MasterCard International Incorporated

United States of America

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Date
2020 August 1
2020 (YTD) 2
2019 11
2018 19
2017 52
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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 100
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices 43
G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof 33
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 28
G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination 27
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Status
Pending 152
Registered / In Force 96
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1.

METHOD AND SYSTEM FOR OFFERING VALUE-ADDED SERVICES ON TRANSACTIONS

      
Document Number 03071178
Status Pending
Filing Date 2020-02-05
Open to Public Date 2020-08-07
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bhargava, Vidit
  • Sab, Haseena Parvin Khasim

Abstract

A method and a system for offering value-added services on a transaction initiated at a terminal device is provided. The method includes generating a reference identifier for the transaction by a server. The server stores the reference identifier and service details of the value-added services that are applicable on the transaction in a database, and communicates the reference identifier to the terminal device. The server receives a service request for offering a first value-added service on the transaction from the terminal device. The service request includes the reference identifier. Based on the reference identifier included in the service request, the server retrieves the service details of the first value- added service from the database and communicates a service response including the retrieved service details to the terminal device. Based on the service response, the first value-added service is offered on the transaction.

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 20/40 - 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 16/90 - Information retrieval; Database structures therefor; File system structures therefor - Details of database functions independent of the retrieved data types

2.

BIOMETRICALLY SECURED AGE AUTHENTICATION

      
Document Number 03064074
Status Pending
Filing Date 2019-12-06
Open to Public Date 2020-06-11
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor Biggs, Alistair Frederick Brodie

Abstract

The present disclosure relates to biometrically securing authentication of the age of a user, when age authentication is required for an electronic point of sale terminal (POS) to provide an approval. There is provided a method performed by an electronic payment device, the method comprising: receiving a request for user age authentication from a POS; biometrically authenticating the user's identity; subsequent to receiving the request for user age authentication and biometrically authenticating the user's identity: retrieving user age data from a memory of the device and transmitting the user age data to the POS; and retrieving payment credentials from the memory and transmitting the payment credentials to the POS. There are also provided an electronic payment device, a method performed by a POS, a POS and a computer readable medium comprising computer executable instructions which, when executed by a processor, cause either of the aforementioned methods to be performed.

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 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints

3.

METHOD AND SYSTEM FOR CONTACTLESS WITHDRAWAL FROM AN ATM

      
Document Number 03045801
Status Pending
Filing Date 2019-05-10
Open to Public Date 2019-11-11
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Skelsey, Susan
  • Wyper, Stephane
  • Balsavias, Peter
  • Mcdermott, Kelley

Abstract

A method for contactless withdrawal at an automated teller machine includes: receiving, by a receiver of a computing device, a first signal indicating proximity to a first predetermined geographic location; displaying, by a display interfaced with the computing device, a prompt associated with the predetermined geographic location; receiving, by an input device interfaced with the computing device, one or more parameters and a credential selection; receiving, by the computing device, a second signal indicating proximity to a second predetermined geographic location; and transmitting, by a transmitter of the computing device, at least the one or more parameters and credentials associated with the credential selection to an automated teller machine located at the second predetermined geographic location.

IPC Classes  ?

  • G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • H04W 4/021 - Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

4.

SYSTEMS AND METHODS FOR MANAGING DIGITAL IDENTITIES ASSOCIATED WITH USERS

      
Document Number 03091937
Status Pending
Filing Date 2019-02-20
Open to Public Date 2019-08-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Kamal, Ashfaq
  • Walton, Charles
  • Reany, Robert, D.

Abstract

Systems and methods are provided for managing digital identities in multiple regions, through multiple identity providers, while providing for policy enforcement in connection with the digital identities. One exemplary method includes receiving, at an identity and access management hub (LAMH) in a first region, a request related to a digital identity from a secondary hub disposed in a second region and checking a policy associated with the digital identity. In response, the LAMH solicits at least one claim from a user, at a relying party application and/or website, based on the request and provides the at least one claim to a value-added service associated with the LAMH for verification of the at least one claim. The LAMH then transmits a result of the verification to the relying party associated with the request and provides a token, in response to the request, to a secure resource associated with the relying party.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/31 - User authentication

5.

SYSTEMS AND METHODS FOR USE IN MANAGING DIGITAL IDENTITIES

      
Document Number 03090719
Status Pending
Filing Date 2019-01-15
Open to Public Date 2019-08-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Iyer, Ranjita Shankar
  • Reany, Robert D.
  • Kamal, Ashfaq

Abstract

Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the messaging includes a changed attribute for the user. The method also includes generating a hash of a digital identity for the user with the changed attribute, generating a hash of the digital identity of the user stored in a ledger data structure, and transmitting a request for the user to attest to the changed attribute when the generated hashes do not match. The method then further includes broadcasting a pending status of the digital identity of the user to a relying party for the digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

IPC Classes  ?

  • G06F 21/33 - User authentication using certificates
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system

6.

PROVISIONING OF PAYMENT ACCEPTANCE TO PAYMENT ACCOUNT HOLDERS

      
Document Number 03088109
Status Pending
Filing Date 2019-01-15
Open to Public Date 2019-07-25
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Khoja, Zahir
  • Hicks, James
  • Sharma, Prashant
  • Chandrasekaran, Ashwin
  • Yen, Philip Wei Ping

Abstract

A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.

IPC Classes  ?

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

7.

METHOD AND SYSTEM FOR SERVICING AND COFUNDING OF INSTALLMENTS

      
Document Number 03082806
Status Pending
Filing Date 2018-11-06
Open to Public Date 2019-06-27
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Steenbeek, Dominique
  • Barrett, Gregory James
  • Prabhune, Anushree Ashutosh

Abstract

A method for servicing a co-funded installment includes: storing agreement data entries, each related to a co-funding agreement and including a merchant identifier, acquirer identifier, and one or more installment parameters; receiving a transaction message for a payment transaction, the transaction message including a specific merchant identifier, a specific acquirer identifier, and transaction data; identifying at least one agreement data entry where the included merchant identifier corresponds to the specific merchant identifier and where the included acquirer identifier corresponds to the specific acquirer identifier; identifying a plurality of installment terms based on the transaction data and the one or more installment parameters included in one of the at least one identified agreement data entries; and transmitting the identified plurality of installment terms.

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 20/10 - Payment architectures specially adapted for home banking systems

8.

SYSTEMS AND METHODS FOR FACILITATING NETWORK REQUESTS

      
Document Number 02993054
Status Pending
Filing Date 2018-01-25
Open to Public Date 2019-06-21
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Judge, Edward William

Abstract

Systems and methods are provided for facilitating network requests regarding transit by users. One exemplary method includes receiving, at a computing device, a network request for a subscription plan from a user and requesting, by the computing device, issuance of a transit account from an issuing entity, whereby, upon issuance of the transit account, a credential associated with the transit account is provisioned to a transit application associated with the user. The exemplary method also includes directing, by the computing device, funds from a common account to the transit account, at the issuing entity, based on the subscription plan, thereby permitting the user to engage in transit services funded by the transit account consistent with the subscription plan at multiple different transit providers.

IPC Classes  ?

  • G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
  • G06Q 50/30 - Transportation; Communications
  • G06Q 30/00 - Commerce, e.g. shopping or e-commerce
  • H04L 12/16 - Arrangements for providing special services to substations

9.

SYSTEMS AND METHODS RELATING TO DIGITAL IDENTITIES

      
Document Number 03025402
Status Pending
Filing Date 2018-11-27
Open to Public Date 2019-06-21
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Bryson, Brandon Craig

Abstract

Systems and methods are provided for use in responding to attribute queries related to identifying information for a user. One exemplary method includes receiving a request for an identity code for a user associated with identifying information, where the identifying information includes multiple attributes of the user, and generating the identity code and transmitting it to a communication device associated with the user, thereby permitting the user to present the identity code to a requesting party. The method then includes receiving an identity request from the requesting party including the identity code and at least one query related to at least one of the multiple attributes of the user, identifying the user based on the identity code, compiling a response to the at least one query based on the identifying information of the user at one or more attributed providers, and transmitting the response back to the requesting party.

IPC Classes  ?

  • G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
  • G06F 16/903 - Querying

10.

SYSTEMS AND METHODS FOR USE IN AUTHENTICATING USERS IN CONNECTION WITH NETWORK TRANSACTIONS

      
Document Number 03019776
Status Pending
Filing Date 2018-10-04
Open to Public Date 2019-04-05
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Lakka, Sowmya Reddy
  • Piel, Brian
  • Palomba, Vincenzo
  • Main, Jonathan James
  • Roberts, David Anthony

Abstract

Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

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
  • G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals
  • 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

11.

SYSTEMS AND METHODS FOR REDUNDANT ARRAY DATA ALIGNMENT

      
Document Number 03071803
Status Pending
Filing Date 2018-07-13
Open to Public Date 2019-02-07
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Tierney, Gerard
  • Szwarc, Wesley Alan

Abstract

A data alignment (DA) computing device is communicatively coupled to a first and a second data storage device. The first data storage device stores an array of partitions including a first subset and a second subset of partitions, and metadata associated with the array that includes a reference pointer for each partition. The DA computing device updates the metadata to remove the reference pointers for the second subset of partitions and thereby remove the second subset from the array, stores a partition table defining the first subset within the first data storage device and the second subset within the second data storage device, stores the metadata associated with the array within the second data storage device, updates the second data storage device to include the second subset of partitions, and updates the metadata stored by the data storage devices to link the second subset of partitions to the array.

IPC Classes  ?

  • G06F 3/06 - Digital input from, or digital output to, record carriers

12.

SYSTEMS AND METHODS FOR CUSTOMIZED OPERATING SYSTEM CONVERSION

      
Document Number 03071787
Status Pending
Filing Date 2018-07-13
Open to Public Date 2019-02-07
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Tierney, Gerard
  • Szwarc, Wesley Alan

Abstract

An operating system conversion (OSC) computing device generates a custom archive file including an OS image file associated with a second operating system (OS) for a host computing device having a first OS. The OSC computing device formats a data storage device of the host computing device to include a first partition associated with the first OS and a second partition associated with the second OS, transmits the custom archive file to the host computing device, and generates, using the custom archive file, a loopback file system mounted to the host computing device to emulate a physical data storage device. The OS image file is accessible though the loopback file system. The OSC computing device stores the OS image file within an install directory of the second partition and converts an OS operating on the host computing device from the first OS to the second OS.

