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公开(公告)号：US20180114203A1
公开(公告)日：2018-04-26
申请号：US15331538
申请日：2016-10-21
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Sharon Amy Rosano , John D. Chisholm , Peter Groarke
CPC classification number: G06Q20/102 , G06F21/6245 , G06Q20/34 , G06Q20/401 , G06Q20/4016 , G06Q20/4018 , G06Q30/04
Abstract: A regulated account-on-file billing updater (ABU) computing device for regulating an account information data source and verifying access to the account information data source is provided. The regulated ABU computing device receives account data from an issuer, the account data corresponding to a cardholder, and stores the account data in an account information data source based on an account identifier associated with the cardholder. The regulated ABU computing device receives an update request from a merchant, the update request including the account identifier and requesting the account data of the cardholder, and verifies the update request in response to receiving the update request by applying at least one verification rule and determining that the merchant is a verified merchant. The regulated ABU computing device also generates an update response, the update response including the account data of the cardholder, and transmits the update response to the verified merchant.
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公开(公告)号：US20250165939A1
公开(公告)日：2025-05-22
申请号：US19029991
申请日：2025-01-17
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Sharon Amy Rosano , John D. Chisholm , Peter Groarke
Abstract: A regulated computing device for regulating an information data source and verifying access to the information data source is provided. The regulated computing device receives account data from an issuer, the account data corresponding to a cardholder, and stores the account data in the information data source based on an account identifier associated with the cardholder. The regulated computing device receives an update request from a merchant, the update request including the account identifier and requesting the account data of the cardholder, and verifies the update request in response to receiving the update request by applying at least one verification rule and determining that the merchant is a verified merchant. The regulated computing device also generates an update response, the update response including the account data of the cardholder, and transmits the update response to the verified merchant.
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公开(公告)号：US20250029101A1
公开(公告)日：2025-01-23
申请号：US18355972
申请日：2023-07-20
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Kyle Williams , David J. Senci
IPC: G06Q20/40
Abstract: An access mapping computing device is configured to build an identification database storing data records, each data record including (i) a verified device identifier identifying a corresponding client computing device, the verified device identifier including tokenized device data of the corresponding client computing device, and (ii) an access profile associated with the verified device identifier and with at least one previous access instance of the corresponding client computing device. The access mapping computing device is further configured to: receive, during a current access instance, device data associated with a candidate client computing device accessing or attempting access to computing resources of a computing network, tokenize the device data to generate a candidate device identifier for the candidate client computing device, query the identification database with the candidate device identifier, and, in response to a successful query, return the verified device identifier retrieved from the identification database.
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公开(公告)号：US20210217015A1
公开(公告)日：2021-07-15
申请号：US16740828
申请日：2020-01-13
Applicant: Mastercard International Incorporated
Inventor： Kyle T. Williams , David J. Senci , Brett J. Thomson
IPC: G06Q20/40
Abstract: Systems for identifying multiple merchant category codes associated with a merchant include a database and a server. The database has a merchant table with several merchant records, which have unique merchant identifiers associated with distinct merchants and one or more active merchant category codes associated with the merchant identifiers. The server receives a clearing transaction message, which includes payment account data associated with an issuer. A transaction merchant identifier in the message is detected by the server. The server retrieves a merchant record that corresponds to the transaction merchant identifier. The server determines whether the merchant record includes several merchant category codes, and if it does, adds an indicator within a first data element and the active merchant category codes within a second data element of the clearing transaction message. The server then transmits the clearing transaction message to the issuer associated with the payment account data.
