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.

Date of Patent:
Jul. 21, 2026

Filed:

Nov. 26, 2024
Applicant:

Mastercard Asia/pacific Pte. Ltd., Singapore, TH;

Inventors:

Richard Lower, Muang, TH;

Sandeep Gelli, Singapore, IN;

Sandeep Sirdesai, Singapore, IN;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 65/401 (2022.01); G06Q 20/10 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
H04L 65/401 (2022.05); G06Q 20/10 (2013.01); G06Q 20/401 (2013.01);
Abstract

A card network system having an index structure is disclosed for routing cross-border real-time payment communications between domestic RTP systems. The card network system is configured to create a data record in the index structure for a first participating domestic RTP system, where the first participating domestic RTP system associated with a first country, and assign a first PAN to the first participating domestic RTP system, such that other participating domestic RTP systems can send cross-border payment communications to the first participating domestic RTP system through the card network system by obtaining the first PAN from the index structure and using the first PAN in their cross-border communications.


Find Patent Forward Citations

Lower, Richard. (2026). Index structure and card network system for cross border real-time payments (U.S. Patent No. 12689665). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12689665

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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