MasterCard Incorporated

United States of America

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        Patent 3,867
        Trademark 916
Jurisdiction
        United States 2,662
        World 1,316
        Europe 419
        Canada 386
Owner / Subsidiary
MasterCard International Incorporated 4,518
Mastercard Asia Pacific Pte. Ltd. 80
Mastercard Asia/Pacific Pte. Ltd. 65
Brighterion, Inc. 30
Maestro International Incorporated 27
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Date
New (last 4 weeks) 40
2021 January (MTD) 20
2020 December 34
2020 November 31
2020 October 42
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IPC Class
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists 1,351
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices 678
G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof 605
G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination 450
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards 439
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NICE Class
36 - Insurance; financial affairs 741
09 - Scientific and electric apparatus and instruments 433
35 - Advertising; business 361
38 - Telecommunications 283
42 - Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software. 275
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Status
Pending 1,359
Registered / In Force 3,424
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1.

SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK INTERACTIONS

      
Application Number 16922803
Status Pending
Filing Date 2020-07-07
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Theodoro, Marcelo
  • Makarova, Eve
  • Ozkan, Onur Burak
  • Bogomolova, Olga

Abstract

Systems and methods are provided for facilitating network transactions. One exemplary computer-implemented method includes compiling a list of accounts for a user and, for each of the accounts, appending a network scheme identifier to either the account or a profile for the user in association with the account, where the network scheme identifier is indicative of a network to which the account is associated. The method also includes receiving a selection of one of the accounts from the list of accounts in connection with a checkout and identifying the network associated with the selected account based on the network scheme identifier for the selected account. The method then includes transmitting at least one message associated with the checkout to a software development kit (SDK) and/or an application programming interface (API) of the identified network, thereby allowing the identified network to process a network transaction in connection with the checkout.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

2.

SYSTEMS AND METHODS FOR USE IN SHARING DIGITAL IDENTITIES

      
Application Number 16505325
Status Pending
Filing Date 2019-07-08
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Kurylko, Marek
  • Hayes, Joseph
  • Reda, Eugene

Abstract

Systems and methods are provided for using an identity provider (IDP) to implement enrollment of a user to a relying party. One exemplary method includes receiving a login credential for a user from a relying party in connection with enrolling the user to the relying party, where the user is associated with a digital identity and the digital identity includes personal identifying information (PII) of the user. The method also includes generating a one-time-passcode (OTP) and transmitting the OTP to a communication device bound to the digital identity associated with the user, receiving an OTP from the relying party, and when the OTP generated by the computing device matches the OTP received from the relying party, compiling an enrollment file for the user including at least a portion of the PII of the user. The method then includes transmitting the enrollment file to the relying party.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06F 21/60 - Protecting data
  • H04L 9/08 - Key distribution

3.

Systems and Methods for Managing User Identities in Networks

      
Application Number 16507776
Status Pending
Filing Date 2019-07-10
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bhattacharjee, Manash
  • Kamal, Ashfaq
  • Deshpande, Rahul

Abstract

Systems and methods are provided for managing user identities in networks. One exemplary method includes receiving, at a communication device, an API call request for a credential from a relying party. The communication device includes an application that incorporates an SDK. After receiving the API call request for the credential, the communication device authenticates a user associated with the communication device and identified in the API call request. After authentication of the user the communication device generates, via the SDK, a private-public key pair and stores the private key in memory. The communication device compiles, via the SDK, a credential packet include the public key and identity data associated with the user and transmits the credential packet to the relying party, whereby the relying party is registered to the SDK to request assertions of an identity of the user.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • G06F 9/54 - Interprogram communication
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol

4.

METHODS AND SYSTEMS FOR SECURING AND UTILIZING A PERSONAL DATE STORE ON A MOBILE DEVICE

      
Application Number 16925688
Status Pending
Filing Date 2020-07-10
First Publication Date 2021-01-14
Owner Mastercard International Incorporated (USA)
Inventor Kamal, Ashfaq

Abstract

Methods and apparatus for securing access to an encrypted personal data store on a mobile device. In some embodiments, a universal integrated circuit card (UICC) processor receives, from a mobile device processor of a mobile device having an encrypted Personal Data Store (PDS), a PDS access request associated with a mobile application, then determines that access control rules are stored in at least one access control rules database and transmits to the mobile device processor, the access control rules governing access to the data in the encrypted PDS. The process also includes the UICC processor receiving a request for a symmetric shared secret and transmitting the symmetric shared secret to the mobile device processor for use in accessing the PID of the user stored in the encrypted PDS in accordance with the access control rules.

IPC Classes  ?

  • H04W 12/06 - Authentication
  • H04W 12/00 - Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
  • H04W 8/20 - Transfer of user or subscriber data
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • H04L 9/08 - Key distribution
  • G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier

5.

METHOD AND SYSTEM FOR SECURE AND VERIFIABLE OFFLINE BLOCKCHAIN TRANSACTIONS

      
Application Number 16509765
Status Pending
Filing Date 2019-07-12
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Higgins, Stephen

Abstract

A method for performing secure, verifiable, offline blockchain transactions through a trusted execution environment and time-limited credentials includes: storing, in a trusted execution environment of a computing device, a cryptographic key pair comprised of a public key and a private key; transmitting, by a transmitter of the computing device, the public key to a gateway device in a blockchain network; receiving, by a receiver of the computing device, a time-limited credential from the gateway device; generating, by a processing device of the computing device, a blockchain data value, wherein the blockchain data value includes at least the time-limited credential, a transaction amount, and a destination address; digitally signing, by the trusted execution environment of the computing device, the generated blockchain data value using the private key; and transmitting, by the transmitter of the computing device, the signed blockchain data value to an external device.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • H04L 9/08 - Key distribution
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

6.

METHOD AND SYSTEM FOR ACCESS CONTROL OF SHARED SPACES THROUGH BLOCKCHAIN

      
Application Number 16509610
Status Pending
Filing Date 2019-07-12
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Narang, Bhupinder Singh
  • Jain, Ashish
  • Gupta, Pulkit

Abstract

A method for reserving access to a shared space through use of a blockchain and smart contracts includes: storing a blockchain including a plurality of blocks, each block including a block header and one or more blockchain data values, wherein one of the one or more blockchain data values included in one of the plurality of blocks includes a smart contract including at least an identifier and one or more terms; receiving a reservation request, wherein the reservation request includes at least the identifier, a reservation time, a public key of a cryptographic key pair, and a digital signature generated using the private key of the cryptographic key pair; validating the digital signature using the public key; executing the smart contract using the public key and the reservation time; and transmitting one or more data values to an internet-enabled device as part of the execution of the smart contract.

IPC Classes  ?

  • G06Q 10/02 - Reservations, e.g. for tickets, services or events
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

7.

ENHANCED PAYMENT PROCESSING

      
Application Number 16505053
Status Pending
Filing Date 2019-07-08
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Mcgovern, Julie

Abstract

Enhanced payment processing enables a card payment on the buyer side to end up as a bank transfer to the supplier. An enhanced payment processing service can receive a request from a first party to make a payment to a second party. The request can include one or more transactions, each transaction comprising at least a second party identifier and an amount of the payment. In response to receiving the request, the service can obtain VCN information for each transaction; and, for each transaction, communicate the VCN information and a request for an enhanced payment processing transfer to an enhanced payment processing bank. The request for the enhanced payment processing transfer comprises the second party identifier and amount of the payment; and is a request for an electronic payment transfer from the enhanced payment processing bank to a financial institution associated with the second party identifier according to a processing result of the VCN information.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems

8.

METHODS AND SYSTEMS FOR SECURING AND UTILIZING A PERSONAL DATA STORE ON A MOBILE DEVICE

      
Application Number US2020041495
Publication Number 2021/007472
Status In Force
Filing Date 2020-07-10
Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Kamal, Ashfaq

Abstract

Methods and apparatus for securing access to an encrypted personal data store on a mobile device. In some embodiments, a universal integrated circuit card (UICC) processor receives, from a mobile device processor of a mobile device having an encrypted Personal Data Store (PDS), a PDS access request associated with a mobile application, then determines that access control rules are stored in at least one access control rules database and transmits to the mobile device processor, the access control rules governing access to the data in the encrypted PDS. The process also includes the UICC processor receiving a request for a symmetric shared secret and transmitting the symmetric shared secret to the mobile device processor for use in accessing the PID of the user stored in the encrypted PDS in accordance with the access control rules.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/60 - Protecting data
  • H04L 9/08 - Key distribution

9.

ENHANCED PAYMENT PROCESSING

      
Application Number US2020034180
Publication Number 2021/006962
Status In Force
Filing Date 2020-05-22
Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Mcgovern, Julie

Abstract

Enhanced payment processing enables a card payment on the buyer side to end up as a bank transfer to the supplier. An enhanced payment processing service can receive a request from a first party to make a payment to a second party. The request can include one or more transactions, each transaction comprising at least a second party identifier and an amount of the payment. In response to receiving the request, the service can obtain VCN information for each transaction; and, for each transaction, communicate the VCN information and a request for an enhanced payment processing transfer to an enhanced payment processing bank. The request for the enhanced payment processing transfer comprises the second party identifier and amount of the payment; and is a request for an electronic payment transfer from the enhanced payment processing bank to a financial institution associated with the second party identifier according to a processing result of the VCN information.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

10.

METHOD AND SYSTEM FOR DETERMINING FRAUD IN A CARD-NOT-PRESENT TRANSACTION

      
Application Number 16422680
Status Pending
Filing Date 2019-05-24
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Smith, Janet
  • Chisholm, John D.
  • Gerber, Johan
  • Salazar, Clara
  • Wickman, Matthew
  • Meyer, Susan
  • Cordero, Rachael Vahle
  • Merz, Christopher John

Abstract

A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

11.

METHOD AND SYSTEM FOR BLOCKING AND UNBLOCKING MERCHANTS FOR FUTURE TRANSACTIONS

      
Application Number 16508476
Status Pending
Filing Date 2019-07-11
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Garg, Chandan
  • Kumawat, Jaipal Singh
  • Parvathareddy, Sandeep

Abstract

A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

12.

METHOD AND SYSTEM FOR PRE-AUTHORIZATION OF ORPHANED BLOCKCHAIN TRANSACTIONS

      
Application Number 16508509
Status Pending
Filing Date 2019-07-11
First Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Garg, Chandan
  • Keshtwal, Puneet
  • Thukral, Abhinav
  • Lamba, Rahul

Abstract

A method for expedited confirmation and inclusion of orphaned transactions in a blockchain network includes: receiving new blockchain transactions, confirming each of the new blockchain transactions, receiving a new block accepted for the blockchain that includes only a subset of the confirmed blockchain transactions, generating a subsequent new block that includes at least the orphaned transactions that were not included in the received new block, and transmitting the subsequent new block to one or more other nodes in the blockchain network.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 9/06 - Arrangements for secret or secure communication the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

13.

SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MOBILE DEVICE BASED PAYMENT TRANSACTIONS THROUGH NEAR FIELD COMMUNICATION WITH A CONTACTLESS PAYMENT CARD

      
Application Number 16920072
Status Pending
Filing Date 2020-07-02
First Publication Date 2021-01-14
Owner Mastercard International Incorporated (USA)
Inventor
  • Manchanda, Lalit
  • Sinha, Ajay
  • Gupta, Naveen Kumar

Abstract

The invention provides methods, systems and computer program products for implementing a contactless payment card based payment transaction. The invention may in an embodiment be implemented by (i) establishing a contactless communication protocol based data channel with a contactless payment card through a processor implemented contactless communication enabled device, (ii) receiving payment card information from the contactless payment card over the contactless communication protocol based data channel, (iii) transmitting to a kernel server, a payment transaction request for onward transmission to an issuer server associated with the contactless payment card, the payment transaction request identifying a payment amount, a payee account, and payment account associated with the contactless payment card, (iv) receiving from the kernel server, a validation cryptogram, request wherein the validation cryptogram request has been generated by the issuer server transmitting the validation cryptogram to the kernel server, for onward transmission to the issuer server.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

14.

SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK INTERACTIONS

      
Application Number US2020039094
Publication Number 2021/007026
Status In Force
Filing Date 2020-06-23
Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Theodoro, Marcelo
  • Ozkan, Onur, Burak
  • Bogomolova, Olga
  • Makarova, Eve

Abstract

Systems and methods are provided for facilitating network transactions. One exemplary computer-implemented method includes compiling a list of accounts for a user and, for each of the accounts, appending a network scheme identifier to either the account or a profile for the user in association with the account, where the network scheme identifier is indicative of a network to which the account is associated. The method also includes receiving a selection of one of the accounts from the list of accounts in connection with a checkout and identifying the network associated with the selected account based on the network scheme identifier for the selected account. The method then includes transmitting at least one message associated with the checkout to a software development kit (SDK) and/or an application programing interface (API) of the identified network, thereby allowing the identified network to process a network transaction in connection with the checkout.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06F 8/34 - Graphical or visual programming
  • G06F 8/35 - Creation or generation of source code model driven
  • G06F 9/451 - Execution arrangements for user interfaces
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system

15.

SYSTEMS AND METHODS FOR MANAGING USER IDENTITIES IN NETWORKS

      
Application Number US2020036923
Publication Number 2021/006983
Status In Force
Filing Date 2020-06-10
Publication Date 2021-01-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bhattacharjee, Manash
  • Kamal, Ashfaq
  • Deshpande, Rahul

Abstract

Systems and methods are provided for managing user identities in networks. One exemplary method includes receiving, at a communication device, an API call request for a credential from a relying party. The communication device includes an application that incorporates an SDK. After receiving the API call request for the credential, the communication device authenticates a user associated with the communication device and identified in the API call request. After authentication of the user the communication device generates, via the SDK, a private-public key pair and stores the private key in memory. The communication device compiles, via the SDK, a credential packet include the public key and identity data associated with the user and transmits the credential packet to the relying party, whereby the relying party is registered to the SDK to request assertions of an identity of the user.

IPC Classes  ?

  • H04W 12/00 - Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints

16.

Transaction Device Management

      
Application Number 16919868
Status Pending
Filing Date 2020-07-02
First Publication Date 2021-01-07
Owner Mastercard International Incorporated (USA)
Inventor
  • Noe, James Christian
  • Tierney, John

Abstract

There is provided a computer-implemented method for management of a transaction device with a contactless interface, the method being performed by a mobile device. The method comprises accessing a mobile service application installed on the mobile device, authenticating a user at the mobile device, establishing a management operation associated with the transaction device. The method further comprises the mobile device requesting a response from the transaction device associated with the management operation via the contactless interface, the transaction device generating the response and providing it to the mobile device; and the mobile service application using the response to effect the management operation. There is also provided a suitably configured mobile device and transaction device for performance of the above-described methods.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

17.

METHOD AND SYSTEM FOR AUTHORIZATION USING A PUBLIC LEDGER AND ENCRYPTION KEYS

      
Application Number 17026408
Status Pending
Filing Date 2020-09-21
First Publication Date 2021-01-07
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Buckman, Brien
  • Flast, Benjamin Alexander

Abstract

A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 9/08 - Key distribution
  • H04L 9/14 - Arrangements for secret or secure communication using a plurality of keys or algorithms
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol

18.

METHOD AND SYSTEM FOR AUTHENTICATION OF COUPONS VIA BLOCKCHAIN

      
Application Number 17026426
Status Pending
Filing Date 2020-09-21
First Publication Date 2021-01-07
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Arora, Ankur

Abstract

A method for authentication of coupons using a blockchain includes: storing transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving an identification value; receiving a block included in a blockchain, wherein the block includes at least a block header and a plurality of transaction values, each transaction value including at least a coupon identifier and coupon data; executing a query on the received block to identify a specific transaction value of the plurality of transaction values where the included coupon identifier corresponds to the received identification value; and executing a query on the memory to update at least the transaction amount included in the stored transaction data based on the coupon data included in the identified specific transaction value.

IPC Classes  ?

  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06F 16/2455 - Query execution
  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

19.

METHOD AND SYSTEM FOR CONDUCTING TRANSACTIONS USING ELECTRONIC CHIP

      
Application Number 16906654
Status Pending
Filing Date 2020-06-19
First Publication Date 2021-01-07
Owner MASTERCARD INTERNATIONAL INCORPORATED. (USA)
Inventor
  • Aggarwal, Anurag
  • Umrao, Archit
  • Gupta, Amit
  • Koduri, Aditya

Abstract

A method and a system for conducting a transaction using an electronic chip are provided. One or more details of a plurality of payment modes and a first authentication parameter are stored in the electronic chip. The electronic chip receives an authentication request including a second authentication parameter from a terminal device when the transaction is initiated at the terminal device. The electronic chip compares the first and second authentication parameters, and communicates an authentication response including one or more details of a first payment mode of the plurality of payment modes to the terminal device based on a match between the first authentication parameter and the second authentication parameter. The transaction is processed based on the authentication response.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation

20.

MASTERCARD ACCESS

      
Serial Number 90449100
Status Pending
Filing Date 2021-01-05
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Insurance; financial affairs
  • 42 - Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software.

Goods & Services

downloadable computer software for routing payments for authorization and clearing; downloadable application programming interface (API) software for processing payments payment processing services; payment card transaction settlement services; electronic funds transfer; clearing and reconciling financial transactions via a global computer network; settlement of financial transactions via electronic communications networks and/or by means of contactless data transmission application service provider featuring application programming interface software for routing payments for authorization and clearing; software as a service (Saas) for payment processing

21.

METHOD AND SYSTEM FOR FACILITATING REUSE OR RECYCLING OF PACKING BAGS

      
Application Number 16856389
Status Pending
Filing Date 2020-04-23
First Publication Date 2020-12-31
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Gupta, Naveen Kumar
  • Sinha, Ajay
  • Modi, Bhargav Jagdishchandra

Abstract

A method and a system for facilitating reuse or recycling of a packing bag are provided. A server links one or more details of the packing bag with a user identifier of a user based on an issuance of the packing bag to the user. The packing bag is associated with an identity tag that stores the one or more details of the packing bag. The server detects an occurrence of a first event associated with the packing bag. The first event corresponds to the reuse of the packing bag by the user or submission of the packing bag by the user for recycling. Based on the detection of the first event, the server credits one or more reward points to a reward point account that is associated with the user identifier of the user. The reward points credited to the reward point account are redeemable by the user.

IPC Classes  ?

  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06Q 10/00 - Administration; Management

22.

METHODS AND SYSTEMS ENABLING EXTERNAL ENTITY TO PROVISION PAYMENT CREDENTIALS TO A DIGITAL DEVICE

      
Application Number 16911004
Status Pending
Filing Date 2020-06-24
First Publication Date 2020-12-31
Owner Mastercard International Incorporated (USA)
Inventor
  • Beltramino, Gabriel
  • Maurya, Piyush
  • Liscia, Maurice David
  • Botes, Charl Frederik

Abstract

Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

23.

AUTHENTICATING A USER ASSOCIATED WITH A PLURALITY OF USER DEVICES USING A PLURALITY OF TYPES OF AUTHENTICATION INFORMATION

      
Application Number 16452168
Status Pending
Filing Date 2019-06-25
First Publication Date 2020-12-31
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Kohli, Manoneet

Abstract

A system for authenticating a user associated with a plurality of user devices using a plurality of types of authentication information. The system includes an electronic computing device including an electronic processor. The electronic processor is configured to receive, from a user device, a request to access sensitive information and send, to the user device, a request for a first accuracy measurement for a first type of authentication information. When first accuracy measurement is below a predetermined threshold, the electronic processor sends to the user device a request for a second accuracy measurement for a second type of authentication information. When the second accuracy measurement is above or equal to the predetermined threshold, the electronic processor authenticates the user and lowers the predetermined threshold for each user device associated with a user profile, records an anomaly associated with the first type of the authentication information, or both.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • H04W 12/06 - Authentication
  • H04W 12/08 - Access security

24.

AUTHENTICATING A USER ASSOCIATED WITH A PLURALITY OF USER DEVICES

      
Application Number US2020028745
Publication Number 2020/263385
Status In Force
Filing Date 2020-04-17
Publication Date 2020-12-30
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Kohli, Manoneet

Abstract

A system for authenticating a user associated with a plurality of user devices using a plurality of types of authentication information. The system includes an electronic computing device including an electronic processor. The electronic processor is configured to receive, from a user device, a request to access sensitive information and send, to the user device, a request for a first accuracy measurement for a first type of authentication information. When first accuracy measurement is below a predetermined threshold, the electronic processor sends to the user device a request for a second accuracy measurement for a second type of authentication information. When the second accuracy measurement is above or equal to the predetermined threshold, the electronic processor authenticates the user and lowers the predetermined threshold for each user device associated with a user profile, records an anomaly associated with the first type of the authentication information, or both.

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 21/33 - User authentication using certificates
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 7/02 - Comparing digital values

25.

METHODS AND SYSTEMS ENABLING EXTERNAL ENTITY TO PROVISION PAYMENT CREDENTIALS TO A DIGITAL DEVICE

      
Application Number US2020039062
Publication Number 2020/263781
Status In Force
Filing Date 2020-06-23
Publication Date 2020-12-30
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Botes, Charl, Frederik
  • Maurya, Piyush
  • Beltramino, Gabriel
  • Liscia, Maurice, David

Abstract

Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/14 - Payment architectures specially adapted for billing systems
  • G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

26.

Natural experiment finder system and method

      
Application Number 13337498
Grant Number 10878357
Status In Force
Filing Date 2011-12-27
First Publication Date 2020-12-29
Grant Date 2020-12-29
Owner Applied Predictive Technologies, Inc. (USA)
Inventor
  • Rosenman, Evan
  • Silverman, Aaron
  • Paunikar, Vrushali
  • Li, Alan
  • D'Agostino, Mark
  • Crewson, Andrew
  • Monteiro, Michael
  • Ings, Scott

Abstract

The methods and systems described herein attempt to address the above-mentioned need by providing an algorithm and software capability to automatically detect and assess “natural experiments” that exist in any underlying dataset. In one embodiment, a computer-implemented method for identifying an experiment to use in an analysis of a business initiative comprises storing, by a computer, a set of historical data regarding entities in a business network; receiving, by the computer, a selection of inputs for the historical data; detecting, by the computer, a natural experiment based upon changes in the discretized historical data; and outputting, by the computer, a report of a detected experiment from the discretized historical data.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06N 5/00 - Computer systems using knowledge-based models

27.

Generating peer benchmark datasets

      
Application Number 15786650
Grant Number 10878403
Status In Force
Filing Date 2017-10-18
First Publication Date 2020-12-29
Grant Date 2020-12-29
Owner Mastercard International Incorporated (USA)
Inventor
  • Zapata-Petrov, Jose Luis
  • Tiwary, Avyaktanand
  • Kumar, Randhir

Abstract

Methods and systems to generate a peer benchmark dataset comprises receiving a request to generate a deviation value between a payment card and other similar card in the market; querying a first database to receive a first dataset associated with the payment card; querying a second database to receive a second dataset comprising different cards and their respective transaction data; selecting a subset of the cards from the second database based on their spend band and a second characteristic; querying a third database to receive transaction data associated with the selected cards; generating a peer benchmark dataset based on the selected cards and their respective transaction data; and updating a graphical user interface on the client computing device to display the peer benchmark dataset and the first dataset.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/24 - Credit schemes, i.e. "pay after"
  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination

28.

SPLIT MESSAGE INITIATED PAYMENT SYSTEM, METHOD AND APPARATUS

      
Application Number 17011003
Status Pending
Filing Date 2020-09-03
First Publication Date 2020-12-24
Owner Mastercard International Incorporated (USA)
Inventor
  • Lacoss-Arnold, Jason Jay
  • Rohlfing, Joan L.

Abstract

A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems

29.

DATA ANALYSIS SYSTEMS AND METHODS FOR IDENTIFYING RECURRING PAYMENT PROGRAMS

      
Application Number 17008060
Status Pending
Filing Date 2020-08-31
First Publication Date 2020-12-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Allbright, Joshua A.
  • Merz, Christopher John

Abstract

An analytics computing system for analyzing payment transaction data to identify merchants having a recurring payment program is provided. The analytics computing system is configured to receive first payment transaction data for a plurality of transactions associated with a merchant, generate an actual transaction amount distribution, compare the actual transaction amount distribution to a stored model distribution, compare an angle distance to a predefined threshold value, and identify whether the merchant is a merchant performing recurring payment transactions. The analytics computing system is also configured to store that the merchant is a recurring payment merchant and alert an analyst that the merchant is a recurring payment merchant by transmitting an alert message to a user computing device in communication with the analytics computing device.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/08 - Payment architectures
  • G06F 17/18 - Complex mathematical operations for evaluating statistical data
  • G06Q 20/24 - Credit schemes, i.e. "pay after"
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

30.

