公开(公告)号：US20230020878A1

公开(公告)日：2023-01-19

申请号：US17936249

申请日：2022-09-28

Applicant: Mastercard International Incorporated

Inventor： William Raymond Bowie ,  Regan E. Harmon ,  Christopher T. Scholl

IPC: G06Q40/02 ,  G06K7/14 ,  G06Q20/18 ,  G06Q20/32 ,  H04W12/03 ,  G06Q20/36 ,  G06Q30/00 ,  G06Q30/02

Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.

公开(公告)号：US11528143B2

公开(公告)日：2022-12-13

申请号：US16908412

申请日：2020-06-22

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Matthew Wease ,  Regan E. Harmon ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: H04L29/06 ,  H04L9/32 ,  H04L9/40 ,  G06V40/16 ,  G06V40/18 ,  G06V40/12

Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.

公开(公告)号：US11354762B2

公开(公告)日：2022-06-07

申请号：US15829617

申请日：2017-12-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Regan E. Harmon ,  William Raymond Bowie ,  Matthew Wease

IPC: G06Q50/00 ,  G06Q50/26 ,  G06Q30/00 ,  G06Q20/36 ,  G06F16/951

Abstract: A wallet provider (WP) computing device is provided for extending a digital passport object stored in a digital wallet. The WP computing device includes a processor and a memory in communication with the processor. The processor is programmed to receive an augmentation request associated with the digital passport object from a requesting user device, retrieve an augmentation template and trusted authentication data based at least in part on the augmentation request, generate an augmentation package associated with the digital passport object, transmit an authentication request to an authenticating user device, receive an authentication response from the user device, determine an authentication evaluation of the augmentation package associated with the digital passport object, and transmit the updated augmentation package to the sponsoring authority.

公开(公告)号：US20240249306A1

公开(公告)日：2024-07-25

申请号：US18627290

申请日：2024-04-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  David Vorhies ,  Regan E. Harmon ,  Shawn Mehrhoff

IPC: G06Q30/0207 ,  B60W40/09 ,  G06F11/34 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/59 ,  G06V40/12 ,  G07C5/00

CPC classification number: G06Q30/0207 ,  B60W40/09 ,  G06F11/3438 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/597 ,  G06V40/1365 ,  G07C5/008

Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

公开(公告)号：US11978074B2

公开(公告)日：2024-05-07

申请号：US16122635

申请日：2018-09-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Regan E. Harmon

IPC: G06Q30/0207 ,  B60W40/09 ,  G06F11/34 ,  G06Q40/08 ,  G06Q50/30 ,  G06V20/59 ,  G06V40/12 ,  G07C5/00

CPC classification number: G06Q30/0207 ,  B60W40/09 ,  G06F11/3438 ,  G06Q40/08 ,  G06Q50/30 ,  G06V20/597 ,  G06V40/1365 ,  G07C5/008

Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

公开(公告)号：US10891683B2

公开(公告)日：2021-01-12

申请号：US15895779

申请日：2018-02-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Regan E. Harmon ,  Matthew Wease ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: G06Q30/06 ,  G06Q20/12 ,  G06Q10/08

Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.

公开(公告)号：US20190251621A1

公开(公告)日：2019-08-15

申请号：US15895779

申请日：2018-02-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Regan E. Harmon ,  Matthew Wease ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: G06Q30/06 ,  G06Q10/08 ,  G06Q20/20 ,  G06Q20/36

CPC classification number: G06Q30/0641 ,  G06Q10/0834 ,  G06Q20/204 ,  G06Q20/363 ,  G06Q30/0639

Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.

公开(公告)号：US20180108218A1

公开(公告)日：2018-04-19

申请号：US15295649

申请日：2016-10-17

Applicant: MasterCard International Incorporated

Inventor： Regan E. Harmon ,  Christopher T. Scholl ,  William Raymond Bowie

IPC: G07F17/32 ,  A63F13/46 ,  A63F13/79

CPC classification number: G07F17/3251 ,  A63F13/352 ,  A63F13/46 ,  A63F13/71 ,  A63F13/79 ,  A63F13/792 ,  A63F2300/558 ,  G07F17/3225 ,  G07F17/3241

Abstract: A computer-implemented method enhancing computer game rewards is provided. The method is implemented using a game rewards computer device in communication with a memory. The method includes storing a reward account associated with a payment card that is associated with a cardholder. The reward account includes a total number of rewards points. The method also includes receiving from a game network an indication of a game-based achievement associated with the cardholder. The game-based achievement is based upon one or more actions performed by the cardholder in at least one computer-based game. The method further includes determining a number of rewards points associated with the game-based achievement and incrementing the total number of rewards points in reward account based upon the determined number of rewards points.