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公开(公告)号：US10930104B2
公开(公告)日：2021-02-23
申请号：US17008008
申请日：2020-08-31
Applicant: Mastercard International Incorporated
Inventor： Tara L. Sauer , Christopher T. Scholl
Abstract: A system and computer-implemented method includes the operation of detecting, by a payment-on-delivery device, a carrier mobile computing device of a package carrier. The payment-on-delivery device establishes a communications link with the carrier mobile computing device. The payment-on-delivery device receives a carrier mobile device identifier from the carrier mobile computing device. In addition, the payment-on-delivery device presents an access code to the package carrier for actuating the electronic lock to unlock an access point to a delivery location. The payment-on-delivery device then obtains a location of the carrier mobile computing device from a location service associated with the carrier mobile computing device using the carrier mobile device identifier. Furthermore, the payment-on-delivery device transmits a “lock” command to the electronic lock for actuating the electronic lock to lock the access point based on the location of the carrier mobile computing device.
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公开(公告)号：US10891683B2
公开(公告)日：2021-01-12
申请号：US15895779
申请日：2018-02-13
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Regan E. Harmon , Matthew Wease , William Raymond Bowie , Christopher T. Scholl
Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.
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公开(公告)号：US20200151805A1
公开(公告)日：2020-05-14
申请号：US16191072
申请日：2018-11-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , James W. Barkhurst
IPC: G06Q30/06 , G06T19/00 , G06F3/0481 , G06F3/0482
Abstract: A 3D interface generator computing device (“3D device”) is provided. The 3D device includes at least one sensor, a projector, and a memory that stores (i) a 3D image including 3D elements, (ii) identification for individuals, each associated with an element, and (iii) list data associated with an individual and purchase options. The 3D device includes at least one processor coupled to the memory, the projector, and the sensor. The processor is configured to project the 3D image into a real-world space. The 3D device also receives a first interaction with a 3D element, retrieves the individual associated with the 3D element and a set of list data associated with the individual. The 3D device overlays purchase option images onto the 3D image, each representing an option in the list data, receives a second interaction with a purchase option image, and generates a purchase transaction request for the purchase option.
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公开(公告)号：US20190251621A1
公开(公告)日：2019-08-15
申请号：US15895779
申请日：2018-02-13
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Regan E. Harmon , Matthew Wease , William Raymond Bowie , Christopher T. Scholl
CPC classification number: G06Q30/0641 , G06Q10/0834 , G06Q20/204 , G06Q20/363 , G06Q30/0639
Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.
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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
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.
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Patent Agency Ranking
公开(公告)号：US20180108218A1
公开(公告)日：2018-04-19
申请号：US15295649
申请日：2016-10-17
Applicant: MasterCard International Incorporated
Inventor： Regan E. Harmon , Christopher T. Scholl , William Raymond Bowie
CPC classification number: G07F17/3251 , A63F13/352 , A63F13/46 , A63F13/71 , A63F13/79 , A63F13/792 , A63F2300/558 , G07F17/3225 , G07F17/3241
Abstract: A computer-implemented method enhancing computer game rewards is provided. The method is implemented using a game rewards computer device in communication with a memory. The method includes storing a reward account associated with a payment card that is associated with a cardholder. The reward account includes a total number of rewards points. The method also includes receiving from a game network an indication of a game-based achievement associated with the cardholder. The game-based achievement is based upon one or more actions performed by the cardholder in at least one computer-based game. The method further includes determining a number of rewards points associated with the game-based achievement and incrementing the total number of rewards points in reward account based upon the determined number of rewards points.
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公开(公告)号：US20240331029A1
公开(公告)日：2024-10-03
申请号：US18193307
申请日：2023-03-30
Applicant: Mastercard International Incorporated
Inventor： Sarah Russell , Christopher T. Scholl
CPC classification number: G06Q40/02 , G06Q40/03 , H04L63/0884
Abstract: An automatic name change computer includes a database and processor. An account information table includes a first record with a first account identifier. The processor receives an update file from a first server. The update file includes a second record including a second account identifier, a current legal name of a cardholder, and an updated legal name of the cardholder. Based on the account identifiers matching, the processor writes the updated legal name to the first record. The processor transmits a soft credit check inquiry to a second server and receives one or more accounts associated with the first account identifier. The processor presents a list of the accounts to a cardholder, receives a selection of one or more of the accounts, and writes the updated legal name to a cardholder update file. The processor then transmits the cardholder update file to an account provider.
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38.发明授权公开(公告)号：US11783344B2
公开(公告)日：2023-10-10
申请号：US16110558
申请日：2018-08-23
Applicant: Mastercard International Incorporated
Inventor： Christopher T. Scholl
CPC classification number: G06Q20/4093 , G06Q20/3823 , G06Q20/4012 , G06Q20/40145
Abstract: A secondary authentication system and computer-implemented method for obtaining real-time cardholder authentication of a payment transaction associated with a cardholder's payment card includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number corresponding to a payment account of the cardholder for funding the payment transaction. In addition, the processor is programmed to determine whether the payment account requires secondary authentication by the cardholder for the payment transaction, and if, based on the determination, the payment account requires secondary authentication of the payment transaction, place the payment transaction on hold. Furthermore, the processor is programed to identify a mobile device associated with the payment account of the cardholder, transmit an authentication request message to the identified mobile device, and receive, from the mobile device, an authentication response message.
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公开(公告)号：US20230206238A1
公开(公告)日：2023-06-29
申请号：US17562639
申请日：2021-12-27
Applicant: Mastercard International Incorporated
Inventor： Sheldon Jackson , Christopher T. Scholl , Aravind Mattaparthi
CPC classification number: G06Q20/40145 , G06Q20/321 , G06Q20/3274 , G06Q20/3674 , G06V40/55 , H04W68/005
Abstract: The disclosure describes systems and methods for authenticating a consumer performing a digital wallet transaction while wearing a face covering. A consumer authentication system includes an electronic circuit device having a wireless transmitter chip associated with a unique identifier (UID). The system receives a transaction request message, and in response, transmits an authentication request message to the consumer. The system then receives an authentication response message from the consumer. The authentication response message includes a biometric sample of a select physical feature of the consumer. The system determines that the biometric sample matches the biometric profile of the consumer above a predetermined lower threshold and then reads a unique identifier (UID) from the electronic circuit device. The system determines whether the read unique identifier (UID) matches the unique identifier (UID) of the new consumer account.
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40.发明申请公开(公告)号：US20230071323A1
公开(公告)日：2023-03-09
申请号：US18055257
申请日：2022-11-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Epher Mendoza , Adam Axe , Shawn Mehrhoff , Christopher T. Scholl , David Vorhies
Abstract: A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.
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