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公开(公告)号：US10963849B2
公开(公告)日：2021-03-30
申请号：US15808529
申请日：2017-11-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ankit Shreemal , Suneel Bhatt , Avyaktanand Tiwary
Abstract: The present disclosure provides a computer-implemented method for facilitating a cashless transaction between a merchant and a customer, a system implementing the method, and a non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to perform steps of the method. The method includes receiving, from an electronic device of the merchant, a transaction message including merchant identification data, customer identification data, and data on cost of the transaction, retrieving, from a merchant database, a profile of the merchant identified by the merchant identification data, communicating a payment message to a mobile device of the customer identified by the customer identification data, receiving, from the online payment interface accessible by the customer mobile device via the address link, authorization of the transaction by the customer and details of a customer payment vehicle, and transferring the transaction cost from the customer payment vehicle to the merchant financial account.
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公开(公告)号：US20180137485A1
公开(公告)日：2018-05-17
申请号：US15808529
申请日：2017-11-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ankit Shreemal , Suneel Bhatt , Avyaktanand Tiwary
CPC classification number: G06Q20/102 , G06Q20/204 , G06Q20/3223 , G06Q20/3255 , G06Q30/06 , G06Q30/0641
Abstract: The present disclosure provides a computer-implemented method for facilitating a cashless transaction between a merchant and a customer, a system implementing the method, and a non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to perform steps of the method. The method includes receiving, from an electronic device of the merchant, a transaction message including merchant identification data, customer identification data, and data on cost of the transaction, retrieving, from a merchant database, a profile of the merchant identified by the merchant identification data, communicating a payment message to a mobile device of the customer identified by the customer identification data, receiving, from the online payment interface accessible by the customer mobile device via the address link, authorization of the transaction by the customer and details of a customer payment vehicle, and transferring the transaction cost from the customer payment vehicle to the merchant financial account.
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公开(公告)号：US20170178167A1
公开(公告)日：2017-06-22
申请号：US15386112
申请日：2016-12-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Avyaktanand Tiwary , Sharan Bakshiram , Suneel Bhatt
IPC: G06Q30/02
CPC classification number: G06Q30/0205 , G06Q30/0201
Abstract: A method for predicting a demand for a business, the method comprising the steps of: generating purchase preference in at least one target location based on payment transaction information and merchant information retrieved from one or more databases, wherein the payment transaction information relates to a plurality of historical payment transactions made between a plurality of existing merchants and a plurality of consumers and wherein the merchant information comprises a merchant location of each of the plurality of existing merchants; and predicting the demand in the at least one target location, based on the purchase preference.
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公开(公告)号：US20170178166A1
公开(公告)日：2017-06-22
申请号：US15382916
申请日：2016-12-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Avyaktanand Tiwary , Suneel Bhatt , Sanket Nerkar , Sharan Bakshiram
CPC classification number: G06Q30/0205 , G06Q50/12
Abstract: Payment transaction data for consumers who make purchases in a geographical region is used, together with information about restaurants the consumers have made payments to, to obtain statistical data characterizing the restaurant habits of the consumers. This information may be useful for designing marketing operations, or to individuals contemplating opening a restaurant in the region.
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公开(公告)号：US10956921B2
公开(公告)日：2021-03-23
申请号：US15609577
申请日：2017-05-31
Applicant: MasterCard International Incorporated
Inventor： Avyaktanand Tiwary , Sharan Bakshiram , Shikha Mittal
Abstract: A server, with access to information about the spending of consumers, is operative to register when any of the consumers develops a new payment channel which is not tracked by a payment network. In respect of such consumers, the server automatically analyses the tracked spending behavior of the consumers before and after the new spending channel is opened, to identify differences between the spending behavior before and afterwards. By aggregating this information among multiple consumers, and multiple merchant classes, the server obtains data characterizing consumer spending using the new payment channel.
