MasterCard International Incorporated

United States of America

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        Patent 3,719
        Trademark 870
Jurisdiction
        United States 2,541
        World 1,227
        Canada 425
        Europe 396
Date
New (last 4 weeks) 40
2020 November (MTD) 31
2020 October 40
2020 September 34
2020 August 35
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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 1,294
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices 636
G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof 568
G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination 441
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 711
09 - Scientific and electric apparatus and instruments 399
35 - Advertising; business 352
38 - Telecommunications 269
42 - Scientific and technological services and research and design relating thereto; industrial analysis and research services; design and development of computer hardware and software. 256
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Status
Pending 1,396
Registered / In Force 3,193
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1.

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

2.

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

3.

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

4.

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

5.

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

6.

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

7.

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

8.

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

9.

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

10.

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

11.

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

12.

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

13.

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

14.

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

15.

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

16.

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

17.

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 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.

18.

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

19.

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

20.

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

21.

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

22.

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

23.

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

24.

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

25.

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

26.

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

27.

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

28.

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

29.

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

30.

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

31.

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

32.

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

33.

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

34.

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

35.

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

36.

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

37.

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  ?

38.

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

39.

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

40.

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

41.

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

42.

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  ?

43.

METHOD AND SYSTEM FOR INTER-WALLET PAYMENTS FOR CROSS-BORDER TRANSACTIONS

      
Application Number 16389392
Status Pending
Filing Date 2019-04-19
First Publication Date 2020-10-22
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Dixit, Apoorva
  • Arora, Ankur
  • Rungta, Tushar

Abstract

A method for facilitating foreign transactions through inter-currency exchanges and geographical matching includes providing a platform to consumers located in different countries, where a consumer in a first country that desires a product from a second country is matched to a consumer in the second country that desires a product in the first country; the consumers are matched and transactions initiated by the platform to provide transfer of any necessary payment to ensure that each consumer can make the purchase on behalf of the other consumer in their own country, for shipping to the consumer in the other country, negating the need for the consumers to make any international purchases directly while still availing themselves of foreign products without involving merchants and minimizing the effect and amount of cross-border transactions.

IPC Classes  ?

  • 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 20/38 - Payment architectures, schemes or protocols - Details thereof

44.

Systems and Methods for Use in Transferring Funds Between Payment Accounts

      
Application Number 16920273
Status Pending
Filing Date 2020-07-02
First Publication Date 2020-10-22
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Malhotra, Sandeep
  • Maddocks, Ian David Alan

Abstract

Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/22 - Payment schemes or models

45.

PRICELESS PLANET COALITION

      
Serial Number 90267160
Status Pending
Filing Date 2020-10-20
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 35 - Advertising; business
  • 36 - Insurance; financial affairs
  • 44 - Medical services; veterinary services; hygienic and beauty care for human beings or animals; agriculture, horticulture and forestry services

Goods & Services

Charitable services, namely, organizing and developing projects to promote awareness of tree and environmental conservation; Consulting services in the area of sustainable business solutions; Business consulting in the field of environmental management, namely, advising businesses and individuals on issues of environmental impact, conservation, preservation and protection, and economic analysis for business purposes; Business services namely providing information in the area of global sustainable business solutions; Promoting the public awareness of environmental issues by organizing and conducting environmental sustainability initiatives; Planning and organizing incentive award programs to promote environmentally friendly and sustainable practices Charitable fundraising services Tree planting; Tree planting for carbon offsetting purposes

46.

Method and system for personally identifiable information

      
Application Number 16381109
Grant Number 10839385
Status In Force
Filing Date 2019-04-11
First Publication Date 2020-10-15
Grant Date 2020-11-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Chavarria, Pedro
  • Hayes, Joseph
  • Kurylko, Marek

Abstract

A method for subverting open transmission of personally identifiable information through the use of tokenization includes: receiving a token request from an issuing financial institution; identifying a digital token; mapping the identified digital token to a primary account number; transmitting the identified digital token to the issuing financial institution; receiving a data request from a third party, wherein the data request includes the identified digital token; replacing the identified digital token in the data request with the mapped primary account number; transmitting the data request including the mapped primary account number to the issuing financial institution; receiving a data package including one or more items of personally identifiable information; and forwarding the data package.

IPC Classes  ?

  • G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system

47.

SYSTEMS AND METHODS FOR MULTI-TRACK PROCESSING OF INCOMING DATA EVENTS

      
Application Number 16382723
Status Pending
Filing Date 2019-04-12
First Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Moore, John Patrick

Abstract

A computer-implemented for preparing a customer invoice using a computing system including at least one processor communicatively coupled to a memory device is provided. The method includes (i) receiving a batch file of usage data on a first schedule, wherein the first schedule repeats a plurality of times before a billing cycle ends, (ii) identifying a first set of usage events having a first characteristic, wherein the first characteristic requires that a per usage rule be applied to each of the first set, (iii) retrieving the first per usage rule from a memory device, (iv) applying the retrieved first per usage rule to each of the first set to generate modified usage events in accordance with the first schedule, (v) aggregating the modified usage events, and (vi) storing the aggregated modified usage events in the memory device in accordance with the first schedule for retrieval when the billing cycle ends.

IPC Classes  ?

48.

SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK TRANSACTIONS

      
Application Number 16383201
Status Pending
Filing Date 2019-04-12
First Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Andrew, Erick
  • Iliev, Issidor L.

Abstract

Systems and methods are provided for establishing fixed currency conversion rates for transactions in connection with authorization and clearing of the transactions. One exemplary method includes receiving a currency conversion request in association with an authorization request for a transaction, identifying a currency conversion rate (CCR) for the transaction based on a rate file stored in a data structure in association with an identifier for the transaction, determining a converted transaction amount based on a transaction amount included in the authorization request and the CCR, and passing the converted transaction amount to an authorization network. The method also includes receiving a conversion request in connection with clearing the transaction, retrieving the CCR from the data structure based on the identifier, and determining a clearing transaction amount based on the transaction amount as included in a clearing record and the CCR received from the data structure.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

49.

