Mastercard International Incorporated

Derek Ryan Reed

Deborah M Kimberg

Mark N Savoye

Deepankar Bhagat

Lisa Sims

Jill Boyd Bugh

Shawn Eric Hagmeier

Deborah Kimberg

A method for verification of user identity includes: storing account profiles, each profile including data related to a user account of a non-financial institution (NFI) entity including an account identifier and an address; receiving a transaction request, the request including a specific account identifier and a transaction amount; identifying an account profile including the specific account identifier; generating a controlled payment number associated with a transaction account of the NFI entity; transmitting a notification to a third party entity including the specific account identifier; transmitting the controlled payment number to a user associated with the user account related to the specific account profile; receiving a data message from the third party entity including the specific account identifier and identification data associated with the user; and updating the specific account profile to include the controlled payment number, the identification data, and a spending limit based on the transaction amount.

Method and system for credits in a social network

Registration information is obtained for a plurality of businesses, including the business name and a payment card account number for a payment card account in which the given business can receive payments from customers via a special payment transaction over a payment card network. An electronic bill payment system instruction including at least an amount and a unique biller identifier is obtained. A biller directory, including the registration information and the unique biller identifiers, is accessed based on the unique biller identifiers in the instruction, to retrieve the payment card account number. A payment is initiated to the business via the special payment transaction over the payment card network, based on the retrieved payment card account number.

Apparatus, method, and computer program product for settlement to a merchant's card account using an on-line bill payment platform

Growing community of inventors

Wright City, MO, United States of America

Derek Ryan Reed