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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.:

US 9978059 B1

PDFFull Text
Date of Patent:
May. 22, 2018

Filed:

May. 18, 2015

Systems, apparatus and methods for mobile companion prepaid card

Applicant:

Mastercard International Incorporated, Purchase, NY (US);

Inventors:

Jeffrey Langus, Rye Brook, NY (US);

Venu Appana, Edison, NJ (US);

Rajen S. Prabhu, Singapore, SG;

Assignee:

Mastercard International Incorporated, Purchase, NY (US);

Attorney:

Buckley, Maschoff & Talwalkar LLC

Primary Examiner:

Frantzy Poinvil

Int. Cl.
CPC ...
G06Q 20/36 (2012.01); G06Q 20/28 (2012.01); G06Q 20/40 (2012.01); G06Q 20/00 (2012.01); G06Q 10/00 (2012.01); G06Q 40/00 (2012.01); G06Q 30/00 (2012.01); G06Q 20/18 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/42 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/36 (2013.01); G06Q 10/00 (2013.01); G06Q 20/00 (2013.01); G06Q 20/18 (2013.01); G06Q 20/20 (2013.01); G06Q 20/28 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3255 (2013.01); G06Q 20/34 (2013.01); G06Q 20/346 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/409 (2013.01); G06Q 20/4018 (2013.01); G06Q 20/425 (2013.01); G06Q 30/00 (2013.01); G06Q 40/00 (2013.01);
Abstract

Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.

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