System and method for code synchronization between mainframe environment and distributed environment

      
Application Number 16382038
Grant Number 10846081
Status In Force
Filing Date 2019-04-11
First Publication Date 2020-10-15
Grant Date 2020-11-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sigmon, Jeffrey T.
  • Counts, Archie G.
  • Krefer, Henrique
  • Mejia, Oscar David
  • Lyons, Kevin Michael
  • Stuart, Dorene Ervans
  • Werner, James Harold

Abstract

Systems and methods are provided for using of a single source codebase synchronized between two divergent computing environments. In some embodiments, a version control repository may be utilized to track changes to mainframe source code and synchronize the changed mainframe source code files with a set of source code files stored in the version control repository.

IPC Classes  ?

  • G06F 8/76 - Adapting program code to run in a different environment; Porting
  • G06F 8/71 - Version control ; Configuration management
  • G06F 8/41 - Compilation
  • G06F 8/70 - Software maintenance or management
  • G06F 8/40 - Transformation of program code
  • G06F 16/178 - Techniques for file synchronisation in file systems
  • G06F 16/18 - File system types
  • G06F 8/658 - Incremental updates; Differential updates
  • G06F 16/182 - Distributed file systems
  • G06F 8/60 - Software deployment
  • 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
  • G06F 8/51 - Source to source

50.

SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK TRANSACTIONS

      
Application Number US2020023062
Publication Number 2020/209990
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Andrew, Erick
  • Iliev, Issidor L.

Abstract

Systems and methods are provided for establishing fixed currency conversion rates for transactions in connection with authorization and clearing of the transactions. One exemplary method includes receiving a currency conversion request in association with an authorization request for a transaction, identifying a currency conversion rate (CCR) for the transaction based on a rate file stored in a data structure in association with an identifier for the transaction, determining a converted transaction amount based on a transaction amount included in the authorization request and the CCR, and passing the converted transaction amount to an authorization network. The method also includes receiving a conversion request in connection with clearing the transaction, retrieving the CCR from the data structure based on the identifier, and determining a clearing transaction amount based on the transaction amount as included in a clearing record and the CCR received from the data structure.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 40/04 - Exchange, e.g. stocks, commodities, derivatives or currency exchange

51.

IMPROVEMENTS RELATING TO IDENTITY AUTHENTICATION AND VALIDATION

      
Application Number US2020023072
Publication Number 2020/209991
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Smets, Patrik
  • Roberts, David, Anthony

Abstract

There is provided an authentication system for validating identity credentials of a user attempting to access a resource provided by a remote resource provision system. The authentication system comprising: an input, configured to receive, from the resource provision system, an authentication request comprising a cryptographic representation of digital identity data of the user and an associated token identifier, the digital identity data comprising at least one image of an identity credential of the user; a processor configured to: determine a pre-stored cryptographic identifier corresponding to the token identifier; and compare the received cryptographic representation with the pre-stored cryptographic identifier; and an output configured to transmit, to the remote resource provision system and in response to determining a match between the received cryptographic representation and the pre-stored cryptographic identifier, an authentication confirmation indicating successful validation of the digital identity data.

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 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

52.

SYSTEM AND METHODS FOR GENERATING AND AUTHENTICATING DYNAMIC USERNAMES REPLICATION

      
Application Number 16379923
Status Pending
Filing Date 2019-04-10
First Publication Date 2020-10-15
Owner Mastercard International Incorporated (USA)
Inventor
  • Daetz, Marthom
  • Sauer, Tara L.

Abstract

A method for generating a dynamic username includes receiving a static component of a dynamic username and a selection of a dynamic parameter component of the dynamic username from a user. The static component and the selected dynamic parameter component are combined in a predetermined order, based on a user selected option. The dynamic username is produced from the combined static component and the selected dynamic parameter component based on the predetermined order. A rule for producing the dynamic username is generated. The rule defines the predetermined order of the static component and the selected dynamic parameter component. The static component and the rule are stored in a credential database with the rule being associated with the static component.

IPC Classes  ?

  • G06F 21/46 - Structures or tools for the administration of authentication by designing passwords or checking the strength of passwords
  • G06F 21/31 - User authentication
  • G06F 16/245 - Query processing
  • G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance

53.

FACILITATION OF REAL-TIME PAYMENT NETWORK TRANSACTIONS

      
Application Number 16380044
Status Pending
Filing Date 2019-04-10
First Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Singh, Irina
  • Subramaniam, Shanthan
  • Malhotra, Sandeep

Abstract

A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

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

54.

METHOD AND SYSTEM FOR IMPROVED BLOCKCHAIN PERFORMANCE THROUGH AGGREGATION

      
Application Number 16381134
Status Pending
Filing Date 2019-04-11
First Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Garg, Chandan
  • Kumawat, Jaipal Singh

Abstract

A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

IPC Classes  ?

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

55.

FLEXIBLE COMPUTING JOB SCHEDULING SYSTEMS AND METHODS

      
Application Number 16845884
Status Pending
Filing Date 2020-04-10
First Publication Date 2020-10-15
Owner Mastercard International Incorporated (USA)
Inventor Seshiah, Gokulakrishnan

Abstract

A job scheduling system includes a primary job scheduler and a secondary scheduling gatekeeper. The primary job scheduler provides primary scheduling primitives. The primary job scheduler is configured to activate a first job on an activation date determined based on a primary scheduling definition of the first job, and execute a secondary scheduling gatekeeper to evaluate whether a target program associated with the first job is executed during the activation. The gatekeeper provides enhanced scheduling primitives that include scheduling primitives not in the primary scheduling primitives. The gatekeeper is configured to evaluate a secondary scheduling definition of the first job to determine whether the first job should continue to execution and return the enhanced scheduling result to the primary job scheduler. The secondary scheduling definition is configured using the set of enhanced scheduling primitives. The system causes the execution of the target program based on the result.

IPC Classes  ?

  • G06F 9/48 - Program initiating; Program switching, e.g. by interrupt

56.

FACILITATION OF REAL-TIME PAYMENT NETWORK TRANSACTIONS

      
Application Number US2020023059
Publication Number 2020/209989
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Singh, Irina
  • Subramaniam, Shanthan
  • Malhotra, Sandeep

Abstract

A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

IPC Classes  ?