IPC Classes  ?

13.

METHOD AND SYSTEM FOR IMPROVED TRANSACTION PROCESSING AND ROUTING

      
Document Number 03069960
Status Pending
Filing Date 2018-07-13
Open to Public Date 2019-01-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Mclaughlin, Edward Grunde
  • Haymond, Sherri Gayle
  • Clark, Richard
  • Lorberg, Dana J.
  • Jansson, Carl D.

Abstract

A method for intelligent switching for multiple transaction types includes: storing a plurality of action events, each associated with one of a plurality of data types and including corresponding executable processes; storing each of the executable processes corresponding to each action event; receiving a data message from a third party system; identifying a specific data type of the data message; and executing a specific action event that is associated with the specific data type, wherein executing the specific action event includes executing each of the corresponding executable processes, at least one of the corresponding executable processes includes transmitting the received data message to an authorization system associated with the specific data type, and the plurality of data types includes at least a financial transaction message and an automated clearing house message.

IPC Classes  ?

  • G06Q 20/08 - Payment architectures
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

14.

SYSTEMS AND METHODS FOR ASSESSING ACCOUNT ISSUER PERFORMANCE RELATIVE TO ONE OR MORE METRICS

      
Document Number 02970630
Status Pending
Filing Date 2017-06-14
Open to Public Date 2018-11-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Valentzas, Anne
  • Pyper, Andrew
  • Wetzel, Christopher Brandon

Abstract

Systems and methods are provided for assessing account issuer performance relative to one or more metrics. One exemplary method includes identifying a set of peer issuers for a target issuer based on at least one characteristic of the target issuer, determining an aggregate value of at least one metric for the identified set of peer issuers, and comparing the aggregate value to a value of the at least one metric for the target issuer of the at least one metric for the target issuer. The method further includes assigning an indicator to the target issuer, for the at least one metric, based on the comparison and transmitting the indicator to the target issuer, thereby responding to the request and permitting the target issuer to assess a performance of the target issuer relative to the identified set of peer issuers.

IPC Classes  ?

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

15.

SYSTEM AND METHOD FOR DATA THEFT PREVENTION

      
Document Number 03058662
Status Pending
Filing Date 2018-04-11
Open to Public Date 2018-11-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor Gorenstein, Alan

Abstract

Data theft may be prevented by modifying a data storage device having standard data records to include "mine" data records. The mine data records may include executable code that when executed implement a breach action that destroys the data records and/or external storage devices in some manner. The mine data records may be recorded in a data decoder. Should an authorized user desire to access the data storage device, an authorizer may provide (or have previously provided) the authorized user with instructions identifying the mine data record locations based on the data decoder.

IPC Classes  ?

16.

SYSTEMS AND METHODS FOR PROVIDING DIGITAL IDENTITY RECORDS TO VERIFY IDENTITIES OF USERS

      
Document Number 03058140
Status Pending
Filing Date 2018-02-27
Open to Public Date 2018-10-04
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor Kamal, Ashfaq

Abstract

Systems and methods arc provided for verifying identities of users. One exemplary method includes generating a unique identifier (ID) for a user, generating a public/private key pair associated with the unique ID for the user, and receiving at least two images. The images include a first image associated with a physical document indicative of an identity of the user and a second image comprising an image of at least part of the user. The exemplary method further includes validating an integrity of the first image, converting at least the first image to one-way hashed data, when the integrity of the first image is valid, and transmitting the hashed data signed with the private key, the unique ID and the public key to an identification provider, whereby a digital identity record for the user is stored in a ledger data structure.

IPC Classes  ?

  • 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 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • 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 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06Q 50/26 - Government or public services
  • G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals
  • G06F 21/35 - User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
  • G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures

17.

METHOD AND SYSTEM FOR RECORDING POINT TO POINT TRANSACTION PROCESSING

      
Document Number 03055211
Status Pending
Filing Date 2018-03-07
Open to Public Date 2018-09-13
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bergner, Rebecca Ann
  • Murphy, Anthony Paul
  • D'Erizans, Richard David
  • Joshi, Gopinatha
  • Jansson, Carl D.
  • Rice, Maria

Abstract

A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity can provide for roles and hierarchies of authorized users of the platform for that entity, and where the platform is configured to provide, among other services, registration of procurement status for purchase orders in a digital ledger that provides for auditability and immutability.

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 20/00 - Payment architectures, schemes or protocols
  • G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

18.

METHOD AND SYSTEM FOR RECORDING POINT TO POINT TRANSACTION PROCESSING

      
Document Number 03055212
Status Pending
Filing Date 2018-03-07
Open to Public Date 2018-09-13
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bergner, Rebecca Ann
  • Murphy, Anthony Paul
  • D'Erizans, Richard David
  • Joshi, Gopinatha
  • Jansson, Carl D.
  • Rice, Maria

Abstract

A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity can provide for roles and hierarchies of authorized users of the platform for that entity, and where the platform is configured to provide, among other services, registration of procurement status for purchase orders in a digital ledger that provides for auditability and immutability.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

19.

METHOD AND SYSTEM FOR RECORDING POINT TO POINT TRANSACTION PROCESSING

      
Document Number 03055210
Status Pending
Filing Date 2018-03-07
Open to Public Date 2018-09-13
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bergner, Rebecca Ann
  • Murphy, Anthony Paul
  • D'Erizans, Richard David
  • Joshi, Gopinatha
  • Jansson, Carl D.
  • Rice, Maria

Abstract

A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity can provide for roles and hierarchies of authorized users of the platform for that entity, and where the platform is configured to provide, among other services, registration of procurement status for purchase orders in a digital ledger that provides for auditability and immutability.

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 20/00 - Payment architectures, schemes or protocols
  • G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

20.

METHOD AND SYSTEM FOR AUTHENTICATION VIA A TRUSTED EXECUTION ENVIRONMENT

      
Document Number 03051246
Status Pending
Filing Date 2018-01-23
Open to Public Date 2018-07-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Rutherford, Bruce John
  • Sharma, Prashant
  • Cutler, David
  • Mushing, Alan

Abstract

A method for authentication facilitated via a trusted execution environment includes: reading payment credentials in a first application program stored in a first memory area of a computing device; transmitting an authentication request to a second application program stored in a trusted execution environment of the computing device separate from the first memory area; displaying a prompt for authentication data based on an instruction supplied by the second application program; receiving authentication data; transmitting the received authentication data to an external computing device; receiving, by the second application program of the computing device, an authentication result from the external computing device; and transmitting, by the second application program of the computing device, the authentication result to the first application program in response to the authentication request.

IPC Classes  ?

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

21.

SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS AT NETWORK EDGE NODES

      
Document Number 03039047
Status Pending
Filing Date 2017-10-11
Open to Public Date 2018-05-11
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Hosny, Ahmed
  • Atkins, Michael C.
  • Groarke, Peter

Abstract

An edge node computing system and corresponding methods for performing secondary processing of data at edge nodes of a computer network. The edge node computing system receives messages, such as authorization messages, representing a payment transaction initiated by a cardholder with a merchant. A primary processor of the edge node computing system performs a primary processing and determines whether to forward the message to a second processor for secondary processing. After secondary processing is completed, the second processor generates an enhanced message based on the original message and the results of the secondary processing and transmits the enhanced message accordingly. The systems and methods disclosed are particularly suited for provided value-added services in payment processing networks.

IPC Classes  ?

  • G06Q 20/00 - Payment architectures, schemes or protocols
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

22.

METHOD AND SYSTEM FOR UNIVERSAL CONTROL ACCOUNT ACTIVITIES

      
Document Number 03040471
Status Pending
Filing Date 2017-09-11
Open to Public Date 2018-04-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Anderson, James John
  • Malhotra, Sandeep
  • Dhala, Amyn Mohamed
  • Johnson, Alan

Abstract

A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account number; receiving, at the first device, a transaction message including a data element having the token number and additional transaction data; determining, by the first device, compliance with the transaction controls based on the additional transaction data; transmitting the transaction message from the first to the second device; replacing, by the second device, the token number with the account number in the transaction message; and transmitting, by the second device, the transaction message to a financial institution associated with the account number.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

23.

METHOD AND SYSTEM FOR IDENTITY AND CREDENTIAL PROTECTION AND VERIFICATION VIA BLOCKCHAIN

      
Document Number 03039031
Status Pending
Filing Date 2017-09-11
Open to Public Date 2018-04-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Murphy, Anthony Paul
  • Mattingly, Timothy Warren
  • Flor, Peter Julian Reyes

Abstract

A method for distributed storage of identity data includes: receiving entity data for a plurality of entities, the data including an associated public key, associated attributes, and a geographic jurisdiction, and where one entity is a subordinate; generating a data file for each entity including the associated attributes and public key, and where the subordinate entity's data file includes a digital signature associated with a superior entity; generating an identity value for each entity via hashing the associated data file; and storing, in a distributed hash table, a key-value pair for each entity, wherein the key is the associated identity value, the value comprises the associated attributes, and the key-value pair is stored in a physical data storage device located in a geographic area corresponding to the associated geographic jurisdiction.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system

24.

SYSTEMS AND METHODS FOR CONSOLIDATED MESSAGE PROCESSING

      
Document Number 03034657
Status Pending
Filing Date 2017-08-21
Open to Public Date 2018-03-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Groarke, Peter
  • Hosny, Ahmed

Abstract

A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web- based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format. The network translation computing device generates a network-format authorization request message including the plurality of data elements in the network-based format. The network translation computing device transmits the network-format authorization request message to an issuer of the transaction card to initiate an authorization process of the transaction.

IPC Classes  ?

  • G06Q 30/06 - Buying, selling or leasing transactions
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/12 - 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

25.

