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公开(公告)号：US11475513B2
公开(公告)日：2022-10-18
申请号：US16724867
申请日：2019-12-23
Applicant: Mastercard International Incorporated
Inventor： William Raymond Bowie , Regan E. Harmon , Christopher T. Scholl
Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.
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公开(公告)号：US20220261778A1
公开(公告)日：2022-08-18
申请号：US17734817
申请日：2022-05-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , James W. Barkhurst , Shawn Mehrhoff
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.
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公开(公告)号：US11348089B2
公开(公告)日：2022-05-31
申请号：US16662320
申请日：2019-10-24
Applicant: Mastercard International Incorporated
Inventor： Andrea Catalina Berdugo , Christopher T. Scholl , Adam Michael Sommer
Abstract: Methods and systems for hearing-impaired payment applications are provided herein. In particular, a method for performing a transaction using a hearing device payment system is provided that includes a hearing device and a cardholder computing device. The method includes pairing the hearing device to the cardholder computing device by means of a wireless communication protocol. A payment application on the cardholder computing device is started to perform a transaction. A cardholder initiates an audible instruction function of the payment application. In addition, the payment application transmits a digital audio signal to the hearing device by means of the wireless communication protocol. The digital audio signal provides an audible instruction to the cardholder via the hearing device.
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公开(公告)号：US11335209B2
公开(公告)日：2022-05-17
申请号：US16662323
申请日：2019-10-24
Applicant: Mastercard International Incorporated
Inventor： Andrea Catalina Berdugo , Christopher T. Scholl
Abstract: Methods and systems for facilitating transactions by visually-impaired cardholders are provided herein. In particular, a method for performing a transaction using a visually-impaired payment system is provided that includes a payment application with a visually-impaired functionality, which may be activated so as to provide auditory instructions and/or enlarged text instructions to a visually-impaired cardholder.
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公开(公告)号：US20220115126A1
公开(公告)日：2022-04-14
申请号：US17496706
申请日：2021-10-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , Shawn Mehrhoff , James W. Barkhurst
Abstract: A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.
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Patent Agency Ranking
公开(公告)号：US11288733B2
公开(公告)日：2022-03-29
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 , G06F3/0482 , G06F3/04815 , G06K19/06
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：US20210248856A1
公开(公告)日：2021-08-12
申请号：US16783614
申请日：2020-02-06
Applicant: Mastercard International Incorporated
Inventor： Shawn J. Mehrhoff , Christopher T. Scholl
Abstract: A rollable payment card is shiftable between a flat configuration and a rolled configuration via a manual rolling process. The payment card comprises a verification element, a processor, an electronic display unit in communication with the processor, and a power element providing electrical power to the display unit. The electronic display unit includes an electronic display region configured to display an image. The electronic display region is manually rollable. The payment card in the flat configuration presents horizontally spaced apart first and second ends and vertically spaced apart top and bottom edges. The first end overlaps the second end during the course of the rolling process, with the first end being disposed arcuately past the second end when the payment card is in the rolled configuration.
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公开(公告)号：US20210192610A1
公开(公告)日：2021-06-24
申请号：US16724867
申请日：2019-12-23
Applicant: Mastercard International Incorporated
Inventor： William Raymond Bowie , Regan E. Harmon , Christopher T. Scholl
Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.
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49.发明申请公开(公告)号：US20210160652A1
公开(公告)日：2021-05-27
申请号：US16692794
申请日：2019-11-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： SHAWN MEHRHOFF , Madeline Mueller , Christopher T. Scholl
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.
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50.发明申请公开(公告)号：US20200066074A1
公开(公告)日：2020-02-27
申请号：US16110752
申请日：2018-08-23
Applicant: Mastercard International Incorporated
Inventor： Tara L. Sauer , Christopher T. Scholl
Abstract: A system and computer-implemented method includes the operation of transmitting, via a payment-on-delivery device, a request message to a consumer computing device. The request message includes a request as to whether a consumer wishes to allow a package carrier to actuate an electronic lock. An indication that the package carrier may actuate the electronic lock is received by the payment-on-delivery device, which in response, presents a message to the package carrier asking whether the package carrier wishes to actuate the electronic lock. The package carrier selects to actuate the electronic lock and is presented with an access code for actuating the electronic lock.
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