57.

MASTERCARD SHOP & SPLIT

      
Serial Number 90254629
Status Pending
Filing Date 2020-10-14
Owner Mastercard International Incorporated ()
NICE Classes  ? 36 - Insurance; financial affairs

Goods & Services

Financial services, namely, payment card transaction processing services; payment processing services; payment verification services; payment card transaction authorization and settlement services; electronic funds transfer; payment transaction authentication, namely, providing secure commercial transactions and payment options and debt settlement services; cash disbursement services; value exchange services, namely, 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 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 and payment cards

58.

RELATING TO IDENTITY AUTHENTICATION AND VALIDATION

      
Application Number 16838666
Status Pending
Filing Date 2020-04-02
First Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Smets, Patrik
  • Roberts, David Anthony

Abstract

There is provided an authentication system for validating identity credentials of a user attempting to access a resource provided by a remote resource provision system. The authentication system includes an input configured to receive, from the resource provision system, an authentication request comprising a cryptographic representation of digital identity data of the user and an associated token identifier, where the digital identity data comprises at least one image of an identity credential of the user. The system also includes a processor configured to: determine a pre-stored cryptographic identifier corresponding to the token identifier; and compare the received cryptographic representation with the pre-stored cryptographic identifier. The system further includes an output configured to transmit, to the remote resource provision system and in response to determining a match between the received cryptographic representation and the pre-stored cryptographic identifier, an authentication confirmation indicating successful validation of the digital identity data.

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 29/06 - Communication control; Communication processing characterised by a protocol
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

59.

BIOMETRIC IDENTITY VERIFICATION SYSTEMS, METHODS AND PROGRAMS FOR IDENTITY DOCUMENT APPLICATIONS AND RENEWALS

      
Application Number 16908412
Status Pending
Filing Date 2020-06-22
First Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Wease, Matthew
  • Harmon, Regan E.
  • Bowie, William Raymond
  • Scholl, Christopher T.

Abstract

An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.

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 29/06 - Communication control; Communication processing characterised by a protocol

60.

TRANSACTION SELECTION MECHANISM

      
Application Number US2020023070
Publication Number 2020/205221
Status In Force
Filing Date 2020-03-17
Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Smets, Patrik

Abstract

A method of transaction selection is described for a transaction conducted between a user computing device adapted for use as a payment device and a terminal. The user computing device supports a plurality of payment cards. Steps at the user computing device include the following: establishing communication with the terminal; receiving transaction related information from the terminal; performing a card selection operation using the transaction related information to select a preferred payment card for performing the transaction; and identifying to the terminal preferred applications for performing the transaction based on the preferred payment card. An associated method of card selection is described, along with corresponding steps performed at the terminal. User computing devices and terminals adapted to cany out these methods are also described.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

61.

MAINTAINING INDIVIDUAL IMMUNIZATION RECORDS

      
Application Number US2020026380
Publication Number 2020/206116
Status In Force
Filing Date 2020-04-02
Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Liege, Alexandre
  • Goss, Salah, Malaika
  • Moll, Laura, Therese
  • Gillen, Henry, William Andrew
  • Narayanswamy, Raman
  • Ratay, Renee
  • Koutsoudis, Andreas, George

Abstract

A system for maintaining individual immunization records. The system includes a tracking vehicle storing a first instance of a user record a terminal including an electronic processor and a memory. The electronic processor is configured to communicate with, the tracking vehicle, obtain a second instance of the user record stored in the memory of the terminal and determine whether immunization data in the first instance or the second instance is more recent. When the first instance of the user record from the tracking vehicle includes more recent immunization data than the second instance of the user record stored in the memory, the electronic processor is configured to update the user record stored in the memory of the terminal with the more recent immunization data in the first instance of the user record of the tracking vehicle.

IPC Classes  ?

  • G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
  • G16H 15/00 - ICT specially adapted for medical reports, e.g. generation or transmission thereof
  • G16H 40/00 - ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices

62.

METHODS AND SYSTEMS FOR FACILITATING ACCESS OF INTERCHANGE PARAMETERS TO A PLURALITY OF DIGITAL APPLICATIONS

      
Application Number 16802823
Status Pending
Filing Date 2020-02-27
First Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Chepe, Saumitra Sanjay
  • Kalvit, Shrinivas Ambadas

Abstract

Systems and methods for facilitating access of interchange parameter data files through a centralized microservice system that integrates a plurality of interchange network systems with a plurality of payment processing applications. The microservice system comprises a plurality of microservices and a plurality of payment processing application modules hosting the plurality of payment processing applications. The microservice system accesses interchange related information sourced from the plurality of interchange network systems and stores the interchange related information in the plurality of microservices. A plurality of financial entities gets registered with the microservice system for availing services associated with the plurality of payment processing applications. The plurality of payment processing application sends a request to the microservice system to access the interchange related information required for processing of the payment transactions requested by the financial entities. The microservice system provides access of the interchange related information in response to receipt of the request.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • 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

63.

MAINTAINING INDIVIDUAL IMMUNIZATION RECORDS

      
Application Number 16838446
Status Pending
Filing Date 2020-04-02
First Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Liege, Alexandre
  • Goss, Salah Malaika
  • Moll, Laura Therese
  • Gillen, Henry William Andrew
  • Narayanswamy, Raman
  • Ratay, Renee
  • Koutsoudis, Andreas

Abstract

A system for maintaining individual immunization records. The system includes a tracking vehicle storing a first instance of a user record a terminal including an electronic processor and a memory. The electronic processor is configured to communicate with the tracking vehicle, obtain a second instance of the user record stored in the memory of the terminal and determine whether immunization data in the first instance or the second instance is more recent. When the first instance of the user record from the tracking vehicle includes more recent immunization data than the second instance of the user record stored in the memory, the electronic processor is configured to update the user record stored in the memory of the terminal with the more recent immunization data in the first instance of the user record of the tracking vehicle.

IPC Classes  ?

  • G16H 10/60 - ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
  • G16H 15/00 - ICT specially adapted for medical reports, e.g. generation or transmission thereof
  • G16H 20/10 - ICT specially adapted for therapies or health-improving plans, e.g. for handling prescriptions, for steering therapy or for monitoring patient compliance relating to drugs or medications, e.g. for ensuring correct administration to patients
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 16/23 - Updating

64.