FASTER DIGITAL WALLET PROCESSING

      
Document Number 03033477
Status Pending
Filing Date 2017-07-24
Open to Public Date 2018-02-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Saby, Bertrand
  • Freire, Ramon

Abstract

The present disclosure relates to increasing the speed of usage of digital wallets. A method of processing a digital wallet transaction comprises: receiving a transaction authorisation request message comprising a transaction value and payment credentials for a holding credit line; and responsive thereto, comparing the transaction value to the holding credit line's current balance. A method of conducting a digital wallet transaction comprises: in response to receiving a push notification of a transaction approval indicating that a holding credit line balance is determined to be equal to or to exceed a transaction value, presenting a digital wallet holder with a plurality of funding options for the transaction. The holding credit line balance is the sum of a plurality of account balances for a plurality of accounts associated with the digital wallet. The funding options comprise funding the transaction from one or more of those accounts.

IPC Classes  ?

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

26.

CRYPTOGRAPHIC AUTHENTICATION AND TOKENIZED TRANSACTIONS

      
Document Number 03033654
Status Pending
Filing Date 2017-08-11
Open to Public Date 2018-02-15
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 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

27.

DATA SHARING WITH CARD ISSUER VIA WALLET APP IN PAYMENT-ENABLED MOBILE DEVICE

      
Document Number 03031923
Status Pending
Filing Date 2017-06-20
Open to Public Date 2018-02-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Phillips, Simon
  • Anderson, James John

Abstract

A payment-enabled mobile device runs a merchant wallet application. The mobile device engages in a transaction with the merchant at the point of sale. Transaction detail data is transmitted from the wallet application to a transaction authentication server. The transaction detail data includes details of the transaction. A response message from the authentication server is received by the payment-enabled mobile device. Payment credential information is made available to a POS terminal operated by the merchant and/or to a payment processor acting for the merchant.

IPC Classes  ?

  • G06Q 20/22 - Payment schemes or models
  • 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

28.

ENHANCED DEVICE INTERACTION FOR CONTACTLESS POINT OF SALE PROCESSING

      
Document Number 03026188
Status Pending
Filing Date 2017-07-27
Open to Public Date 2018-02-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Smets, Patrik
  • Mestre, Patrick
  • Hay, Florent
  • Chen, Kuan Hua
  • Harvey, Shilpa

Abstract

A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and the second computing device using a communication technology are established. A first interaction is performed using the first channel and an additional interaction is performed using the second channel. Suitable first and second computing devices are also described.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

29.

SYSTEM AND METHOD FOR END-TO-END KEY MANAGEMENT

      
Document Number 03031927
Status Pending
Filing Date 2017-06-13
Open to Public Date 2018-02-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Collinge, Mehdi
  • Abou El Enin, Mohamed
  • Bacioccola, Andrea
  • Ward, Michael

Abstract

Provided are a system and method for managing encryption keys used by a payment application on a mobile device. The method includes executing a mobile payment application in a user domain of the mobile device, where the user domain is an operating environment in which applications are executed and accessed by a user, importing a plurality of encryption keys for use by the mobile payment application into a system domain, of the mobile device, where the system domain is a more secure operating environment controlled by an operating system, encrypting payment information of the mobile payment application in the system domain using one or more of the imported keys while executing the mobile payment application in the user domain, and transmitting the encrypted payment information to a merchant.

IPC Classes  ?

  • G06F 21/53 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems during program execution, e.g. stack integrity, buffer overflow or preventing unwanted data erasure by executing in a restricted environment, e.g. sandbox or secure virtual machine
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

30.

SECURE CHANNEL ESTABLISHMENT

      
Document Number 03026191
Status Pending
Filing Date 2017-07-14
Open to Public Date 2018-01-25
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Ward, Michael
  • Beric, John
  • Garrett, Duncan
  • Roberts, David Anthony

Abstract

A method of establishing a secure channel for communication between a first computing device and a second computing de- vice is described. The method uses an elliptic curve Diffie-Hellman protocol, wherein G is an elliptic curve generator point and the first computing device has a unique private key de with a public key Q c =G certified by a party trusted by the second computing device. The first computing device generates 520 a blinding factor r and sends 540 a blinded public key R = r. Q c to the second computing device. The second computing device generates 510 an ephemeral private key dt and a corresponding ephemeral public key Q t = d t G and sends Q t to the first computing device. The first computing device generates 530 K c= KDF (r d e. Q t) and the second computing device generates 550 K t = KDF (d t. R), where KDF is a key derivation function used in both generation operations, to establish a secure channel between the first computing device and the second computing device. G is a point in the elliptic curve group E, wherein E is a group of prime order but E* is the quadratic twist of E and is a group of order m = z. m' where m' is prime and z is an integer, wherein r. de is chosen such that z is a factor of r. de. Suitable apparatus for performing the method is also described.

IPC Classes  ?

  • H04L 9/08 - Key distribution
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
  • H04L 9/32 - Arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system

31.

METHOD AND SYSTEM FOR REAL-TIME CONTROLS ON CREDIT CHECK REQUESTS

      
Document Number 03031335
Status Pending
Filing Date 2017-07-20
Open to Public Date 2018-01-25
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Dhala, Amyn Mohamed
  • Savoye, Mark N.
  • Bugh, Jill Boyd
  • Pacher, Frederick Michael

Abstract

A method for determining real-time authorization of a credit check includes: storing a plurality of account profiles, each including an account number and communication preferences; receiving a transaction message related to an electronic transaction from a payment network, the message including a specific account number, a credit identifier, and transaction data; identifying a specific account profile that includes the specific account number; transmitting a credit check request to a computing device associated with the specific account profile based on the communication preferences, the credit check request including data stored in the received transaction message; receiving an indication of approval of a credit check associated with the electronic transaction from the computing device; and transmitting a return message to the payment network, wherein the return message includes the indication of approval.

IPC Classes  ?

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

32.

METHOD AND SYSTEM FOR CARDLESS DISBURSEMENT FROM AN AUTOMATED TELLER MACHINE

      
Document Number 03024885
Status Pending
Filing Date 2017-06-23
Open to Public Date 2018-01-04
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Belin, Max Alexander
  • Braga, Derrick Michael
  • Larosa, Theresa
  • Pareja Muller, Ricardo
  • Goodman, Daniel Jason
  • Page, Scott J.
  • Bugh, Jill Boyd
  • Hill, Dennis
  • Bhagat, Deepankar
  • Koletsky, Barry Seth
  • Mcmillin, Glen R.

Abstract

A method for cardless withdrawal from an automated teller machine includes: receiving, by an input device of an automated teller machine (ATM), user input comprising at least: a first code, a device identifier associated with a computing device, and a transaction amount; electronically transmitting, by the ATM, at least the first code, device identifier, and the transaction amount to a first computing system; receiving, by a receiving device of the ATM, a transaction account number from the first computing system; electronically transmitting, by the ATM, a withdrawal request including at least the transaction account number and the transaction amount to an acquiring institution; receiving, by the receiving device of the ATM, an indication from the acquiring institution that indicates approval of the withdrawal request; and dispensing, by a dispensing module of the ATM, one or more payment instruments having a value equivalent to the transaction amount.

IPC Classes  ?

  • G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

33.

METHOD AND SYSTEM FOR OBFUSCATION OF GRANULAR DATA WHILE RETAINING DATA PRIVACY

      
Document Number 03024896
Status Pending
Filing Date 2017-06-02
Open to Public Date 2017-12-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Villars, Curtis C.

Abstract

A method for obfuscating granular transaction data via the introduction of noise includes: storing transaction data entries, each including transaction data values including at least a transaction amount and merchant identifier; receiving a data request including selection criteria and desired metrics; identifying a subset of transaction data entries based on the selection criteria; identifying a metric value for each desired metric based on the corresponding transaction data value in each of the transaction data entries in the subset; inserting noise to modify the subset by (i) adjusting the transaction data values included in at least two of the transaction data entries, and/or (ii) adding at least one transaction data entry to and removing at least one transaction data entry from the subset, where the inserted noise adjusts the metric values within a predetermined range; and transmitting the modified subset.

IPC Classes  ?

  • 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

34.

METHOD AND SYSTEM FOR AUTHORIZING AND PROCESSING PAYMENT TRANSACTIONS OVER A NETWORK

      
Document Number 03029018
Status Pending
Filing Date 2017-06-07
Open to Public Date 2017-12-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Sigmund, Matthias Wolfgang

Abstract

A method for authorizing and processing payment transactions over a network, the method comprising the steps of initiating, responsive to a user payment request to process a payment for a purchase on a merchants website, a user interface, establishing a secure communication channel between the interface and an account server, the account server having stored a profile of an registered user, submitting, by the user interface, purchase information of the purchase order to the account server, requesting, by the account server through the user interface, authentication of the user, linking, at the account server, purchase information to the user profile, requesting, through the user interface, purchase confirmation by the user, requesting, by the user interface, a checkout reference for the confirmed purchase order from the account server, submitting, at least part of the purchase information and the checkout reference to a payment service provider to process the transaction.

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]

35.

METHOD AND SYSTEM FOR POST-TRANSACTION REWARDS

      
Document Number 03020294
Status Pending
Filing Date 2017-02-14
Open to Public Date 2017-10-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Clark, Kyle Patrick

Abstract

A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.

IPC Classes  ?

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

36.

METHOD AND SYSTEM FOR STANDALONE REAL-TIME REWARDS

      
Document Number 03020301
Status Pending
Filing Date 2017-02-14
Open to Public Date 2017-10-12
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Clark, Kyle Patrick
  • Guiney, Christopher Andrew
  • Pastrana, Jensen James E.

Abstract

A method for determining rebate eligibility of a transaction account is described. The method includes receiving a real-time message including a reason code; identifying a specific account profile from a plurality of profiles; validating the reason code based on a plurality of predetermined valid reason codes; and validating a transaction account related to the identified specific account profile for eligibility of a rebate based on at least the included account balance and a cost value included in the real-time message.

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

37.

METHOD AND SYSTEM FOR RECORDING POINT TO POINT TRANSACTION PROCESSING

      
Document Number 03018326
Status Pending
Filing Date 2017-03-21
Open to Public Date 2017-09-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Lugli, Peter, A.
  • Mattingly, Timothy, Warren
  • Juliano, Dan

Abstract

A method for processing a point to point payment transaction includes: receiving a first data message related to a payment transaction, storing, the first, second and third data element with a link to a record affiliated with the first data message; generating, a second data message related to the payment transaction; storing, the first data element with a fink to a record affiliated with the second data message; generating a third data message related to the payment transaction, storing the first data element, and the second data element with a link to a record affiliated with the third data message, and transmitting the first data message, the second data message, the third data message for display on a graphical user interface (GUI).