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15.发明申请公开(公告)号：US20210192532A1
公开(公告)日：2021-06-24
申请号：US16719584
申请日：2019-12-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Brett J. Thomson , Kyle Williams , David J. Senci , Blake Gibbons
Abstract: Described herein is a data optimization computer system for optimizing transaction authorization request messages directed to an authorizing party. The computer system includes a historical transaction database, a merchant database, and a data optimization computing device. The historical transaction database stores a plurality of historical transaction records. The merchant database stores a first merchant registered with the optimization computer system. The data optimization computing device may analyze at least a subset of the historical transaction records to generate a set of optimization rules. The set of optimization rules identifies optimal values for an optimized transaction authorization request message. The optimized transaction authorization request message may be associated with an improved likelihood of resulting in a positive request outcome.
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Patent Agency Ranking
公开(公告)号：US11017379B2
公开(公告)日：2021-05-25
申请号：US15386664
申请日：2016-12-21
Applicant: MasterCard International Incorporated
Inventor： Kyle Williams , David J. Senci , Michelle L. Hafner
Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.
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公开(公告)号：US10373162B2
公开(公告)日：2019-08-06
申请号：US15005829
申请日：2016-01-25
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Peng Yang
Abstract: Systems and methods for validating and adjusting local transaction times are provided. A host computing system includes a processor and a memory in communication with the processor. The host computing system receives a computer message comprising authorization data associated with a transaction, the authorization data including a location identifier and a local transaction time set by a remote computing device used in processing the transaction. The host computing system also appends a header including a header processor time to the computer message, determines a time zone associated with the local transaction time based on the location identifier, converts the header processor time to a local header processor time based on the time zone, and determines that the local transaction time is validated based on the local header processor time.
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公开(公告)号：US20190205880A1
公开(公告)日：2019-07-04
申请号：US15861847
申请日：2018-01-04
Applicant: Mastercard International Incorporated
Inventor： Christopher Vernon , David J. Senci , Kyle Williams
CPC classification number: G06Q20/405 , G06Q20/382 , G06Q20/401
Abstract: A computer-implemented method for verifying a payment transaction over a payment network. One step of the method includes receiving, from a sender, a transaction message, with the transaction message including a plurality of data element fields, and with at least one of the data element fields being a network-specific field configured to be populated by an interchange network of the payment network. An additional step includes performing a validation routine on the transaction message. The validation routine includes analyzing the network-specific field of the transaction message to determine if the network-specific field is populated with data. A further step includes transmitting a financial transaction denial to the sender if the network-specific field of the transaction message is populated with data.
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公开(公告)号：US20190205871A1
公开(公告)日：2019-07-04
申请号：US15861788
申请日：2018-01-04
Applicant: Mastercard International Incorporated
Inventor： Christopher Vernon , Kyle Williams , David J. Senci
CPC classification number: G06Q20/3821 , G06Q20/102 , G06Q20/28 , G06Q20/351 , G06Q20/405
Abstract: A merchant advice code system and computer-implemented method for populating a merchant advice code in a payment authorization response message includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number relating to the payment account of a cardholder. The processor is programmed to extract a copy of the primary account number from the payment authorization request message and determine whether the primary account number exists in an automated billing service database. In response to determining that the primary account number exists in the automated billing service database, the processor is programmed to store an indicator in the memory device and populate the merchant advice code in the payment authorization response message with the indicator, thereby generating an edited payment authorization response message.
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公开(公告)号：US20190197501A1
公开(公告)日：2019-06-27
申请号：US15851048
申请日：2017-12-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： David J. Senci , Samuel Gerald Bish , Kyle Williams
CPC classification number: G06Q20/102 , G06Q20/3223 , G06Q20/388 , G06Q20/401
Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving a request for at least one recurring network transaction involving a first party, based on a prior network transaction with the first party and including multiple attributes. The method also includes soliciting at least one variable attribute of the at least one recurring network transaction from a user associated with the prior transaction, receiving the at least one variable attribute from the user, and compiling and storing a recurring transaction order based on the multiple attributes of the prior transaction and the at least one variable attribute. The exemplary method then further includes initiating the at least one recurring network transaction, based on a timing defined by the recurring transaction order, whereby the prior transaction and its multiple attributes provide a template for the at least one recurring network transaction.
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