TRANSACTION SELECTION MECHANISM

      
Application Number 16839391
Status Pending
Filing Date 2020-04-03
First Publication Date 2020-10-08
Owner Mastercard International Incorporated (USA)
Inventor Smets, Patrik

Abstract

A method of transaction selection is described for a transaction conducted between a user computing device adapted for use as a payment device and a terminal. The user computing device supports a plurality of payment cards. Steps at the user computing device include the following: establishing communication with the terminal; receiving transaction related information from the terminal; performing a card selection operation using the transaction related information to select a preferred payment card for performing the transaction; and identifying to the terminal preferred applications for performing the transaction based on the preferred payment card. An associated method of card selection is described, along with corresponding steps performed at the terminal. User computing devices and terminals adapted to carry out these methods are also described.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06N 3/04 - Architecture, e.g. interconnection topology
  • 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

65.

Methods, Systems and Computer Program Products for Identity Authentication for Payment Card Based Payment Transactions

      
Application Number 16842177
Status Pending
Filing Date 2020-04-07
First Publication Date 2020-10-08
Owner Mastercard International Incorporated (USA)
Inventor
  • Kumar, Gaurav
  • Datta, Saugandh
  • Bhawsinka, Nibedan Kumar

Abstract

The invention provides methods, systems and computer program products for identity authentication for payment card based payment transactions. A payment card may be configured for payor identity authentication for the purpose of an electronic payment transaction(s), and may comprise (i) sensors to measure card handling parameters, (ii) an authentication signature generator, configured to generate and store a biometric identity signature associated with an authorized cardholder—which signature is based on a first set of card handling parameter data received from the sensors, (iii) a card handling data comparator configured to receive a second set of card handling parameter data from the sensors, retrieve the biometric identity signature associated with the authorized cardholder, and compare the second set of card handling parameter data with data extracted from the retrieved biometric identity signature, and (iv) an authentication decision generator configured to generate an identity authentication decision based on the comparison.

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 20/34 - 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
  • G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation

66.

METHODS AND SYSTEMS FOR FACILITATING MICROSERVICES FOR CRYPTOGRAPHIC OPERATIONS

      
Application Number 16842283
Status Pending
Filing Date 2020-04-07
First Publication Date 2020-10-08
Owner Mastercard International Incorporated (USA)
Inventor
  • Vagare, Sunil
  • Bhalerao, Chetan
  • Chaudhari, Ritesh
  • Shirke, Sudhir
  • Dhande, Ashish

Abstract

Embodiments provide methods, and systems for facilitating microservices for cryptographic operations. A method includes receiving, by a server system, a cryptographic service request from at least one application of a plurality of applications over a network communication channel. The cryptographic service request comprises a cryptographic operation to be performed and a cryptographic keys index being an identifier of the at least one application. The method includes generating, by the server system, a cryptographic operation command for the cryptographic operation. The method includes sending, by the server system, the cryptographic operation command to a Hardware Security Module (HSM) communicatively connected to the server system to perform the cryptographic operation. The method includes receiving, by the server system, a response from the HSM for the performed cryptographic operation. The method includes sending, by the server system, the response for the performed cryptographic operation to the at least one application.

IPC Classes  ?

  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
  • H04L 9/08 - Key distribution
  • H04L 9/14 - Arrangements for secret or secure communication using a plurality of keys or algorithms
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

67.

INDIVIDUAL LEVEL LEARNING MECHANISM

      
Application Number 16905715
Status Pending
Filing Date 2020-06-18
First Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Gerard, Jean Pierre
  • Meng, Shen Xi
  • Hu, Po

Abstract

Disclosed herein are systems and methods of individual level learning that include receiving purchase event data from a merchant device that indicates that a purchase event occurred by a user on a user device, and transmitting the purchase event data to an analytics server. The methods may also include processing the purchase event data. The processing may include calculating a time gap for each of two sequential purchase events in a list of purchase events, and calculating an average duration of consecutive events by averaging all of the purchase events in the list of purchase events. The method may determine a purchase hazard probability that a purchase event will occur on a given day, when the average duration of consecutive events is larger than a standard deviation of the event occurring. When the purchase hazard probability is above a threshold, the system may push a message to the user device.

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

68.

Systems and Methods for Monitoring Performance of Payment Networks Through Distributed Computing

      
Application Number 16908205
Status Pending
Filing Date 2020-06-22
First Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sidhu, Navjot Singh
  • Hibbeler, Craig
  • Bhuvanagiri, Vijayanath K.
  • Tsivtsivadze, Revaz
  • Dukkipati, Narendra

Abstract

Systems and methods for use in monitoring performance of payment networks through use of distributed computing. One example method includes generating metrics and/or events associated with a deployed region of the agent, correlating the metrics and/or events over at least one time interval, the time interval dependent on at least one of historical data related to the deployed region and a known event, detecting, at the agent, at least one variance in the metrics and/or events over the at least one time interval based on a statistical analysis with at least one tolerance, and publishing sampled data, to an associated collector, based on at least one of a sampling rule and the at least on variance.

IPC Classes  ?

  • 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

69.

METHOD AND SYSTEM FOR LEVERAGING IN-STORE IOT DATA

      
Application Number US2020020069
Publication Number 2020/205102
Status In Force
Filing Date 2020-02-27
Publication Date 2020-10-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Parida, Kamal, Kishore
  • Prasad, Vibhav
  • Villars, Curtis, C.

Abstract

A method for providing analytics for a physical customer based on processed remote transactions includes: storing transaction data entries, each including a time, date, additional value, and data; receiving a notification including a detection time, detection date, and identification value; identifying a first transaction data entry where the date matches the detection date, the additional value matches the identification value, and the time is within a predetermined period of the detection time; identifying a subset of transaction data entries related to the first transaction data entry based on a correspondence in at least one of: the additional value and the transaction data included in the first transaction data entry and each entry in the subset; determining analytics based on the transaction data included in the subset; and transmitting the analytics to a third party device.