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]

38.

METHOD AND SYSTEM FOR PRE-TRANSACTION INSTALLMENT PAYMENT SOLUTION AND SIMULATION OF INSTALLMENT

      
Document Number 03018173
Status Pending
Filing Date 2017-02-14
Open to Public Date 2017-09-21
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Abela, Ruth Elizabeth
  • Steenbeek, Dominique
  • Libus, Anna Elizaveta

Abstract

A method for flagging a pre-approved installment transaction for issuer processing includes: receiving installment data, wherein the installment data is related to an installment transaction pre-approved by an issuing financial institution and includes a primary account number, pre-approved amount, and transaction criteria; receiving a transaction message including the primary account number, a transaction amount, and transaction data; verifying compliance of the payment transaction with the installment transaction based on a correspondence between the pre-approved amount and transaction amount and the transaction criteria with the transaction data; storing an installment flag in the transaction message upon successful verification; and transmitting the transaction message including the installment flag to the issuing financial institution via the payment network.

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

39.

METHOD AND SYSTEM FOR ELECTRONIC DISTRIBUTION OF CONTROLLED TOKENS

      
Document Number 03017127
Status Pending
Filing Date 2017-03-07
Open to Public Date 2017-09-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Good, William J.
  • Fields, Joshua
  • Smelcer, Mark
  • Patankar, Amit
  • Mirka, Renee

Abstract

A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from, a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the second mobile device; and transmitting a new set of token credentials to the second mobile device.

IPC Classes  ?

  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping 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 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • 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 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

40.

METHOD AND SYSTEM FOR POINT TO POINT TRANSACTION PROCESSING

      
Document Number 03017344
Status Pending
Filing Date 2017-03-09
Open to Public Date 2017-09-14
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Mattingly, Timothy Warren
  • Mehta, Saurabh
  • Rethorn, Mike

Abstract

A method for processing a point to point payment transaction includes: receiving a first transaction message related to a payment transaction including a transaction amount, primary account number, and recipient account number; generating a second transaction message related to the payment transaction including a payment amount based on the transaction amount; transmitting the second transaction message to a first financial institution associated with the primary account, number; determining receipt of a currency amount equivalent to the payment amount from the first financial institution; generating a third transaction message related to the payment transaction including the recipient account, number and a settlement amount based on the transaction amount; and transmitting the third transaction message to a second financial, institution associated with the recipient account number.

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 20/10 - Payment architectures specially adapted for home banking systems

41.

IDENTIFICATION OF SPECIALLY FORMATTED DATA SETS FOR OPTIMIZATION OF ACQUIRER PERFORMANCE

      
Document Number 03013409
Status Pending
Filing Date 2016-02-03
Open to Public Date 2017-08-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Haceaturean, Alexandr
  • Isamukhamedov, Shavkat
  • Bosmans, Koen
  • Boujtat, Ali

Abstract

?A method for identifying attributes for transaction messages exhibiting technical decline factors includes: storing transaction messages, each being formatted based on one or more standards and including a plurality of data elements including a first data element configured to store a response code; storing a plurality of attribute correspondences, each including a correspondence between a transaction attribute and data element value for a specific data element; executing a first query to identify a subset of transaction messages where the response code is one of a predetermined set of values; executing a second query to associate, for each transaction message, one or more transaction attributes based on data element values in the message and the attribute correspondences; identifying one or more transaction groups, each group corresponding to at least one transaction attribute and including transaction messages of the subset associated with each corresponding transaction attribute.

IPC Classes  ?

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

42.

INFORMATION TRANSACTION INFRASTRUCTURE

      
Document Number 03011600
Status Pending
Filing Date 2017-01-26
Open to Public Date 2017-08-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Goloshchuk, Vladimir

Abstract

A method of transferring information with verification from a first party to a second party using suitably programmed computing apparatus is described. Information from a first party private address to a first party public address. This information is then sent from the first party public address to a second party address. The information is also provided for public recordal on a block of a block chain for verification. The first party private address is not communicated to the second party but the first party public address is communicated to the second party. This approach is particularly suitable for transfer of cryptocurrency, as it allows for an effective refund mechanism. Computing apparatus and application software adapted to implement this approach is also described.

IPC Classes  ?

  • G07G 3/00 - Alarm indicators, e.g. bells
  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
  • G06Q 20/08 - Payment architectures
  • 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

43.

DIGITAL ASSET CONVERSION

      
Document Number 03011735
Status Pending
Filing Date 2017-01-26
Open to Public Date 2017-08-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Goloshchuk, Vladimir

Abstract

A method of converting digital assets into a transaction currency is described that it suitable for use in a transaction system that is not adapted for transactions using the digital assets. The digital assets are stored so that they can be used with one or more exchanges adapted for conversion of the digital assets into the transaction currency. A balance in the transaction currency is established for use by a payment device. Rules are established for maintaining the transaction currency balance. When required by the rules for maintaining the transaction currency balance, digital assets are converted into the transaction currency at the one or more exchanges for maintaining the transaction currency balance in the transaction currency for use by the payment device. A suitable service is also described.

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
  • 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

44.

METHOD AND SYSTEM FOR DISTRIBUTED CRYPTOGRAPHIC KEY PROVISIONING AND STORAGE VIA ELLIPTIC CURVE CRYPTOGRAPHY

      
Document Number 03009338
Status In Force
Filing Date 2017-01-06
Open to Public Date 2017-07-27
Grant Date 2020-10-27
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Davis, Steven Charles

Abstract

A method for distributing multiple cryptographic keys used to access data includes: receiving a data signal superimposed with an access key request, wherein the access key request includes at least a number, n, greater than 1, of requested keys; generating n key pairs using a key pair generation algorithm, wherein each key pair includes a private key and a public key; deriving an access private key by applying the private key included in each of the n key pairs to a key derivation algorithm; generating an access public key corresponding to the derived access private key using the key pair generation algorithm; and electronically transmitting a data signal superimposed with a private key included in one of the n key pairs for each of the n key pairs.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • H04L 9/08 - Key distribution

45.

GENERATING AND SENDING ENCRYPTED PAYMENT DATA MESSAGES BETWEEN COMPUTING DEVICES TO EFFECT A TRANSFER OF FUNDS

      
Document Number 03011012
Status Pending
Filing Date 2017-01-11
Open to Public Date 2017-07-20
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Fourez, Pablo
  • Miller, Matthew James

Abstract

Encrypted payment data messages are sent via a communication network. A payment data message is generated including a primary account number of the account associated with the sender device and a transaction amount. The payment data message is encrypted with a public key of the receiver device. The payment data message is transmitted to the receiving server via the communication network. The receiving server has a private key of the receiver device corresponding to the public key and a receiving account number for the account associated with the receiver device. A payment authorization is generated by the receiving server for processing by the transaction card payment network based on the primary account number of the account associated with the sender device, the transaction amount, and the receiving account number.

IPC Classes  ?

  • 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
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

46.

ACCESS CONTROL BYPASS ON MOBILE FOR MASS TRANSIT

      
Document Number 03011426
Status Pending
Filing Date 2016-12-16
Open to Public Date 2017-07-20
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Maddocks, Ian David Alan
  • Phillips, Simon
  • Anderson, James John
  • Garrnet, Duncan

Abstract

A method of operating a payment-enabled mobile device includes detecting, by the mobile device, that the mobile device is in proximity to a non-retail contactless transaction terminal. The method further includes permitting operation of an application program in the mobile device. The permitting of operation of the application program is in response to the detected proximity of the non-retail contactless transaction terminal. The operation of the application program is to engage in a transaction with the non-retail contactless transaction terminal while bypassing a user verification feature of the application program.

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

47.

AUTHENTICATING PAYMENT CREDENTIALS IN CLOSED LOOP TRANSACTION PROCESSING

      
Document Number 03010798
Status Pending
Filing Date 2017-01-06
Open to Public Date 2017-07-13
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Antunovic, Alexander
  • Botes, Charl Frederik

Abstract

Presentation of an open-loop smart chip-based payment device is obtained at a terminal-reader assembly in a closed-loop transit environment. Verification of cryptographic credentials associated with the open-loop smart chip- based payment device is carried out at a transit payment network interface processor within the closed-loop transit environment. A financial check of an account associated with the open-loop smart chip-based payment device is performed. Responsive to determining that the verification and financial check are successful, access to the transit environment is granted to a holder of the open-loop smart chip- based payment 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

48.

METHOD FOR DETERMINING IF A CURRENT WALLET-BASED TRANSACTION INITIATED BY A DIGITAL WALLET USER IS FRAUDULENT

      
Document Number 03009336
Status Pending
Filing Date 2016-12-19
Open to Public Date 2017-07-06
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Gupta, Sheetanshu
  • Sharan, Ashutosh
  • Prakash, Mayank

Abstract

A computer-implemented method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent, the method comprising; receiving current wallet-based transaction data relating to the current wallet-based transaction, the current wallet-based transaction data identifying a digital wallet account to be used by the digital wallet user; identifying one or more profile characteristics relating to a digital wallet owner based on the current wallet-based transaction data, the digital wallet owner being an owner of the identified digital wallet account; retrieving historical payment card transaction data based on the identified one or more profile characteristics, the historical payment card transaction data relating to a plurality of historical payment card transactions for a plurality of payment card owners satisfying all of the identified one or more profile characteristics and indicating a prediction of a purchasing behaviour of the digital wallet owner; and comparing the current wallet-based transaction data and the historical payment transaction data to determine if the current wallet-based transaction is fraudulent.

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 20/24 - Credit schemes, i.e. "pay after"

49.

METHOD AND SYSTEM FOR BLOCKCHAIN VARIANT USING DIGITAL SIGNATURES

      
Document Number 03009326
Status In Force
Filing Date 2016-12-14
Open to Public Date 2017-06-29
Grant Date 2020-10-06
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor King, David J.

