公开(公告)号：US10977703B2

公开(公告)日：2021-04-13

申请号：US15868227

申请日：2018-01-11

Applicant: Mastercard International Incorporated

Inventor： Prashant Sharma ,  Manash Bhattacharjee ,  Joseph Hayes

IPC: G06Q30/00 ,  G06Q30/06 ,  G06F16/951

Abstract: A method for providing a confidence score for a seller in an online marketplace includes: storing account profiles, each including one or more unique account identifiers for one or more online marketplaces; storing activity data entries, each including data for transactional activity in an online marketplace including a marketplace identifier, two or more transacting account identifiers, and activity data; receiving a confidence request that includes a specific account identifier and marketplace identifier; identifying a specific account profile that includes the specific account identifier; identifying a set of activity data entries where a transacting account identifier matches a unique account identifier in the specific account profile; determining a confidence score for the specific account profile based on the activity data included in the identified set of activity data entries; and transmitting the confidence score in response to the received confidence request.

公开(公告)号：US10970702B2

公开(公告)日：2021-04-06

申请号：US16267173

申请日：2019-02-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Prashant Sharma ,  Joshua Joseph Baron ,  Deepankar Bhagat

IPC: G06Q30/00 ,  G06Q20/22 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q30/06

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device including at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method includes receiving a selection message from the buyer computing device indicating a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method includes reserving at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

公开(公告)号：US20210021589A1

公开(公告)日：2021-01-21

申请号：US16513552

申请日：2019-07-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sandeep Malhotra ,  Rajat Maheshwari ,  Prashant Sharma

IPC: H04L29/06

Abstract: Systems and methods are provided for binding an IoT device with an identity of a user, whereby action by the IoT device may be attributed to the user. One exemplary method includes receiving identifying data for a user, transmitting an OTP to the user, and receiving an OTP from the user. When the received OTP matches the transmitted OTP, the method includes compiling an identity for the user based on the identifying data, receiving an IoT device ID associated with an IoT device, and appending the IoT device ID to the identity of the user. The method further includes seeking authentication of the user at a communication device of the user, in response to a request indicator from the IoT device, and providing to the IoT device, in response, a confirmation of authentication of the user and/or a portion of the identifying data from the stored identity of the user.

公开(公告)号：US10896477B2

公开(公告)日：2021-01-19

申请号：US16239695

申请日：2019-01-04

Applicant: Mastercard International Incorporated

Inventor： Sandeep Malhotra ,  Rajen S. Prabhu ,  Prashant Sharma ,  Jiaming Li ,  Jie Zhang

IPC: G06Q50/26 ,  G06Q40/02 ,  G06Q20/32 ,  G06Q20/38

Abstract: According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

公开(公告)号：US20180189872A1

公开(公告)日：2018-07-05

申请号：US15399318

申请日：2017-01-05

Applicant: MasterCard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashanna S. Tiwaree ,  Prashant Sharma

IPC: G06Q40/02 ,  G06Q30/02

CPC classification number: G06Q40/025 ,  G06Q30/0204 ,  G06Q40/02

Abstract: A scoring engine computing device for generating personalized lending scores is provided. The scoring engine computing device receives a request including a cardholder identifier associated with a candidate cardholder, determines demographic data associated with the candidate cardholder, and retrieves transaction data for a plurality of cardholders including the candidate cardholder and a set of peer cardholders. Each cardholder of the set of peer cardholders is associated with the determined demographic data of the candidate cardholder, and the transaction data is associated with transactions for a plurality of spending categories. The scoring engine computing device further normalizes the transaction data associated with the candidate cardholder by category, generates a personalized lending score associated with the candidate cardholder that indicates a spending trend of the candidate cardholder, and transmits the personalized lending score to a requestor computing device.

公开(公告)号：US20170193800A1

公开(公告)日：2017-07-06

申请号：US15467875

申请日：2017-03-23

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Antonio Marra ,  Prashant Sharma ,  Mark Richard Anderson

IPC: G08B21/24 ,  G06F17/30 ,  H04W4/00 ,  G06Q20/34 ,  H04W4/02 ,  H04W8/00

CPC classification number: G08B21/24 ,  G06F17/30864 ,  G06Q20/341 ,  H04W4/023 ,  H04W4/80 ,  H04W8/005

Abstract: A system, method, and computer-readable storage medium configured to track the location of lost payment cards.

公开(公告)号：US20170109773A1

公开(公告)日：2017-04-20

申请号：US14885506

申请日：2015-10-16

Applicant: MasterCard International Incorporated

Inventor： Deepankar Bhagat ,  Mark N. Savoye ,  Prashant Sharma

IPC: G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q50/00

CPC classification number: G06Q30/0226 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q50/01

Abstract: A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.