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
  • G16Y 10/45 - Commerce
  • G16Y 20/40 - Information sensed or collected by the things relating to personal data, e.g. biometric data, records or preferences
  • G16Y 40/20 - Analytics; Diagnosis

70.

SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK TRANSACTIONS BASED ON USER AUTHENTICATION

      
Application Number 16371456
Status Pending
Filing Date 2019-04-01
First Publication Date 2020-10-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sharma, Prashant
  • Maheshwari, Rajat

Abstract

Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, by a computing device, via a first wireless connection, a credential from a mobile device where the credential is specific to an account associated with the mobile device. The method also includes determining an identifier of the mobile device, compiling an authorization request for the network transaction, where the authorization request includes the identifier and the credential, and transmitting the authorization request to a first party for authorization. The method further includes; receiving an authorization reply in response to the authorization request, where the authorization reply includes a result for the network transaction and the identifier, and transmitting, via a second wireless connection, a notification, including the result of the network transaction, to the mobile device, based on the identifier included in the authorization reply. The first wireless connection is different than the second wireless connection.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • 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
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

71.

METHOD AND SYSTEM FOR LEVERAGING IN-STORE IOT DATA

      
Application Number 16369732
Status Pending
Filing Date 2019-03-29
First Publication Date 2020-10-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Parida, Kamal Kishore
  • Prasad, Vibhav
  • Villars, Curtis C.

Abstract

A method for providing analytics for a physical customer based on processed remote transactions includes: storing transaction data entries, each including a time, date, additional value, and data; receiving a notification including a detection time, detection date, and identification value; identifying a first transaction data entry where the date matches the detection date, the additional value matches the identification value, and the time is within a predetermined period of the detection time; identifying a subset of transaction data entries related to the first transaction data entry based on a correspondence in at least one of: the additional value and the transaction data included in the first transaction data entry and each entry in the subset; determining analytics based on the transaction data included in the subset; and transmitting the analytics to a third party device.

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 20/08 - Payment architectures
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

72.

METHODS AND SYSTEMS FOR COMPUTING INTERCHANGE RATE DESIGNATOR FOR A PAYMENT TRANSACTION

      
Application Number 16808658
Status Pending
Filing Date 2020-03-04
First Publication Date 2020-09-24
Owner Mastercard International Incorporated (USA)
Inventor Chepe, Saumitra Sanjay

Abstract

Embodiments provide a methods and systems to eliminate or make optional the computation of IRD value for the acquiring bank or the issuing bank. The method includes receiving, by a server system, at least one transaction clearing file for at least one payment transaction from at least one of an acquiring server or an issuing server. The transaction clearing file comprises a data field for an IRD value, an acquiring BIN and an issuing BIN. The method further includes determining whether the data field for IRD value in the at least one transaction clearing file comprises an identifier or an empty space indicating request for determination of the IRD value. The method further includes computing the IRD value for the at least one payment transaction upon determining that IRD value data field comprises the identifier or the empty space.

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 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06Q 30/00 - Commerce, e.g. shopping or e-commerce
  • 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 30/04 - Billing or invoicing
  • G06F 16/2455 - Query execution

73.

FRICTIONLESS SHOPPING METHOD AND SYSTEM

      
Application Number 16822430
Status Pending
Filing Date 2020-03-18
First Publication Date 2020-09-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Wyper, Stephane
  • Morris, Kevin Michael
  • Lindequist, Katherine
  • Tsampalis, Ioannis

Abstract

A frictionless shopping platform supports modular systems to outfit any physical store with a secure self-checkout experience. The frictionless shopping platform can communicate with a kiosk or mobile application to obtain customer information including payment information; a shopping sensor platform that tracks a user in the store to obtain anonymous shopper identification and associated shopping cart items; and a financial services provider to affect payment.

IPC Classes  ?

  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 30/04 - Billing or invoicing
  • 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

74.

METHOD AND SYSTEM FOR PROVIDING VALIDATED, AUDITABLE, AND IMMUTABLE INPUTS TO A SMART CONTRACT

      
Application Number 16946185
Status Pending
Filing Date 2020-06-09
First Publication Date 2020-09-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Davis, Steven Charles

Abstract

A method for posting of auditable, immutable data to a blockchain includes: receiving a blockchain comprised of a plurality of blocks, each block being comprised of at least a block header and one or more transaction values, wherein each transaction value includes at least a transaction hash; receiving a data file associated with a specific transaction hash included in a block in the blockchain, wherein the data file includes one or more variables; modifying at least one of the one or more variables included in the data file; generating a new hash value via application of one or more hashing algorithms to the modified data file; generating a new transaction value based on at least the generated new hash value and the specific transaction hash; digitally signing the generated new transaction value; and electronically transmitting the signed new transaction 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
  • G06F 16/951 - Indexing; Web crawling techniques
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures
  • 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

75.

CRYPTOGRAPHIC AUTHENTICATION AND TOKENIZED TRANSACTIONS

      
Application Number 16325084
Status Pending
Filing Date 2017-08-11
First Publication Date 2020-09-24
Owner Mastercard International Incorporated (USA)
Inventor
  • Collinge, Mehdi
  • Johnson, Alan

Abstract

A cryptographic method of performing a tokenised transaction between a payment offering party and a payment accepting party is described. The tokenised transaction is mediated by a transaction scheme. The payment accepting party is provided with a merchant identity and a merchant certificate associated with that identity by the transaction scheme provider. The payment accepting party provides the merchant identity and transaction seed data to the payment offering party. The payment offering party validates the merchant identity and uses the merchant identity and the transaction seed data to generate a cryptogram for the tokenised transaction. The payment offering party provides the cryptogram to the payment accepting party for transmission to the transaction scheme provider for authorisation of the tokenised transaction. A suitable user computing device and merchant computing device for acting as payment offering party and payment accepting party respectively are also described.

IPC Classes  ?

  • 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 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • H04L 9/08 - Key distribution

76.

