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1. 发明授权

US10255596B2 Method, apparatus, and computer program product for topping up prepaid payment cards for offline use 有权
公开(公告)号：US10255596B2
公开(公告)日：2019-04-09
申请号：US14611573
申请日：2015-02-02
申请人： MasterCard International Incorporated
发明人： Michael J. Cowen
IPC分类号： G06Q30/00 , G06Q20/34 , G06Q20/10 , G06Q20/24 , G06Q20/40 , G06Q40/00 , G06Q20/28
摘要： A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk mitigation information in association with the pre-paid payment card. Subsequent to the initial top-up, an indicator is written to the pre-paid payment card during a transaction with the pre-paid payment card outside the infrastructure. The indicator identifies the pre-paid payment card as having the risk mitigation information associated therewith. During subsequent presentation of the pre-paid payment card to the infrastructure, the pre-paid payment card is treated as a token backed up by the risk mitigation information, based on presence of the indicator on the pre-paid payment card.

2. 发明授权

US10049348B2 Transaction systems and associated methods for enhanced account balance and status management 有权
公开(公告)号：US10049348B2
公开(公告)日：2018-08-14
申请号：US14497072
申请日：2014-09-25
申请人： MasterCard International Incorporated
发明人： James Noe , Michael J. Cowen , Jason Field , Sagitha George , David A. Roberts
IPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/28 , G06Q20/34 , G06Q20/40
摘要： A computer implemented method of performing a transaction using a payment account, typically handled by a payment account manager (PAM), comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the payment account based on information in the first message; receiving an authorization or pre-authorization request from a first terminal and commencing a funds aggregation; receiving a second message indicating a pre-defined amount of funds which may be used in the transaction; blocking an amount of the funds limit of the payment account equivalent to the pre-defined amount; and sending an authorization response to the first terminal.

3. 发明申请

US20180047112A1 TRANSACTION-HISTORY DRIVEN COUNTERFEIT FRAUD RISK MANAGEMENT SOLUTION 审中-公开
公开(公告)号：US20180047112A1
公开(公告)日：2018-02-15
申请号：US15687451
申请日：2017-08-26
申请人： MasterCard International Incorporated
发明人： Michael J. Cowen , James Noe , Mark Lulic
IPC分类号： G06Q40/00 , G06Q20/40
CPC分类号： G06Q40/12 , G06Q20/4016
摘要： Transaction data is gathered for a plurality of successful payment device transactions in a first environment. The transaction data is filtered to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist. The whitelist is made available to at least one of (1) a merchant in a second, different environment, and (2) a third party acting on behalf of such a merchant.

4. 发明申请

US20150220911A1 METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR TOPPING UP PREPAID PAYMENT CARDS FOR OFFLINE USE 审中-公开
标题翻译：方法，装置和计算机程序产品，用于支付离职使用的预付款付款卡
公开(公告)号：US20150220911A1
公开(公告)日：2015-08-06
申请号：US14611573
申请日：2015-02-02
申请人： MasterCard International Incorporated
发明人： Michael J. Cowen
IPC分类号： G06Q20/34 , G06Q20/28
CPC分类号： G06Q20/349 , G06Q20/105 , G06Q20/24 , G06Q20/28 , G06Q20/341 , G06Q20/342 , G06Q20/40 , G06Q40/00
摘要： A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk mitigation information in association with the pre-paid payment card. Subsequent to the initial top-up, an indicator is written to the pre-paid payment card during a transaction with the pre-paid payment card outside the infrastructure. The indicator identifies the pre-paid payment card as having the risk mitigation information associated therewith. During subsequent presentation of the pre-paid payment card to the infrastructure, the pre-paid payment card is treated as a token backed up by the risk mitigation information, based on presence of the indicator on the pre-paid payment card.
摘要翻译：持卡人执行预先支付卡余额的初始充值。预付费支付卡被配置为在基础设施中使用，根据对于基础设施中的正常交易而需要不同行为的支付规范，而不是平衡余额所需的支付规范。持卡人与初始充值卡同时注册与预付费支付卡相关联的风险缓解信息。在初始充值后，在与基础设施外部的预付费支付卡交易期间，将一个指标写入预付费支付卡。该指标将预付费支付卡识别为具有与之相关联的风险缓解信息。在随后将预付费支付卡呈现给基础设施时，基于预付费支付卡上的指示符的存在，预付费支付卡被视为由风险缓解信息备份的令牌。

5. 发明授权

US10062077B2 Automatic data transfer 有权
公开(公告)号：US10062077B2
公开(公告)日：2018-08-28
申请号：US15650949
申请日：2017-07-16
申请人： MasterCard International Incorporated
发明人： Edward W. Judge , Anouska Ladds , Michael J. Cowen , James C. Noe
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q40/00 , G07C9/00 , G07B15/00
CPC分类号： G06Q20/40 , G06Q20/3226 , G06Q20/327 , G06Q20/3278 , G06Q20/4037 , G06Q20/405 , G06Q20/4093 , G06Q2240/00 , G07B15/00 , G07C9/00007
摘要： A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.

6. 发明申请

US20170092016A1 TRANSPORT SYSTEM USER INSPECTION 有权
公开(公告)号：US20170092016A1
公开(公告)日：2017-03-30
申请号：US15375572
申请日：2016-12-12
申请人： MasterCard International Incorporated
发明人： Michael J. Cowen , James C. Noe
IPC分类号： G07B15/00 , G06F17/30
CPC分类号： G07B15/00 , G06F17/30336 , G06F17/30345 , G06F17/30867 , G06Q20/08 , G06Q20/34 , G06Q20/341 , G06Q20/4014 , G06Q50/30 , G07B15/02 , G07C9/00103
摘要： A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.