MASTERCARD ACCESS

      
Application Number 207253400
Status Pending
Filing Date 2020-12-21
Owner Mastercard International Incorporated (USA)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 35 - Advertising; business
  • 36 - Insurance; financial affairs
  • 45 - Legal services; security services for the protection of property and individuals; personal and social services rendered by others to meet the needs of individuals.

Goods & Services

(1) Computer hardware and software (recorded and/or downloadable) for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization, clearing and settlement services, fraud detection and control, disaster recovery and encryption services; telecommunication and electrical apparatus and instruments, namely, apparatus for the recording, transmission and reproduction of data including sound and images; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories, namely, integrated circuit memories and banking card memories; encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; chip cards, stored value cards, electronic data carrier cards all encoded; electronic encryption units; credit cards, debit cards; computer chips embedded in telephones and other communication devices; cash dispensing machines; computer peripheral devices and electronic goods, namely, calculating machines, electronic organizers, electronic notepads, pocket planners, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) and alarms; mouse pads; parts and fittings for all the aforesaid goods. (1) Financial services, namely credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, check cashing, deposit access and automated teller machine services; transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services, and related switching, gateway and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; financial clearing and settlement services; payment processing services; electronic processing of payments via a global computer network; payment transaction authentication and verification services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, providing financial information, namely credit and debit card data and reports and electronic funds transfer, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

31.

MASTERCARD ACCESS

      
Application Number 018358302
Status Pending
Filing Date 2020-12-18
Owner Mastercard International Incorporated (USA)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Insurance; financial affairs

Goods & Services

Computer hardware and software (recorded and/or downloadable) for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization, clearing and settlement services, fraud detection and control, disaster recovery and encryption services; telecommunication and electrical apparatus and instruments, namely, apparatus for the recording, transmission and reproduction of data including sound and images; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories, namely, integrated circuit memories and banking card memories; encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; chip cards, stored value cards, electronic data carrier cards all encoded; electronic encryption units; credit cards, debit cards; computer chips embedded in telephones and other communication devices; cash dispensing machines; computer peripheral devices and electronic goods, namely, calculating machines, electronic organizers, electronic notepads, pocket planners, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) and alarms; mouse pads; parts and fittings for all the aforesaid goods. Financial services, namely credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, check cashing, deposit access and automated teller machine services; transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services, and related switching, gateway and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; financial clearing and settlement services; payment processing services; electronic processing of payments via a global computer network; payment transaction authentication and verification services; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, providing financial information, namely credit and debit card data and reports and electronic funds transfer, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

32.

MASTERCARD EMPOWERING EVERY BUSINESS

      
Application Number 018358273
Status Pending
Filing Date 2020-12-18
Owner Mastercard International Incorporated (USA)
NICE Classes  ?
  • 35 - Advertising; business
  • 36 - Insurance; financial affairs

Goods & Services

Advertising; business management; business administration; marketing, advertising and promotional services; financial marketing; financial statement preparation and analysis for businesses; business advice relating to financial re-organisation; office functions; business advisory services; business investigations; commercial information agencies; presentation of goods on communication media for retail purposes; price comparison services; organization of exhibitions for commercial or advertising purposes; marketing consulting services; market research services; tracking, analyzing, forecasting and reporting cardholder purchase behavior; promoting the sale of the goods and services of others by means of rewards and incentives generated in connection with the use of credit, debit and payment cards; business administration of loyalty and rewards programs; commercial, industrial and business management assistance; business appraisals; advisory services for business management; marketing studies; statistical information (business); preparation of statements of accounts; book-keeping; business research; providing business information; public relations; publication of publicity texts; issuing of publicity leaflets; computer database management; promoting concerts and cultural events of others, organization of expositions having commercial or advertising purposes; advertising for transport, travel, hotels, lodging, food and meals, sports, entertainment and sightseeing; providing information regarding purchase of goods and services on-line via the Internet and other computer networks; information, advisory and consultancy services related to all the aforesaid services. Financial services, namely credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, check cashing, deposit access and automated teller machine services; transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services, and related switching, gateway and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; payment processing, verification and authorization; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, providing financial information, namely credit and debit card data and reports and electronic funds transfer, financial assessment and risk management services for others in the field of consumer credit; providing information to businesses in the field of reconciling financial transactions, with a view to detecting and preventing suspicious and fraudulent financial behavior and reducing monetary losses; providing information to businesses relating to financial risk management to assist with detection and prevention of fraudulent financial behavior; financial services provided with computerized biometric authentication and identification in order to secure transactions and payments of all kinds; financial transaction authentication and verification services, namely, providing secure commercial transactions; financial services provided via computerized biometric authentication; dissemination of financial information via a global computer network or via telecommunication, mobile or wireless devices; financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; processing of financial transactions via a computer database or via telecommunications and at point of sale; processing of financial transactions online via a global computer network or via telecommunication, mobile or wireless devices; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; real estate property services; real estate valuations; real estate investment management; real estate investment services; real estate insurance services; insurance for property owners; insurance services relating to property; real estate financing; real estate brokerage; real estate appraisals; real estate agency services; evaluation of real estate; real estate administration; administration of financial affairs relating to real estate; provision of real estate loans; financing services relating to real estate development; financial brokerage services for real estate; financial services relating to real estate property and buildings; financial services for the purchase of real estate; arranging of loan agreements secured on real estate; arranging of shared ownership of real estate; arranging the provision of finance for real estate purchase; assisting in the acquisition of and interests in real estate; capital investment in real estate; commercial property investment services; financial services relating to the acquisition of property; financial services relating to the sale of property; financial valuation of freehold property; financial valuation of leasehold property; arranging letting of real estate; arranging of leases of real estate; leasing of property; leasing of real estate property; leasing of freehold property; estate management services relating to transactions in real property; valuation of property; property portfolio management; management of property; advisory services relating to real estate ownership; advisory services relating to real estate valuations; corporate real estate advisory services; computerized information services relating to real estate; consultation services relating to real estate; provision of information relating to real estate property; provision of information relating to the property market; research services relating to real estate acquisition; research services relating to real estate selection; mortgage financing and asset securitization; consulting services regarding payment solutions, banking, credit card, debit card and payment cards; information, advisory and consultancy services relating to all the aforesaid services.

33.

METHOD AND SYSTEM FOR REAL-TIME DRIVING ALERTS

      
Application Number 16437210
Status Pending
Filing Date 2019-06-11
First Publication Date 2020-12-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Koduri, Aditya
  • Patel, Rakesh
  • Kumawat, Jaipal Singh

Abstract

A method for tracking rash driving includes: receiving a plurality of rider embarkation notifications, each including a digital signature and a vehicle identifier; generating a new block for a blockchain, the new block including a block header and a plurality of blockchain data values, each blockchain data value corresponding to a rider embarkation notification and including the respective digital signature; receiving a rash driving notification including the vehicle identifier; transmitting a confirmation request to at least one mobile computing device associated with one of the plurality of rider embarkation notifications; receiving a confirmation message from one of the at least one mobile computing devices; and generating a subsequent block for the blockchain, the subsequent block including a new block header and a new data value, the new data value including an indication of rash driving.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
  • G07C 5/08 - Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle, or waiting time
  • H04L 9/06 - Arrangements for secret or secure communication the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

34.

DIGITAL DESIGN APPLICATION PLUGIN FOR CONTENT UPDATES AND DELIVERY

      
Application Number 16438368
Status Pending
Filing Date 2019-06-11
First Publication Date 2020-12-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bland, Paul
  • Nassiri, Amin
  • Belcher, Melinda
  • Eckert, Jason
  • Rosenberg, Selene Noel

Abstract

A digital design application plugin for content updates and delivery includes an export function and an import function. The export function extracts content items from a specified SKETCH file to a named file having a different file format, each content item having a path and one or more identifiers. In response to receiving a request to import from the named file to the specified SKETCH file, the import function updates the specified SKETCH file by parsing the named file for the path and the one or more identifiers; traverses the specified SKETCH file according to the path obtained from the named file for that content item; compares identifiers associated with that content item and the content itself to identify any changes from the named file; and modifies the content of the specified SKETCH file with the changes as indicated by the named file.

IPC Classes  ?

  • G06F 16/11 - File system administration, e.g. details of archiving or snapshots
  • G06F 16/176 - Support for shared access to files; File sharing support
  • G06F 16/13 - File access structures, e.g. distributed indices

35.

REFUNDING REAL-TIME PAYMENT TRANSACTION VIA PAYMENT CARD NETWORK MESSAGING AND SETTLEMENT

      
Application Number 16440055
Status Pending
Filing Date 2019-06-13
First Publication Date 2020-12-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Singh, Irina
  • Malhotra, Sandeep
  • Rausaria, Suman

Abstract

A request for a refund is received relative to a payment transaction implemented in a real-time payment system. The request is transmitted to an issuer financial institution that maintains an account for the payer in the payment transaction. A response is received from the issuer financial institution. The response is transmitted to an acquirer financial institution that provides financial services to the recipient of the payment transaction. A first transfer message is transmitted to the issuer financial institution directing the issuer financial institution to credit a refund amount to the payer's account and to debit a settlement holding account maintained by the issuer financial institution. A second transfer message is transmitted to the acquirer financial institution to debit the refund amount from the recipient's account. The refund amount is settled from the acquirer financial institution to the issuer financial institution via a payment card account network settlement system.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/26 - Debit schemes, i.e. "pay now"
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

36.

Method and System for Facilitating Transactions

      
Application Number 16897219
Status Pending
Filing Date 2020-06-09
First Publication Date 2020-12-17
Owner Mastercard International Incorporated (USA)
Inventor
  • Piparsaniya, Harsh
  • Gupta, Sudhir
  • Agrawal, Rahul

Abstract

A method for facilitating transactions includes creation of a first virtual group, including a plurality of group members, by a server. The server adds, to the first virtual group, payment modes of the group members. The server receives a transaction request for a transaction associated with a first group member of the first virtual group. The server selects a first set of payment modes suitable for the transaction from the payment modes added to the first virtual group. The server renders, on a first device of the first group member, a graphical interface for presenting the first set of payment modes to the first group member for selection. The server initiates the transaction using a first payment mode selected by the first group member from the first set of payment modes. The first payment mode is associated with a second group member of the first virtual group.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

37.

METHOD AND CORRESPONDING PROXY SERVER, SYSTEM, COMPUTER-READABLE STORAGE MEDIUM AND COMPUTER PROGRAM

      
Application Number 16579167
Status Pending
Filing Date 2019-09-23
First Publication Date 2020-12-17
Owner Mastercard Asia Pacific Pte. Ltd. (Singapore)
Inventor
  • Seshadri, Tadepally Venkata
  • Murali, Manohar
  • Malhotra, Sandeep

Abstract

A method is provided. The method includes receiving a request message, the request message relating to a transaction between a first client and a second client, the request message including first client data and second client data, the first client data identifying an account to be used by the first client in the transaction, the second client data indicating if the second client is subscribed to a service. The method further includes determining if the second client is subscribed to the service, and generating an authentication request message if the second client is not subscribed to the service, the authentication request message requesting confirmation that a holder of the account is the first client. The method further includes sending the authentication request message, and receiving an authentication response message from the external server in response, the authentication response message including an indication whether the holder is the first client.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol

38.

SYSTEMS AND METHODS FOR ACTUATING AN ELECTRONIC LOCK UPON PAYMENT FOR DELIVERY SERVICES

      
Application Number 17008008
Status Pending
Filing Date 2020-08-31
First Publication Date 2020-12-17
Owner Mastercard International Incorporated (USA)
Inventor
  • Sauer, Tara L.
  • Scholl, Christopher T.

Abstract

A system and computer-implemented method includes the operation of detecting, by a payment-on-delivery device, a carrier mobile computing device of a package carrier. The payment-on-delivery device establishes a communications link with the carrier mobile computing device. The payment-on-delivery device receives a carrier mobile device identifier from the carrier mobile computing device. In addition, the payment-on-delivery device presents an access code to the package carrier for actuating the electronic lock to unlock an access point to a delivery location. The payment-on-delivery device then obtains a location of the carrier mobile computing device from a location service associated with the carrier mobile computing device using the carrier mobile device identifier. Furthermore, the payment-on-delivery device transmits a “lock” command to the electronic lock for actuating the electronic lock to lock the access point based on the location of the carrier mobile computing device.

