公开(公告)号：US20180189788A1

公开(公告)日：2018-07-05

申请号：US15397323

申请日：2017-01-03

Applicant: MasterCard International Incorporated

Inventor： Jason Jay Lacoss-Arnold

IPC: G06Q20/40

CPC classification number: G06Q20/4014 ,  G06Q20/3223 ,  G06Q20/3674 ,  G06Q20/425

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.

公开(公告)号：US20180108344A1

公开(公告)日：2018-04-19

申请号：US15296888

申请日：2016-10-18

Applicant: MasterCard International Incorporated

Inventor： Jason Jay Lacoss-Arnold

IPC: G10L13/08 ,  G06F3/0481 ,  G10L13/047

CPC classification number: G10L13/08 ,  G06F3/0481 ,  G10L13/047 ,  G10L13/10

Abstract: A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine pronunciation is audibly communicated to a user of the TTS computing device. The TTS computing device is also configured to receive a pronunciation correction of the machine pronunciation from the user via the user interface, and store the pronunciation correction in a TTS data source. The TTS computing device is further configured to assign the pronunciation correction provided by the user to a user profile that corresponds to the text data.

公开(公告)号：US20170083985A1

公开(公告)日：2017-03-23

申请号：US14862704

申请日：2015-09-23

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jason Jay Lacoss-Arnold ,  Vincent A. Haulotte

IPC: G06Q40/00 ,  H04W64/00

CPC classification number: G06Q40/12 ,  G06Q20/20 ,  G06Q20/3224 ,  G06Q20/4016 ,  G06Q30/0205 ,  H04W64/00

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.