Abstract

A method for using digital signatures for signing blockchain transactions includes: generating a domain key pair comprising a domain private key and a domain public key, wherein the domain public key is signed after generation; receiving a plurality of member public keys, wherein each member public key is received from an associated member of a blockchain network and is a public key in a key pair comprising the member public key and a member private key corresponding to the associated member; signing each member public key using the domain private key; receiving a transaction block from a specific member of the blockchain network, wherein the transaction block includes a plurality of blockchain transaction values and a hash signed using the member private key corresponding to the specific member; signing the received transaction block using the domain private key; and transmitting the signed transaction 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

50.

SYSTEMS AND METHODS FOR UTILIZING VEHICLE CONNECTIVITY IN ASSOCIATION WITH PAYMENT TRANSACTIONS

      
Document Number 03007086
Status Pending
Filing Date 2016-12-07
Open to Public Date 2017-06-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Cheng, Richard
  • Friedman, Michael J.
  • Lee, Charles Sangwon
  • Lopes, Vitorino Jose Pereira

Abstract

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response: to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method, also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

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

51.

DYNAMIC SECURITY CODE AUTHORIZATION VERIFICATION SERVICE

      
Document Number 03007949
Status Pending
Filing Date 2016-12-06
Open to Public Date 2017-06-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Warner, Maribeth Sevigny
  • Kaulbach, Pete
  • Dunnell, Robert C.
  • Mcdonald, Robert J.
  • Donnelly, Kathleen
  • Roewe, Thomas
  • Jabr, Ghassan T.
  • Hochhalter, Michael
  • Ball, Russell W.
  • House, Winifred Elizabeth
  • Rao, Prasad Krishnamoorthy
  • Hanmer, Matthew
  • Kryza, Nora

Abstract

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

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/34 - 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

52.

DELEGATION OF TRANSACTIONS

      
Document Number 03008129
Status Pending
Filing Date 2016-12-08
Open to Public Date 2017-06-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Maddocks, Ian
  • Roberts, David

Abstract

A method of performing a transaction with a payment credential where the transaction is approved by a delegated user is described. A user and an issuer of a payment credential between them establish permitted use and an authentication option for a delegated user. The delegated user uses the payment credential to perform the transaction. Both the transaction and the authentication option used by the delegated user are provided to the issuer. The issuer then will allow the transaction if the transaction falls within the permitted use and the authentication option is valid for the delegated user. Suitable computing devices and service offerings are also described.

IPC Classes  ?

  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • H04W 12/06 - Authentication
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

53.

USER AUTHENTICATION FOR TRANSACTIONS

      
Document Number 03008130
Status Pending
Filing Date 2016-12-08
Open to Public Date 2017-06-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Maddocks, Ian
  • Roberts, David

Abstract

A method of authentication of a user at a computing device (1) is provided suitable for a transaction or for use of a remote service. A plurality of authentication options is provided to the user at the computing device (1). On selection of an authentication option by the user, an authentication protocol is performed for the selected authentication option. On successful performance of the authentication protocol, the computing device communicates with the remote service to provide a confirmation of successful authentication for the remote service with an identification of which of the plurality of authentication options was selected by the user. This approach can be used to enable transactions by a delegated user, and in fraud detection and prevention. Suitable computing devices and service offerings are also described.

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • H04W 12/06 - Authentication
  • 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
  • G06F 21/70 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer

54.

SYSTEMS AND METHODS FOR GENERATING RECOMMENDATIONS USING A CORPUS OF DATA

      
Document Number 03008140
Status Pending
Filing Date 2016-12-09
Open to Public Date 2017-06-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Merz, Christopher John
  • Lo Faro, Walter F.
  • Yang, Peng

Abstract

A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

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

55.

METHOD AND SYSTEM FOR VALIDATION OF A TOKEN REQUESTOR

      
Document Number 03007079
Status Pending
Filing Date 2016-11-15
Open to Public Date 2017-06-08
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Koletsky, Barry
  • Musil, Aimee
  • Liscia, Maurice David
  • Snyder, Keith E.
  • Lakka, Sowmya

Abstract

A method for enhanced validation of an entity associated with a COF token includes: storing at least transaction data, a token requester identifier (TRJD), and a COF token identifier; receiving payment credentials, wherein the payment credentials include at least a COF-specific payment token; generating a transaction message, wherein the transaction message is formatted based on one or more standards and includes at least a plurality of data elements including at least a first data element configured to store the COF-specific payment token, a second data element configured to store the COF token identifier, a third data element configured to store the TRID, and one or more additional data elements configured to store the transaction data; and electronically transmitting the generated transaction message to a financial institution via a payment network.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

56.

METHOD AND SYSTEM FOR GROSS SETTLEMENT BY USE OF AN OPAQUE BLOCKCHAIN

      
Document Number 03005185
Status In Force
Filing Date 2016-10-19
Open to Public Date 2017-06-01
Grant Date 2020-09-15
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Davis, Steven Charles

Abstract

A method for confirmation of an electronic transaction using a blockchain includes: receiving transaction data, the transaction data including a transaction amount and currency code; generating a transaction message formatted based on one or more standards including a first data element configured to store the transaction amount, a second data element configured to store the currency code, and a third data element configured to store an invoice identifier; transmitting the transaction message to a financial institution via a payment network; receiving a return message from the financial institution via the payment network formatted based on the one or more standards and including a data element configured to store the transaction amount, currency code, and invoice identifier; and generating a hash value based on application of hashing algorithms to the transaction amount, currency code, and invoice identifier stored in the data element included in the received return message.

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 20/38 - 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

57.

SYSTEMS AND METHODS FOR USE IN VERIFYING RECURRING TRANSACTIONS TO PAYMENT ACCOUNTS

      
Document Number 03005959
Status Pending
Filing Date 2016-11-22
Open to Public Date 2017-06-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Vienravee, Brian

Abstract

Systems and methods are provided for verifying recurring transactions to payment accounts. One exemplary method includes initially receiving an authorization request for a transaction to a payment account and involving a merchant, where the authorization request includes a recurring payment indicator. The method also generally includes transmitting, by at least one computing device, a verification request to a consumer associated with the payment account, and inhibiting, by the at least one computing device, at least one or authorization or clearing of the transaction until a verification of the transaction, based on a direction from the consumer, is recognized, whereby the consumer is able to verify the transaction before the transaction is cleared.

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 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

58.

PAYMENT DEVICE CONTROL

      
Document Number 03006447
Status Pending
Filing Date 2016-11-22
Open to Public Date 2017-06-01
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Vora, Neeraj A.
  • Kapoor, Ravi

Abstract

A method for restricting a payment device for use with a selectable set of merchants, the method comprising: receiving from an agent a request to restrict a payment device that has been enabled for restriction for use with a selectable set of merchants only; providing to the agent means to select a set of merchants to which use of the payment device is to be restricted; detecting a set of merchants selected by the agent; and restricting the payment device for use with the set of merchants selected by the agent.

IPC Classes  ?

  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
  • G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
  • 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 20/36 - 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

59.

METHOD AND SYSTEM FOR VALIDATION OF HASHED DATA VIA ACCEPTANCE FRAMES

      
Document Number 03004520
Status Pending
Filing Date 2016-11-02
Open to Public Date 2017-05-18
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Davis, Steven C.

Abstract

A method for validating receipt of hashed data includes: storing an acceptance frame and at least one hashing algorithm; receiving a data value; hashing the received data value using the at least one hashing algorithm to obtain a first hashed package; hashing the received data value and the acceptance frame using the at least one hashing algorithm to obtain a second hashed package; electronically transmitting the first hashed package to a computing device; receiving a received hashed package from the computing device; and validating the received hashed package as being created using the received data value and acceptance frame via comparison of the received hashed package to the second hashed package.

IPC Classes  ?

  • H04L 29/06 - Communication control; Communication processing characterised by a protocol
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

60.

SYSTEMS AND METHODS FOR PROCESSING LOYALTY REWARDS

      
Document Number 03004744
Status Pending
Filing Date 2016-11-04
Open to Public Date 2017-05-18
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Kedzlie, Iain
  • Chauhan, Rohit

Abstract

Systems and methods are provided for use in processing loyalty rewards. One exemplary method includes receiving a message associated with a transaction to a payment account where the message includes a primary account number (PAN) for the payment account, a merchant identifier for a merchant involved in the transaction, and at least one purchase parameter. The method also includes identifying, in a data structure, a loyalty account associated with both the merchant identifier and the payment account, and causing a loyalty account value associated with the loyalty account to be updated based on the at least one purchase parameter, whereby the loyalty account is updated by use of the payment account without a consumer associated with the payment account and/or the transaction separately presenting an indicator of the loyalty account to the merchant.

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

61.

METHODS AND SYSTEMS FOR DISPENSING PHYSICAL CURRENCY

      
Document Number 03003727
Status Pending
Filing Date 2016-10-26
Open to Public Date 2017-05-11
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Sharan, Ashutosh

Abstract

An automatic method and computerized network is provided to provide physical currency to an individual who desires it. The individual submits a request for physical currency, and is automatically provided with sufficient information to meet a currency-provider (an individual or a company) who is willing to provide the physical currency to the individual in exchange for a payment being made to a payment account associated with the currency-provider. In this way, the individual is able to obtain physical currency even in the absence of an ATM. Accordingly, the need for financial institutions to provide ATMs is reduced, and the costs associated with providing ATMs can be saved.

IPC Classes  ?

  • G06Q 10/02 - Reservations, e.g. for tickets, services or events
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

62.

COMPUTER-IMPLEMENTED METHODS AND SYSTEMS FOR IDENTIFYING PRODUCTS PURCHASED BY INDIVIDUAL CUSTOMERS AT DIFFERENT MERCHANTS

      
Document Number 03004420
Status Pending
Filing Date 2016-11-02
Open to Public Date 2017-05-11
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Modi, Rohit
  • Gupta, Ashutosh Kumar
  • Prakash, Mayank

Abstract

A computer-implemented method is described for identifying products purchased by individual customers at different merchants. The method comprises: receiving product purchase information from two or more merchants in a pre-defined merchant group; receiving transaction data for a plurality of customers in a pre-defined customer group; comparing details of the product purchase information with details of the transaction data to identify the product purchases associated with individual transactions and storing the association in a database; and extracting information from the database for an individual customer or for each customer in the pre-defined customer group to determine the products the customer(s) purchased from each merchant.