IPC Classes  ?

  • G07C 9/33 - Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a password
  • G06Q 50/28 - Logistics, e.g. warehousing, loading, distribution or shipping
  • G07C 9/00 - Individual registration on entry or exit

39.

SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD

      
Application Number 17008049
Status Pending
Filing Date 2020-08-31
First Publication Date 2020-12-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Brown, David C.
  • Blythe, Simon
  • Kimberg, Deborah M.
  • Sabet, Mostafa Hussein

Abstract

A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

40.

REFUNDING REAL-TIME PAYMENT TRANSACTION

      
Application Number US2020028741
Publication Number 2020/251657
Status In Force
Filing Date 2020-04-17
Publication Date 2020-12-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Malhotra, Sandeep
  • Singh, Irina
  • Rausaria, Suman

Abstract

A request for a refund is received relative to a payment transaction implemented in a real-time payment system. The request is transmitted to an issuer financial institution that maintains an account for the payer in the payment transaction. A response is received from the issuer financial institution. The response is transmitted to an acquirer financial institution that provides financial services to the recipient of the payment transaction. A first transfer message is transmitted to the issuer financial institution directing the issuer financial institution to credit a refund amount to the payer's account and to debit a settlement holding account maintained by the issuer financial institution. A second transfer message is transmitted to the acquirer financial institution to debit the refund amount from the recipient's account. The refund amount is settled from the acquirer financial institution to the issuer financial institution via a payment card account network settlement system.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols

41.

SYSTEMS AND METHODS FOR SETTLING CHARGEBACK REQUESTS

      
Application Number 16434762
Status Pending
Filing Date 2019-06-07
First Publication Date 2020-12-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Rohlfing, Joan Lee
  • Kolb, John Harold
  • Powell, Michael Scott
  • Carosello, Mark F.

Abstract

Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data. The computing device is configured to determine whether the dispute record, the clearing detail record, and the chargeback response match, and generate an individual reconciliation record using data from the dispute record, the clearing detail record, and/or the chargeback response.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

42.

SYSTEMS AND METHODS FOR FACILITATING NETWORK REQUESTS

      
Application Number 16881970
Status Pending
Filing Date 2020-05-22
First Publication Date 2020-12-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Kellett, Paul
  • Judge, Edward William

Abstract

Systems and methods are provided for facilitating network requests regarding transit. One exemplary method includes receiving, at a computing device, from a network, a request directed to a user account having a first resource and a second resource, where the request includes a category code for an entity and an identifier for the user account, and determining, by the computing device, whether the category code is indicative of a first segment of entities or a second segment of entities. The method then also includes, when the category code is indicative of the first segment, assigning the request to the first resource and responding to the request based on the first resource and, when the category code is indicative of the second segment, assigning the request to the second resource and responding to the request based on the second resource.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/26 - Debit schemes, i.e. "pay now"

43.

CREDENTIAL MANAGEMENT IN DISTRIBUTED COMPUTING SYSTEM

      
Application Number US2020029187
Publication Number 2020/247092
Status In Force
Filing Date 2020-04-22
Publication Date 2020-12-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Collinge, Mehdi
  • Laazimani, Omar

Abstract

A computing node in a distributed information security system, wherein the computing node is adapted to communicate with a subset of clients of the distributed information security system, wherein the computing node provides at least one cryptographic service for the clients of the subset, wherein the computing node is provisioned with a plurality of keys for use by said at least one cryptographic service, wherein the computing node is adapted to associate a key from the plurality of keys to a service request for a client according to a deterministic process based on one or more data associated with the client. A distributed information security system comprising a plurality of such nodes is also described, together with a method of providing a cryptographic service at such a computing node.

IPC Classes  ?

  • G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
  • H04L 29/04 - Communication control; Communication processing for plural communication lines
  • G16Y 40/30 - Control

44.

SYSTEMS AND METHODS FOR FACILITATING NETWORK REQUESTS

      
Application Number US2020034128
Publication Number 2020/247188
Status In Force
Filing Date 2020-05-22
Publication Date 2020-12-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Kellett, Paul
  • Judge, Edward, William

Abstract

Systems and methods are provided for facilitating network requests regarding transit. One exemplary method includes receiving, at a computing device, from a network, a request directed to a user account having a first resource and a second resource, where the request includes a category code for an entity and an identifier for the user account, and determining, by the computing device, whether the category code is indicative of a first segment of entities or a second segment of entities. The method then also includes, when the category code is indicative of the first segment, assigning the request to the first resource and responding to the request based on the first resource and, when the category code is indicative of the second segment, assigning the request to the second resource and responding to the request based on the second resource.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

45.

SECURITY MODEL FOR DISTRIBUTED COMPUTING SYSTEM

      
Application Number US2020029190
Publication Number 2020/247093
Status In Force
Filing Date 2020-04-22
Publication Date 2020-12-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Collinge, Mehdi
  • Laazimani, Omar

Abstract

A method for a computing node to provide a cryptographic key in response to a service request, the method comprising: establishing a key list, wherein the key list comprises key identifiers for a plurality of keys; receiving a service request and identifying that a key is required in response to the service request; and using a deterministic process from data associated with the service request to allocate one of the key identifiers and hence the key associated with said one of the key identifiers to the service request. A suitably configured computing node is also described.

IPC Classes  ?

  • G06K 9/46 - Extraction of features or characteristics of the image
  • G06N 20/20 - Ensemble learning

46.

EVENT MANAGEMENT IN DISTRIBUTED COMPUTING SYSTEM

      
Application Number US2020029192
Publication Number 2020/247095
Status In Force
Filing Date 2020-04-22
Publication Date 2020-12-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Radu, Cristian
  • Collinge, Mehdi
  • Laazimani, Omar

Abstract

A method is described of managing service events in a distributed computing system. The distributed computing system comprises a plurality of computing nodes able to perform a service using a service process. The method takes place at one of the computing nodes. A service event is received or created. This service event is identified by a combination of a node identifier, a time element, and a local counter value. The local counter value represents a number of service events performed by a service process for a user since a last reset. The identified service event is then stored in a service process database according to node identifier and local counter values. The service process database is used to manage service events in the distributed system. Service events are removed from the service process database when no longer valid using the time element. Suitable computing nodes and a suitable distributed system are also described.

IPC Classes  ?

  • G16Y 40/30 - Control
  • H04L 29/04 - Communication control; Communication processing for plural communication lines

47.

MASTERCARD WILDLIFE IMPACT CARD

      
Application Number 018350206
Status Pending
Filing Date 2020-12-07
Owner Mastercard International Incorporated (USA)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Insurance; financial affairs

Goods & Services

Computer hardware and software (recorded and/or downloadable) for facilitating and administering payment, banking, credit card, debit card, payment card, automatic teller machine, stored value, electronic funds transfer, electronic payments, electronic processing and transmission of bill payment data, cash disbursement, transaction authentication, routing, authorization and settlement services, fraud detection and control, disaster recovery and encryption services; telecommunication and electrical apparatus and instruments, namely, apparatus for the recording, transmission and reproduction of data including sound and images; apparatus for tracking, management and analysis of financial accounts via a global computer network; computer hardware and software, namely, for the development, maintenance and use of local and wide area computer networks; systems for reading memory cards and systems for reading data in memories, namely, integrated circuit memories and banking card memories; encoders and decoders; computer hardware and software for facilitating payment transactions by electronic means over wireless networks, global computer networks and/or mobile telecommunications devices; computer software and hardware that facilitates the identification and authentication of near field communication (NFC) devices and radio frequency identification (RFID) devices; computer hardware and software comprising a digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts; downloadable computer programs and application software for mobile phones and other digital devices comprising a digital wallet that allow users to access price-comparison information, product reviews, links to the retail websites of others, and discount information; software application for use in connection with contactless payment terminals for the purpose of allowing merchants to accept contactless mobile commerce transactions, contactless presentation of loyalty credentials, and contactless redemption of coupons, rebates, discounts, vouchers and special offers; software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers delivered by contactless RFID or NFC communications; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers delivered by contactless RFID or NFC communications; integrated circuit chips for use in mobile phones and NFC and RFID devices; cards encoded with security features for authentication purposes; cards encoded with security features for identification purposes; chip cards, stored value cards, electronic data carrier cards all encoded; electronic encryption units; credit cards, debit cards; computer chips embedded in telephones and other communication devices; cash dispensing machines; computer peripheral devices and electronic goods, namely, calculating machines, electronic organizers, electronic notepads, pocket planners, mobile telephones, mobile telephone handsets, tablet computers, digital readers and personal digital assistants (PDAs) and alarms; mouse pads; parts and fittings for all the aforesaid goods. Financial services, namely credit card services, debit card services, charge card services, pre-paid card services offered through cards with stored value, electronic credit and debit transactions, bill payment and presentment services, check cashing, deposit access and automated teller machine services; transaction reconciliation, cash management, consolidated funds settlement, consolidated dispute processing, financial information with respect to data repository and client profile information services, and related switching, gateway and funds movement services in the field of payment cards, electronic payment processing services, payment transaction authentication and verification services; Charitable fund raising and financial sponsorship; credit card services in connection with the conservation and welfare of wildlife; charitable fundraising services by means of providing a website where donors can make donations to charities or projects aimed at the conservation and welfare of wildlife; organization of financial sponsorship programs to promote and raise public awareness of wildlife conservation and welfare; value exchange services, namely, secure electronic cash transactions and electronic cash transmissions, over public computer networks to facilitate electronic commerce, providing financial information, namely credit and debit card data and reports and electronic funds transfer, financial assessment and risk management services for others in the field of consumer credit; dissemination of financial information via a global computer network, financial information rendered by computer by means of a secure information computer network and advisory services regarding all of the foregoing services; the provision of financial services for the support of retail services provided through mobile telecommunications means, namely, payment services through wireless devices; the provision of financial services for the support of retail services provided on-line, through electronic networks; processing of financial transactions both on-line via a computer database or via telecommunications and at point of sale; processing services for financial transactions by card holders via automatic teller machines; the provision of balance details, deposits and withdrawals of money to card holders via automatic teller machines; payer authentication services; verification of financial information; maintenance of financial records; remote payment services; provision of debit and credit services by means of radio frequency identification devices (transponders); provision of debit and credit services by means of communication and telecommunication devices; the provision of financial services for the support of retail services provided through mobile telecommunications means, including payment services through wireless devices; processing of credit and debit transactions by telephone and telecommunication link; the provision of financial services for the support of retail services provided on-line, through networks or other electronic means using electronically digitized information; value exchange services, namely, the secure exchange of value, including electronic cash, over computer networks accessible by means of smartcards; bill payment services provided through a website; on-line banking; financial services provided over the telephone and by means of a global computer network or the Internet; financial services, namely, the provision of contactless mobile payments through merchants at retail, online and wholesale locations; financial services, namely, providing a cloud-based digital wallet that stores customer account information to access coupons, vouchers, voucher codes and rebates at retailers and to obtain loyalty or monetary rewards that can be credited to their accounts via a cash-back system; consulting services regarding payment solutions, banking, credit card, debit card and payment card; information, advisory and consultancy services relating to all the aforesaid services.

48.

EMPOWERING EVERY BUSINESS

      
Serial Number 90364077
Status Pending
Filing Date 2020-12-07
Owner Mastercard International Incorporated ()
NICE Classes  ? 36 - Insurance; financial affairs

Goods & Services

Secure electronic cash transactions over computer networks to facilitate electronic commerce; processing of financial transactions online via a global computer network or via telecommunication, mobile or wireless devices; providing financial information via a global computer network or via telecommunication, mobile or wireless devices; financial services, namely, payment processing, verification and authorization; financial consulting services in the fields of credit cards, debit cards, and payment cards; providing information to businesses in the field of reconciling financial transactions, with a view to detecting and preventing suspicious and fraudulent financial behavior and reducing monetary losses; providing information to businesses relating to financial risk management to assist with detection and prevention of fraudulent financial behavior; financial services provided with computerized biometric authentication and identification in order to secure transactions and payments of all kinds; financial transaction authentication and verification services, namely, providing secure commercial transactions; financial services provided via computerized biometric authentication

49.