SYSTEMS AND METHODS FOR TOKENIZING TOKENS IN TRANSACTIONS

      
Application Number 16723359
Status Pending
Filing Date 2019-12-20
First Publication Date 2020-09-24
Owner MasterCard International Incorporated (USA)
Inventor Hosp, Adam Kenneth

Abstract

Systems, methods and computer program code are provided for receiving a token and a request to generate a sub-token based on the token, identifying an association between the token and a primary account number (PAN) of a user, generating a sub-token associated with the token and the PAN, and providing the sub-token for use in a payment transaction.

IPC Classes  ?

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

77.

METHOD AND SYSTEM FOR FACILITATING PEER-TO-PEER PAYMENTS

      
Application Number 16822326
Status Pending
Filing Date 2020-03-18
First Publication Date 2020-09-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Piparsaniya, Harsh
  • Gupta, Sudhir
  • Agrawal, Rahul

Abstract

A method for facilitating peer-to-peer payments includes receiving, by a server, a payment request initiated by a payer for making a payment of an amount to a payee. The payment request includes social identifiers of the payer and the payee. Based on the social identifiers, the server retrieves a set of links or social graphs of the payer and payee. Based on the set of links or the social graphs, the server determines a first link that is indicative of a set of intermediaries connecting the payer and the payee. The server facilitates the transfer of the amount from a first financial account of the payer to a second financial account of the payee by a way of a set of intermediary financial accounts of the set of intermediaries indicated by the first link.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06Q 20/22 - Payment schemes or models
  • G06Q 50/00 - Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
  • G06F 16/901 - Indexing; Data structures therefor; Storage structures

78.

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR DUAL LAYER FEDERATED IDENTITY BASED ACCESS CONTROL

      
Application Number US2020020067
Publication Number 2020/190470
Status In Force
Filing Date 2020-02-27
Publication Date 2020-09-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Agarwal, Asheesh
  • Dholakia, Nirmish
  • Mistry, Piyushkumar

Abstract

The invention provides methods, systems and computer programs for dual layer identity based access control implemented within systems that implement a micro-service architecture. The invention involves (i) receiving at a first resource server (a) a request for a first processor implemented service, (b) a primary access token generated by the primary identity authentication server, and (c) validation information corresponding to the primary access token that is transmitted by the primary identity authentication server, (iv) responsive confirming validity of the primary access token, transmitting to a secondary identity authentication server, a request for generation of a secondary access token, (v) receiving the secondary access token at the first resource server, and (vi) transmitting to a second resource server within the server system, a request for a second processor implemented service implemented by said second resource server.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol

79.

FRICTIONLESS SHOPPING METHOD AND SYSTEM

      
Application Number US2020023356
Publication Number 2020/191048
Status In Force
Filing Date 2020-03-18
Publication Date 2020-09-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Wyper, Stephane
  • Morris, Kevin Michael
  • Lindequist, Katherine
  • Tsampalis, Ioannis

Abstract

A frictionless shopping platform supports modular systems to outfit any physical store with a secure self-checkout experience. The frictionless shopping platform can communicate with a kiosk or mobile application to obtain customer information including payment information; a shopping sensor platform that tracks a user in the store to obtain anonymous shopper identification and associated shopping cart items; and a financial services provider to affect payment.

IPC Classes  ?

  • 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 20/18 - Payment architectures involving self-service terminals [SSTs], vending machines, kiosks or multimedia terminals
  • 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

80.

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR DUAL LAYER FEDERATED IDENTITY BASED ACCESS CONTROL

      
Application Number 16788489
Status Pending
Filing Date 2020-02-12
First Publication Date 2020-09-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Agarwal, Asheesh
  • Dholakia, Nirmish
  • Mistry, Piyushkumar

Abstract

The invention provides methods, systems and computer programs for dual layer identity based access control implemented within systems that implement a micro-service architecture. The invention involves (i) receiving at a first resource server (a) a request for a first processor implemented service, (b) a primary access token generated by the primary identity authentication server, and (c) validation information corresponding to the primary access token that is transmitted by the primary identity authentication server, (iv) responsive confirming validity of the primary access token, transmitting to a secondary identity authentication server, a request for generation of a secondary access token, (v) receiving the secondary access token at the first resource server, and (vi) transmitting to a second resource server within the server system, a request for a second processor implemented service implemented by said second resource server.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • 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

81.

SYSTEMS AND METHODS FOR PROVIDING RISK BASED DECISIONING SERVICE TO A MERCHANT

      
Application Number 16805501
Status Pending
Filing Date 2020-02-28
First Publication Date 2020-09-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Tomasofsky, Christian P.
  • Hubbard, Steve E.
  • Da Silva, Luis Filipe Ferreira
  • Gerber, Johan
  • Salazar, Clara
  • Hafner, Michelle

Abstract

A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.

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 10/06 - Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
  • G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards

82.

COMPUTER MESSAGE ROUTING AND PROCESSING SYSTEM AND METHOD

      
Application Number 16888211
Status Pending
Filing Date 2020-05-29
First Publication Date 2020-09-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mohrlock, Sharon
  • House, Winifred Elizabeth
  • Jonak, Carol A.
  • Rausaria, Suman
  • Rethorn, Mike
  • Musil, Aimee
  • Chong, Jill E.
  • Rice, Maria
  • Prabhune, Anushree Ashutosh
  • Lower, Richard

Abstract

A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/08 - Payment architectures
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

83.

MACHINE EXPERIMENTATION

      
Serial Number 90189290
Status Pending
Filing Date 2020-09-17
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 35 - Advertising; business
  • 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

Business management consulting services; Business data analysis; Market research services Design, development, maintenance and update of computer software; Consultancy in the design and development of computer software; Providing non-downloadable software for use in business analytics

84.

ALTERNATIVE FORM FACTOR FOR FINANCIAL INCLUSION

      
Application Number 16889057
Status Pending
Filing Date 2020-06-01
First Publication Date 2020-09-17
Owner MasterCard International Incorporated (USA)
Inventor
  • Musser, Paul Michael
  • Malhotra, Sandeep
  • Brown, David Colby

Abstract

According to some embodiments, apparatus and methods are provided comprising a connector attachment including a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • 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
  • G06F 13/40 - Bus structure
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • H04L 29/06 - Communication control; Communication processing characterised by a protocol

85.

