公开(公告)号：US20230071323A1

公开(公告)日：2023-03-09

申请号：US18055257

申请日：2022-11-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Michael Martel Spratt ,  Rahul Deshpande ,  Akeda Hosten ,  Stewart Boling ,  Epher Mendoza ,  Adam Axe ,  Shawn Mehrhoff ,  Christopher T. Scholl ,  David Vorhies

IPC: G06Q20/10 ,  G06Q20/40 ,  G07F19/00 ,  G06Q20/32

Abstract: A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.

公开(公告)号：US20240304316A1

公开(公告)日：2024-09-12

申请号：US18661407

申请日：2024-05-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shawn Mehrhoff ,  Christopher T. Scholl ,  David Vorhies ,  James W. Barkhurst

IPC: G16H40/20 ,  G06N20/00 ,  G06Q40/02

CPC classification number: G16H40/20 ,  G06N20/00 ,  G06Q40/02

Abstract: A computer system for analyzing data using AI modeling tools to detect anomalous data associated with a person. The computer system includes at least one processor and an AI model. The at least one processor is programmed to receive person data associated with the person including payment transaction records, input the person data into the at least one AI model to generate one or more outputs including (i) identifying anomalous data of the person, (ii) identifying at least one present need of the person from the anomalous data, and (iii) outputting a recommendation for addressing the at least one present need and transmit a notification message to a caregiver computer.

公开(公告)号：US20240267370A1

公开(公告)日：2024-08-08

申请号：US18164096

申请日：2023-02-03

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shawn Mehrhoff ,  Dan A. Durbin ,  Pablito Seung Chan Kim Lee ,  Nagendar Kishen Surapaneni ,  David Vorhies

IPC: H04L9/40 ,  G06Q20/38

CPC classification number: H04L63/083 ,  G06Q20/3821

Abstract: A computing system including a processor in communication with a memory with instructions stored thereon is described. The instructions, when executed by the processor, cause the processor to receive application data associated with a user and a first offering, identify whether the user qualifies for the first offering, and compare the application data with stored parameters associated with a second offering. The instructions further cause the processor to, based on the application data satisfying the stored parameters, cause display of a first display area and a second display area at a graphical user interface (GUI) of a user computing device wherein the first display area includes a confirmation indicating whether the user qualifies for the first offering, and the second display area includes a description of the second offering, receive an input indicating acceptance of the second offering, and initiate activation of credentials associated with the second offering.

公开(公告)号：US20250077636A1

公开(公告)日：2025-03-06

申请号：US18458805

申请日：2023-08-30

Applicant: Mastercard International Incorporated

Inventor： Dan A. Durbin ,  Shawn J. Mehrhoff ,  David Vorhies

IPC: G06F21/32 ,  G06F21/45 ,  G06F21/60

Abstract: Techniques are provided for managing a user's digital identity. A method includes providing an option to setup a digital identity on a computing device. The method includes requesting a scan of a physical document that includes personal identifying information of the user. The computing device captures an image of the physical document, and also captures a biometric of the user. The image and the biometric are transmitted to an identity provider for user verification. A digital identity token is received from the identity provider as evidence of the identity of the user. A request to link a financial account of the user to the digital identity token is transmitted to a financial institution of the user. The method includes receiving a billing link identifier from the financial institution. The digital identity token and the billing link identifier are then stored in a personal data store on the computing device.

公开(公告)号：US20250005118A1

公开(公告)日：2025-01-02

申请号：US18217097

申请日：2023-06-30

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： David Vorhies ,  Shawn Mehrhoff ,  Dakota Korzenewski

IPC: G06F21/31

Abstract: Systems and methods are provided for verifying identities of users in connection with a secure meetup. One example computer-implemented method includes receiving meetup details from a first user for a real-world meetup with a second user, where the meetup details include a location of the meetup and an identity attribute(s) of the second user, and compiling and storing a meetup packet for the meetup details. The method then includes determining that a communication device of the first user is within a geofence of the location and, in response: authenticating the first user and sharing an identity attribute(s) of the first user with a second communication device of the second user. The method further includes receiving the identity attribute(s) specific to the second user from the second communication device, comparing the received identity attribute(s) to the meetup packet, and, based on a mismatch therebetween, indicating a warning to the first user.

公开(公告)号：US20240249306A1

公开(公告)日：2024-07-25

申请号：US18627290

申请日：2024-04-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  David Vorhies ,  Regan E. Harmon ,  Shawn Mehrhoff

IPC: G06Q30/0207 ,  B60W40/09 ,  G06F11/34 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/59 ,  G06V40/12 ,  G07C5/00

CPC classification number: G06Q30/0207 ,  B60W40/09 ,  G06F11/3438 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/597 ,  G06V40/1365 ,  G07C5/008

Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

公开(公告)号：US20240104532A1

公开(公告)日：2024-03-28

申请号：US18535861

申请日：2023-12-11

Applicant: Mastercard International Incorporated

Inventor： Christopher T. Scholl ,  David Vorhies ,  Shawn Mehrhoff

IPC: G06Q20/10 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q40/02

CPC classification number: G06Q20/108 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/40145 ,  G06Q40/02 ,  G06Q20/385

Abstract: A token management computing system for provisioning at least one secure payment token for use in payment transactions is provided. The token management computing system includes a token storage device in communication with a plurality of user computing devices each associated with a respective user, and a token management (“TM”) server. The TM server is programmed to receive a token request for at least one token, generate, upon receiving the token request, the at least one token, wherein the at least one token includes at least one of i) a prepaid token including prepaid funds, ii) multiple tokens each associated with a different user, and iii) a budgeting token associated with a plurality of virtual budget accounts.