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

63.

METHOD AND SYSTEM FOR USE OF A BLOCKCHAIN IN A TRANSACTION PROCESSING NETWORK

      
Document Number 03004423
Status In Force
Filing Date 2016-11-02
Open to Public Date 2017-05-11
Grant Date 2020-07-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Kennedy, Dennis M.

Abstract

A method for validating electronic transactions using a private blockchain includes: storing a blockchain, wherein the blockchain is a distributed database that includes a plurality of data records, each being associated with a processed transaction; receiving a transaction message, the transaction message including a message type indicator and a plurality of data elements, each configured to store a transaction data value; generating a data record, the data record including the message type indicator and one or more transaction data values; updating the blockchain to include the generated data record; electronically transmitting the received transaction message to a payment network for processing; and electronically transmitting the updated blockchain to a plurality of transaction processing devices for validation.

IPC Classes  ?

  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme

64.

METHOD AND SYSTEM FOR PROCESSING OF A BLOCKCHAIN TRANSACTION IN A TRANSACTION PROCESSING NETWORK

      
Document Number 03004424
Status In Force
Filing Date 2016-11-02
Open to Public Date 2017-05-11
Grant Date 2020-08-18
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Kennedy, Dennis M.

Abstract

A method for validating blockchain transactions using a transaction processing network includes: storing one or more authentication rules configured to authenticate an electronic transaction and one or more verification rules configured to verity a blockchain transaction; receiving a transaction message including a message type indicator and a plurality of data elements including at least first data elements configured to store blockchain data and additional data elements configured to store transaction data values; identifying an authentication score based on application of at least one or more authentication rules to the transaction data values; identifying a verification score based on application of one or more verification rules to the blockchain data; generating a data message, the data message including the blockchain data stored in the first data elements, the identified authentication score, and the identified verification score; and electronically transmitting the generated data message to a blockchain network.

IPC Classes  ?

  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme

65.

SYSTEMS AND METHODS FOR UPDATING STORED CARDHOLDER ACCOUNT DATA

      
Document Number 03003582
Status Pending
Filing Date 2016-10-26
Open to Public Date 2017-05-04
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Rosano, Sharon A.

Abstract

A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory, The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.

IPC Classes  ?

  • G06Q 10/00 - Administration; Management
  • 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 20/00 - Payment architectures, schemes or protocols

66.

NUTRITION INTAKE TRACKER

      
Document Number 03001902
Status Pending
Filing Date 2016-09-30
Open to Public Date 2017-04-20
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bhattacharjee, Manash
  • Ghosh, Debashis
  • Shuken, Randy
  • Bodo, Loralee J.
  • Feldman, Jason Alex

Abstract

A nutritional intake tracker computing device ("intake tracker") is provided. The intake tracker is configured to receive user health data and at least one user health goal from a user computing device, and receive a request for an intake recommendation from the user computing device. The request includes a location identifier of a location of the user computing device. The intake tracker is configured to retrieve available intake options based on the location of the user computing device, wherein each of the available intake options includes corresponding nutritional information. The intake tracker is further configured to process the available intake options, the user health data, the at least one user health goal, and the corresponding nutritional information to generate a recommendation of at least one recommended intake option, and transmit the recommendation to the user computing device for display.

IPC Classes  ?

  • G06Q 10/00 - Administration; Management
  • G06F 19/00 - Digital computing or data processing equipment or methods, specially adapted for specific applications (specially adapted for specific functions G06F 17/00;data processing systems or methods specially adapted for administrative, commercial, financial, managerial, supervisory or forecasting purposes G06Q;healthcare informatics G16H)
  • G09B 19/00 - Teaching not covered by other main groups of this subclass

67.

SYSTEMS AND METHODS FOR DETERMINING CURRENTLY AVAILABLE CAPACITY FOR A SERVICE PROVIDER

      
Document Number 03001999
Status Pending
Filing Date 2016-09-30
Open to Public Date 2017-04-20
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bhattacharjee, Manash
  • Ghosh, Debashis
  • Shuken, Randy

Abstract

A computer-based method for reporting capacity for a merchant is provided. The method is implemented using a capacity monitoring (CM) computing device, and includes receiving merchant data for a merchant via a merchant computing device and payment transaction data for a transaction performed at the merchant via a point-of-sale (POS) computing device, wherein merchant data includes an average consumer count and a total occupancy count. The method also includes calculating a peak transaction count for the merchant for a predetermined time period and a current transaction count corresponding to a current transaction time included within the predetermined time period. The method also includes determining a capacity count for the predetermined time period based on the peak transaction count, the current transaction count, and average consumer count, and transmitting the capacity count to a consumer computing device, wherein the capacity count indicates a remaining consumer capacity for the merchant.

IPC Classes  ?

  • G06Q 10/02 - Reservations, e.g. for tickets, services or events
  • 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

68.

ADAPTABLE MESSAGING

      
Document Number 03002003
Status Pending
Filing Date 2016-10-05
Open to Public Date 2017-04-20
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Smets, Patrik
  • Main, Jonathan James
  • Collinge, Mehdi

Abstract

Systems, methods and apparatus for operating a device to complete a transaction are provided which include receiving a request to initiate a transaction with a merchant, transmitting a payment transaction initiation message to a merchant server associated with the merchant, receiving a request message from the merchant server for remote payment data, the request message including information identifying whether the merchant server supports a selected one of a first data format and an alternative data format, and providing the remote payment data to the merchant server in the selected data format for use by the merchant server to initiate authorization processing of the 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 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 IDENTIFICATION OF CREDENTIALS STORED IN A COMPUTING DEVICE

      
Document Number 03000838
Status Pending
Filing Date 2016-09-23
Open to Public Date 2017-04-13
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Dhala, Amyn
  • Cateland, Axel Emile Jean Charles
  • Byrd, Nathaniel
  • Kitchen, Eric

Abstract

A method for identifying payment credentials using a proxy electronic wallet comprises storing an account profile for a proxy electronic wallet that includes payment credentials for one or more payment accounts and account and/or payment credentials payment accounts associated with one or more paired electronic wallets. An account request is received from a digital entity that indicates the account profile, payment account identifiers are transmitted to a user computing device, a selection of a payment account is received from the user computing device, and a corresponding set of credentials in the account profile are identified. The credentials are then transmitted, where payment credentials are transmitted for use in a transaction, and account credentials are transmilted to an entity associated with the paired electronic wallet for use in identifying and providing corresponding payment credentials.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - 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

70.

SECURE FILE TRANSFER WITH SECURE SSH KEY AUTHENTICATION

      
Document Number 03000225
Status In Force
Filing Date 2016-09-23
Open to Public Date 2017-04-06
Grant Date 2020-11-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Forguson, Douglas Paul
  • Rathore, Sachin Kumar
  • Survi, Uday Kumar
  • Delles, Steven

Abstract

An application having an application architecture including an application programming interface (API) client capable of automatically retrieving a passphrase from a secure passphrase vault based on a user authentication ID used to access the application is provided. The passphrase is used to access a secure file transfer protocol (SFTP) authentication key via an API server communicatively connected to the API client. The SFTP authentication key is used to authenticate an SFTP file transfer request from the application to an intended file recipient.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

71.

METHODS AND SYSTEMS FOR PRODUCT IDENTIFICATION AND COMPUTER ROUTING SERVICES

      
Document Number 02999752
Status In Force
Filing Date 2016-09-14
Open to Public Date 2017-03-30
Grant Date 2020-10-27
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Dix, Simon R.

Abstract

A method and system for managing payment card transaction instructions at a point of interaction (POI) device. The method includes storing one or more payment card transaction instructions received from an entity responsible for a plurality of payment cards usable with the POI device wherein the payment card transaction instructions are associated with at least one of a brand and a product of the entity. The method further includes receiving, from a merchant, a payment card identifier before or during a payment card transaction, the payment card identifier including a plurality of fields. The method also includes communicating to the central store at least a portion of one or more of the plurality of fields and transmitting the one or more payment card transaction instructions to the POI device, from the central store, that correspond to the one or more payment card transaction instructions associated with the payment card identifier.

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

72.

METHOD AND SYSTEM FOR FRAUD DETECTION USING A MOBILE COMMUNICATION DEVICE

      
Document Number 02999754
Status Pending
Filing Date 2016-09-14
Open to Public Date 2017-03-30
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sidhu, Navjot
  • Hively, Corey
  • Dhala, Amyn

Abstract

A method for determining a confidence level for provisioning of a token to a mobile device includes: storing device fingerprint data associated with a mobile device; receiving location data, the data including geographic locations of the mobile device; receiving a confidence level request, the request including a supplied device fingerprint and current location of the mobile device; identifying an area of validity for the mobile device based on the geographic locations; identifying an area of validity for the transaction account based on a location associated with each of a plurality of transactions involving the account; identifying a confidence level based on a correspondence between the supplied device fingerprint and the stored device fingerprint data, the current location and the area of validity for the mobile device, and the current location and the area of validity for the transaction account; and transmitting the confidence level for the confidence level request.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06F 21/31 - User authentication
  • H04M 11/00 - Telephonic communication systems specially adapted for combination with other electrical systems

73.

METHOD AND SYSTEM FOR MANAGING AUTHENTICATION SERVICES CUSTOMER DATA

      
Document Number 02999236
Status Pending
Filing Date 2016-09-14
Open to Public Date 2017-03-23
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Baker, Paul Stephen
  • Ederle, Robert Albert
  • Artman, John
  • Dickinson, Stephanie
  • Gilbert, Craig
  • Gieselman, Karen Jeanne
  • Piel, Brian John

Abstract

Methods, media, and systems directed to a platform for receiving, from at least one external user of an authentication system, a record including customer information for the external user and associated with at least an enrollment of the at least one external user to the authentication system; receiving, by a computer interfaced with an authentication database storing historical external user customer information, the record including the customer information for the external user; validating the record including customer information for the external user and the historical external user customer information; and storing an indication of the validated record.

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
  • G06F 16/20 - Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data

74.