SYSTEMS AND METHODS FOR DETECTING POTENTIALLY COMPROMISED PAYMENT CARDS

      
Application Number 16890896
Status Pending
Filing Date 2020-06-02
First Publication Date 2020-09-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Lacoss-Arnold, Jason Jay

Abstract

A computer-implemented method for detecting potentially compromised payment cards is provided. The method uses a processor in communication with a memory. The method includes storing a plurality of tokens. Each token includes merchant identification data corresponding to a first merchant. The method also includes transmitting the plurality of tokens to the first merchant and receiving an authorization request message from a merchant. The authorization request message includes a token and a merchant identifier corresponding to the merchant. The method further includes determining that the received token is one of the plurality of tokens associated with the first merchant, determining that the merchant identifier does not correspond to the first merchant, transmitting a message including instructions to decline the transaction, and attaching a potentially compromised flag to the first merchant. The potentially compromised flag indicates a heightened probability of fraudulent activity.

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 20/34 - 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
  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems

86.

MASTERCARD BRAND AFFECTION INDEX

      
Serial Number 90171507
Status Pending
Filing Date 2020-09-10
Owner Mastercard International Incorporated ()
NICE Classes  ? 35 - Advertising; business

Goods & Services

Market research, market intelligence, and business analysis services; conducting market surveys; collection and provision of marketing reports

87.

METHOD AND SYSTEM FOR SECURE PRODUCT DELIVERY USING CRYPTOGRAPHY

      
Application Number 16291425
Status Pending
Filing Date 2019-03-04
First Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mehrotra, Vipul
  • Chauhan, Ved Pratap Singh
  • Kumawat, Jaipal Singh

Abstract

A method for opening a secured lockbox through a digital signature includes: storing, in a memory of a computing device in a lockbox, a public key of a cryptographic key pair; receiving, by an input device of the computing device, a digital signature from an external communication device; validating, by a processing device of the computing device, the digital signature using the public key of the cryptographic key pair; and transmitting, by a transmitter of the computing device, a signal to an electronic locking mechanism of the lockbox interfaced with the computing device; and opening, by the electronic locking mechanism of the lockbox, an electronic lock granting access to contents of the lockbox upon receipt of the signal.

IPC Classes  ?

  • G07C 9/00 - Individual registration on entry or exit
  • 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
  • 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 10/08 - Logistics, e.g. warehousing, loading, distribution or shipping; Inventory or stock management, e.g. order filling, procurement or balancing against orders

88.

CONTROLLING ACCESS TO DATA RESOURCES ON HIGH LATENCY NETWORKS

      
Application Number 16293346
Status Pending
Filing Date 2019-03-05
First Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Iliev, Issidor L.

Abstract

A DACD for controlling access to data resources in a high latency network is provided. The DACD includes a high latency network interface for connecting with a remote network, and a local network interface for connecting with a local network. Communications with the local network have a lower latency than communications with the remote network. The DACD is programmed to receive using the local network interface a request including a resource identifier that identifies a data resource which may be safely accessed by at most one server device at a time, query an activation database on the local network with the resource identifier to determine that the resource identifier is in a deactivated status, broadcast using the high latency network interface a broadcast request that includes the resource identifier, and update the activation status for the resource identifier in the database to an activated status for the local network.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
  • H04W 76/10 - Connection setup

89.

DIGITAL WALLET PROMOTIONS THROUGH TOKENIZATION PLATFORM

      
Application Number 16294090
Status Pending
Filing Date 2019-03-06
First Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Shrivastava, Nitin
  • Yadav, Vivek S.
  • Baron-Aoudal, Claudia Alexandra

Abstract

Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion. The example embodiments use existing payment network infrastructure to provide seamless promotional enrollment through a tokenization platform instead of a standalone website.

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

90.

SECURITY FOR CONTACTLESS TRANSACTIONS

      
Application Number 16811727
Status Pending
Filing Date 2020-03-06
First Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mestre, Patrick
  • Smets, Patrik
  • Van De Velde, Eddy
  • Garrett, Duncan

Abstract

A method of performing a contactless transaction between a payment device and a terminal is described. The method comprises establishing a data connection between the payment device and the terminal and then establishing if the payment device and the terminal both support an enhanced security architecture. If they do not, they will then perform the contactless transaction according to a basic transaction flow using a first cryptographic system. If they do, they will perform the contactless transaction according to an enhanced transaction flow using a second cryptographic system. The first cryptographic system and the second cryptographic system comprise different asymmetric cryptographic systems. Suitable payment devices and terminals, and methods at the payment devices and terminals, are described.

IPC Classes  ?

  • 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
  • H04L 9/08 - Key distribution
  • 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

91.

METHOD AND SYSTEM FOR PROVIDING PERFORMANCE ASSESSMENT OF TERMINAL DEVICES

      
Application Number US2020020057
Publication Number 2020/180594
Status In Force
Filing Date 2020-02-27
Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • M D, Amresh
  • Balasubramanian, Balamurali
  • Chandra, Vikas

Abstract

A method for providing performance assessment of terminal devices is provided. A user initiates, by way of a service application that runs on a user device of the user, a first request for obtaining risk scores or connectivity scores of the terminal devices. The first request may include terminal identifiers of specific terminal devices or information pertaining to a specific geographical area. The user device communicates the first request to a server. The server determines the risk scores or the connectivity scores based on the first request. The server transmits, to the user device, a first response that includes the risk scores or the connectivity scores. The user device displays the risk scores or the connectivity scores to the user based on the first response, thereby providing the performance assessment of the terminal devices.

IPC Classes  ?

  • 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 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • 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

92.

CONTROLLING ACCESS TO DATA RESOURCES ON HIGH LATENCY NETWORKS

      
Application Number US2020020059
Publication Number 2020/180596
Status In Force
Filing Date 2020-02-27
Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Iliev, Issidor, L.

Abstract

A DACD for controlling access to data resources in a high latency network is provided. The DACD includes a high latency network interface for connecting with a remote network, and a local network interface for connecting with a local network. Communications with the local network have a lower latency than communications with the remote network. The DACD is programmed to receive using the local network interface a request including a resource identifier that identifies a data resource which may be safely accessed by at most one server device at a time, query an activation database on the local network with the resource identifier to determine that the resource identifier is in a deactivated status, broadcast using the high latency network interface a broadcast request that includes the resource identifier, and update the activation status for the resource identifier in the database to an activated status for the local network.

