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    Entity identification based on a record pattern
    22.
    发明授权
    Entity identification based on a record pattern 有权

    公开(公告)号：US11562361B2

    公开(公告)日：2023-01-24

    申请号：US15847924

    申请日：2017-12-20

    Applicant: MasterCard International Incorporated

    Inventor： Christopher John Merz ,  Joshua A. Allbright ,  Adam Kenneth Hosp

    IPC: G06Q20/40 ,  G06Q40/00 ,  G06F16/35 ,  G06F16/2455

    Abstract: The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures.

    SYSTEMS AND METHODS FOR MULTI ACCESS CHANNELS FOR AUTHENTICATION AND CONSENTS
    25.
    发明申请
    SYSTEMS AND METHODS FOR MULTI ACCESS CHANNELS FOR AUTHENTICATION AND CONSENTS 有权

    公开(公告)号：US20220108284A1

    公开(公告)日：2022-04-07

    申请号：US17490520

    申请日：2021-09-30

    Applicant: Mastercard International Incorporated

    Inventor： Adam Kenneth Hosp ,  Oran Cummins ,  Michael Hoole ,  Ahmed Hosny ,  Ishfaq Lone ,  Marco Vicente ,  Piyushkumar Kanubhai Hirpara ,  Kosta Krauth

    IPC: G06Q20/02 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/38

    Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

    Method and system for secured merchant verification
    26.
    发明授权
    Method and system for secured merchant verification 有权

    公开(公告)号：US10740757B2

    公开(公告)日：2020-08-11

    申请号：US15397926

    申请日：2017-01-04

    Applicant: Mastercard International Incorporated

    Inventor： Adam Kenneth Hosp ,  Oran Cummins

    IPC: G06Q40/04 ,  G06Q20/40 ,  G06Q20/10 ,  G06F16/22 ,  G06Q20/20 ,  G06F21/42 ,  G06Q20/42 ,  G06F21/40

    Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

    Method and system for intelligent routing of insights
    27.
    发明授权
    Method and system for intelligent routing of insights 有权

    公开(公告)号：US10657594B2

    公开(公告)日：2020-05-19

    申请号：US15386367

    申请日：2016-12-21

    Applicant: Mastercard International Incorporated

    Inventor： Adam Kenneth Hosp ,  Oran Cummins

    IPC: G06Q40/04 ,  G06Q30/02

    Abstract: A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

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