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1. 发明申请

WO2017007576A1 METHOD AND SYSTEM FOR PERSON TO PERSON PAYMENTS USING A CONTROLLED PAYMENT NUMBER 审中-公开
标题翻译：使用受控付款人数的个人付款的方法和系统
公开(公告)号：WO2017007576A1
公开(公告)日：2017-01-12
申请号：PCT/US2016/037345
申请日：2016-06-14
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： BHAGAT, Deepankar , MCCARTHY, Michael, D. , EKSELIUS, Lukas , SAVOYE, Mark, N.
IPC分类号： G06Q20/40 , G06Q20/22 , G06Q20/28
CPC分类号： G06Q20/405 , G06Q20/065 , G06Q20/227 , G06Q20/3223 , G06Q40/025
摘要： A method for processing transactions in user accounts includes: storing account profiles, each including data related to a user account of a non-financial institution (NFI) entity including a controlled payment number (CPN) and spending limit, the CPN being associated with a transaction account of the NFI entity and subject to the spending limit; receiving a transaction request including a payer CPN, payee CPN, and transaction amount; identifying a payer account profile that includes the payer CPN; identifying a payee account profile that includes the payee CPN; decreasing the spending limit included in the payer account profile based on the transaction amount; and increasing the spending limit included in the payee account profile based on the transaction amount.
摘要翻译：用于处理用户帐户中的交易的方法包括：存储帐户简档，每个帐户简档包括与非金融机构（NFI）实体的用户账户相关的数据，包括受控支付号码（CPN）和支出限额，CPN与 NFI实体的交易账户，并受限于支出限额; 收到包括付款人CPN，收款人CPN和交易金额的交易请求; 识别包括付款人CPN的付款人帐户简档; 识别包括收款人CPN的收款人账户资料; 根据交易金额减少付款人账户资料中包含的支出限额; 并根据交易金额增加收款人账户配置文件中包含的支出限额。

2. 发明申请

WO2015063183A3 A SYSTEM AND METHOD FOR FACILITATING INTERACTION VIA AN INTERACTIVE TELEVISION 审中-公开
标题翻译：通过交互式电视促进交互的系统和方法
公开(公告)号：WO2015063183A3
公开(公告)日：2015-05-07
申请号：PCT/EP2014/073264
申请日：2014-10-29
申请人： MASTERCARD INTERNATIONAL INCORPORATED , MASTERCARD IRELAND LIMITED
发明人： EKSELIUS, Lukas , ATES, Fikret , POCHIC, Sebastien
IPC分类号： H04N21/41 , H04N21/4722 , H04N21/478 , H04N21/8545 , H04H20/00
摘要： A method of providing interaction options to a user of a device is described. The device is capable of receiving broadcast content from a broadcaster and content via a network. The method comprises receiving, at the device, both broadcast content and a call-to-action related to the broadcast content. The call-to-action is received via a network. The method includes presenting the broadcast content and the call-to-action to the user, receiving a trigger signal from the user in response to the call-to-action, and initiating, in response to the trigger signal, an interaction over the network between the user and a call-to-action party associated with the call-to-action. The method enables an interaction to be established between the user and the call-to-action party regardless of whether the call-to-action party is the same entity as or a different entity to the broadcaster.
摘要翻译：描述了向设备的用户提供交互选项的方法。该设备能够通过网络接收来自广播公司和内容的广播内容。该方法包括在设备处接收广播内容和与广播内容有关的呼叫 - 动作。呼吁行动通过网络接收。该方法包括向用户呈现广播内容和号召性用语，响应于号召性用语从用户接收触发信号，并且响应于触发信号发起通过网络的交互在用户和与号召性用语相关联的号召性用语方之间。该方法使得能够在用户和号召行动方之间建立交互，而不管呼叫方是否是与广播方相同的实体或不同的实体。

