Patents by Inventor Michael Clay ATKINS

Michael Clay ATKINS has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20190188718
    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.
    Type: Application
    Filed: February 15, 2019
    Publication date: June 20, 2019
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Michael Clay ATKINS
  • Publication number: 20180108011
    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
    Type: Application
    Filed: October 19, 2016
    Publication date: April 19, 2018
    Applicant: MasterCard International Incorporated
    Inventors: Paul O'REGAN, Daire MacMATHUNA, Michael Clay ATKINS
  • Publication number: 20170083918
    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.
    Type: Application
    Filed: September 23, 2016
    Publication date: March 23, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Michael Clay ATKINS
  • Publication number: 20120130889
    Abstract: An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.
    Type: Application
    Filed: November 18, 2011
    Publication date: May 24, 2012
    Applicant: MasterCard International Incorporated
    Inventors: Garry LYONS, David BROWN, Michael Clay ATKINS, Oran CUMMINS, Daniel MARTIN, Alan COOKE, Stephen ELDER