公开(公告)号：US20160078428A1

公开(公告)日：2016-03-17

申请号：US14485139

申请日：2014-09-12

Applicant: MasterCard International Incorporated

Inventor： Scott Moser ,  Amyn Mohamed Dhala ,  David James Lim ,  Ryan Bartholomew Joseph Crowe ,  Nathaniel David Byrd ,  Eric Ray Kitchen ,  Adam David Gluck ,  Prashant Sharma

IPC: G06Q20/36

CPC classification number: G06Q20/4014 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/3223 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4012 ,  H04L63/10

Abstract: A system and method for facilitating use of a digital electronic wallet by a cardholder for cashless transactions. The method comprises receiving a selection by a first cardholder to pair a first digital wallet held by a first wallet holder with a first merchant, the first digital wallet having therein an electronic representation of at least one payment device usable to fund a cashless transaction, and verifying the cardholder's identity. Thereafter, facilitating a communication between the first cardholder and the first wallet holder to record consent by the first cardholder to share wallet information with the first merchant. The present disclosure further comprises receiving from the first wallet holder authorization to generate a wallet token usable for acquiring wallet information on behalf of the first merchant, using the first digital wallet as selected by the first cardholder, and preparing a merchant token corresponding to the wallet token. The merchant token is provided to the first merchant, for presentation to access wallet information, including payment card information on a cashless transaction.

Abstract translation: 一种促进持卡人使用数字电子钱包进行无现金交易的系统和方法。 该方法包括接收第一持卡人的选择以将由第一钱包持有者所持有的第一数字钱包与第一商家进行配对，该第一数字钱包具有可用于资助无现金交易的至少一个支付装置的电子表示，以及 验证持卡人的身份。 此后，促进第一持卡人和第一钱夹持有人之间的通信，以记录第一持卡人与第一商人共享钱包信息的同意。 本公开还包括从第一钱包持有人授权，使用由第一持卡人选择的第一数字钱包生成可用于代表第一商家获取钱包信息的钱包令牌，以及准备对应于该钱包的商家令牌 令牌 将商家令牌提供给第一商家，以便呈现以访问钱包信息，包括关于无现金交易的支付卡信息。

公开(公告)号：US09195820B2

公开(公告)日：2015-11-24

申请号：US13969684

申请日：2013-08-19

Applicant: MasterCard International Incorporated

Inventor： John D. O'Neill ,  Eric Alger ,  Scott W. Anderson, Jr. ,  Joshua J. Baron ,  Matthew R. Cahalin ,  Ryan T. Dunn ,  Richard D. d'Erizans ,  Gregg A. Hill ,  Matthew E. Hopkins ,  Justin T. Katen ,  Cynthia E. Pilling ,  James B. Schelker ,  Prashant Sharma ,  Jenny Q. Zhang

IPC: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06F21/33 ,  G06F21/41 ,  G06F21/31

CPC classification number: G06F21/33 ,  G06F21/31 ,  G06F21/41 ,  G06F2221/2113 ,  H04L63/0815 ,  H04L63/105 ,  H04W12/06

Abstract: A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. The computer system is programmed to identify a security level from a plurality of security levels for each computer application within the plurality of computer applications. The plurality of security levels include at least a first-tier security level and a second-tier security level. The second-tier security level requires additional authentication information as compared to the first-tier security level. The computer system is also programmed to create a user account for a user within the memory device with the first-tier security level, and to determine that the user account requires the second-tier security level, and prompt the user to enter the additional authentication information. The computer system is also programmed to promote the user account to the second-tier security level.

Abstract translation: 提供了一种用于验证对多个计算机应用的至少一个计算机应用的用户访问的计算机系统。 计算机系统包括存储装置和处理器。 计算机系统被编程为从多个计算机应用程序内的每个计算机应用程序的多个安全级别识别安全级别。 多个安全级别至少包括第一级安全级别和第二级安全级别。 与第一级安全级别相比，第二层安全级别需要额外的身份验证信息。 计算机系统还被编程为利用第一级安全级别为存储器设备内的用户创建用户帐户，并且确定用户帐户需要第二级安全级别，并提示用户输入附加认证 信息。 计算机系统也被编程为将用户帐户推广到二级安全级别。

公开(公告)号：US20150235309A1

公开(公告)日：2015-08-20

申请号：US14183829

申请日：2014-02-19

Applicant: MasterCard International Incorporated

Inventor： Sandeep Malhotra ,  Rajen S. Prabhu ,  Prashant Sharma ,  Jiaming Li ,  Jie Zhang

IPC: G06Q40/02 ,  G06Q20/34

CPC classification number: G06Q40/02 ,  G06Q10/00 ,  G06Q20/34

Abstract: Methods and systems for providing business services solutions for small and medium enterprises (SMEs) owned by merchants in developed markets and in developing markets. In some embodiments, a merchant enrolls with a merchant issuer financial institution (FI) and then receives an SME financial account, a suite of shared SME business service applications, and access to a payment card acceptance service for use in setting up and scaling their business. In an implementation, the process includes receiving a request for an SME business platform, validating merchant identification data, providing an SME financial account to the merchant, transmitting an SME business platform acceptance message, and transmitting an SME business platform to the merchant device. The SME business platform includes a payment card account acceptance application and at least one business services application configured for running on the merchant device.

Abstract translation: 为发达市场和发展中市场的商家拥有的中小企业提供商业服务解决方案和系统。 在一些实施例中，商家与商业发行人金融机构（FI）注册，然后接收中小企业金融账户，一组共享的中小企业业务服务应用程序，以及访问支付卡接受服务以用于设置和扩展其业务 。 在一个实现中，该过程包括接收对SME业务平台的请求，验证商家识别数据，向商家提供SME金融账户，发送SME业务平台接受消息，以及向商家设备发送SME业务平台。 SME业务平台包括支付卡账户验收申请和至少一个业务服务应用，配置为在商家设备上运行。