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    Systems and methods for use in implementing account controls
    11.
    发明授权
    Systems and methods for use in implementing account controls 有权

    公开(公告)号：US11257092B2

    公开(公告)日：2022-02-22

    申请号：US16842234

    申请日：2020-04-07

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Andrew Lambert ,  Jason Jay Lacoss-Arnold

    IPC: G06Q20/40 ,  G06Q40/06

    Abstract: Systems and methods are provided for use in implanting and/or modifying account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule is associated with a sleeping state of the user, and activating, by the computing device, the at least one account control rule when the current conditional state of the user is the same as the sleeping state associated with the at least one account control rule.

    Systems and methods for locating merchant terminals based on transaction data
    12.
    发明授权
    Systems and methods for locating merchant terminals based on transaction data 有权

    公开(公告)号：US10467706B2

    公开(公告)日：2019-11-05

    申请号：US14862704

    申请日：2015-09-23

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Jason Jay Lacoss-Arnold ,  Vincent A. Haulotte

    IPC: G06Q40/00 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/02 ,  H04W64/00

    Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to the identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.

    Systems and methods for correcting text-to-speech pronunciation
    14.
    发明授权
    Systems and methods for correcting text-to-speech pronunciation 有权

    公开(公告)号：US09972301B2

    公开(公告)日：2018-05-15

    申请号：US15296888

    申请日：2016-10-18

    Applicant: MasterCard International Incorporated

    Inventor： Jason Jay Lacoss-Arnold

    IPC: G10L13/00 ,  G10L13/08 ,  G06F3/0481 ,  G10L13/047

    CPC classification number: G10L13/08 ,  G06F3/0481 ,  G10L13/047 ,  G10L13/10

    Abstract: A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine pronunciation is audibly communicated to a user of the TTS computing device. The TTS computing device is also configured to receive a pronunciation correction of the machine pronunciation from the user via the user interface, and store the pronunciation correction in a TTS data source. The TTS computing device is further configured to assign the pronunciation correction provided by the user to a user profile that corresponds to the text data.

    Method and system for anonymous directed blockchain transaction
    15.
    发明授权
    Method and system for anonymous directed blockchain transaction 有权

    公开(公告)号：US12282915B2

    公开(公告)日：2025-04-22

    申请号：US18605150

    申请日：2024-03-14

    Applicant: Mastercard International Incorporated

    Inventor： Jason Jay Lacoss-Arnold ,  Stephen Higgins

    IPC: G06Q20/38 ,  G06Q20/02 ,  H04L9/08 ,  H04L9/40

    Abstract: A method for posting of anonymous directed transaction includes: storing a plurality of entity profiles, each including an entity identifier and a secret value; receiving a transaction request from a first entity, the request including transaction data and a specific entity identifier associated with a second entity; identifying a specific entity profile that includes the specific entity identifier; generating a first hash value via application of one or more hashing algorithms to the transaction data; generating a second hash value via application of one of more hashing algorithms to a combination of the first hash value and the secret value included in the identified specific entity profile; and posting the first hash value and second hash value to a publicly accessible data source.

    Systems and methods for use in facilitating network messaging
    17.
    发明授权
    Systems and methods for use in facilitating network messaging 有权

    公开(公告)号：US11720895B2

    公开(公告)日：2023-08-08

    申请号：US17066234

    申请日：2020-10-08

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Jason Jay Lacoss-Arnold ,  Andrew David Lambert ,  Christy Hart

    IPC: G06Q20/40 ,  H04L9/40

    CPC classification number: G06Q20/401 ,  G06Q20/405 ,  G06Q20/4097 ,  H04L63/18

    Abstract: Systems and methods are provided for use in facilitating network messages. An exemplary method includes receiving, at a network, an instruction associated with a first user and specific to a first user account, where the instruction is directed to a second user account associated with a second user. The method also includes compiling a pre-authorization message indicative of the instruction, consistent with a first message standard and including an identifier of the first user account, and transmitting the pre-authorization message to a first institution associated with the first user account. The method then includes translating the pre-authorization message and/or the instruction into a transfer instruction consistent with a second message standard different than the first message standard, and transmitting the transfer instruction to a different network thereby permitting the delivery of the transfer instruction consistent with the second standard to a second institution associated with the second user account.

    SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK MESSAGING
    18.
    发明申请
    SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK MESSAGING 有权

    公开(公告)号：US20210110392A1

    公开(公告)日：2021-04-15

    申请号：US17066234

    申请日：2020-10-08

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Jason Jay Lacoss-Arnold ,  Andrew David Lambert ,  Christy Hart

    IPC: G06Q20/40 ,  H04L29/06

    Abstract: Systems and methods are provided for use in facilitating network messages. An exemplary method includes receiving, at a network, an instruction associated with a first user and specific to a first user account, where the instruction is directed to a second user account associated with a second user. The method also includes compiling a pre-authorization message indicative of the instruction, consistent with a first message standard and including an identifier of the first user account, and transmitting the pre-authorization message to a first institution associated with the first user account. The method then includes translating the pre-authorization message and/or the instruction into a transfer instruction consistent with a second message standard different than the first message standard, and transmitting the transfer instruction to a different network thereby permitting the delivery of the transfer instruction consistent with the second standard to a second institution associated with the second user account.

    Systems and Methods for Use in Implementing Account Controls
    20.
    发明申请
    Systems and Methods for Use in Implementing Account Controls 审中-公开

    公开(公告)号：US20200234299A1

    公开(公告)日：2020-07-23

    申请号：US16842234

    申请日：2020-04-07

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Andrew Lambert ,  Jason Jay Lacoss-Arnold

    IPC: G06Q20/40 ,  G06Q40/06

    Abstract: Systems and methods are provided for use in implanting and/or modifying account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule is associated with a sleeping state of the user, and activating, by the computing device, the at least one account control rule when the current conditional state of the user is the same as the sleeping state associated with the at least one account control rule.

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