-
公开(公告)号：US12293368B2
公开(公告)日：2025-05-06
申请号：US17567015
申请日：2021-12-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Warda Zahid Khan , Felix Johannes Flory , Adam Kenneth Hosp , Chengxi Li , Christopher John Merz
Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.
-
2.发明授权公开(公告)号：US10685301B2
公开(公告)日：2020-06-16
申请号：US15639588
申请日：2017-06-30
Applicant: Mastercard International Incorporated
Inventor： Andrew J. Smith , Siddique Hameed , Michael K. Forbis , Stewart Boling , Adam Kenneth Hosp , Ted P. Sanders, Jr.
IPC: G06Q10/06 , G06Q20/40 , G06Q20/10 , G06N3/00 , G06F16/22 , G06F16/33 , G06Q20/20 , G06Q30/00 , G06F16/242 , G06F40/30 , G06F40/295 , G06N5/04
Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.
-
公开(公告)号：US20190164155A1
公开(公告)日：2019-05-30
申请号：US15826137
申请日：2017-11-29
Applicant: MasterCard International Incorporated
Inventor： Adam Kenneth Hosp
Abstract: A method includes receiving a bank identification number (BIN) that defines a range of indicator numbers, and generating a plurality of primary account numbers (PANs) that start with that BIN. The method further includes generating a plurality of tokens that start with the same BIN. The PANs may have a prescribed length in digits that differs from the prescribed length in digits for the tokens. Thus tokens can be distinguished from PANs based on length in digits, even though the PANs and tokens may be formed with the same BIN.
-
公开(公告)号：US09875385B1
公开(公告)日：2018-01-23
申请号：US15332269
申请日：2016-10-24
Applicant: MasterCard International Incorporated
Inventor： Derek Humphreys , Stephen Elder , Edward Kilbane , Ramson Tutte , John Clerkin , Adam Kenneth Hosp , Sarah Louise Cunningham , Rebecca Fredric , Paul Lawless
CPC classification number: G06K7/10861 , G06Q20/0457 , G06Q30/0635 , G06Q30/0637 , G07G5/00
Abstract: A method for transmitting line item data from an electronic receipt comprising storing a plurality of receipt data entries affiliated with a consumer account based on a consumer identifier. The method comprises storing a plurality of merchant identifiers affiliated with one or more product data files for products sold by a merchant. The method further receives a transaction message for a payment transaction using the consumer identifier via a payment network and executes a query on the electronic receipt database from a first consumer device to identify one or more products purchased in the payment transaction. The method generates an electronic receipt displaying purchase information for the one or more products and links the purchase information on the electronic receipt to the product data file for the one or more products for transmittal.
-
公开(公告)号：US20200302442A1
公开(公告)日：2020-09-24
申请号：US16723359
申请日：2019-12-20
Applicant: MasterCard International Incorporated
Inventor： Adam Kenneth Hosp
Abstract: Systems, methods and computer program code are provided for receiving a token and a request to generate a sub-token based on the token, identifying an association between the token and a primary account number (PAN) of a user, generating a sub-token associated with the token and the PAN, and providing the sub-token for use in a payment transaction.
-
Patent Agency Ranking
6.发明申请公开(公告)号：US20200058079A1
公开(公告)日：2020-02-20
申请号：US16103768
申请日：2018-08-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Adam Kenneth Hosp , Ted P. Sanders , Ellen Christine Walz , Andrew J. Smith , Stephen Bongner
Abstract: A simulation and optimization (SO) computing device is configured to receive a request for an intelligent budget, and retrieve historical data for purchase transactions initiated over a period of time. The SO computing device is also configured to assign each purchase transaction one budget class, generate a historical budget model based upon the purchase transactions and budget classes, the historical budget model representing historical spending behavior over the period of time, and execute future budget simulations based upon the historical budget model, each future budget simulation identifying a possible future spending behavior of the user. The SO computing device is further configured to generate intelligent budgets based upon the future budget simulations, wherein each intelligent budget is generated based upon a respective possible future spending behavior that satisfies at least one user-defined budget constraint, cause the intelligent budgets to be displayed, and receive a selection of a user-selected intelligent budget.
-
公开(公告)号：US20150332276A1
公开(公告)日：2015-11-19
申请号：US14809224
申请日：2015-07-26
Applicant: MasterCard International Incorporated
Inventor： Adam Kenneth Hosp
IPC: G06Q20/42
Abstract: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.
Abstract translation: 可以使用数据共享平台来实现一种允许至少一个通过支付网络进行支付的实体共享交易数据的方法。 包含来自使用支付网络进行支付的至少一个实体的交易数据的数据库被维持。 提供了一种用户界面，该用户界面呈现至少一个使用支付网络进行支付的实体，其中至少一个选择提供与至少一个第三方共享交易数据的至少一部分的同意。 经由所述至少一个选择获得来自支付网络进行支付的至少一个实体的同意。 与至少一个第三方进行交互以共享交易数据的至少部分。
-
公开(公告)号：US09092828B2
公开(公告)日：2015-07-28
申请号：US13622433
申请日：2012-09-19
Applicant: MasterCard International Incorporated
Inventor： Adam Kenneth Hosp
Abstract: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.
Abstract translation: 可以使用数据共享平台来实现一种允许至少一个通过支付网络进行支付的实体共享交易数据的方法。 包含来自使用支付网络进行支付的至少一个实体的交易数据的数据库被维持。 提供了一种用户界面，该用户界面呈现至少一个使用支付网络进行支付的实体，其中至少一个选择提供与至少一个第三方共享交易数据的至少一部分的同意。 经由所述至少一个选择获得来自支付网络进行支付的至少一个实体的同意。 与至少一个第三方进行交互以共享交易数据的至少部分。
-
公开(公告)号：US11537644B2
公开(公告)日：2022-12-27
申请号：US15614727
申请日：2017-06-06
Applicant: Mastercard International Incorporated
Inventor： Andrew J. Smith , Saravana Perumal Shanmugam , Adam Kenneth Hosp , Ted P. Sanders, Jr. , Michael K. Forbis , Sarala Buradagunta
IPC: G06F16/00 , G06F16/332 , G06Q10/06 , G10L15/18 , G06F16/435 , G06F16/242
Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.
-
公开(公告)号：US20220122087A1
公开(公告)日：2022-04-21
申请号：US17567015
申请日：2021-12-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Warda Zahid Khan , Felix Johannes Flory , Adam Kenneth Hosp , Chengxi Li , Christopher John Merz
Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.
-
-
-
-
-
-
-
-
-
Search Results
28
records
(took 0.015 seconds)
