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公开(公告)号：US20190188747A1
公开(公告)日：2019-06-20
申请号：US15847511
申请日：2017-12-19
Applicant: MasterCard International Incorporated
Inventor： Prashant Sharma , Rajat Maheshwari , Manash Bhattacharjee
CPC classification number: G06Q30/0226 , G06Q20/227 , G06Q20/401
Abstract: A method includes receiving a transaction authorization request message in a payment account system. A relevant database entry is accessed to determine whether another payment account belonging to the account holder should be inserted into the transaction authorization request message in place of the payment account originally submitted for use in the transaction. The purpose may be to maximize loyalty reward points or otherwise to gain a benefit available by using the other payment account rather than the originally submitted payment account.
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公开(公告)号：US20190068565A1
公开(公告)日：2019-02-28
申请号：US15682933
申请日：2017-08-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Manash Bhattacharjee , Stephane Wyper
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.
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公开(公告)号：US20180225656A1
公开(公告)日：2018-08-09
申请号：US15424226
申请日：2017-02-03
Applicant: MasterCard International Incorporated
Inventor： Saurav Ray , Manohar Murali , Prashant Sharma , Manash Bhattacharjee
CPC classification number: G06Q20/36 , G06Q20/3227 , G06Q20/3276 , G06Q20/363 , G06Q40/02 , G06Q40/025
Abstract: A method of transmitting data from a digital wallet on a user device to a designated server for use by a transaction card application process on the designated server. The method includes receiving code data generated by scanning a code image using the digital wallet on the user device, the code image being associated with a transaction card offer. The code image includes encoded data relating to the transaction card, including an identity of the designated server. The method further includes displaying information relating to the transaction card application process on the user device, the displayed information being generated based at least in part on the code data. The method further includes transmitting, to the designated server, user data for use in the transaction card application process at least a portion of the user data being securely stored by the digital wallet.
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公开(公告)号：US20180174154A1
公开(公告)日：2018-06-21
申请号：US15385277
申请日：2016-12-20
Applicant: MasterCard International Incorporated
Inventor： Manash Bhattacharjee , Prashanna S. Tiwaree , Rohit Chauhan
IPC: G06Q30/00
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.
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公开(公告)号：US20180040073A1
公开(公告)日：2018-02-08
申请号：US15226484
申请日：2016-08-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Randall K. Shuken , Manash Bhattacharjee
CPC classification number: G06Q40/123 , G06Q20/207 , G06Q20/34 , G06Q20/401 , G06Q20/405
Abstract: A method for validating tax data of a taxable entity comprises: receiving at a computer processor, payment card transaction records including at least one of a customer identifier, a merchant identifier, and transaction purchase amounts corresponding to entity purchase transactions over a given time period; analyzing the payment card transaction records data to generate one or more spending profiles according to one or more categories of merchants; correlating the entity spending profiles with one or more other aggregated spending profiles representative of historical spending by additional entities whose reported income is within a given range of the entity reported income; comparing the degree of correlation with a threshold and generating a signal indicative of a request for secondary review of a tax filing of the entity when the degree of correlation is below the threshold; and otherwise generating a signal indicative of a validated tax filing of the entity.
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Patent Agency Ranking
公开(公告)号：US20170178164A1
公开(公告)日：2017-06-22
申请号：US14974783
申请日：2015-12-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Manash Bhattacharjee , Sanket Rajendra Nerkar , Ashutosh Sharan , Avyaktanand Tiwary , Randall K. Shuken
IPC: G06Q30/02
CPC classification number: G06Q30/0204 , G06Q30/0201
Abstract: Systems and methods are provided for determining early-adopter payment accounts. One exemplary method generally includes accessing, by a computing device, product data for at least one target product including a product launch date for the at least one target product; accessing transaction data representative of multiple transactions to payment accounts; identifying, by a computing device, at least one of the multiple transactions as involving a purchase of the at least one target product; determining, by the computing device, an interval between the purchase of the at least one target product and the product launch date for the at least one target product; and appending, by the computing device, the payment account associated with the purchase of the at least one target product to an early-adopter segment based on the determined interval satisfying an early-adopter threshold.