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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：US20170352049A1
公开(公告)日：2017-12-07
申请号：US15609577
申请日：2017-05-31
Applicant: MasterCard International Incorporated
Inventor： Avyaktanand Tiwary , Sharan Bakshiram , Shikha Mittal
CPC classification number: G06Q30/0204 , G06Q20/4093 , G06Q40/12
Abstract: A server, with access to information about the spending of consumers, is operative to register when any of the consumers develops a new payment channel which is not tracked by a payment network. In respect of such consumers, the server automatically analyses the tracked spending behavior of the consumers before and after the new spending channel is opened, to identify differences between the spending behavior before and afterwards. By aggregating this information among multiple consumers, and multiple merchant classes, the server obtains data characterizing consumer spending using the new payment channel.
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公开(公告)号：US20170345108A1
公开(公告)日：2017-11-30
申请号：US15603706
申请日：2017-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sharan Bakshiram , Avyaktanand Tiwary , Shashank Dubey
CPC classification number: G06Q50/14 , G06Q20/12 , G06Q20/389 , G06Q20/405
Abstract: A computer-implemented method for recommending a vacation option for an account holder is provided, including: retrieving historical vacation transaction data relating to a plurality of historical vacation transactions settled for the account holder; processing the historical vacation transaction data to identify vacation characteristics relating to the account holder and a vacation budget representing an amount that the account holder is likely to spend on vacation travel, the vacation characteristics indicating a preferred weather under which the account holder has visited vacation venues identified by the historical vacation transaction data and a preferred time period during which the account holder has visited the vacation venues; retrieving a list of vacation options each associated with a budget that is within the identified vacation budget of the account holder; and recommending a vacation option from the retrieved list of vacation options based on the identified vacation characteristics.
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公开(公告)号：US20170053311A1
公开(公告)日：2017-02-23
申请号：US15240373
申请日：2016-08-18
Applicant: MasterCard International Incorporated
Inventor： Avyaktanand Tiwary , Shikha Goel Mittal , Vikhyat Shukla
IPC: G06Q30/02 , G06K19/077
CPC classification number: G06Q30/0255 , G06K19/077
Abstract: Method and system for displaying an advertisement on a payment card. The method may be executed using a computer coupled to a database and the payment card may comprise a display screen. The method includes: retrieving, using the computer, an advertisement stored on the database; and transmitting the advertisement from the computer to the payment card for displaying the advertisement on the display screen, wherein at least one pre-defined rule is applied to determine the retrieval of the advertisement from the database and/or transmittal of the advertisement to the payment card.
Abstract translation: 用于在支付卡上显示广告的方法和系统。 该方法可以使用耦合到数据库的计算机执行，并且支付卡可以包括显示屏幕。 该方法包括：使用计算机检索存储在数据库上的广告; 以及将所述广告从所述计算机发送到所述支付卡，以在所述显示屏幕上显示所述广告，其中应用至少一个预定义规则来确定所述广告从所述数据库的检索和/或将所述广告传送到所述支付 卡。
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公开(公告)号：US10424029B2
公开(公告)日：2019-09-24
申请号：US15280152
申请日：2016-09-29
Applicant: MasterCard International Incorporated
Inventor： Amit Singh , Avyaktanand Tiwary , Mayank Prakash , Sheetanshu D. Gupta , Sharan Bakshiram
Abstract: Method and system for providing a housing recommendation to a user. The method comprising: determining, using a recommendation module, a spending behavior of the user based on transaction data relating to electronic payment transactions involving the user; dividing, using the recommendation module communicatively coupled with a geographic information system (GIS), a geographical area into a plurality of localities based on geographic information from the GIS; determining, using the recommendation module, an average spending behavior of residents in each locality based on transaction data relating to electronic payment transactions involving the residents; assigning, using the recommendation module, a base score to each locality based on a presence of residents in the locality with similar spending behavior to the user; and transmitting, to a user output module communicatively coupled with the recommendation module, the housing recommendation that is based on the base score of each locality.
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