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

IPC: G06Q30/0207 ,  B60W40/09 ,  G06F11/34 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/59 ,  G06V40/12 ,  G07C5/00

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：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

IPC: G06Q20/10 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q40/02

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

IPC: G06Q30/00 ,  G06Q30/06 ,  H04W4/02

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.

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

IPC: H04W4/021 ,  H04W4/029 ,  G06Q20/40 ,  G06Q30/02 ,  H04L29/08 ,  H04W4/02

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

IPC: G06Q20/20 ,  G06F16/25 ,  G06Q20/36 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

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

IPC: G06Q20/16 ,  G06Q20/36 ,  G06Q20/42

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.

公开(公告)号：US20190137553A1

公开(公告)日：2019-05-09

申请号：US15807326

申请日：2017-11-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shawn Mehrhoff ,  Christopher T. Scholl

IPC: G01R22/10 ,  G01R22/06 ,  G06F17/40 ,  G06F13/38

Abstract: A power calculating (PC) computing device comprising a processor and a memory in communication with the processor, the processor programmed to retrieve power supply data from a renewable energy device, wherein the power supply data includes at least one measurement associated with renewable power generation, retrieve power status data from an accumulator, retrieve power demand data from a power monitor device associated with an electrical device, retrieve utility status data from a utility data provider, generate aggregate power data based on the power supply data, the power status data, and the power demand data, and calculate a power cost metric based on the aggregate power data and the utility status data.