公开(公告)号：US20240054473A1

公开(公告)日：2024-02-15

申请号：US17888346

申请日：2022-08-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Stephen Bongner ,  Rahul Churiwala ,  Kevin Dorfer ,  Shelby Archer ,  Lingxin Zhao

IPC: G06Q20/24 ,  H04L9/32 ,  G06Q40/02

CPC classification number: G06Q20/24 ,  H04L9/3239 ,  G06Q40/025

Abstract: Systems and methods are provided for use in providing users with options at points of interaction. One example method includes posting a record for an installment option to an immutable data structure, where the record includes a total amount, payment terms associated with multiple installments, a first hashed value associated with a first party, and an identifier of the first party. The method also includes receiving a request related to the record, where the request includes a secret and a second hashed value, and validating the request based on the secret and the first hashed value included in the immutable data structure. The method then includes, based on validation of the request, coordinating a fund transfer consistent with the request and updating the record included in the immutable data structure to include the second hashed value in association with the identifier of the first party.

公开(公告)号：US20200264766A1

公开(公告)日：2020-08-20

申请号：US16280743

申请日：2019-02-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Siddique Hameed ,  Ellen Christine Walz ,  Stephen Bongner ,  Sarala Buradagunta

IPC: G06F3/0484 ,  G06F3/0482 ,  H04L29/08

Abstract: Methods and a computer system for dynamically generating an embedded payment interface are described herein. The method includes obtaining rules that define a desired configuration of the embedded payment interface. The method also includes storing rules, storing a default interface template having a default configuration, and receiving an access message indicating that the webpage is accessed at a remote computing device, the access message including a plurality of data elements associated with the webpage and the access of the webpage by the remote computing device. The method also includes accessing the default interface template, generating customization commands that define an output configuration of the embedded payment interface by applying the rules to data elements, applying the customization commands to the default interface template to produce a payment interface having the output configuration corresponding to the desired configuration, and embedding the payment interface in the accessed webpage.

公开(公告)号：US11652495B2

公开(公告)日：2023-05-16

申请号：US17475183

申请日：2021-09-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Stephen Bongner ,  Arthur Tateishi ,  Adel Amodwala

IPC: H03M7/30 ,  G06F7/14

CPC classification number: H03M7/3084 ,  G06F7/14

Abstract: The disclosure relates to compressing strings by reducing the number of string characters that are stored. For example, a system may generate a first radix tree for a set of strings and a second radix tree for a reverse of each of the set of strings. The system may merge nodes of the first radix tree and/or second radix tree based on a tuning parameter. The system may identify, based on the first radix tree, beginning portions of at least two strings that match and identify, based on the second radix tree, ending portions of at least two strings that match. The system may use the matching beginning portions, the unique portions, and/or the matching ending portions to generate a pattern that matches the two or more strings. The system may store the two or more strings in association with the generated pattern without their matching beginning and/or ending portions.

公开(公告)号：US20210247893A9

公开(公告)日：2021-08-12

申请号：US16280743

申请日：2019-02-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Siddique Hameed ,  Ellen Christine Walz ,  Stephen Bongner ,  Sarala Buradagunta

IPC: G06F3/0484 ,  G06F3/0482 ,  H04L29/08

Abstract: Methods and a computer system for dynamically generating an embedded payment interface are described herein. The method includes obtaining rules that define a desired configuration of the embedded payment interface. The method also includes storing rules, storing a default interface template having a default configuration, and receiving an access message indicating that the webpage is accessed at a remote computing device, the access message including a plurality of data elements associated with the webpage and the access of the webpage by the remote computing device. The method also includes accessing the default interface template, generating customization commands that define an output configuration of the embedded payment interface by applying the rules to data elements, applying the customization commands to the default interface template to produce a payment interface having the output configuration corresponding to the desired configuration, and embedding the payment interface in the accessed webpage.

公开(公告)号：US11126340B2

公开(公告)日：2021-09-21

申请号：US16280743

申请日：2019-02-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Siddique Hameed ,  Ellen Christine Walz ,  Stephen Bongner ,  Sarala Buradagunta

IPC: G06F3/048 ,  G06F3/0484 ,  H04L29/08 ,  G06F3/0482

Abstract: Methods and a computer system for dynamically generating an embedded payment interface are described herein. The method includes obtaining rules that define a desired configuration of the embedded payment interface. The method also includes storing rules, storing a default interface template having a default configuration, and receiving an access message indicating that the webpage is accessed at a remote computing device, the access message including a plurality of data elements associated with the webpage and the access of the webpage by the remote computing device. The method also includes accessing the default interface template, generating customization commands that define an output configuration of the embedded payment interface by applying the rules to data elements, applying the customization commands to the default interface template to produce a payment interface having the output configuration corresponding to the desired configuration, and embedding the payment interface in the accessed webpage.

公开(公告)号：US20200058079A1

公开(公告)日：2020-02-20

申请号：US16103768

申请日：2018-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Adam Kenneth Hosp ,  Ted P. Sanders ,  Ellen Christine Walz ,  Andrew J. Smith ,  Stephen Bongner

IPC: G06Q40/00 ,  G06N99/00

Abstract: A simulation and optimization (SO) computing device is configured to receive a request for an intelligent budget, and retrieve historical data for purchase transactions initiated over a period of time. The SO computing device is also configured to assign each purchase transaction one budget class, generate a historical budget model based upon the purchase transactions and budget classes, the historical budget model representing historical spending behavior over the period of time, and execute future budget simulations based upon the historical budget model, each future budget simulation identifying a possible future spending behavior of the user. The SO computing device is further configured to generate intelligent budgets based upon the future budget simulations, wherein each intelligent budget is generated based upon a respective possible future spending behavior that satisfies at least one user-defined budget constraint, cause the intelligent budgets to be displayed, and receive a selection of a user-selected intelligent budget.