(公告)号：US20170132653A1
公开(公告)日：2017-05-11
申请号：US15298658
申请日：2016-10-20
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Vijin Venugopalan , Joseph Hayes , Prashant Sharma
IPC分类号： G06Q30/02 , G06Q20/34 , G06Q20/36
CPC分类号： G06Q30/0238 , G06Q20/227 , G06Q20/34 , G06Q20/36 , G06Q20/363 , G06Q20/3678 , G06Q20/387
摘要： A computer-implemented method for accumulating rewards for redemption is disclosed. The method comprises the steps of storing at a server a first digital wallet, where the first digital wallet is associated with a first standard rewards value, and storing at least one payment card number for a payment card issued by a first issuer where the first issuer has a first issuer server; receiving at the server a rewards value from the first issuer server; applying with the server a normalizing algorithm to the rewards value from the first issuer server to obtain a first normalized rewards value; and updating with the server the first standard rewards value by adding the first normalized rewards value to the first standard rewards value.

5. 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。

6. 发明授权

US10671988B2 Methods and systems for processing an electronic payment 审中-公开
公开(公告)号：US10671988B2
公开(公告)日：2020-06-02
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： G06Q20/20 , G06Q20/38 , G06Q20/32
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.

7. 发明申请

US20170154351A1 METHOD AND SYSTEM FOR MANAGING REFERRAL REWARDS OF DIGITAL WALLETS 审中-公开
公开(公告)号：US20170154351A1
公开(公告)日：2017-06-01
申请号：US15351654
申请日：2016-11-15
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Vijin Venugopalan , Prashant Sharma , Joseph Hayes
IPC分类号： G06Q30/02 , G06Q20/36
CPC分类号： G06Q30/0214 , G06Q20/36
摘要： A method for managing referral rewards of digital wallets is disclosed, the method comprising the steps of receiving at a digital wallet server, a referral-code and registration information for a referral digital wallet, where the registration information includes a first unique identifier and at least one primary account number (PAN) associated with a referral; sending from the digital wallet server, the first unique identifier and the PAN associated with the referral to an issuer server for checking if the first unique identifier exists in an issuer table; receiving at the digital wallet server, confirmation from the issuer server that the first unique identifier does not exist in the issuer table; receiving at the digital wallet server, reward data from the issuer server indicative of a reward; identifying at the digital wallet server, an affiliate digital wallet based on the referral-code; and crediting the affiliate digital wallet with the reward.

8. 发明申请

US20170300880A1 Payment Approval Method and System 审中-公开
公开(公告)号：US20170300880A1
公开(公告)日：2017-10-19
申请号：US15485905
申请日：2017-04-12
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： Benjamin Charles Gilbey , Vijin Venugopalan , Prashant Sharma
IPC分类号： G06Q20/10 , G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/102 , G06Q20/325 , G06Q20/327 , G06Q20/36 , G06Q20/4014 , G06Q20/405
摘要： There is provided methods and systems for approving a payment from a customer to a merchant. A merchant device, an approval server, a client device plus a method and system for configuring pre-approved payments from a customer to a merchant are also disclosed.

9. 发明申请

US20160203475A1 METHOD AND SYSTEM FOR MAKING A SECURE PAYMENT TRANSACTION 审中-公开
标题翻译：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
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Vijin Venugopalan , Benjamin Charles Gilbey , Prashant Sharma
IPC分类号： G06Q20/36 , G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/3672 , G06Q20/3821 , G06Q20/385 , G06Q20/401 , G06Q20/425 , G06Q2220/00
摘要： 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.
摘要翻译：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。

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