SYSTEMS, COMPUTER-READABLE MEDIA AND COMPUTER-IMPLEMENTED METHODS FOR NETWORK ADAPTER ACTIVATION IN CONNECTION WITH FIBRE CHANNEL UPLINK MAPPING

      
Application Number 16425739
Status Pending
Filing Date 2019-05-29
First Publication Date 2020-12-03
Owner Mastercard International Incorporated (USA)
Inventor
  • Aleshire, Chase A.
  • Williams, Benjamin D.

Abstract

A system, computer-readable media and computer-implemented method for automated network adapter activation in connection with fibre channel uplink mapping. The system includes a non-virtualized storage area network switch having a plurality of fibre channel ports. Each of the fibre channel ports is coupled to a corresponding cable to at least partly define a fibre channel uplink. The system also includes a plurality of client devices. Each client device has a network adapter. The system also includes a processing element and non-transitory computer-readable media having computer-readable instructions instructing the processing element to complete the following steps: (1) automatically execute an algorithm to determine a sequence for mapping the network adapters to respective fibre channel uplinks; (2) automatically determine a network adapter activation pattern based on the sequence to include a time delay between the network adapters; (3) automatically map the network adapters to respective fibre channel uplinks according to the sequence; and (4) automatically activate the network adapters based on the network adapter activation pattern.

IPC Classes  ?

50.

SYSTEM WITH PURPOSE-SPECIFIC IDENTIFIERS FOR VIRTUAL NETWORK INTERFACE CARD

      
Application Number 16425798
Status Pending
Filing Date 2019-05-29
First Publication Date 2020-12-03
Owner Mastercard International Incorporated (USA)
Inventor
  • Aleshire, Chase A.
  • Williams, Benjamin D.

Abstract

A system having standardized addresses for virtual network interface cards, with each card address including one or more purpose-specific identifiers to better facilitate identification and management of the virtual card. A blade or other server or other equipment includes multiple virtual machines, with each virtual machine accessing a network via a virtual card. Each virtual card is associated with a particular fabric interconnect and a particular virtual switch. Each virtual card has a media access control address having six octets, including a fourth octet which includes a server connection hexadecimal value which identifies the particular fabric and a side connection hexadecimal value which identifies the particular virtual switch to which the virtual card is connected. Each possible fabric connection and each possible switch connection may be identified by one of two or more values.

IPC Classes  ?

  • H04L 29/12 - Arrangements, apparatus, circuits or systems, not covered by a single one of groups characterised by the data terminal
  • H04L 12/931 - Switch fabric architecture
  • G06F 9/455 - Emulation; Interpretation; Software simulation, e.g. virtualisation or emulation of application or operating system execution engines

51.

METHODS AND SYSTEMS FOR OPTIMIZING CONFIGURATION OF A RECOMMENDATION PLATFORM

      
Application Number 16875625
Status Pending
Filing Date 2020-05-15
First Publication Date 2020-12-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Dua, Ankur
  • Dhama, Gaurav
  • Arora, Ankur

Abstract

The invention enables optimizing performance of a recommendation server. The invention comprises (i) receiving a first set of customer information corresponding to a first set of events recorded in a first time period in which the recommendation server operates in a first configuration state, (ii) generating a first performance evaluation score based on the first set of customer information, (iii) reconfiguring the recommendation server to operate in a second configuration state having a second performance evaluation score associated therewith, and wherein said second performance evaluation score is generated based on a second set of customer information corresponding to a second set of events recorded in a second time period in which the recommendation server operates in the second configuration state and (iv) transmitting to a terminal device, one or more electronic offers selected for transmission to the customer by the recommendation server operating in the second configuration state.

IPC Classes  ?

  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination

52.

METHOD AND SYSTEM FOR TRUSTWORTHINESS USING DIGITAL CERTIFICATES

      
Application Number 16947545
Status Pending
Filing Date 2020-08-06
First Publication Date 2020-12-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Arora, Ankur
  • Kumar, Manish
  • Sengupta, Shuvam

Abstract

A method for generating digital certificates for anonymous users in blockchain transactions includes: storing a blockchain comprised of a plurality of blocks, each block including a block header and transaction values, where each transaction value includes data related to a blockchain transaction including a sending address, recipient address, and transaction amount; receiving a certificate request from a computing device, the request including a user public key of a cryptographic key pair; identifying a subset of transaction values in the blockchain where the sending address or recipient address was generated using the user public key; determining a confidence level based on the data included in each transaction value included in the subset; generating a digital certificate based on the determined confidence level; and transmitting the generated digital certificate to the computing device.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/22 - Payment schemes or models

53.

DYNAMIC SECURITY CODE AUTHORIZATION VERIFICATION SERVICE

      
Application Number 16995374
Status Pending
Filing Date 2020-08-17
First Publication Date 2020-12-03
Owner MasterCard International Incorporated (USA)
Inventor
  • Warner, Maribeth Sevigny
  • Kaulbach, Pete
  • Dunnell, Robert C.
  • Mcdonald, Robert J.
  • Donnelly, Kathy
  • Roewe, Thomas
  • Jabr, Ghassan T.
  • Hochhalter, Michael
  • Ball, Russell W.
  • House, Winifred Elizabeth
  • Rao, Prasad Krishnamoorthy
  • Hanmer, Matthew
  • Kryza, Nora

Abstract

A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 30/06 - Buying, selling or leasing transactions

54.

SYSTEMS AND METHODS FOR GENERATING GRATUITY ANALYTICS FOR ONE OR MORE RESTAURANTS

      
Application Number 16552944
Status Pending
Filing Date 2019-08-27
First Publication Date 2020-12-03
Owner Mastercard International Incorporated (USA)
Inventor
  • Bhattacharjee, Manash
  • Tiwaree, Prashanna S.

Abstract

A gratuity analytics computing device for generating gratuity analytics for one or more restaurants is provided. The gratuity analytics computing device includes a memory in communication with a processor. The processor programmed to receive a date range from a client computing device. The processor is further configured to receive transaction data for transactions occurring within the date range at a restaurant. The transaction data including a manager identifier, a time stamp, and an employee identifier associated with the transactions, the transaction data including authorization messages and clearing messages. The processor is further configured to match a plurality of authorization messages with a respective plurality of clearing messages. The processor is further configured to calculate tip data for the restaurant based on the plurality of matched messages, generate gratuity analytics for the restaurant over the date range based on the tip data, and display on a user interface of the client computing device the gratuity analytics.

IPC Classes  ?

  • G06Q 50/12 - Hotels or restaurants
  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06Q 10/06 - Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models

55.

HYBRID TOKENIZATION FOR PUSH PAYMENTS

      
Application Number 16887105
Status Pending
Filing Date 2020-05-29
First Publication Date 2020-12-03
Owner Mastercard International Incorporated (USA)
Inventor
  • Shah, Nishith
  • Pimenta, Walter
  • Cardone, Gerardo
  • Goldschmidt, David
  • Loh, Christopher
  • Malvi, Abhijit

Abstract

A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems

56.

Systems and Methods for Use in Clearing and/or Settling Network Transactions

      
Application Number 16997689
Status Pending
Filing Date 2020-08-19
First Publication Date 2020-12-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Subramanian, Shankar

Abstract

Systems and methods are provided for processing network transactions. One exemplary method includes transmitting a network request, received from a first entity, to a second entity; intercepting a network reply from the second entity, when the network reply is associated with the first entity and the first entity is a registered entity; appending an indicator to the network reply when a rule associated with the first entity is satisfied by a parameter of the network reply; and appending a transaction associated with the network reply to a settlement process when the rule is satisfied by the parameter. The exemplary method further includes transmitting the network reply, with the appended indicator, to the first entity, whereby, upon identifying the indicator, the first entity is permitted to omit the transaction from further reporting related to clearing and/or settlement of the transaction.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

57.

Systems and Methods for Use in Approving Transactions, Based on Biometric Data

      
Application Number 16997708
Status Pending
Filing Date 2020-08-19
First Publication Date 2020-12-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Azzam, Mark Jules
  • Roberts, John Eric
  • Wease, Matthew
  • Halkett, Brett Jon

Abstract

Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes prompting a consumer to provide a biometric in connection with a transaction by the consumer, and receiving a payment account credential specific to a payment account for use in the transaction. The method also includes appending a biometric score and an indication of a biometric technology used to capture the biometric to an authorization request associated with the transaction, and transmitting, by the computing device, the authorization request to an issuer.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card

58.

NANO-CODE-BASED REPORTING AND AUTHENTICATION SYSTEMS

      
Application Number 16420853
Status Pending
Filing Date 2019-05-23
First Publication Date 2020-11-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Phillips, Simon
  • Johnson, Alan
  • Britten, Mark

Abstract

A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.

IPC Classes  ?

  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • H04W 12/06 - Authentication
  • G06K 7/14 - Methods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • H04B 1/3827 - Portable transceivers
  • H04N 5/225 - Television cameras

59.

METHOD AND SYSTEM FOR GENERALIZED PROVENANCE SOLUTION FOR BLOCKCHAIN SUPPLY CHAIN APPLICATIONS

      
Application Number 16875154
Status Pending
Filing Date 2020-05-15
First Publication Date 2020-11-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Davis, Steven C.
  • Byrne, Rob
  • Collins, Robert
  • Barta, Deborah Eleanor
  • Nunes Da Silva Carvalho, Leandro

Abstract

A method for conveying auditable information regarding provenance of a product that is cryptographically accurate while retaining complete anonymity of product and participant on a blockchain includes: receiving a product identifier; generating a digital token by applying a hashing algorithm to the product identifier; generating an entry value by applying the hashing algorithm to a combination of an event identifier and the digital token; generating a digital signature by digitally signing a data package using a private key of a cryptographic key pair, where the data package includes at least a blockchain address, the event identifier, and the digital token; and transmitting the blockchain address, the digital signature, and the entry value to a node in a blockchain network.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • G06Q 30/00 - Commerce, e.g. shopping or e-commerce
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • H04L 9/06 - Arrangements for secret or secure communication the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
  • H04L 9/08 - Key distribution
  • H04L 9/14 - Arrangements for secret or secure communication using a plurality of keys or algorithms

60.

SYSTEM AND METHOD FOR ECOMMERCE TICKET SALES BASED ON SEAT OCCUPANCY

      
Application Number 16991827
Status Pending
Filing Date 2020-08-12
First Publication Date 2020-11-26
Owner Mastercard International Incorporated (USA)
Inventor Unnerstall, Richard B.

Abstract

A system and method for sensing a seat occupancy by an individual and executing an ecommerce transaction via the individual's mobile device for the cost of a ticket based on the occupied seat. For example, an attendee enters a multiplex and chooses a theater and a seat from which to watch a movie, or a passenger enters a station and chooses a train and a seat in which to travel. In both cases, the occupancy of the seat is detected, an amount owed is determined based on the occupancy of the seat, and an ecommerce transaction is initiated via the mobile device to pay the amount. The determination of the amount may be delayed for a period after the individual has stopped moving to ensure they have made their final choice. The individual may be required to verify a relevant characteristic, such as age or membership in a discounted group.

IPC Classes  ?

  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/18 - Payment architectures involving self-service terminals [SSTs], vending machines, kiosks or multimedia terminals
  • G06Q 20/04 - Payment circuits
  • G06Q 10/02 - Reservations, e.g. for tickets, services or events

61.

AUTHENTICATING A USER FOR A TRANSACTION BASED ON DEVICE-BASED AUTHENTICATION DATA BY A PAYMENT NETWORK

      
Application Number 16740773
Status Pending
Filing Date 2020-01-13
First Publication Date 2020-11-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Maheshwari, Rajat
  • Venugopalan, Vijin
  • Grossar, Jonathan

Abstract

The disclosure herein describes authentication of a user based on device-based user authentication data for transactions associated with a payment account. A service receives a registration message including device-based user authentication data and a payment account identifier. Based on the device-based user authentication data matching an authentication data type of issuer-approved data types, the device-based user authentication data is linked with the payment account. An authentication request associated with a transaction from the payment account is received including device-based user authentication data of the user. The user is authenticated based on the device-based user authentication data of the authentication request matching the device-based user authentication data linked with the payment account, whereby authentication of the identity of the user for the transaction is delegated to the service by the issuer of the payment account based on the linking of the device-based user authentication data with the payment account.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

62.

METHOD AND SYSTEM FOR DOUBLE ANONYMIZATION OF DATA

      
Application Number 16990374
Status Pending
Filing Date 2020-08-11
First Publication Date 2020-11-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Lowenberg, Todd Christian
  • Reiskind, Andrew S.
  • Villars, Curtis
  • Chauhan, Rohit
  • Stonier, Joann C.

