公开(公告)号：US10424007B2

公开(公告)日：2019-09-24

申请号：US15977660

申请日：2018-05-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Michael J. Friedman ,  Charles Sangwon Lee

IPC: G06Q30/06 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

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.

公开(公告)号：US12002056B2

公开(公告)日：2024-06-04

申请号：US17067273

申请日：2020-10-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Charles Sangwon Lee

IPC: G06Q20/40 ,  G06Q20/42 ,  H04L67/125

CPC classification number: G06Q20/4097 ,  G06Q20/40155 ,  G06Q20/42 ,  H04L67/125

Abstract: Systems and methods are provided for provisioning data based on network messaging. One exemplary method includes passing, by a network computing device, a message to an institution where the message includes an account identifier for an account of a user and data of a first party. The data of the first party includes a code associated with a category of the first party and/or an identifier of the first party. The method also includes detecting, by a computing device, the message based on inclusion of the account identifier in the message and retrieving a control for the user based on the account identifier. The method then includes identifying, by the computing device, data for the user to be shared with the first party based on the data of the first party satisfying the control and sharing the identified data with the first party apart from the network computing device.

公开(公告)号：US11991288B2

公开(公告)日：2024-05-21

申请号：US16850817

申请日：2020-04-16

Applicant: Mastercard International Incorporated

Inventor： Charles Sangwon Lee ,  Thomas Veraart

IPC: H04L9/32 ,  G06F9/451 ,  G10L17/22 ,  H04L9/40 ,  H04W12/033

CPC classification number: H04L9/3231 ,  G06F9/453 ,  G10L17/22 ,  H04L63/0861 ,  H04W12/033

Abstract: A method and a system are provided for secure authorization of credentials using a voice enabled device. The user device encodes encrypted authorization credentials into an inaudible soundwave and emits the soundwave via a speaker to the voice enabled device. The voice enabled device, while in a listening state, detects the inaudible soundwave via a microphone. The voice enabled device decodes the inaudible soundwave and transmits the cryptographically secured authorization information by the payment card system.

公开(公告)号：US20210110400A1

公开(公告)日：2021-04-15

申请号：US17067273

申请日：2020-10-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Charles Sangwon Lee

IPC: G06Q20/40 ,  G06Q20/42 ,  H04L29/08

Abstract: Systems and methods are provided for provisioning data based on network messaging. One exemplary method includes passing, by a network computing device, a message to an institution where the message includes an account identifier for an account of a user and data of a first party. The data of the first party includes a code associated with a category of the first party and/or an identifier of the first party. The method also includes detecting, by a computing device, the message based on inclusion of the account identifier in the message and retrieving a control for the user based on the account identifier. The method then includes identifying, by the computing device, data for the user to be shared with the first party based on the data of the first party satisfying the control and sharing the identified data with the first party apart from the network computing device.

公开(公告)号：US20170213215A1

公开(公告)日：2017-07-27

申请号：US15417164

申请日：2017-01-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Charles Sangwon Lee ,  Michael Jason Friedman ,  Sherri Gayle Haymond

IPC: G06Q20/40 ,  G06Q20/22

CPC classification number: G06Q20/405 ,  G06Q20/387

Abstract: Disclosed are exemplary embodiments of systems and methods for coordinating commerce associated with a premises. One exemplary method includes detecting a condition of a premises via a device at the premises; determining whether a product purchase is indicated based on the detected condition; and when a product purchase is indicated, initiating, by a commerce engine at the premises, a purchase transaction for a product associated with the product purchase determination, using a payment credential associated with a payment account and included in the commerce engine.