IPC Classes  ?

93.

DIGITAL WALLET PROMOTIONS THROUGH TOKENIZATION PLATFORM

      
Application Number US2020020063
Publication Number 2020/180597
Status In Force
Filing Date 2020-02-27
Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Shrivastava, Nitin
  • Yadav, Vivek S.
  • Baron-Aoudal, Claudia Alexandra

Abstract

Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion. The example embodiments use existing payment network infrastructure to provide seamless promotional enrollment through a tokenization platform instead of a standalone website.

IPC Classes  ?

94.

SECURITY FOR CONTACTLESS TRANSACTIONS

      
Application Number US2020021311
Publication Number 2020/181161
Status In Force
Filing Date 2020-03-06
Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mestre, Patrick
  • Smets, Patrik
  • Van De Velde, Eddy
  • Garrett, Duncan

Abstract

A method of performing a contactless transaction between a payment device and a terminal is described. The method comprises establishing a data connection between the payment device and the terminal and then establishing if the payment device and the terminal both support an enhanced security architecture. If they do not, they will then perform the contactless transaction according to a basic transaction flow using a first cryptographic system, If they do, they will perform the contactless transaction according to an enhanced transaction flow using a second cryptographic system. The first cryptographic system and the second cryptographic system comprise different asymmetric cryptographic systems. Suitable payment devices and terminals, and methods at the payment devices and terminals, are described.

IPC Classes  ?

  • 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

95.

USER VERIFICATION FOR CREDENTIAL DEVICE

      
Application Number 16811843
Status Pending
Filing Date 2020-03-06
First Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mestre, Patrick
  • Smets, Patrik
  • Van De Velde, Eddy

Abstract

A method for verification of a bearer of a credential device at a device reader is described. The method comprises first establishing a digital communication channel with the credential device, and then determining a set of verification options for the bearer and providing the set of verification options to the credential device over the digital communication channel. The credential device then selects a verification option from the set of verification options and communicates this to the device reader. The device reader can then verify the bearer of the credential device in accordance with the selected verification option. Methods at both the credential device and the device reader are described, as are suitably programmed credential devices and device readers.

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 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

96.

METHOD AND SYSTEM FOR CONVEYANCE OF MACHINE READABLE CODE DATA VIA PAYMENT NETWORK

      
Application Number 16879062
Status Pending
Filing Date 2020-05-20
First Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Yen, Philip Wei Ping
  • Smets, Patrik
  • Yoden, Michihiko

Abstract

A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

IPC Classes  ?

  • 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 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 30/06 - Buying, selling or leasing transactions
  • 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

97.

USER VERIFICATION FOR CREDENTIAL DEVICE

      
Application Number US2020021312
Publication Number 2020/181162
Status In Force
Filing Date 2020-03-06
Publication Date 2020-09-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mestre, Patrick
  • Smets, Patrik
  • Van De Velde, Eddy

Abstract

A method for verification of a bearer of a credential device at a device reader is described. The method comprises first establishing a digital communication channel with the credential device, and then determining a set of verification options for the bearer and providing the set of verification options to the credential device over the digital communication channel. The credential device then selects a verification option from the set of verification options and communicates this to the device reader. The device reader can then verify the bearer of the credential device in accordance with the selected verification option. Methods at both the credential device and the device reader are described, as are suitably programmed credential devices and device readers.

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

98.

MASTERCARD MONEY CONNECT SOLUTIONS

      
Serial Number 90159291
Status Pending
Filing Date 2020-09-04
Owner Mastercard International Incorporated ()
NICE Classes  ?
  • 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

Financial services, namely, banking, credit card transaction processing services, debit card transaction processing services; payment processing services; payment verification services; payment card transaction authorization and settlement services; electronic funds transfer; payment transaction authentication, namely, providing secure commercial transactions and payment options and debt settlement services; value exchange services, namely, 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; dissemination of financial information and financial information in the nature of 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 Design and development of computer software; consultancy in the design and development of computer software; data encryption and decryption of financial information; authentication services, namely, providing user and identity authentication services using software and hardware technology; providing temporary use of online non-downloadable software and web-based software applications for managing, locating, activating and revoking authentication and digital credentials of near field communication (NFC) devices; application programming interface (API) software platforms for use in the field of technology solutions; information, advisory and consultancy services relating to all the aforesaid services

99.

SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK TRANSACTIONS

      
Application Number 16803598
Status Pending
Filing Date 2020-02-27
First Publication Date 2020-09-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Kohli, Manoneet

Abstract

Systems and methods are provided for use in facilitating network transactions. In connection therewith, a server receives a request from an application of a requestor mobile device and polls sender mobile devices for location data, where a subset of the sender mobile devices is within a defined distance of the requestor mobile device. The server then receives a response from one of the subset of sender mobile devices and presents the response to the application of the requestor mobile device. Upon acceptance of the response, the server transmits the acceptance to the sender mobile device, thereby enabling delivery of an amount requested to a requestor user associated with the requestor mobile device in exchange for a digital transaction from an account of the requestor user to an account of a sender user associated with the sender mobile device.

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 20/40 - 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

100.

METHOD AND SYSTEM FOR PROVIDING PERFORMANCE ASSESSMENT OF TERMINAL DEVICES

      
Application Number 16806041
Status Pending
Filing Date 2020-03-02
First Publication Date 2020-09-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Balasubramanian, Balamurali
  • M D, Amresh
  • Chandra, Vikas

Abstract

A method for providing performance assessment of terminal devices is provided. A user initiates, by way of a service application that runs on a user device of the user, a first request for obtaining risk scores or connectivity scores of the terminal devices. The first request may include terminal identifiers of specific terminal devices or information pertaining to a specific geographical area. The user device communicates the first request to a server. The server determines the risk scores or the connectivity scores based on the first request. The server transmits, to the user device, a first response that includes the risk scores or the connectivity scores. The user device displays the risk scores or the connectivity scores to the user based on the first response, thereby providing the performance assessment of the terminal devices.

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
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