-
21.发明申请公开(公告)号：US20170337626A1
公开(公告)日：2017-11-23
申请号：US15158765
申请日：2016-05-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Dexter Bryant , Christopher T. Scholl
CPC classification number: G06Q40/025 , G06Q20/24 , G06Q20/3224 , G06Q20/387 , G06Q20/40145
Abstract: Systems and methods are provided for use in offering credit accounts to consumers based on the consumers being at locations of merchants associated with the credit accounts. One exemplary method includes detecting, by a computing device, a location associated with a merchant and transmitting the detected location to a credit offer engine. The method also includes receiving, by the computing device, a credit account offer associated with the merchant, based on the detected location, and receiving an acceptance from the consumer in response to the offer. The method further includes transmitting, by the computing device, a credit application to the credit offer engine for a credit account associated with the offer and, upon approval of the credit application, receiving and appending credentials associated with the credit account to a payment application of the consumer, whereby the credit account is usable to fund a payment transaction with the merchant.
-
公开(公告)号：US20250104071A1
公开(公告)日：2025-03-27
申请号：US18973988
申请日：2024-12-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： James W. Barkhurst , Christopher T. Scholl
Abstract: Provided herein is a computing system for electronically transmitting a token linked to personally identifying information (PII) of a user to a merchant. The computing system includes a processor in communication at a memory device, and the processor is programmed to: (i) receive PII, issued payment instrument data, and a user identifier associated with a user, (ii) store the PII, issued payment instrument data, and user identifier in the memory device, (iii) receive an identification request for a user associated with a transaction including payment instrument data, (iv) perform a lookup in the memory device to retrieve the PII of the user and the stored user identifier associated with the received payment instrument data, (v) receive a user input identifier from the user to authenticate the user, (vi) generate a token that links the PII of the user to the transaction, and (vii) transmit the token to the merchant.
-
公开(公告)号：US12205582B2
公开(公告)日：2025-01-21
申请号：US17496706
申请日：2021-10-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , Shawn Mehrhoff , James W. Barkhurst
IPC: G10L15/22
Abstract: A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.
-
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
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
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.
-
Patent Agency Ranking
26.发明公开公开(公告)号：US20240104532A1
公开(公告)日：2024-03-28
申请号：US18535861
申请日：2023-12-11
Applicant: Mastercard International Incorporated
Inventor： Christopher T. Scholl , David Vorhies , Shawn Mehrhoff
CPC classification number: G06Q20/108 , G06Q20/204 , G06Q20/28 , G06Q20/40145 , G06Q40/02 , G06Q20/385
Abstract: A token management computing system for provisioning at least one secure payment token for use in payment transactions is provided. The token management computing system includes a token storage device in communication with a plurality of user computing devices each associated with a respective user, and a token management (“TM”) server. The TM server is programmed to receive a token request for at least one token, generate, upon receiving the token request, the at least one token, wherein the at least one token includes at least one of i) a prepaid token including prepaid funds, ii) multiple tokens each associated with a different user, and iii) a budgeting token associated with a plurality of virtual budget accounts.
-
公开(公告)号：US11074642B2
公开(公告)日：2021-07-27
申请号：US15955949
申请日：2018-04-18
Applicant: Mastercard International Incorporated
Inventor： Shawn Mehrhoff , Christopher T. Scholl
Abstract: A system, computer-readable media and computer-implemented method for automated location interaction management. User input at least partly defining an item is received and stored via a mobile electronic device. A location interaction trigger for the item is automatically determined to have occurred, based at least in part on a geolocation of the mobile electronic device. An alert is generated describing the item for display on a display of the mobile electronic device.
-
28.发明授权公开(公告)号：US11057735B2
公开(公告)日：2021-07-06
申请号：US16692794
申请日：2019-11-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Shawn Mehrhoff , Madeline Mueller , Christopher T. Scholl
Abstract: A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.
-
公开(公告)号：US20210125164A1
公开(公告)日：2021-04-29
申请号：US16662968
申请日：2019-10-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Shawn Mehrhoff , Christopher T. Scholl
Abstract: A token management computing system for provisioning a payment token to a token storage device for a payment transaction is provided. The token management computing system includes a user computing device in communication with the token storage device and a token management server that includes at least one processor communicatively coupled to a memory device. The at least one processor is programmed to (i) receive, from the user computing device, a token request for a payment token, the request including a payment account number (PAN) selected from a digital wallet stored on the user computing device, and at least one token control, (ii) store token information including the PAN and the at least one token control, (iii) generate a single-use payment token, (iv) transmit the token to the user computing device, and (v) instruct the user computing device to transfer the token to the token storage device.
-
公开(公告)号：US20210110364A1
公开(公告)日：2021-04-15
申请号：US16601115
申请日：2019-10-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , James W. Barkhurst , Shawn Mehrhoff
Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.
-
-
-
-
-
-
-
-
-
Search Results
68
records
(took 0.031 seconds)