ISOLATING APPLICATIONS WITH A SEGMENTED ARCHITECTURE

      
Document Number 02998151
Status Pending
Filing Date 2016-09-14
Open to Public Date 2017-03-23
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Forguson, Douglas Paul
  • Zhou, Weihua
  • Survi, Uday Kumar

Abstract

An operationally monolithic application is provided, where the application resides in a first program address space of an application server. The application calls to an application component residing in a second program address space of the application server, the application component being built upon a framework of the operationally monolithic application. The operationally monolithic application loads at least a first library upon which it depends to invoke a first method, and the application component loads at least a second library upon which it depends to invoke a second method. The first and second libraries can co-exist on the application server despite being different versions of the same libraries.

IPC Classes  ?

  • G06F 9/44 - Arrangements for executing specific programs
  • G06F 9/445 - Program loading or initiating

75.

VERIFICATION FOR PAYMENT TRANSACTIONS

      
Document Number 02999127
Status In Force
Filing Date 2016-09-15
Open to Public Date 2017-03-23
Grant Date 2020-07-07
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Collinge, Mehdi
  • Smets, Patrik

Abstract

A method is described for providing user authentication and user consent for a transaction made with a payment device. A user authentication step is taken to verify that a user is entitled to use the payment device, and a user consent step is taken to verify that the user consents to the transaction. The user authentication step is discrete from the user consent step. A payment device adapted to perform this method is also described.

IPC Classes  ?

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

76.

METHOD AND SYSTEM FOR ENHANCED VALIDATION OF CRYPTOGRAMS IN CLOUD-BASED SYSTEMS

      
Document Number 02996504
Status In Force
Filing Date 2016-08-15
Open to Public Date 2017-03-16
Grant Date 2020-06-30
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Collinge, Mehdi
  • Ward, Michael Christopher
  • Jansen, Sandra

Abstract

A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.

IPC Classes  ?

  • 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
  • G06F 21/31 - User authentication

77.

METHOD OF COMPILING CITY GUIDE DATABASE USING PAYMENT SYSTEM DATA

      
Document Number 02997292
Status Pending
Filing Date 2016-06-08
Open to Public Date 2017-03-09
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Elangovan, Arun
  • Pandey, Anshul

Abstract

A method includes receiving transaction data from a payment network. The transaction data may represent payment account transactions. A subset of the transaction data may be associated with a district in an urban area. A summary characteristic of the district may be generated on the basis of the subset of transaction data associated with the district. The district may be represented by a color or a shade on a map. The map may be transmitted to a user's mobile 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 50/10 - Services

78.

CARD CONTINUITY SYSTEM AND METHOD

      
Document Number 02995950
Status Pending
Filing Date 2016-08-17
Open to Public Date 2017-02-23
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Howe, Justin
  • Lowenberg, Todd
  • Reiskind, Andrew
  • Shuken, Randy
  • Villars, Curtis

Abstract

A system, method, and computer-readable storage medium configured to maintain account continuity when payment account numbers change.

IPC Classes  ?

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

79.

SYSTEMS AND METHODS FOR MONITORING AUTHENTICATION OF TRANSACTIONS TO PAYMENT NETWORKS

      
Document Number 02995452
Status In Force
Filing Date 2016-07-22
Open to Public Date 2017-02-16
Grant Date 2020-06-30
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Hey, Mark B.
  • Mallepally, Anand
  • Baker, Paul

Abstract

Systems and methods for use in monitoring authentication messaging associated with payment account transactions are disclosed. One exemplary method includes monitoring authentication messaging from a merchant plug-in (MPI) associated with at least one merchant. The authentication messaging is related to one or more consumers attempting transactions to payment accounts at the at least one merchant. The exemplary method further includes, for each authentication message received from the MPI, transmitting the authentication message to an access control server (ACS) when an issuer associated with the payment account at issue is a participant in an authentication service, monitoring, by the computing device, response messaging from the ACS, each response message associated with a transaction and generated in response to an authentication messages from the MPI, and generating, by the computing device, at least one flag, when a condition associated with the authentication messages and/or the response messages is abnormal.

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

80.

METHOD AND SYSTEM FOR NEXT GENERATION FLEET NETWORK

      
Document Number 02993933
Status In Force
Filing Date 2016-06-17
Open to Public Date 2017-02-02
Grant Date 2020-06-30
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Aquilina, Mark
  • Klein, Aviva
  • Buckland, Alan

Abstract

A method for processing a fleet card transaction includes: storing, in a merchant file database, a plurality of merchant profiles, wherein each merchant profile includes at least a merchant identifier and at least one loop type identifier; receiving, by a receiving device and from a merchant device, an authorization request for a payment transaction, wherein the authorization request includes transaction data including at least a merchant identifier and a payment card identifier; identifying, by a processing device, the loop type identifier associated with the received transaction data; determining, by the processing device, whether to route the authorization request to one of a closed loop network and an open loop network based upon the loop type identifier associated with the received transaction data; and transmitting, by a transmitting device, the authorization request to a third party entity associated with either the closed loop network or the open loop network.

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 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/22 - Payment schemes or models
  • 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

81.

SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS TO PAYMENT ACCOUNTS

      
Document Number 02993234
Status Pending
Filing Date 2016-06-08
Open to Public Date 2017-01-26
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Unser, Kenneth
  • Lee, Edward

Abstract

Systems and methods are provided for processing transactions to payment accounts to add funds to the payment accounts. One exemplary method generally includes receiving, at a computing device, a transaction request for a transaction to a payment account where the transaction request includes a deposit identifier associated with the payment account but does not include a primary account number (PAN) for the payment account. The method also generally includes processing the transaction request to add funds to the payment account when the transaction includes a direction to add such funds to the payment account, and declining the transaction request when the transaction request includes a request to debit funds from the payment account.

IPC Classes  ?

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

82.

ANALYTICS RULES ENGINE FOR PAYMENT PROCESSING SYSTEM

      
Document Number 02992445
Status Pending
Filing Date 2016-07-13
Open to Public Date 2017-01-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Saunders, Greg
  • Gerber, Theunis Johannes
  • Wiesman, Mark

Abstract

According to some embodiments, a payment system authorization platform may receive an authorization message from an acquirer platform. The payment system authorization platform may determine that the authorization request meets a pre-determined condition and transmit information about the authorization message to an analytics rules engine, such as by transmitting the authorization message. The analytics rules engine may analyze the information about the authorization message in accordance with at least one rule to generate a result and transmit information about the authorization message to the payment system authorization platform, such as by transmitting a supplemented authorization message or an authorization approval decision, including an indication that the authorization message is assigned to a segmentation dimension category.

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

83.

A SYSTEM AND METHOD OF MANAGING DATA INJECTION INTO AN EXECUTING DATA PROCESSING SYSTEM

      
Document Number 02992444
Status Pending
Filing Date 2016-07-13
Open to Public Date 2017-01-19
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Knoblauch, Bradley John

Abstract

A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing system during runtime, determining at least one data element associated with the indication of data or instructions, generating metadata based on at least one of the indication and the determined at least one data element, and periodically executing a job, the job reads the metadata and modifies a workflow of the processing system based on the metadata.

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

84.

METHOD AND SYSTEM FOR FRAUD CONTROL BASED ON GEOLOCATION

      
Document Number 02988924
Status In Force
Filing Date 2016-05-25
Open to Public Date 2017-01-05
Grant Date 2020-06-16
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Dhala, Amyn
  • Peyton, Kimberly Lewis
  • Mattingly, Timothy
  • Delperdange, Alain
  • Steenbeek, Dominique
  • Coburn, Gregory
  • Rassbach, Susan
  • Savoye, Mark N.
  • Dessy, Benjamin
  • Randell, Karen
  • Dickinson, Bradley
  • Sidhu, Navjot
  • Hively, Corey

Abstract

A method for fraud control of a transaction account based on geolocation includes: storing, in an account database, an account profile including data related to a transaction account including a first profile rule associated with a first geographic area and a second profile rule associated with a second geographic area different from the first; receiving an authorization request for a first transaction involving a first payment card, the request including a first geographic location; receiving an authorization request for a second transaction involving a second payment card, the request including a second geographic location; determining validation for each authorization request, wherein each is determined to be valid if the geographic location is in a geographic area corresponding to the first geographic area or the second geographic area; and transmitting the determination of validation for each authorization request to a payment network for processing of the associated payment transaction.

IPC Classes  ?

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

85.

METHOD AND SYSTEM FOR POST AUTHORIZATION PAYMENT OF TRANSACTIONS USING LOYALTY POINTS

      
Document Number 02988910
Status In Force
Filing Date 2016-05-18
Open to Public Date 2016-12-29
Grant Date 2020-06-16
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Good, William J.
  • Clark, Kyle P.

Abstract

A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/24 - Credit schemes, i.e. "pay after"

86.

SYSTEM AND METHODS FOR PROVIDING GRATUITY BASED ON LOCATION

      
Document Number 02988920
Status Pending
Filing Date 2016-05-25
Open to Public Date 2016-12-29
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Sabet, Mostafa H.
  • Miller, Matthew J.

Abstract

A system, method, and computer-readable storage medium configured to facilitate gratuities to individuals and employees of establishments based on location.

IPC Classes  ?

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

87.

METHOD AND SYSTEM FOR DYNAMIC LINKING OF OFFERS TO TRANSACTION ACCOUNTS

      
Document Number 02988907
Status In Force
Filing Date 2016-05-18
Open to Public Date 2016-12-22
Grant Date 2019-08-06
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Celorio-Martinez, Jose-Luis
  • Narayanan, Sheila

Abstract

A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.

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

88.

METHOD AND SYSTEM FOR LINKAGE OF BLOCKCHAIN-BASED ASSETS TO FIAT CURRENCY ACCOUNTS

      
Document Number 02986563
Status Pending
Filing Date 2016-05-06
Open to Public Date 2016-11-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Davis, Steven Charles

Abstract

A method for managing fractional reserves of blockchain currency includes: storing, in a first central account, a fiat amount associated with a fiat currency; storing, in a second central account, a blockchain amount associated with a blockchain currency; storing a plurality of account profiles, each profile including a fiat currency amount, blockchain currency amount, account identifier, and address; receiving a transaction message associated with a payment transaction, the message being formatted based on one or more standards and including a plurality of data elements, including a data element reserved for private use including a specific address and a transaction amount; identifying a specific account profile that includes the specific address included in the data element in the received transaction message; and updating the blockchain currency amount included in the identified specific account profile based on the transaction amount included in the data element in the received transaction message.