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公开(公告)号：US20170169445A1
公开(公告)日：2017-06-15
申请号：US14964660
申请日：2015-12-10
Applicant: MasterCard International Incorporated
Inventor： Randall Shuken , Manash Bhattacharjee , Debashis Ghosh
CPC classification number: G06Q30/0202 , G06Q20/10 , G06Q30/0279
Abstract: A method is provided for determining the propensity of candidate donors to donate to one or more charities. The method generally includes identifying, using a computing processing unit, transactions processed over at least one payment device network as being associated with a first candidate donor. The identified transactions are then parsed to extract ISO 8583 formatted data. By evaluating the extracted ISO 8583 formatted data, a propensity score is assigned to the first candidate donor where the propensity score represents the propensity of the first candidate donor to donate to a first predefined charity, with the propensity score being indicative of likelihood that the first candidate donor will donate to the first predefined charity.
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38.发明申请Systems and Methods for Use in Valuing Coupons, Relative to Other Coupons 审中-公开用于评估优惠券的系统和方法，相对于其他优惠券公开(公告)号：US20170017968A1
公开(公告)日：2017-01-19
申请号：US14798434
申请日：2015-07-13
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Manash Bhattacharjee , Debashis Ghosh
CPC classification number: G06Q30/0201 , G06Q30/0211 , G06Q30/0278
Abstract: Systems and methods are provided for assigning a value to a coupon, suited for ranking the coupon relative to other coupons. One exemplary method generally includes selecting, by a computing device, a target coupon; weighting, by the computing device, a value associated with the coupon, based on at least one parameter related to the coupon and/or a redemption merchant associated with the coupon; and publishing the weighted value of the target coupon, whereby the weighted value is usable to compare the target coupon to weighted values of other coupons.
Abstract translation: 提供了系统和方法，用于将价值分配给优惠券，适合于相对于其他优惠券对优惠券进行排名。 一个示例性方法通常包括由计算设备选择目标优惠券; 基于与所述优惠券相关联的至少一个参数和/或与所述优惠券相关联的兑换商户，由所述计算设备加权与所述优惠券相关联的值; 并发布目标优惠券的加权值，由此加权值可用于将目标优惠券与其他优惠券的加权值进行比较。
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39.发明申请公开(公告)号：US20160335649A1
公开(公告)日：2016-11-17
申请号：US14755926
申请日：2015-06-30
Applicant: MasterCard International Incorporated
Inventor： Debashis Ghosh , Todd Woodruff , Manash Bhattacharjee
CPC classification number: G06Q30/0205 , G06F16/29 , G06Q10/00 , G06Q10/06393 , H04L63/083 , H04L63/102 , H04L67/18
Abstract: A method for generating and providing aggregated and analyzed merchant analytics for a sector is provided. The method includes defining a plurality of sectors and receiving transaction data for financial transactions associated with merchants and occurring within a period of time. The merchants are located in a sector. The method further includes generating aggregated merchant analytics for each sector based on the transaction data associated with all merchants located in the sector, identifying an impact event based on the aggregated data, and retrieving related content. The method further includes displaying on a user interface of the user computing device a graphical representation of the aggregated merchant analytics and the content associated with the impact event.
Abstract translation: 提供了一种用于为扇区生成和提供聚合和分析的商家分析的方法。 该方法包括定义多个扇区并接收与商家相关联并在一段时间内发生的金融交易的交易数据。 商家位于一个行业。 该方法还包括基于与位于该扇区中的所有商户相关联的交易数据为每个扇区生成聚合商家分析，基于聚合数据识别影响事件，以及检索相关内容。 该方法还包括在用户计算设备的用户界面上显示聚合的商家分析和与冲击事件相关联的内容的图形表示。
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公开(公告)号：US12020260B2
公开(公告)日：2024-06-25
申请号：US18157495
申请日：2023-01-20
Applicant: Mastercard International Incorporated
Inventor： Manash Bhattacharjee , Prashanna S. Tiwaree , Rohit Chauhan
IPC: G06Q30/00 , 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.
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