Abstract

A method for double anonymization of data includes: receiving, by a first computing system, a plurality of first data sets, each including a set identifier and personally identifiable information; anonymizing, by the first computing system, each of the first data sets, by hashing the set identifier included in each first data set to obtain a hashed identifier and deidentifying the personally identifiable information; transmitting, by the first computing system, the plurality of anonymized first data sets to a second computing system, wherein the second computing system is distinct and separate from the first computing system; anonymizing, by the second computing system, each of the anyonmized first data sets, by hashing the hashed identifier to obtain a double-hashed identifier; and storing, in the second computing system or a third separate and distinct computing system, the plurality of double anonymized first data.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06F 21/60 - Protecting data
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems

63.

COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR SECURE MULTI-DATASOURCE QUERY JOB STATUS NOTIFICATION

      
Application Number 16990485
Status Pending
Filing Date 2020-08-11
First Publication Date 2020-11-26
Owner Mastercard International Incorporated (USA)
Inventor
  • Anneboina, Vikranth Kumar
  • Chimakurthi, Sandeep Chakravarthy
  • Hopkins, Matthew Edward

Abstract

A computer-implemented method for secure multi-datasource query job status notification that includes accessing notification characteristics for a query job status. Occurrence of the query job status and a present security level may be determined. Based on the notification characteristics, a notification may be generated at least in part by omitting available data based on the present security level. Based at least in part on the occurrence of the query job status, transmission of the notification to an end user computing device may be directed.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/23 - Updating
  • G06F 16/2455 - Query execution
  • G06F 16/16 - File or folder operations, e.g. details of user interfaces specifically adapted to file systems
  • G06F 16/2457 - Query processing with adaptation to user needs
  • G06F 16/951 - Indexing; Web crawling techniques
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06F 16/14 - File systems; File servers - Details of searching files based on file metadata
  • G06F 16/9535 - Search customisation based on user profiles and personalisation

64.

METHOD AND SYSTEM FOR GENERALIZED PROVENANCE SOLUTION FOR BLOCKCHAIN SUPPLY CHAIN APPLICATIONS

      
Application Number US2020033077
Publication Number 2020/236560
Status In Force
Filing Date 2020-05-15
Publication Date 2020-11-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Davis, Steven, C.
  • Byrne, Rob
  • Collins, Robert
  • Barta, Deborah, Eleanor
  • Nunes Da Silva Carvalho, Leandro

Abstract

A method for conveying auditable information regarding provenance of a product that is cryptographically accurate while retaining complete anonymity of product and participant on a blockchain includes: receiving a product identifier; generating a digital token by applying a hashing algorithm to the product identifier; generating an entry value by applying the hashing algorithm to a combination of an event identifier and the digital token; generating a digital signature by digitally signing a data package using a private key of a cryptographic key pair, where the data package includes at least a blockchain address, the event identifier, and the digital token; and transmitting the blockchain address, the digital signature, and the entry value to a node in a blockchain network.

IPC Classes  ?

  • G06Q 50/10 - Services
  • H04L 9/08 - Key distribution
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol

65.

GIRLS4TECH

      
Serial Number 90329469
Status Pending
Filing Date 2020-11-19
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 41 - Education; entertainment

Goods & Services

Downloadable worksheets in the fields of science, technology, engineering and math; downloadable teacher guides in the fields of science, technology, engineering and math; Downloadable educational, teaching and training materials in the fields of science, technology, engineering and math provided via a website Educational services, namely, conducting workshops and programs in the field of engaging girls in technology and encouraging careers in science, technology, engineering and math; Providing a website for educational information in the academic fields of science, technology, engineering and math for the purpose of academic study for children; providing a website featuring non-downloadable educational, teaching and training materials in the fields of science, technology, engineering and math; education services, namely, providing e-learning class modules in the fields of science, technology, engineering and math

66.

METHOD AND SYSTEM FOR CONSENT TO TIME-BOUND QUERIES IN A BLOCKCHAIN

      
Application Number 16221992
Status Pending
Filing Date 2018-12-17
First Publication Date 2020-11-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Yadav, Rakesh
  • Davis, Steven Charles

Abstract

A method for automatically provisioning data for an opaque blockchain based on prior consent includes: receiving a consent request including transaction criteria and at least two digital signatures, the first digital signature generated by a regulating entity and the second digital signature generated by a moderating entity in a blockchain network; validating the first and second digital signature; digitally signing the received consent request using a private key of a first cryptographic key pair; transmitting the digitally signed consent request to the regulating entity; receiving a query request from the regulating entity, the query request including an executable query; executing the executable query to identify transaction data for electronic transactions in compliance with the transaction criteria; and transmitting the identified transaction data to the regulating entity.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • H04L 9/06 - Arrangements for secret or secure communication the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 9/14 - Arrangements for secret or secure communication using a plurality of keys or algorithms
  • H04L 9/08 - Key distribution
  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme

67.

METHOD AND SYSTEM FOR FACILITATING INVOICE DATA, PAYMENT CREDIT TRANSFERS, REAL-TIME PACKAGE TRACKING, AND ACCOUNT-TO-ACCOUNT PAYMENT ON DELIVERY

      
Application Number 16874939
Status Pending
Filing Date 2020-05-15
First Publication Date 2020-11-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sabat, Viviane
  • Gilman, Andrea Christine
  • Wang, Jennifer
  • Bhatt, Abhinav
  • Chhuan, Chhomthyda
  • Bae, Daniel
  • Araujo, Alonso
  • Mortimer, James Nicholas
  • Taylor, Monica
  • Ahimor, Eitan
  • Murray, Christopher
  • Savoye, Mark N.
  • Pacifico, Robert
  • Kamal, Ashfaq
  • Sharma, Karan

Abstract

A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

IPC Classes  ?

  • G06Q 30/04 - Billing or invoicing
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06Q 10/10 - Office automation, e.g. computer aided management of electronic mail or groupware; Time management, e.g. calendars, reminders, meetings or time accounting
  • G06Q 10/08 - Logistics, e.g. warehousing, loading, distribution or shipping; Inventory or stock management, e.g. order filling, procurement or balancing against orders
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 30/06 - Buying, selling or leasing transactions
  • G06F 16/25 - Integrating or interfacing systems involving database management systems

68.

METHOD AND SYSTEM FOR FACILITATING INVOICE DATA, PAYMENT CREDIT TRANSFERS, REAL-TIME PACKAGE TRACKING, AND ACCOUNT-TO-ACCOUNT PAYMENT ON DELIVERY

      
Application Number US2020033045
Publication Number 2020/232328
Status In Force
Filing Date 2020-05-15
Publication Date 2020-11-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sabat, Viviane
  • Gilman, Andrea Christine
  • Wang, Jennifer
  • Bhatt, Abhinav
  • Chhuan, Chhomthyda
  • Bae, Daniel
  • Araujo, Alonso
  • Mortimer, James Nicholas
  • Taylor, Monica
  • Ahimor, Eitan
  • Murray, Christopher
  • Savoye, Mark N.
  • Pacifico, Robert
  • Kamal, Ashfaq
  • Sharma, Karan

Abstract

A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (REP) message based on the invoice data; transmitting the REP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

IPC Classes  ?

  • G06Q 30/04 - Billing or invoicing
  • G06Q 30/06 - Buying, selling or leasing transactions
  • G06Q 10/08 - Logistics, e.g. warehousing, loading, distribution or shipping; Inventory or stock management, e.g. order filling, procurement or balancing against orders
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems

69.

METHOD AND SYSTEM FOR FACILITATING TRANSACTIONS

      
Application Number 16842326
Status Pending
Filing Date 2020-04-07
First Publication Date 2020-11-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Gupta, Raju Kumar
  • Kumar, Rajeev

Abstract

A method and a system for facilitating transactions are provided. A first payment mode is linked to one or more payment modes by a server. A first authorization option presented on a graphical interface of a terminal device enables a user to initiate a transaction using the first payment mode. One or more unique identifiers of the one or more payment modes, respectively, are communicated to the terminal device by the server based on a transaction request of the transaction. A first unique identifier, associated with a second payment mode that is linked to the first payment mode, is selected from the one or more unique identifiers. A selection notification indicating the selection of the first unique identifier is received by the server and a transaction amount of the transaction is charged to the second payment mode, when the transaction is authorized.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

70.

SYSTEMS AND METHODS FOR DETERMINING AND ANALYZING CHARACTERISTICS OF DEVICES USED IN PAYMENT TRANSACTIONS

      
Application Number 16983603
Status Pending
Filing Date 2020-08-03
First Publication Date 2020-11-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Howe, Justin X.

Abstract

A device profiling computer system for determining and analyzing characteristics of devices used in payment transactions includes a processor, a device profiling database in communication with the processor, and a memory coupled to the processor. The device profiling computer system is configured to receive a set of first transaction data associated with a first transaction initiated by a cardholder at an online merchant wherein the cardholder initiates the first transaction using a cardholder computing device and wherein the set of first transaction data includes a set of first device characteristic data related to the cardholder computing device, analyze the set of first transaction data to determine a set of device characteristics, and update a device record stored in a device profiling database with the set of first transaction data wherein the device record is associated with the set of device characteristics.

IPC Classes  ?

  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

71.

MEDIATOR WEBSITE

      
Application Number US2020028750
Publication Number 2020/231600
Status In Force
Filing Date 2020-04-17
Publication Date 2020-11-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Subramaniam, Shanthan
  • Malhotra, Sandeep
  • Kurylko, Marek

Abstract

A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06F 16/9535 - Search customisation based on user profiles and personalisation

72.

ETHOCA CONSUMER CLARITY

      
Application Number 206360900
Status Pending
Filing Date 2020-11-12
Owner Mastercard International Incorporated (USA)
NICE Classes  ?
  • 35 - Advertising; business
  • 36 - Insurance; financial affairs
  • 42 - Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software.
  • 45 - Legal services; security services for the protection of property and individuals; personal and social services rendered by others to meet the needs of individuals.

Goods & Services

(1) Data processing services in the field of banking and payments; promoting the goods and services of others by means of coupons, discounts, advertisements, rewards and incentives generated in connection with the use of credit and debit cards, electronic links to merchant and retailer web sites, and through promotional contests; preparation of financial statements of accounts; bill presentment services; financial records management; management of telephone call centers for others; business information, advisory and consultancy services related to all the aforesaid services (2) Financial fraud risk management services; financial services, namely, transaction processing and payment verification services; electronic payment services, namely, electronic processing and transmission of bill payment data; online personal banking services; financial advisory and consultancy services; dissemination of financial information via electronic means, financial services provided over the telephone and by means of a global computer network or the Internet, namely, electronic banking via a global computer network (3) Design and development of computer software; providing non-downloadable software and computer software applications for online banking, expense management, financial transaction data management, financial reporting, accounting, account management, digital receipt generation and management, and processing electronic payments; data encryption and decryption of financial information; computer and Internet related services, namely, providing on-line electronic computer databases in the nature of identity authentication and verification, risk management, and electronic monitoring of credit card activity to detect fraud via the internet; Customer technical support, technical assistance, consulting and customization services provided in connection with online banking, online financial transaction services and online automated aggregation services; information, advisory and consultancy services relating to all the aforesaid services

73.

SYSTEMS AND METHODS FOR MONITORING MESSAGE CONTENT OVER A COMPUTER NETWORK

      
Application Number US2020030987
Publication Number 2020/227078
Status In Force
Filing Date 2020-05-01
Publication Date 2020-11-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • O'Sullivan, Daniel, Brian
  • Black, Theodore, Michael

Abstract

Provided herein is a method for monitoring message content processed over a payment processor for a cardholder using a rules engine computing device. The rules engine computing device is associated with the payment processor that maintains a transaction history database that includes records for a plurality of payment transactions, and each of the records including a payment account number (PAN), a merchant identifier, and a transaction amount. The method includes (i) receiving a message from a registration computing device indicating that the cardholder is enrolled in a transaction monitoring service; (ii) associating the at least one PAN with the transaction monitoring service; (iii) querying the transaction history database to retrieve records including the at least one PAN; (iv) identifying a subset of transactions from the retrieved records; and (v) transmitting a list of the identified subset of transactions to at least one of the cardholder and the registration computing device.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/14 - Payment architectures specially adapted for billing systems
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

74.

