US 11,755,868 B2
Methods and systems for a combined transaction by an assignee on behalf of one or more users
Ajay Sinha, Pune (IN); Bhargav Jagdishchandra Modi, Ahmedabad (IN); Ajit Karnik, Pune (IN); Naveen Kumar Gupta, Pune (IN); Deepa Swami, Pune (IN); Saurabh Banga, Pune (IN); Dipali Pathrabe, Pune (IN); and Namod Chandrashekar Kunder, Mumbai (IN)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Dec. 23, 2022, as Appl. No. 18/88,105.
Application 18/088,105 is a continuation of application No. 16/696,471, filed on Nov. 26, 2019, granted, now 11,537,830.
Claims priority of application No. 10201810608V (SG), filed on Nov. 27, 2018.
Prior Publication US 2023/0138002 A1, May 4, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06K 19/06 (2006.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06K 19/06037 (2013.01) [G06Q 20/3274 (2013.01); G06Q 20/40145 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A server system comprising:
a memory comprising stored computer-executable instructions; and
at least one processor configured to execute the stored computer-executable instructions to cause the server system to:
receive a first transaction request for performing a combined transaction including one or more scheduled transactions initiated at a first transaction terminal by a first user, wherein the first transaction request includes one or more machine readable codes, and wherein the first transaction terminal is in remote communication with a second transaction terminal for completing the combined transaction;
generate a composite machine readable code by combining the one or more machine readable codes and at least one authentication attribute of a second user authorized by the first user to conduct the combined transaction at the second transaction terminal, the at least one authentication attribute for authenticating the second user;
transmit the composite machine readable code to a user computing device associated with the second user;
receive a second transaction request to perform at least part of the combined transaction via the second transaction terminal, wherein the second transaction request comprises the composite machine readable code, and wherein the second transaction terminal scans the composite machine readable code and receives authentication data of the second user to (a) authenticate the second user by comparing the at least one authentication attribute in the scanned composite machine readable code to the received authentication data, and (b) generate the second transaction request in response to authenticating the second user; and
transmit instructions to the second transaction terminal to complete the combined transaction after the server system authenticates the composite machine readable code, wherein the instructions cause the second transaction terminal to perform one or more automated teller machine (ATM) transactions when the second transaction terminal is a remote ATM, and wherein the instructions cause the second transaction terminal to perform one or more merchant transactions when the second transaction terminal is a remote merchant terminal.