7. 发明授权

US09520003B2 Transport system user inspection 有权
标题翻译：运输系统用户检查
公开(公告)号：US09520003B2
公开(公告)日：2016-12-13
申请号：US14661851
申请日：2015-03-18
申请人： MasterCard International Incorporated
发明人： Michael J. Cowen , James C. Noe
IPC分类号： G07B15/02 , G07B15/00 , G06F17/30 , G06Q20/34 , G06Q20/40 , G06Q20/08
CPC分类号： G07B15/00 , G06F17/30336 , G06F17/30345 , G06F17/30867 , G06Q20/08 , G06Q20/34 , G06Q20/341 , G06Q20/4014 , G06Q50/30 , G07B15/02 , G07C9/00103
摘要： A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.
摘要翻译：检查运输系统的用户的用户装置的方法包括：通过便携式检查装置获取运输系统的用户的用户装置的识别数据; 根据读取的标识数据和数据库中的记录中的项目，通过检查系统生成用户设备的检查结果，其中记录包括多个项目，每个项目涉及相应用户设备的输入数据各运输系统的用户; 并由便携式检查装置输送检查结果。

8. 发明申请

US20150269786A1 TRANSPORT SYSTEM USER INSPECTION 有权
标题翻译：运输系统用户检查
公开(公告)号：US20150269786A1
公开(公告)日：2015-09-24
申请号：US14661851
申请日：2015-03-18
申请人： MasterCard International Incorporated
发明人： Michael J. Cowen , James C. Noe
IPC分类号： G07B15/00 , G06Q20/34 , G06Q20/40 , G06F17/30
CPC分类号： G07B15/00 , G06F17/30336 , G06F17/30345 , G06F17/30867 , G06Q20/08 , G06Q20/34 , G06Q20/341 , G06Q20/4014 , G06Q50/30 , G07B15/02 , G07C9/00103
摘要： A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.
摘要翻译：检查运输系统的用户的用户装置的方法包括：通过便携式检查装置获取运输系统的用户的用户装置的识别数据; 根据读取的标识数据和数据库中的记录中的项目，通过检查系统生成用户设备的检查结果，其中记录包括多个项目，每个项目涉及相应用户设备的输入数据各运输系统的用户; 并由便携式检查装置输送检查结果。

9. 发明申请

US20150206110A1 AUTOMATIC DATA TRANSFER 审中-公开
标题翻译：自动数据传输
公开(公告)号：US20150206110A1
公开(公告)日：2015-07-23
申请号：US14573694
申请日：2014-12-17
申请人： MasterCard International Incorporated
发明人： James C. Noe , Michael J. Cowen , Jason Field
IPC分类号： G06Q20/10 , G06Q20/40 , G06Q20/32 , G06Q20/28
CPC分类号： G06Q20/105 , G06Q20/28 , G06Q20/3223 , G06Q20/405 , G06Q20/409
摘要： A computer-implemented method of automatically transferring data to each of one or more data receivers includes, for each data receiver: automatically determining if the current data within the data receiver meets a requirement for an automatic transfer of data to the data receiver to be performed; and, in dependence on the requirement being met: automatically attempting to transfer data from a first data source to the data receiver in dependence on the data within the first data source; and, if the attempt to transfer data is not successful, automatically transferring data from one of one or more further data sources, in dependence on the data within the one of the one or more data sources, to the data receiver. Advantageously, a user's experience is improved both due to the increased amount of control that a user has and the improved functionality of the system.
摘要翻译：将数据自动传送到一个或多个数据接收器中的每一个的计算机实现的方法包括：对于每个数据接收器，自动确定数据接收器内的当前数据是否满足对要执行的数据接收器的数据的自动传送的要求 ; 并且根据满足的要求：根据第一数据源中的数据自动尝试将数据从第一数据源传送到数据接收器; 并且如果尝试传输数据不成功，则根据一个或多个数据源中的一个数据将数据自动地从一个或多个另外的数据源之一传送到数据接收器。有利地，由于用户具有的增加的控制量和系统的改进的功能，用户的体验得到改善。

10. 发明申请

US20160071100A1 MECHANISM FOR AUTHORISING TRANSACTIONS CONDUCTED AT UNATTENDED TERMINALS 审中-公开
标题翻译：用于授权未经终止的终端执行交易的机制
公开(公告)号：US20160071100A1
公开(公告)日：2016-03-10
申请号：US14845474
申请日：2015-09-04
申请人： MasterCard International Incorporated
发明人： James C. Noe , Michael J. Cowen , Sagitha George , David A. Roberts , Anouska Ladds
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/0453 , G06Q20/18 , G06Q20/32 , G06Q20/3278 , G06Q20/352
摘要： Methods and systems for processing transactions initiated at unattended terminals using user devices without visible credentials, and providing services concerning such transactions, are disclosed. A first party issues a set of pseudo credentials for a user device responsive to authorisation request data concerning a transaction initiated with a second party using the user device and provides the pseudo credentials to the second party, who maps such pseudo credentials to real credentials of the user device acquired from the user device during the transaction. The pseudo credentials are also provided to a user of the user device who submits such pseudo credentials to the second party during a subsequent enquiry concerning the transaction. To authenticate the user device, the second party requests authorisation from the first party using the pseudo credentials.
摘要翻译：公开了用于处理在无人值守终端处使用没有可见证书的用户设备发起的交易以及提供关于这种交易的服务的方法和系统。响应于关于使用该用户设备的与第二方发起的交易的授权请求数据，第一方向用户设备发出一组伪证书，并将伪证书提供给第二方，该第二方将该伪证书映射到在交易期间从用户设备获取的用户设备。在随后关于交易的查询中，还将伪凭证提供给在第二方提交这样的伪凭证的用户设备的用户。为了验证用户设备，第二方使用伪凭证从第一方请求授权。

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