The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 14, 2018
Filed:
Sep. 25, 2014
Mastercard International Incorporated, Purchase, NY (US);
James Noe, West Wickham, GB;
Michael J. Cowen, London, GB;
Jason Field, London, GB;
Sagitha George, Harrow, GB;
David A. Roberts, Warrington, GB;
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
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.