Michael A Atkins

US Patent:

20190188718, Jun 20, 2019

Filed:

Feb 15, 2019

Appl. No.:

16/277140

Inventors:

- Purchase NY, US
Michael Clay ATKINS - Columbia MO, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

G06Q 20/40
G06Q 30/06
G06Q 20/34
G06Q 20/32

Abstract:

A method of choosing and authorising a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorised if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match.

US Patent:

20180108011, Apr 19, 2018

Filed:

Oct 19, 2016

Appl. No.:

15/297626

Inventors:

- Purchase NY, US
Daire MacMATHUNA - Dublin 16, IE
Michael Clay ATKINS - Columbia MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 20/40
G06Q 20/36
G06Q 20/10
G06Q 20/20

Abstract:

A method for processing transaction data includes: receiving a generation request to generate a common account number, the request including identification information of a plurality of funding accounts and a plurality of authorizations to charge the funding accounts for a respective portion of a future payment transaction; generating the common account number; transmitting the common account number to the communication device; receiving a payment authorization request including an amount and the common account number; allocating portions of the amount to the respective funding accounts; respectively transmitting authorization requests to pay the respective portions to one or more servers of financial institutions providing the plurality of funding accounts; receiving payment authorizations in response to the plurality of authorization requests; respectively debiting the plurality of funding accounts for the allocated portions of the amount; and transmitting an authorization signal in response to the payment authorization request in accordance with the received authorizations.

US Patent:

20170083918, Mar 23, 2017

Filed:

Sep 23, 2016

Appl. No.:

15/274482

Inventors:

- Purchase NY, US
Michael Clay ATKINS - Columbia MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 20/40
G06Q 20/32
G06Q 20/34

Abstract:

A method of choosing and authorising a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorised if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match.