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公开(公告)号：US10664845B1
公开(公告)日：2020-05-26
申请号：US14966107
申请日：2015-12-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Andrew Lambert , Jason Jay Lacoss-Arnold
Abstract: Systems and methods are provided for use in implanting account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule associated with a conditional state, and activating, by the computing device, the at least one account control rule when the current conditional state of the use is the same as the conditional state associated with the at least one account control rule.
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公开(公告)号：US20170116604A1
公开(公告)日：2017-04-27
申请号：US14918956
申请日：2015-10-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold , Jason M. Mueller , Jeffrey L. Altemueller , Krista Tedder
IPC: G06Q20/40
CPC classification number: G06Q20/40 , G06Q20/3224 , G06Q20/4016 , G06Q20/405
Abstract: Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.
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公开(公告)号：US20170116584A1
公开(公告)日：2017-04-27
申请号：US14918981
申请日：2015-10-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold , Jason M. Mueller , Jeffrey L. Altemueller , Krista Tedder
CPC classification number: G06Q20/10 , G06F21/55 , G06F21/577 , G06Q20/4016 , G06Q20/405
Abstract: Systems and methods for use in segmenting payment accounts based on threat events are disclosed. An exemplary method includes identifying, by a computing device, a payment account associated with a threat event, appending, by the computing device, the payment account to a risk segment, and causing review of the payment account based on inclusion of the payment account in said risk segment. The threat event may include a contact by a risk associated computing device accessing the payment account, or a contact by a risk associated user accessing the payment account.
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公开(公告)号：US11997188B2
公开(公告)日：2024-05-28
申请号：US18124197
申请日：2023-03-21
Applicant: Mastercard International Incorporated
Inventor： Steven C. Davis , Jason Jay Lacoss-Arnold
CPC classification number: H04L9/0643 , H04L9/0866 , H04L9/3239 , H04L9/3242 , H04L63/123 , H04L9/50
Abstract: A method for performing authentication of a client device using a hash chain includes: receiving a first data request from a client device, the first data request including at least a user identifier and a first hash value; transmitting a first data response message to the client device; receiving a second data request from the client device, the second data request including at least the user identifier and a second hash value; generating a validating hash value by applying a hashing algorithm to the second hash value; validating the first hash value as being equal to the generated validating hash value; and transmitting a second data response message to the client device upon successful validation of the first hash value, wherein the second data response message includes one or more data values associated with the user identifier.
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公开(公告)号：US20220366419A1
公开(公告)日：2022-11-17
申请号：US17878732
申请日：2022-08-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold
Abstract: The present disclosure provides for systems and methods for pre-authenticating a user over a network, the system including an authentication computing device configured to receive, over a first computer network, a pre-authentication signal from a client device, determine an account number associated with a payment card of the user, verify i) that the user has satisfied at least one security measure, and ii) that the account number is associated with the client device, store the account number in association with a timer, initiate the timer, monitor, until the timer expires, a second computer network to detect an authorization request message for a transaction having the account number, and embed a digital authentication flag in the authorization request message when the authorization request message is detected before the timer expires, the digital authentication flag indicating that the transaction has been pre-authenticated.
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Patent Agency Ranking
公开(公告)号：US11416947B2
公开(公告)日：2022-08-16
申请号：US16667362
申请日：2019-10-29
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold , Vincent A. Haulotte
Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to the identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.
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公开(公告)号：US20220114566A1
公开(公告)日：2022-04-14
申请号：US17066257
申请日：2020-10-08
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold , Andrew David Lambert , Christy Hart
Abstract: Systems and methods are provided for use in facilitating messages. An exemplary method includes receiving a first electronic message including an instruction from a first user and specific to a first user account, where the instruction is directed to a second user account of a second user, and transmitting a second electronic message including the instruction associated with the second user account. In response, the second user account is adjusted consistent with the instruction. The method also includes determining whether the instruction satisfies one or more parameters and then, in response to the instruction satisfying the one or more parameters, compiling and transmitting a third electronic message including a hold instruction, whereby the second user account is adjusted to include a hold feature consistent with the hold instruction.
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公开(公告)号：US20210042751A1
公开(公告)日：2021-02-11
申请号：US17077895
申请日：2020-10-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold , Jason M. Mueller , Jeffrey L. Altemueller , Krista Tedder
Abstract: Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.
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公开(公告)号：US20200294003A1
公开(公告)日：2020-09-17
申请号：US16890896
申请日：2020-06-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jason Jay Lacoss-Arnold
Abstract: A computer-implemented method for detecting potentially compromised payment cards is provided. The method uses a processor in communication with a memory. The method includes storing a plurality of tokens. Each token includes merchant identification data corresponding to a first merchant. The method also includes transmitting the plurality of tokens to the first merchant and receiving an authorization request message from a merchant. The authorization request message includes a token and a merchant identifier corresponding to the merchant. The method further includes determining that the received token is one of the plurality of tokens associated with the first merchant, determining that the merchant identifier does not correspond to the first merchant, transmitting a message including instructions to decline the transaction, and attaching a potentially compromised flag to the first merchant. The potentially compromised flag indicates a heightened probability of fraudulent activity.
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公开(公告)号：US20180276643A1
公开(公告)日：2018-09-27
申请号：US15994693
申请日：2018-05-31
Applicant: Mastercard International Incorporated
Inventor： Jason Jay Lacoss-Arnold , Joan L. Rohlfing
IPC: G06Q20/20
CPC classification number: G06Q20/209 , G06Q20/20
Abstract: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.
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