公开(公告)号：US11017463B2

公开(公告)日：2021-05-25

申请号：US15791537

申请日：2017-10-24

Applicant: Mastercard International Incorporated

Inventor： Christine Chu ,  Tyler C. Welsh ,  Jo-Anne Loh

IPC: G06Q40/00 ,  G06Q40/02 ,  G06F16/9535 ,  G06F16/2457 ,  G06K9/00

Abstract: A method for providing recommendations based on emotional intelligence includes: storing an account profile including a structured data set related to a transaction account including an account identifier, a budget restriction, and baseline biometric characteristics; receiving transaction data related to a proposed transaction including transactional information non-compliant with the budget restriction; receiving current biometric characteristics of an individual associated with the proposed transaction; determining impulsiveness of the proposed transaction based on a comparison of the baseline biometric characteristics to the current biometric characteristics; and transmitting a transaction recommendation based on the determined impulsiveness, wherein the recommendation is to proceed with the proposed transaction if the proposed transaction is determined to not be impulsive, and the recommendation is to not proceed with the proposed transaction if the proposed transaction is determined to be impulsive.

公开(公告)号：US10789579B2

公开(公告)日：2020-09-29

申请号：US15625582

申请日：2017-06-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Karin J. Levi ,  David Javitch ,  Jia-Ming Yuan ,  Jo-Anne Loh ,  Jessica Miyono Phoa ,  Christine Chu ,  Jean Kim

IPC: G06Q20/08 ,  G06Q20/20 ,  G06Q50/14 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/40 ,  G06F21/62 ,  G07C9/27

Abstract: Systems and methods are provided for facilitating purchase transactions for travel. One exemplary system comprises a memory including a user profile associated with a secondary user and a payment account, and a processor in communication with the memory. The processor is configured to access the user profile in the memory, and display an available destination for travel based on the user profile. The processor is also configured, in response to selection of the available destination, to display a travel option to the secondary for travel to the available destination, and in response to selection of the travel option, to provide a credential associated with the payment account, thereby permitting a point-of-sale computing device associated with a merchant of the selected travel option to capture the credential and initiate a purchase transaction for the selected travel option.

公开(公告)号：US10482228B2

公开(公告)日：2019-11-19

申请号：US15676017

申请日：2017-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Tyler C. Welsh ,  Jo-Anne Loh ,  Christine Chu

IPC: G06F21/00 ,  G06F21/32 ,  G06F3/01 ,  G06T19/00 ,  G06Q20/40 ,  G06Q10/10 ,  G06F21/31

Abstract: Systems and methods are provided for authenticating users in virtual settings. One exemplary method includes receiving a network transaction request from a user in a virtual setting and prompting the user for a motion ID associated with an account available for use in the virtual setting to facilitate the network transaction. The method also includes capturing a movement of the user in the virtual setting while masking the movement from other users in the virtual setting. The exemplary method further includes comparing the captured movement to the motion ID and compiling and transmitting an authorization request for the network transaction when the captured movement matches the motion ID.

公开(公告)号：US20190050547A1

公开(公告)日：2019-02-14

申请号：US15676017

申请日：2017-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Tyler C. Welsh ,  Jo-Anne Loh ,  Christine Chu

IPC: G06F21/32 ,  G06F3/01 ,  G06T19/00 ,  G06Q20/40

CPC classification number: G06F21/32 ,  G06F3/011 ,  G06F3/017 ,  G06F21/316 ,  G06Q10/10 ,  G06Q20/40 ,  G06Q20/40145 ,  G06T19/006

Abstract: Systems and methods are provided for authenticating users in virtual settings. One exemplary method includes receiving a network transaction request from a user in a virtual setting and prompting the user for a motion ID associated with an account available for use in the virtual setting to facilitate the network transaction. The method also includes capturing a movement of the user in the virtual setting while masking the movement from other users in the virtual setting. The exemplary method further includes comparing the captured movement to the motion ID and compiling and transmitting an authorization request for the network transaction when the captured movement matches the motion ID.

公开(公告)号：US20180365661A1

公开(公告)日：2018-12-20

申请号：US15625582

申请日：2017-06-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Karin J. Levi ,  David Javitch ,  Jia-Ming Yuan ,  Jo-Anne Loh ,  Jessica Miyono Phoa ,  Christine Chu ,  Jean Kim

IPC: G06Q20/08 ,  G06Q20/20 ,  G06Q50/14

Abstract: Systems and methods are provided for facilitating purchase transactions for travel. One exemplary system comprises a memory including a user profile associated with a secondary user and a payment account, and a processor in communication with the memory. The processor is configured to access the user profile in the memory, and display an available destination for travel based on the user profile. The processor is also configured, in response to selection of the available destination, to display a travel option to the secondary for travel to the available destination, and in response to selection of the travel option, to provide a credential associated with the payment account, thereby permitting a point-of-sale computing device associated with a merchant of the selected travel option to capture the credential and initiate a purchase transaction for the selected travel option.