3. 发明申请

WO2017030832A1 CONTROLLING TRANSFER OF ELECTRICAL POWER 审中-公开
标题翻译：控制电力传输
公开(公告)号：WO2017030832A1
公开(公告)日：2017-02-23
申请号：PCT/US2016/046139
申请日：2016-08-09
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： EKSELIUS, Lukas , ATES, Fikret , POCHIC, Sebastien
IPC分类号： H02J3/00 , G06Q50/06 , H02J13/00
CPC分类号： H02J3/14 , G06Q20/18 , G06Q50/06 , G07F15/005 , G07F15/008 , H02J2003/143 , Y02T90/12 , Y02T90/128
摘要： According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials. According to further aspects there are provided a system for controlling transfer of electrical power and an electrical device.
摘要翻译：根据第一方面，提供了一种控制电力传递的方法，所述方法包括：响应于形成电力供应网络和电气设备之间的电力传输连接，通过所述连接控制电力传输，根据通过包括一个或多个证书的所述设备在连接上接收到的消息的内容，存在或不存在。根据第二方面，提供从电力供应网络获得电力和/或向电力供应网络提供电力的方法，所述方法包括电气装置：与所述电力供应网络形成电力传输连接; 并且响应于此，通过所述连接发送功率传送请求，所述请求包括一个或多个证书。根据另外的方面，提供了一种用于控制电力传输和电气设备的系统。

4. 发明申请

WO2014076686A3 METHODS AND APPARATUS FOR CARD TRANSACTIONS 审中-公开
公开(公告)号：WO2014076686A3
公开(公告)日：2014-05-22
申请号：PCT/IB2013/060252
申请日：2013-11-19
申请人： MASTERCARD INTERNATIONAL INCORPORATED , RADU, Cristian
发明人： RADU, Cristian , ATES, Fikret , EKSELIUS, Lukas , POCHIC, Sebastien , LOURENCO, Fernando
IPC分类号： G06Q20/20 , G06Q20/32 , G07F7/08 , G06K19/077 , G06K7/00
摘要： A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.

5. 发明申请

WO2016105908A1 FLEXIBLE ELECTRONIC PAYMENT TRANSACTION PROCESS 审中-公开
标题翻译：灵活的电子支付交易流程
公开(公告)号：WO2016105908A1
公开(公告)日：2016-06-30
申请号：PCT/US2015/063973
申请日：2015-12-04
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： EKSELIUS, Lukas , POCHIC, Sesbastien , ATES, Fikret , MAIDMENT, Barry
IPC分类号： G06Q20/34
CPC分类号： G06Q20/204 , G06Q20/145 , G06Q20/24 , G06Q20/32 , G06Q20/3226 , G06Q20/341 , G06Q20/401
摘要： A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.
摘要翻译：销售点（POS）终端被编程为根据标准EMV交易流程与支付设备进行交互来执行EMV交易。在具有特定付款设备的POS终端处开始EMV交易。 POS终端从支付设备接收到中断EMV交易的请求。 POS终端通过中断EMV事务并采取请求指示的动作来响应该请求。执行标准EMV事务流程不需要此操作。

6. 发明申请

WO2014026101A1 AUTOMATIC REGISTRATION AND GENERATION OF CONSUMER PAYMENT CREDENTIALS USING INTERNET-CONNECTED APPLIANCES 审中-公开
标题翻译：使用互联网连接的电器自动注册和生成消费者付款证明
公开(公告)号：WO2014026101A1
公开(公告)日：2014-02-13
申请号：PCT/US2013/054318
申请日：2013-08-09
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： RADU, Cristian , ATES, Fikret , POCHIC, Sebastien , EKSELIUS, Lukas
IPC分类号： G06Q30/00
CPC分类号： G06Q20/405 , G06Q10/00 , G06Q20/027 , G06Q20/12 , G06Q20/40 , G06Q20/401 , G06Q30/00
摘要： Systems, apparatus and methods for allowing cardholders to conveniently and securely purchase items online using an Internet-connected appliance. An Internet-connected appliance reads payment account data from a cardholder payment device and transmits a cardholder registration request to a gateway server. The Internet-connected appliance receives a cardholder verification request, prompts the cardholder to respond, transmits the response, receives a cardholder authentication message, and then stores the cardholder payment account data in a dedicated storage element. In an implementation, the Internet- connected appliance receives a purchase instruction for an online purchase, automatically generates and transmits a purchase transaction request, receives a purchase transaction response, and provides the purchase transaction response to the cardholder.
摘要翻译：允许持卡人使用互联网连接的设备在线方便地安全地购买商品的系统，设备和方法。互联网连接的设备从持卡人支付设备读取支付账户数据，并向网关服务器发送持卡人注册请求。互联网连接的设备收到持卡人验证请求，提示持卡人进行回复，发送回复，接收持卡人认证消息，然后将持卡人支付账户数据存储在专用存储元素中。在一个实现中，互联网连接的设备接收用于在线购买的购买指令，自动生成并发送购买交易请求，接收购买交易响应，并向持卡人提供购买交易响应。

