公开(公告)号：US10922727B2

公开(公告)日：2021-02-16

申请号：US15689789

申请日：2017-08-29

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Prashant Sharma ,  Antonio Marra ,  Manash Bhattacharjee

IPC: G06Q30/06 ,  G06K7/14 ,  G06Q50/12

Abstract: Embodiments relate to a system, method and medium for facilitating automated distribution of a stated item to two or more receivers, where each of the receivers are associated with one or more entities. A selection device receives information indicating the receivers authorized to receive a stated item. The selection device is used to select which of multiple authorized receivers are to receive the stated item. Once the selector has made the selections, a stated item in a quantity determined by the selector is directed to the selected receivers.

公开(公告)号：US20210014062A1

公开(公告)日：2021-01-14

申请号：US16507776

申请日：2019-07-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Ashfaq Kamal ,  Rahul Deshpande

IPC: H04L9/32 ,  G06F9/54 ,  H04L9/30 ,  H04L29/06

Abstract: Systems and methods are provided for managing user identities in networks. One exemplary method includes receiving, at a communication device, an API call request for a credential from a relying party. The communication device includes an application that incorporates an SDK. After receiving the API call request for the credential, the communication device authenticates a user associated with the communication device and identified in the API call request. After authentication of the user the communication device generates, via the SDK, a private-public key pair and stores the private key in memory. The communication device compiles, via the SDK, a credential packet include the public key and identity data associated with the user and transmits the credential packet to the relying party, whereby the relying party is registered to the SDK to request assertions of an identity of the user.

公开(公告)号：US20190213625A1

公开(公告)日：2019-07-11

申请号：US15867085

申请日：2018-01-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Tyler C. Welsh ,  Akshita Goyal

IPC: G06Q30/02 ,  G06F9/54 ,  G06F17/30 ,  G06Q20/10

CPC classification number: G06Q30/0239 ,  G06F9/547 ,  G06F16/9537 ,  G06Q20/10 ,  G06Q30/0222 ,  G06Q50/12 ,  G06T11/60 ,  G06T19/006

Abstract: Systems and methods herein are related to augmented reality (AR) experiences in connection with items offered by entities. One exemplary method includes receiving, at a computing device, an AR search request from a user where the AR search request includes a search criteria and a location. The computing device then searches in a memory for at least one entity consistent with the search criteria and the location. In turn, the computing device returns an AR search response to the user, at an application of a communication device associated with the user. The AR search response includes an AR quotient indicative of a level of an AR experience at the at least one entity, thereby permitting the user to identify the level of the AR experience at the at least one entity prior to deciding to visit the at least one entity.

公开(公告)号：US20180218447A1

公开(公告)日：2018-08-02

申请号：US15421131

申请日：2017-01-31

Applicant: MasterCard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashanna S. Tiwaree ,  Prashant Sharma

IPC: G06Q40/02

CPC classification number: G06Q40/025

Abstract: A merchant score (MS) computing device for generating merchant lending scores for business loans is provided. The MS computing device receives a score request including a merchant identifier associated with a candidate merchant, determines a geolocation and a merchant category associated with the candidate merchant based at least in part on the score request, and retrieves transaction data associated with transactions for a plurality of merchants including the candidate merchant and a set of peer merchants. Each peer merchant is associated with the geolocation and merchant category of the candidate merchant. The MS computing device further compares the transaction data associated with the candidate merchant to the transaction data associated with the peer merchants, generates a merchant lending score associated with the candidate merchant that indicates a relative performance level based on the comparison, and transmits the merchant lending score to a requestor computing device.

公开(公告)号：US20170221085A1

公开(公告)日：2017-08-03

申请号：US15012364

申请日：2016-02-01

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Scott Hudson ,  Manash Bhattacharjee

IPC: G06Q30/02 ,  G06Q20/20 ,  G06F17/30 ,  G06Q30/06

CPC classification number: G06Q30/0205 ,  G06F16/9535 ,  G06Q20/045 ,  G06Q20/20 ,  G06Q20/3224 ,  G06Q30/0601

Abstract: A computer-implemented method for creating and managing an options program associated with payment transactions initiated in a geographic sector is described herein. The method is implemented using an analytics evaluation and management (AEM) computing device. The method includes storing a sector score associated with the geographic sector, the sector store ranking one or more financial characteristics of a plurality of merchants located in the sector. The method also includes generating an investment instrument including one or more parameters associated with the sector score, and transmitting a program initiation signal to a program interface (PI) computing device configured to maintain a virtual commodity market. The program initiation signal includes instructions causing the PI computing device to display the investment instrument on a user computing device, and provide a user of the user computing device an option to purchase the investment instrument.

