公开(公告)号：US20190019249A1

公开(公告)日：2019-01-17

申请号：US15648023

申请日：2017-07-12

Applicant: Mastercard International Incorporated

Inventor： Manash Bhattacharjee ,  Stephane Wyper

IPC: G06Q40/02

Abstract: An apparatus for generating personal profile scores can include a processor that can receive, from different sensors, different types of sensor measurements for different individuals. The processor can calculate individual sensor scores corresponding to different types of sensor measurements. The processor can calculate a regional average score for different types of sensor measurements based on the sensor measurements from a subset of sensors associated with individuals located in a particular geographic region. The processor can determine an adjusted sensor score for each of different types of sensor measurements, wherein the adjusted sensor score for each type of sensor measurement comprises an individual sensor score normalized by a corresponding regional average score for that corresponding type of sensor measurement. The processor can determine an adjusted personal profile score by compositing the adjusted sensor scores for each of the different types of sensor measurements.

公开(公告)号：US20170353422A1

公开(公告)日：2017-12-07

申请号：US15171972

申请日：2016-06-02

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Manash Bhattacharjee

IPC: H04L12/58 ,  G06Q20/12 ,  H04L12/26 ,  G06F17/30 ,  G06Q50/00

CPC classification number: H04L51/32 ,  G06F16/951 ,  G06Q20/12 ,  G06Q20/3224 ,  G06Q50/01 ,  H04L43/028

Abstract: A computer-implemented method for processing transaction messages using a social network platform between a requestor and a responder is provided. The method includes receiving a social network message including an item request and a predefined hashtagged identifier. The method further includes transmitting the social network message to one or more registered providers. The method also includes receiving a confirmation from a first registered provider of the one or more registered providers that the first registered provider will provide the requested item. The method further includes transmitting payment information for the item request to a payment processor. The method also includes transmitting a notification to the first registered provider to provide the requested item.

公开(公告)号：US20170103415A1

公开(公告)日：2017-04-13

申请号：US14881320

申请日：2015-10-13

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Randy Shuken ,  Manash Bhattacharjee

IPC: G06Q30/02 ,  G06Q50/16

CPC classification number: G06Q30/0252 ,  G06Q30/0206 ,  G06Q30/0255 ,  G06Q30/0278 ,  G06Q50/16

Abstract: A method for selecting audience messages for an event based on audience analytics. A content management computing device determines a set of geographical regions viewing rights for an event were purchased, and in what quantity based on a first set of transaction data. The content management computing then receives a second set of transaction data associated with a set of consumers and generates one or more microsegment data sets based on the second set of transaction data. The microsegments are subdivided based on at least the set of geographical regions. The content management computing device then generates an audience profile based on the microsegment data sets. The content management computing device then receives a plurality of audience messages for the event, and selects one or more audience messages from the plurality of audience messages based on the audience profile.

公开(公告)号：US20170068968A1

公开(公告)日：2017-03-09

申请号：US15259578

申请日：2016-09-08

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Manash Bhattacharjee

IPC: G06Q30/02 ,  G06Q40/00 ,  G06Q20/32

CPC classification number: G06Q30/0201 ,  G06Q20/3224 ,  G06Q40/12

Abstract: Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (MA) computing device in communication with a user computing device. The MA computing device defines a plurality of sectors of a geographic region and receiving transaction data including at least one online transaction associated with a merchant. The MA computing device generates a transaction location identifier for each of online transaction to indicate a location associated with a user device operated by a cardholder associated with the online transaction and links the online transaction to one sector based on the transaction location identifier. The MA computing device generates aggregated merchant analytics for each sector based on the transaction data associated with the online transactions located in the sector and displays the aggregated merchant analytics on the user computing device for analysis.

Abstract translation: 提供了用于为扇区生成聚合商家分析的系统和方法。 该系统包括与用户计算设备通信的商业分析（MA）计算设备。 MA计算设备定义地理区域的多个扇区并接收包括与商家相关联的至少一个在线交易的交易数据。 MA计算设备为每个在线交易生成交易位置标识符以指示与由与在线交易相关联的持卡人操作的用户设备相关联的位置，并且基于交易位置标识符将在线交易链接到一个扇区。 MA计算设备基于与位于扇区中的在线交易相关联的交易数据为每个扇区生成聚合商家分析，并且在用户计算设备上显示聚合的商家分析以进行分析。

公开(公告)号：US20160335650A1

公开(公告)日：2016-11-17

申请号：US14788017

申请日：2015-06-30

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Randy Shuken ,  Manash Bhattacharjee

IPC: G06Q30/02

CPC classification number: G06Q30/0205 ,  G06F16/29 ,  G06Q10/00 ,  G06Q10/06393 ,  H04L63/083 ,  H04L63/102 ,  H04L67/18

Abstract: A method for generating and providing aggregated merchant analytics for a sector location is provided. The method includes defining a plurality of sectors of a geographic region and receiving transaction data for financial transactions occurring within a period of time, the transaction data associated with a plurality of merchants. The plurality of merchants are located in the geographic region. The method also includes identifying, for each merchant, one sector of the plurality of sectors in which the merchant is located. The method further includes generating aggregated merchant analytics for each sector based on the transaction data associated with all merchants located in the sector, wherein the aggregated merchant analytics represent a ranking of each sector relative to all other sectors, and displaying on a user interface of the user computing device the aggregated merchant analytics, wherein the aggregated merchant analytics are graphically represented on a map of the defined sectors.