7. 发明申请

WO2015063181A1 A SYSTEM AND METHOD FOR DISSEMINATING FUNCTIONALITY TO A TARGET DEVICE 审中-公开
标题翻译：一种用于将目标设备功能释放的系统和方法
公开(公告)号：WO2015063181A1
公开(公告)日：2015-05-07
申请号：PCT/EP2014/073262
申请日：2014-10-29
申请人： MASTERCARD INTERNATIONAL INCORPORATED , MASTERCARD IRELAND LIMITED
发明人： EKSELIUS, Lukas , ATES, Fikret , POCHIC, Sebastien
IPC分类号： G06Q20/32 , G06Q20/36 , H04N21/436 , H04N21/81
CPC分类号： H04N21/2543 , G06Q20/32 , G06Q20/36 , G06Q20/3672 , H04N21/25816 , H04N21/4126 , H04N21/4367 , H04N21/4781 , H04N21/4788
摘要： A method of disseminating a digital wallet to a target device is described. The method comprises searching, with a searching device, on a local network for the target device, and pushing the digital wallet to the target device.
摘要翻译：描述了将数字钱包传播到目标设备的方法。该方法包括用搜索设备搜索用于目标设备的本地网络，并将数字钱包推送到目标设备。

8. 发明申请

WO2014164647A1 SYSTEMS AND METHODS FOR PRODUCT AUTHENTICATION AND CONSUMER RELATIONSHIP MANAGEMENT 审中-公开
标题翻译：产品认证和消费者关系管理系统与方法
公开(公告)号：WO2014164647A1
公开(公告)日：2014-10-09
申请号：PCT/US2014/023105
申请日：2014-03-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： EKSELIUS, Lukas , ATES, Fikret
IPC分类号： H04L9/00
CPC分类号： G06Q20/3227 , G06Q20/3278 , G06Q20/352 , G06Q20/409
摘要： In one aspect, processing a product authentication transaction using a transaction terminal includes reading a secure token having a data value corresponding with a product item, determining that the data value is a valid data value corresponding with the product item, and providing an indication that the product item is authentic if the data value is a valid data value corresponding to the product item. In another aspect, processing a product authentication transaction using a terminal connected to a payment network includes reading a secure token having a data value corresponding with a product item, transmitting the data value to an authentication processor, receiving an authentication response from the authentication processor, the authentication response comprising an determination that the data value is a valid data value corresponding to the product item, and providing an indication that the product item is authentic based on the authentication response.
摘要翻译：一方面，使用交易终端处理产品认证交易包括读取具有与产品项目相对应的数据值的安全令牌，确定数据值是与产品项目对应的有效数据值，并提供指示如果数据值是与产品项目对应的有效数据值，则产品项目是真实的。在另一方面，使用连接到支付网络的终端处理产品认证交易包括读取具有与产品项目相对应的数据值的安全令牌，将数据值发送到认证处理器，从认证处理器接收认证响应，所述认证响应包括所述数据值是对应于所述产品项目的有效数据值的确定，以及基于所述认证响应来提供所述产品项目是可信的指示。

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