ETHOCA CONSUMER CLARITY

      
Application Number 018337368
Status Pending
Filing Date 2020-11-12
Owner Mastercard International Incorporated (USA)
NICE Classes  ?
  • 35 - Advertising; business
  • 36 - Insurance; financial affairs
  • 42 - Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software.

Goods & Services

Data processing services in the field of banking and payments; promoting the goods and services of others by means of coupons, discounts, advertisements, rewards and incentives generated in connection with the use of credit and debit cards, electronic links to merchant and retailer web sites, and through promotional contests; preparation of financial statements of accounts; bill presentment services; financial records management; management of telephone call centers for others; business information, advisory and consultancy services related to all the aforesaid services. Financial fraud risk management services; financial services, namely, transaction processing and payment verification services; electronic payment services, namely, electronic processing and transmission of bill payment data; online personal banking services; financial advisory and consultancy services; dissemination of financial information via electronic means, financial services provided over the telephone and by means of a global computer network or the Internet, namely, electronic banking via a global computer network. Design and development of computer software; providing non-downloadable software and computer software applications for online banking, expense management, financial transaction data management, financial reporting, accounting, account management, digital receipt generation and management, and processing electronic payments; data encryption and decryption of financial information; computer and Internet related services, namely, providing on-line electronic computer databases in the nature of identity authentication and verification, risk management, and electronic monitoring of credit card activity to detect fraud via the internet; Customer technical support, technical assistance, consulting and software customization services provided in connection with online banking, online financial transaction services and online automated aggregation services; information, advisory and consultancy services relating to all the aforesaid services.

75.

MEDIATOR WEBSITE FOR AUTHENTICATING PAYMENT ENTITIES AND SUPPORTING DYNAMIC INTERFACE OBJECTS FOR PAYMENTS

      
Application Number 16409237
Status Pending
Filing Date 2019-05-10
First Publication Date 2020-11-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Subramaniam, Shanthan
  • Malhotra, Sandeep
  • Kurylko, Marek

Abstract

A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.

IPC Classes  ?

  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

76.

PAYMENT TRANSACTION SYSTEMS AND METHODS BY DYNAMICALLY PUSHING DATA TO PAYMENT SERVICE PROVIDER

      
Application Number 16853389
Status Pending
Filing Date 2020-04-20
First Publication Date 2020-11-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bhoiwala, Kinjal
  • Prabhat, Amit Kumar

Abstract

Embodiments provide payment transaction methods, and systems by dynamically pushing payment transaction data to a Payment Service Provider (PSP). Method includes receiving, by a server system associated with a payment network, a payment transaction request including a payment transaction data and a PSP identifier (ID) of PSP during a payment transaction initiated from a user device using a merchant application. The method includes fetching, by the server system, a corresponding Uniform Resource Locator (URL) of the PSP using the PSP ID of the PSP from a merchant portal database. The merchant portal database at least includes a list of one or more URLs stored against respective one or more PSP IDs pre-generated based on linking respective one or more PSPs to a merchant profile. The method includes sending, by the server system, the payment transaction data to a PSP server using the corresponding URL for processing the payment transaction.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 30/00 - Commerce, e.g. shopping or e-commerce
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06F 16/955 - Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

77.

METHODS AND SYSTEMS FOR FACILITATING MESSAGE FORMAT DISCOVERY IN ONLINE TRANSACTION PROCESSING

      
Application Number 16870294
Status Pending
Filing Date 2020-05-08
First Publication Date 2020-11-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Gujale, Mahesh
  • Dharmapal, Surend Raj
  • Ananthanarayanan, Suresh
  • Ramamoorthy, Aravindan

Abstract

Embodiments provide methods, and systems for facilitating message format discovery in online transaction processing. A method includes receiving, by a server system associated with a payment network, a message comprising a payment service request via a communication channel from an application in a message format of a plurality of message formats. The server system includes a rule engine and a rule data dictionary. The method includes applying, by the server system, one or more rules fetched by the rule engine from the rule data dictionary until the message format is identified. At least one rule of the one or more rules is applied based on matching one or more characters of the message with a pattern corresponding to the at least one rule. Upon successful identification of the message format, the method includes facilitating, by the server system, processing of the payment service request.

IPC Classes  ?

  • G06F 16/23 - Updating
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • H04L 12/58 - Message switching systems

78.

PAYMENT CARD STORING TOKENIZED INFORMATION

      
Application Number 16939514
Status Pending
Filing Date 2020-07-27
First Publication Date 2020-11-12
Owner MasterCard International Incorporated (USA)
Inventor
  • Rutherford, Bruce John
  • Lulic, Mark

Abstract

Provided are a payment card, system and method for storing and reading tokenized payment account information from a payment card. In an exemplary embodiment, a payment card may include a substrate forming a body of the payment card, and an electronic chip attached to or included in the substrate. According to various exemplary embodiments, the electronic chip may include a storage storing tokenized payment account information corresponding to a payment account linked to the payment card. The electronic chip may be read by a payment terminal and may provide the tokenized payment information to the payment terminal during reading.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card

79.

FACILITATION OF MESSAGE FORMAT DISCOVERY IN ONLINE TRANSACTION PROCESSING

      
Application Number US2020028049
Publication Number 2020/226856
Status In Force
Filing Date 2020-04-14
Publication Date 2020-11-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Gujale, Mahesh
  • Dharmapal, Surend, Raj
  • Ananthanarayanan, Suresh
  • Ramamoothy, Aravindan

Abstract

Embodiments provide methods, and systems for facilitating message format discovery in online transaction processing. A method includes receiving, by a server system associated with a payment network, a message comprising a payment service request via a communication channel from an application in a message format of a plurality of message formats. The server system includes a rule engine and a rule data dictionary. The method includes applying, by the server system, one or more rules fetched by the rule engine from the rule data dictionary until the message format is identified. At least one rule of the one or more rules is applied based on matching one or more characters of the message with a pattern corresponding to the at least one rule. Upon successful identification of the message format, the method includes facilitating, by the server system, processing of the payment service request.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols

80.

ETHOCA CONSUMER CLARITY

      
Serial Number 90312478
Status Pending
Filing Date 2020-11-11
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 35 - Advertising; business
  • 36 - Insurance; financial affairs
  • 42 - Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software.

Goods & Services

Data processing services in the field of banking and payments; promoting the goods and services of others by means of coupons, discounts, advertisements, rewards and incentives generated in connection with the use of credit and debit cards, electronic links to merchant and retailer web sites, and through promotional contests; preparation of financial statements of accounts; bill presentment services; financial records management; management of telephone call centers for others; business information, advisory and consultancy services related to all the aforesaid services Financial fraud risk management services; financial services, namely, transaction processing and payment verification services; electronic payment services, namely, electronic processing and transmission of bill payment data; online personal banking services; financial advisory and consultancy services; dissemination of financial information via electronic means, financial services provided over the telephone and by means of a global computer network or the Internet, namely, electronic banking via a global computer network Design and development of computer software; providing non-downloadable software and computer software applications for online banking, expense management, financial transaction data management, financial reporting, accounting, account management, digital receipt generation and management, and processing electronic payments; data encryption and decryption of financial information; computer and Internet related services, namely, providing on-line electronic computer databases in the nature of identity authentication and verification, risk management, and electronic monitoring of credit card activity to detect fraud via the internet; Customer technical support, technical assistance, consulting and customization services provided in connection with online banking, online financial transaction services and online automated aggregation services; information, advisory and consultancy services relating to all the aforesaid services

81.

GIRLS4TECH

      
Serial Number 90310201
Status Pending
Filing Date 2020-11-10
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 41 - Education; entertainment

Goods & Services

Downloadable worksheets in the fields of science, technology, engineering and math; downloadable teacher guides in the fields of science, technology, engineering and math; Downloadable educational, teaching and training materials in the fields of science, technology, engineering and math provided via a website Educational services, namely, conducting workshops and programs in the field of engaging girls in technology and encouraging careers in science, technology, engineering and math; Providing a website for educational information in the academic fields of science, technology, engineering and math for the purpose of academic study for children; providing a website featuring non-downloadable educational, teaching and training materials in the fields of science, technology, engineering and math; education services, namely, providing e-learning class modules in the fields of science, technology, engineering and math

82.

SYSTEMS AND METHODS FOR AUTOMATIC BILL ENROLLMENT

      
Application Number 16400285
Status Pending
Filing Date 2019-05-01
First Publication Date 2020-11-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Daggubati, Lakshmi Sushma
  • Sanaboina, Sri Chaitanya

Abstract

An automatic billing enrollment (ABE) computing device and methods for automatically enrolling a merchant in a bill paying application are provided. The ABE computing device receives a payment transaction associated with a cardholder account, identifies a merchant associated with the payment transaction, and determines whether the merchant is enrolled with a bill pay application associated with the cardholder account by performing a database lookup of enrolled merchants. The ABE computing device then transmits a message to a user device associated with the cardholder account indicating that the identified merchant is not enrolled by the cardholder with the bill pay application and includes an option for the cardholder to enroll the merchant. To enroll the merchant, the ABE computing device determines merchant-associated data elements required by the bill pay application to enroll the merchant, retrieves the data elements, and inputs the data elements into the bill pay application.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

83.

CONTROL CLUSTER FOR MULTI-CLUSTER CONTAINER ENVIRONMENTS

      
Application Number 16849309
Status Pending
Filing Date 2020-04-15
First Publication Date 2020-11-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Giannetti, Fabio
  • Zaiss, John
  • Borrelli, Steven

Abstract

The disclosure herein describes managing multiple clusters within a container environment using a control cluster. The control cluster includes a single deployment model that manages deployment of cluster components to a plurality of clusters at the cluster level. Changes or updates made to one cluster are automatically propagated to other clusters in the same environment, reducing system update time across clusters. The control cluster aggregates and/or stores monitoring data for the plurality of clusters creating a centralized data store for metrics data, log data and other systems data. The monitoring data and/or alerts are displayed on a unified dashboard via a user interface. The unified dashboard creates a single representation of clusters and monitor data in a single location providing system health data and unified alerts notifying a user as to issues detected across multiple clusters.

IPC Classes  ?

  • G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
  • G06F 11/30 - Monitoring

84.

PAYMENT PROCESSING SYSTEM FOR APPLYING MERCHANT PROMOTIONS TO A PUSH PAYMENT TRANSACTION

      
Application Number 16400941
Status Pending
Filing Date 2019-05-01
First Publication Date 2020-11-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Kohli, Manoneet
  • Deniz, Shane Lansley Jorge

Abstract

Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution.

IPC Classes  ?

  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

85.

SYSTEMS AND METHODS FOR GENERATING PRE-CHARGEBACK DISPUTE RECORDS

      
Application Number 16402030
Status Pending
Filing Date 2019-05-02
First Publication Date 2020-11-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Shihab, Samy
  • Williams, Kyle
  • Senci, David J.

Abstract

An insight data computing system for generating a pre-chargeback record for a payment transaction between a customer and a merchant is provided. The payment transaction is authorized over a payment processing network based on transaction data submitted over the payment processing network. The transaction data is stored by the payment processing network in a historical transaction database. The insight data computing system includes an insight data interface computing device programmed to (i) receive, via an insight communication channel other than the payment processing network, an insight data message including insight data and transaction link data, (ii) store the insight data in an insight database, (iii) link the insight data to the transaction data by matching the transaction link data in the insight data to the transaction data in the historical transaction database, and (iv) generate the pre-chargeback record including the transaction data and the linked insight data.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06F 9/54 - Interprogram communication
  • G06F 16/903 - Querying

86.

SYSTEMS AND METHODS FOR MONITORING MESSAGE CONTENT OVER A COMPUTER NETWORK

      
Application Number 16864424
Status Pending
Filing Date 2020-05-01
First Publication Date 2020-11-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • O'Sullivan, Daniel Brian
  • Black, Jr., Theodore Michael

Abstract

Provided herein is a method for monitoring message content processed over a payment processor for a cardholder using a rules engine computing device. The rules engine computing device is associated with the payment processor that maintains a transaction history database that includes records for a plurality of payment transactions, and each of the records including a payment account number (PAN), a merchant identifier, and a transaction amount. The method includes (i) receiving a message from a registration computing device indicating that the cardholder is enrolled in a transaction monitoring service; (ii) associating the at least one PAN with the transaction monitoring service; (iii) querying the transaction history database to retrieve records including the at least one PAN; (iv) identifying a subset of transactions from the retrieved records; and (v) transmitting a list of the identified subset of transactions to at least one of the cardholder and the registration computing device.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

87.