公开(公告)号：US20170103677A1

公开(公告)日：2017-04-13

申请号：US14880923

申请日：2015-10-12

Applicant: MasterCard International Incorporated

Inventor： Manash Bhattacharjee ,  Debashis Ghosh ,  Randy Shuken ,  Loralee J. Bodo ,  Jason Alex Feldman

IPC: G09B19/00 ,  G09B5/02

Abstract: A nutritional intake tracker computing device (“intake tracker”) is provided. The intake tracker is configured to receive user health data and at least one user health goal from a user computing device, and receive a request for an intake recommendation from the user computing device. The request includes a location identifier of a location of the user computing device. The intake tracker is configured to retrieve available intake options based on the location of the user computing device, wherein each of the available intake options includes corresponding nutritional information. The intake tracker is further configured to process the available intake options, the user health data, the at least one user health goal, and the corresponding nutritional information to generate a recommendation of at least one recommended intake option, and transmit the recommendation to the user computing device for display.

公开(公告)号：US20160307243A1

公开(公告)日：2016-10-20

申请号：US14690115

申请日：2015-04-17

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Manash Bhattacharjee ,  Randy Shuken

IPC: G06Q30/02 ,  G06F17/30 ,  H04W4/02 ,  G06Q50/16

Abstract: A computer-implemented method for providing valuation data for a location of interest (LOI) to a user is provided. The method includes receiving, by a real estate valuation computing device, a location request message generated at a mobile device associated with the user. The location request message includes image data and mobile device data. The method also includes mapping the LOI to a physical location based at least in part on the mobile device data, and determining valuation data for the LOI based on the physical location. The valuation data includes a real estate rating for the LOI. The method further includes generating a location response message that includes at least the valuation data and the physical location of the LOI, and transmitting the location response message to the mobile device.

Abstract translation: 提供了一种用于向用户提供感兴趣位置（LOI）的估价数据的计算机实现的方法。 该方法包括由房地产估价计算设备接收在与用户相关联的移动设备处生成的位置请求消息。 位置请求消息包括图像数据和移动设备数据。 该方法还包括至少部分地基于移动设备数据将LOI映射到物理位置，以及基于物理位置确定LOI的估价数据。 估值数据包括LOI的房地产评级。 该方法还包括生成至少包括LOI的估价数据和物理位置的位置响应消息，以及将位置响应消息发送到移动设备。

公开(公告)号：US20230162201A1

公开(公告)日：2023-05-25

申请号：US18157495

申请日：2023-01-20

Applicant: Mastercard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashanna S. Tiwaree ,  Rohit Chauhan

IPC: G06Q30/016

CPC classification number: G06Q30/016

Abstract: A gratuity analytics computing system, for generating gratuity analytics for a plurality of transactions of a customer at a service provider within a date range, is in communication with an electronic device of the service provider over an electronic network. The system includes a gratuity analytics computing device, a database including a memory in operable electronic communication with the gratuity analytics computing device, and a processor configured to: receive transaction data for the plurality of customer transactions occurring within the date range, match a plurality of authorization messages with a respective plurality of clearing messages, generate gratuity analytics for the plurality of customer transactions over the date range based on average tip data from the customer, and calculate a customer satisfaction score for one customer transaction of the plurality of customer transactions based on the generated gratuity analytics.

公开(公告)号：US10922765B2

公开(公告)日：2021-02-16

申请号：US16552944

申请日：2019-08-27

Applicant: Mastercard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashanna S. Tiwaree

IPC: G06Q50/12 ,  G06Q30/02 ,  G06Q10/06

Abstract: A gratuity analytics computing device for generating gratuity analytics for one or more restaurants is provided. The gratuity analytics computing device includes a memory in communication with a processor. The processor programmed to receive a date range from a client computing device. The processor is further configured to receive transaction data for transactions occurring within the date range at a restaurant. The transaction data including a manager identifier, a time stamp, and an employee identifier associated with the transactions, the transaction data including authorization messages and clearing messages. The processor is further configured to match a plurality of authorization messages with a respective plurality of clearing messages. The processor is further configured to calculate tip data for the restaurant based on the plurality of matched messages, generate gratuity analytics for the restaurant over the date range based on the tip data, and display on a user interface of the client computing device the gratuity analytics.

公开(公告)号：US10530755B2

公开(公告)日：2020-01-07

申请号：US15682933

申请日：2017-08-22

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Stephane Wyper

IPC: H04L29/06 ,  H04W12/04 ,  G06Q30/06 ,  G06Q10/06 ,  H04L9/08 ,  H04L9/32

Abstract: Exemplary systems and methods are disclosed for providing access through security key pairs. One exemplary method includes generating, by a platform, a key pair specific to a user and associated with an access period to an asset, where the key pair includes a first key and a second key associated with the first key, and storing the key pair in a data structure. The method also includes distributing the first key to an application associated with the user and distributing the second key to an access system of the asset. The method further includes receiving an access request for the asset during the access period and including the first key, identifying from the data structure the second key of the key pair based on the received first key, and transmitting a message including the second key to the access system for allowing, or not, access to the asset.