IPC Classes  ?

89.

METHOD AND SYSTEM FOR PROCESSING BLOCKCHAIN-BASED TRANSACTIONS ON EXISTING PAYMENT NETWORKS

      
Document Number 02986570
Status In Force
Filing Date 2016-05-06
Open to Public Date 2016-11-24
Grant Date 2020-04-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor Davis, Steven Charles

Abstract

A method for authorizing a blockchain-based transaction includes: receiving a transaction request, the request including a network identifier associated with a blockchain network, a transaction amount, and one of: a public key and an address identifier; generating an address identifier using at least the public key included in the received transaction request and one or more hashing algorithms if the received transaction request does not include an address identifier; generating a transaction message, the message including a first data element configured to store a transaction amount and a second data element reserved for private use, and the first data element includes a zero value and the second data element includes at least (i) the network identifier or an encoded value based on the network identifier, (ii) the address identifier, and (iii) the transaction amount; and transmitting the transaction message to a financial institution using a payment network.

IPC Classes  ?

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

90.

METHOD AND SYSTEM FOR INTEGRATION OF MARKET EXCHANGE AND ISSUER PROCESSING FOR BLOCKCHAIN-BASED TRANSACTIONS

      
Document Number 02986561
Status Pending
Filing Date 2016-05-06
Open to Public Date 2016-11-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Davis, Steven Charles
  • Tetali, Ashish Raghavendra

Abstract

A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction 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 20/22 - Payment schemes or models
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

91.

METHOD AND SYSTEM FOR FRAUD CONTROL OF BLOCKCHAIN-BASED TRANSACTIONS

      
Document Number 02986569
Status Pending
Filing Date 2016-05-06
Open to Public Date 2016-11-24
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Davis, Steven Charles

Abstract

A method for Sinking blockchain transactions to privately verified identities includes: storing account profiles, each profile including data related to a transaction account including an account identifier and account data; receiving a transaction message, the message including a first data element configured to store a personal account number, a second data element configured to store a merchant identifier, and a third data element configured to store a blockchain network identifier; identifying a first account profile that includes the personal account number; identifying a second account profile that includes the merchant identifier; receiving a transaction notification, the notification indicating a transaction processed using a blockchain network associated with the blockchain network identifier and including a transaction identifier and an address identifier associated with the first or second account profile; and storing a linkage between the transaction identifier and the address identifier, the personal account number, and/or the merchant identifier.

IPC Classes  ?

  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 40/02 - Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

92.

SYSTEM AND METHODS FOR ENHANCED APPROVAL OF A PAYMENT TRANSACTION

      
Document Number 02985610
Status In Force
Filing Date 2016-04-27
Open to Public Date 2016-11-17
Grant Date 2020-03-31
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Wiesman, Mark B.
  • Gerber, Johan
  • Merz, Christopher John
  • Van Horn, Douglas

Abstract

A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.

IPC Classes  ?

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

93.

METHOD AND SYSTEM FOR PARTIAL APPROVAL OF VIRTUAL CARD TRANSACTIONS

      
Document Number 02985742
Status Pending
Filing Date 2016-05-06
Open to Public Date 2016-11-17
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Flood, Eoin

Abstract

A method and system for enabling partial payment by a controlled card, wherein the method includes: storing, in a database, a plurality of account profiles, wherein each account profile includes at least a controlled card account identifier and data related to at least one control associated with the controlled card account identifier; receiving an authorization request for a payment transaction via a payment network, wherein the authorization request includes at least a single controlled card account identifier associated with one of the plurality of controlled card account profiles and transaction data; generating at least one recommended approval value based upon the at least one control associated with the single controlled card account identifier; updating the authorization request to include information in one or more data fields that corresponds with the at least one recommended approval value; and transmitting the updated authorization request.

IPC Classes  ?

  • G06Q 20/22 - Payment schemes or models
  • 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

94.

SYSTEMS, METHODS, DEVICES, AND COMPUTER READABLE MEDIA FOR ENABLING DIRECT ELECTRONIC PAYMENT TRANSFERS

      
Document Number 02985066
Status Pending
Filing Date 2016-05-03
Open to Public Date 2016-11-10
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Bortolotto, Paolo
  • Libus, Anna
  • Mcguire, John

Abstract

Systems, methods, devices, and computer readable media for enabling direct electronic payment transfers are disclosed. Identification information of a payer, based on a user selection at a mobile device, is received from a first application installed on the mobile device. A user identification of a payment amount is received via a second application installed on the mobile device. The second application is different from the first application. Biometric data of the user is captured at a biometrics reader of the mobile device, and then compared to authorized biometric data to authenticate the user. Upon successful authentication of the user, a request for the electronic payment transfer from the payer to the user for the payment amount is initiated from the mobile device.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
  • G07D 9/00 - Counting coins; Handling of coins not provided for in the other groups of this subclass

95.

METHOD AND SYSTEM FOR DETERMINING AND DISSEMINATING STANDARDIZED AGGREGATED MEASUREMENTS OF ACTIVITY

      
Document Number 02984302
Status Pending
Filing Date 2016-04-22
Open to Public Date 2016-11-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor Villars, Curtis

Abstract

A method for generating indices of activity for geographic areas includes: receiving a plurality of activity values, each associated with an entity and geographic location; identifying a geographic grid, the grid including a plurality of geographic areas area of equal size and including zero or at least two geographic locations associated with an activity value; calculating a weight value for each geographic area, the weight value being based on at least (i) a first weight factor applied to each activity value in the respective geographic area and (ii) a second weight factor applied to each activity value associated with a geographic location in an adjacent geographic area; calculating an index value for each geographic area, the index value being based on the calculated weight value and an average weight value for each geographic area; and transmitting at least the calculated index value for one or more geographic areas.

IPC Classes  ?

  • G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
  • G06F 16/29 - Geographical information databases
  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination

96.

METHOD AND SYSTEM FOR POS ENABLED INSTALLMENTS WITH ELIGIBILITY CHECK REQUIREMENTS

      
Document Number 02984360
Status In Force
Filing Date 2016-04-29
Open to Public Date 2016-11-03
Grant Date 2020-07-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • George, Sagitha
  • Sudhakar, Vijila

Abstract

A method for processing a transaction with installment checks include: receiving a first transaction message from an acquiring institution, the first transaction message including a primary account number, an installment indicator, and transaction data; determining eligibility for payment via installment based on a comparison of the transaction data to eligibility rules associated with the primary account number; transmitting the first transaction message to a financial institution associated with the primary account number; receiving a second transaction message from the financial institution, the second transaction message including a response code indicative of approval and an eligibility indicator indicating eligibility for payment via installment; and transmitting the second transaction message to the acquiring institution for display to a consumer involved in the related payment transaction on a point of sale system.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

97.

PAYMENT HEADWEAR

      
Document Number 02984257
Status Pending
Filing Date 2016-04-28
Open to Public Date 2016-11-03
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Phillips, Simon
  • Johnson, Alan

Abstract

Headwear comprising an image capture device configured to capture a visual purchase identifier observable by a wearer of said headwear; and a processor connected to said image capture device and configured to, in response to receiving data from the image capture device, identify said visual purchase identifier and initiate payment for a purchase identified by the visual purchase identifier.

IPC Classes  ?

  • G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - 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
  • G02B 27/01 - Head-up displays

98.

VERIFICATION OF CONTACTLESS PAYMENT CARD FOR PROVISIONING OF PAYMENT CREDENTIALS TO MOBILE DEVICE

      
Document Number 02983386
Status In Force
Filing Date 2016-04-19
Open to Public Date 2016-10-27
Grant Date 2020-04-28
Owner MASTERCARD INTERNATIONAL INCORPORATED (Canada)
Inventor
  • Noe, James Christian
  • Tierney, John

Abstract

A communication channel is established between a mobile device and a remote payment support service computer. The mobile device exchanges data communications with a contactless IC (integrated circuit) payment device, and triggers the payment device to generate a cryptogram. The mobile device receives the cryptogram and transmits it to the remote payment support service computer. The mobile device receives provisioning of payment credentials from the remote payment support service computer.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

99.

METHOD AND SYSTEM FOR DYNAMIC DE-IDENTIFICATION OF DATA SETS

      
Document Number 02983412
Status Pending
Filing Date 2016-04-20
Open to Public Date 2016-10-27
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Lowenberg, Todd
  • Villars, Curtis
  • Reiskind, Andrew

Abstract

A method for combining disparate data sets using dynamic de-identifiers includes receiving a first data set from a first external entity, the data set including first data entries including attribute values, and wherein the first data set does not include any personally identifiable information, receiving a second data set from a second external entity, the data set including second data entries including attribute values, and wherein the second data set does not include any personally identifiable information, identifying a dynamic de-identifier (DDID) for each first data entry and second data entry; matching each second data entry to a first data entry based on a correspondence between the associated attribute values, identifying insights for at least one first data entry based on at least the attribute values included in the corresponding matched second data entry; and transmitting at least the identified insights to the first external entity.

IPC Classes  ?

  • G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
  • G06F 21/60 - Protecting data
  • G06Q 30/02 - Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination

100.

SYSTEMS AND METHODS FOR DETERMINING VALUATION DATA FOR A LOCATION OF INTEREST

      
Document Number 02982760
Status Pending
Filing Date 2016-04-13
Open to Public Date 2016-10-20
Owner MASTERCARD INTERNATIONAL INCORPORATED (USA)
Inventor
  • Ghosh, Debashis
  • Bhattacharjee, Manash
  • Shuken, Randy

Abstract

A computer-implemented method for providing valuation data for a location of interest (LOI) to a user is provided. The method includes receiving, by a real estate valuation computing device, a location request message generated at a mobile device associated with the user. The location request message includes image data and mobile device data. The method also includes mapping the LOI to a physical location based at least in part on the mobile device data, and determining valuation data for the LOI based on the physical location. The valuation data includes a real estate rating for the LOI. The method further includes generating a location response message that includes at least the valuation data and the physical location of the LOI, and transmitting the location response message to the mobile 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
  • H04W 4/02 - Services making use of location information
  • G06Q 50/16 - Real estate
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