AUTOMATED CORE SERVICES BOOTSTRAP FOR ON-PREMISES CLUSTERS

      
Application Number 16865547
Status Pending
Filing Date 2020-05-04
First Publication Date 2020-11-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Giannetti, Fabio

Abstract

The disclosure herein describes deploying an application cluster based on a cluster definition and service templates. A cluster definition is obtained from a repository and a cluster is created on a cluster platform based on the cluster definition. A cluster type of the cluster is identified based on the cluster definition and a service set is determined from a service map based on the identified cluster type, the service map including at least one cluster type mapped to at least one service. A service deployment template of each service of the service set is obtained and each service of the service set is deployed on the created cluster based on the obtained service deployment templates, whereby the cluster is configured for use according to the cluster type. Using service deployment templates mapped to cluster types enables efficient, flexible automated deployment of clusters with a wide variety of configurations.

IPC Classes  ?

  • G06F 8/60 - Software deployment
  • G06F 16/23 - Updating
  • H04L 29/12 - Arrangements, apparatus, circuits or systems, not covered by a single one of groups characterised by the data terminal

88.

Systems and methods for scoring chargeback disputes

      
Application Number 15680026
Grant Number 10825012
Status In Force
Filing Date 2017-08-17
First Publication Date 2020-11-03
Grant Date 2020-11-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Senci, David J.
  • Williams, Kyle
  • Gerber, Johan

Abstract

A dispute scoring computing device for generating chargeback dispute scores is provided. The dispute scoring computing device extracts historical transaction data and account profile data for a plurality of transactions associated with an account, and generates a chargeback dispute prediction model for the account based on the extracted data. The dispute scoring computing device further receives a candidate chargeback for a transaction initiated with a merchant using the account, extracts transaction data from the candidate chargeback, and determines, using the generated chargeback dispute prediction model, a chargeback dispute score indicating a likelihood that the candidate chargeback, if disputed by the merchant, would result favorably for the merchant.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06Q 20/24 - Credit schemes, i.e. "pay after"
  • G06N 5/02 - Knowledge representation
  • G06N 7/00 - Computer systems based on specific mathematical models

89.

TOKENIZATION REQUEST HANDLING AT A THROTTLED RATE IN A PAYMENT NETWORK

      
Application Number 16395788
Status Pending
Filing Date 2019-04-26
First Publication Date 2020-10-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Braundmeier, Aaron

Abstract

The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/16 - Payments settled via telecommunication systems
  • H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

90.

SYSTEMS AND METHODS FOR PAYMENT NETWORK-BASED CASH BACK PROCESSING

      
Application Number 16395965
Status Pending
Filing Date 2019-04-26
First Publication Date 2020-10-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Iliev, Issidor
  • Andrew, Erick

Abstract

A computer-implemented method for payment network-based cash back processing can include receiving, by processing circuitry, transaction information related to a cardholder transaction with a merchant. The processing circuitry can identify whether the transaction qualifies for a cash back offer selected from a set of one or more cash back offers. The processing circuitry can calculate a cash back amount associated with the merchant based on information contained in the merchant and offers database. The processing circuitry can calculate a cardholder billing amount, an issuer settlement amount, an acquirer settlement amount, a refund amount, and a program fee amount. The processing circuitry can generate a refund message including the refund amount to be processed to the cardholder and a fee message for fee collection. The processing circuitry can receive a program fee, receive an issuer settlement amount from an issuer, send the acquirer settlement amount to a merchant acquirer, and send the program fee amount to a third party.

IPC Classes  ?

  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
  • G06Q 30/04 - Billing or invoicing

91.

METHOD AND SYSTEM FOR EFFICIENT DISTRIBUTION OF CONFIGURATION DATA UTILIZING PERMISSIONED BLOCKCHAIN TECHNOLOGY

      
Application Number 16946859
Status Pending
Filing Date 2020-07-09
First Publication Date 2020-10-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Dix, Simon R.
  • Davis, Steven C.

Abstract

A method for propagating configuration data using a blockchain includes: storing a blockchain comprised of a plurality of blocks, each being comprised of a block header having a timestamp and one or more configuration transactions; receiving one or more configuration data items; generating a new configuration transaction for each configuration data item; hashing a most recent block identified based on the timestamp included in the respective block header to generate a previous block hash value; hashing a combination of the new configuration transactions and/or data associated therewith to generate a current block hash value; generating a new block header, the new block header including a current timestamp, the previous block hash value, the current block hash value, and a digital signature; generating a new block comprised of the new block header and each new configuration transaction; and updating the blockchain by appending the new block.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 12/24 - Arrangements for maintenance or administration

92.

TOKENIZATION REQUEST HANDLING AT A THROTTLED RATE IN A PAYMENT NETWORK

      
Application Number US2020023067
Publication Number 2020/219185
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Braundmeier, Aaron

Abstract

The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

93.

SYSTEMS AND METHODS FOR SECURE COMMUNICATION

      
Application Number US2020023079
Publication Number 2020/219186
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Waldron, Ashley
  • Allen, John
  • Nowak, Dawid

Abstract

There is presented a method, a computing device and a computing system for establishing secure communication between computing devices. A method for a first computing device to establish trusted communication with a second computing device comprises the first computing device sending a request to create a secure channel to the second computing device, the request comprising a first cryptographic element and a device identifier. The first computing device receives a channel identifier from the second computing device in response to the request, and a notification over a secure channel using the device identifier, the notification comprising a channel identifier and a second cryptographic element. The first computing device compares the channel identifier received in the response to the request and the channel identifier received in the notification and, if the first computing device determines that the two channel identifiers match, the first computing device deriving a secret key using the first cryptographic element and the second cryptographic element.

IPC Classes  ?

  • H04L 9/14 - Arrangements for secret or secure communication using a plurality of keys or algorithms
  • G06F 21/42 - User authentication using separate channels for security data

94.

CUSTOMER-INITIATED PAYMENT SYSTEM AND PROCESS

      
Application Number 16491807
Status Pending
Filing Date 2018-03-05
First Publication Date 2020-10-29
Owner MASTERCARD ASIA/PACIFIC PTE. LTD. (Singapore)
Inventor
  • Chew, Aileen
  • Venugopalan, Vijin

Abstract

Described herein is a customer-initiated payment system that includes an electronic device of a customer, the electronic device including at least one processor configured to: (i) process, in response to input from the customer, a digital image of a machine-readable optical code of a merchant to determine corresponding merchant information and transaction information encoded in the machine-readable optical code; (ii) access a digital wallet of the customer's electronic device to determine a token that identifies a financial transaction account of the customer; (iii) process the determined information and token to generate a transaction request message representing an identifier of the merchant, a transaction amount, and the token of the customer; and (iv) send the transaction request message to a token server to request a financial transaction involving payment of the transaction amount from the financial transaction account of the customer to a financial transaction account of the merchant.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

95.

SYSTEMS AND METHODS FOR SECURE COMMUNICATION

      
Application Number 16850151
Status Pending
Filing Date 2020-04-16
First Publication Date 2020-10-29
Owner Mastercard International Incorporated (USA)
Inventor
  • Allen, John
  • Waldron, Ashley
  • Nowak, Dawid

Abstract

There is presented a method, a computing device and a computing system for establishing secure communication between computing devices. A method for a first computing device to establish trusted communication with a second computing device comprises the first computing device sending a request to create a secure channel to the second computing device, the request comprising a first cryptographic element and a device identifier. The first computing device receives a channel identifier from the second computing device in response to the request, and a notification over a secure channel using the device identifier, the notification comprising a channel identifier and a second cryptographic element. The first computing device compares the channel identifier received in the response to the request and the channel identifier received in the notification and, if the first computing device determines that the two channel identifiers match, the first computing device deriving a secret key using the first cryptographic element and the second cryptographic element.

IPC Classes  ?

96.

SYSTEMS AND METHODS FOR PAYMENT NETWORK-BASED CASH BACK PROCESSING

      
Application Number US2020023065
Publication Number 2020/219184
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Iliev, Issidor, L.
  • Andrew, Erick

Abstract

A computer-implemented method for payment network-based cash back processing can include receiving, by processing circuitry, transaction information related to a cardholder transaction with a merchant. The processing circuitry can identify whether the transaction qualifies for a cash back offer selected from a set of one or more cash back offers. The processing circuitry can calculate a cash back amount associated with the merchant based on information contained in the merchant and offers database. The processing circuitry can calculate a cardholder billing amount, an issuer settlement amount, an acquirer settlement amount, a refund amount, and a program fee amount. The processing circuitry can generate a refund message including the refund amount to be processed to the cardholder and a fee message for fee collection. The processing circuitry can receive a program fee, receive an issuer settlement amount from an issuer, send the acquirer settlement amount to a merchant acquirer, and send the program fee amount to a third party.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols

97.

MASTERCARD CROSS-BORDER SERVICES

      
Serial Number 90283214
Status Pending
Filing Date 2020-10-28
Owner Mastercard International Incorporated ()
NICE Classes  ? 36 - Insurance; financial affairs

Goods & Services

Financial services, namely, electronic funds transfer; currency exchange services; processing of financial transactions online via a global computer network or via telecommunication, mobile or wireless devices; providing financial information and electronic payment data via a global computer network or via telecommunication, mobile or wireless devices; financial consulting services in the fields of payment solutions, banking, credit cards, debit cards, and payment cards

98.

Space dataset optimization

      
Application Number 16665988
Grant Number 10817818
Status In Force
Filing Date 2019-10-28
First Publication Date 2020-10-27
Grant Date 2020-10-27
Owner Mastercard International Incorporated (USA)
Inventor
  • Hamburger, Jackson
  • Kim, David
  • Stankey, Bradley
  • Li, Fu Shek

Abstract

Disclosed method comprises receiving from a user interface, a request to generate an optimized space dataset; generating a first instruction configured to receive a first dataset comprising at least one of a space allocated to the product, product attribute, and product performance value corresponding to a plurality of institutions; automatically calculating an elasticity range based on the space allocated to the product; calculating an unbounded asymptote and elasticity values; upon the unbounded elasticity value being outside the elasticity range, dynamically adjusting the elasticity value based on the elasticity range; iteratively calculating a bounded asymptote value based on the second dataset data points until the asymptote value is within the adjusted elasticity range; and generating a graphical representation to illustrate an optimized space trend comprising plurality of data points.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination

99.

METHOD AND SYSTEM FOR USING DYNAMIC PRIVATE KEYS TO SECURE DATA FILE RETRIEVAL

      
Application Number 16385498
Status Pending
Filing Date 2019-04-16
First Publication Date 2020-10-22
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Garg, Chandan
  • Arora, Ankur
  • Kumawat, Jaipal Singh

Abstract

A method for validating access to data files using a combination of secure data values includes: storing at least a first check value and a seed value in an account profile; receiving a data request message including at least a first data value, a second data value, a timestamp, and a data file request from a computing device; identifying a second check value using a predetermined algorithm applied to at least the seed value and the timestamp; validating the first data value using the first check value and the second data value using the second check value; and transmitting one or more data files indicated in the data file request to the computing device upon successful validation of the first data value and the second data value.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system
  • H04L 9/06 - Arrangements for secret or secure communication the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/08 - Key distribution
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

100.

SYSTEMS AND COMPUTER-IMPLEMENTED METHODS FOR MANAGING APPLICATION CONFIGURATIONS

      
Application Number 16388381
Status Pending
Filing Date 2019-04-18
First Publication Date 2020-10-22
Owner Mastercard International Incorporated (USA)
Inventor Sparks, Jen

Abstract

A computer-implemented method for managing configuration sets for computer applications. The method includes connecting with a utility application via an application programming interface (API) associated with the utility application. The method additionally includes obtaining, via the API, a configuration set for the utility application. The configuration set includes one or more configurations associated with end-user functions of the utility application. The method additionally includes communicatively connecting with a datasource storing a plurality of managed configurations. The method additionally includes comparing the configuration set obtained for the utility application with the managed configurations stored in the datasource. The method further includes identifying differences between the configuration set obtained for the utility application with the managed configurations stored in the datasource. Based on the identified differences, configurations may be provisioned to or removed from the utility application. In addition, updated configurations may be downloaded from the utility application to the configuration datastore.

IPC Classes  ?

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