Abstract translation: 提供了一种用于为扇区位置生成和提供聚合商家分析的方法。 该方法包括定义地理区域的多个扇区并接收在一段时间内发生的金融交易的交易数据，交易数据与多个商家相关联。 多个商家位于地理区域。 该方法还包括为每个商家识别商家所在的多个扇区中的一个扇区。 该方法还包括基于与位于扇区中的所有商家相关联的交易数据为每个扇区生成聚合商家分析，其中聚合的商家分析表示每个扇区相对于所有其他扇区的排名，并且在用户界面上显示 用户计算设备的聚合商家分析，其中聚合的商家分析在所定义的扇区的地图上以图形方式表示。

公开(公告)号：US20160321717A1

公开(公告)日：2016-11-03

申请号：US14702403

申请日：2015-05-01

Applicant: MasterCard International Incorporated

Inventor： Manash Bhattacharjee ,  Debashis Ghosh ,  Randy Shuken

IPC: G06Q30/06 ,  G06Q20/12

CPC classification number: G06Q30/0601 ,  G06Q20/123 ,  G06Q30/00 ,  G06Q99/00

Abstract: A mobile computing device configured for enabling distribution of digital pictures is provided. Additionally, a method for enabling distribution of digital pictures and a computer-readable storage medium having computer-executable instructions embodied thereon for enabling distribution of digital pictures are provided.

Abstract translation: 提供了配置用于实现数字图像分发的移动计算设备。 另外，提供了一种用于实现数字图像分发的方法和一种其上包含有实现数字图像分发的计算机可执行指令的计算机可读存储介质。

公开(公告)号：US11652638B2

公开(公告)日：2023-05-16

申请号：US16507776

申请日：2019-07-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Ashfaq Kamal ,  Rahul Deshpande

IPC: H04L9/32 ,  H04L9/40 ,  H04L9/30 ,  G06F9/54

CPC classification number: H04L9/3231 ,  G06F9/54 ,  H04L9/3073 ,  H04L63/0861

Abstract: Systems and methods are provided for managing user identities in networks. One exemplary method includes receiving, at a communication device, an API call request for a credential from a relying party. The communication device includes an application that incorporates an SDK. After receiving the API call request for the credential, the communication device authenticates a user associated with the communication device and identified in the API call request. After authentication of the user the communication device generates, via the SDK, a private-public key pair and stores the private key in memory. The communication device compiles, via the SDK, a credential packet include the public key and identity data associated with the user and transmits the credential packet to the relying party, whereby the relying party is registered to the SDK to request assertions of an identity of the user.

公开(公告)号：US11348124B2

公开(公告)日：2022-05-31

申请号：US15259578

申请日：2016-09-08

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Manash Bhattacharjee

IPC: G06Q20/00 ,  G06Q30/00 ,  G06Q40/00 ,  G06Q30/02 ,  G06Q20/32

Abstract: Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (MA) computing device in communication with a user computing device. The MA computing device defines a plurality of sectors of a geographic region and receiving transaction data including at least one online transaction associated with a merchant. The MA computing device generates a transaction location identifier for each of online transaction to indicate a location associated with a user device operated by a cardholder associated with the online transaction and links the online transaction to one sector based on the transaction location identifier. The MA computing device generates aggregated merchant analytics for each sector based on the transaction data associated with the online transactions located in the sector and displays the aggregated merchant analytics on the user computing device for analysis.

公开(公告)号：US11205171B2

公开(公告)日：2021-12-21

申请号：US15725616

申请日：2017-10-05

Applicant: Mastercard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashant Sharma ,  Joseph Hayes

IPC: G06Q20/36 ,  G06Q30/02 ,  G06Q20/38 ,  G06Q20/12 ,  G06Q20/20 ,  G06F16/953 ,  G07G1/01 ,  G06Q30/06 ,  G06F16/58

Abstract: A method for identifying a dynamic checkout button with a contextual offer includes: storing, a plurality of offer data entries, each including display data, a wallet identifier, and a merchant identifier; receiving a page request from an external server, the page request including a specific merchant identifier and a device identifier; receiving a data file from a computing device corresponding to the device identifier, the data file including a specific wallet identifier; identifying a specific offer data entry where the included wallet identifier corresponds to the specific wallet identifier and where the included merchant identifier corresponds to the specific merchant identifier; identifying an image file associated with the specific wallet identifier, wherein the image file includes at least the display data included in the specific offer data entry; and transmitting the identified image file to the external server in response to the page request.

公开(公告)号：US10922761B2

公开(公告)日：2021-02-16

申请号：US15226484

申请日：2016-08-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Debashis Ghosh ,  Randall K. Shuken ,  Manash Bhattacharjee

IPC: G06Q20/00 ,  G06Q40/00 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/20

Abstract: A method for validating tax data of a taxable entity comprises: receiving at a computer processor, payment card transaction records including at least one of a customer identifier, a merchant identifier, and transaction purchase amounts corresponding to entity purchase transactions over a given time period; analyzing the payment card transaction records data to generate one or more spending profiles according to one or more categories of merchants; correlating the entity spending profiles with one or more other aggregated spending profiles representative of historical spending by additional entities whose reported income is within a given range of the entity reported income; comparing the degree of correlation with a threshold and generating a signal indicative of a request for secondary review of a tax filing of the entity when the degree of correlation is below the threshold; and otherwise generating a signal indicative of a validated tax filing of the entity.