公开(公告)号：US20240152635A1

公开(公告)日：2024-05-09

申请号：US18388149

申请日：2023-11-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Przemek Praszczalek ,  Farzana Chilwan

IPC: G06F21/60

CPC classification number: G06F21/606

Abstract: Systems and methods are provided for use in securing open service connections. One example computer-implemented method includes initiating communication between a user and an account host as part of a request for an open service connection by the user, whereby the user provides login credentials to the account host for an account issued by the account host to the user. In response to the request, the method includes receiving access tokens for the open service connection from the account host and identifying data for the user and/or the account. The method also includes performing an assessment of the open service connection based on the identifying data, wherein the assessment is based on current and prior usage of the identifying data, and returning the access token and a result of the assessment to the open service customer.

公开(公告)号：US12141765B2

公开(公告)日：2024-11-12

申请号：US18093108

申请日：2023-01-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ankush Gupta ,  Srinivasan Chandrasekharan ,  Jeanne B. Moore ,  John Aprile ,  Farzana Chilwan ,  Brianna Thompson

IPC: G06Q20/02 ,  G06Q20/34 ,  G06Q20/40

Abstract: A method of providing flexibility of an interchange value in card payments via a commercial flexible interchange program includes receiving an authorization request for payment authorization for a transaction from an acquirer. The authorization request includes information of an account of a buyer associated with an issuer and an interchange value. The method further includes, upon determining that the issuer and the acquirer are registered in the commercial flexible interchange program, sending the authorization request for payment authorization for the transaction to the issuer, receiving an authorization response message, and determining whether the authorization response message includes a decline or an authorization for the transaction. In response to determining that the authorization response message includes the decline, passing the authorization response message to the acquirer. In response to determining that the authorization response message includes the authorization, storing the interchange value and sending the authorization response message.

公开(公告)号：US20230214794A1

公开(公告)日：2023-07-06

申请号：US18093108

申请日：2023-01-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ankush Gupta ,  Srinivasan Chandrasekharan ,  Jeanne B. Moore ,  John Aprile ,  Farzana Chilwan ,  Brianna Thompson

IPC: G06Q20/02 ,  G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/027 ,  G06Q20/34 ,  G06Q20/40

Abstract: A method of providing flexibility of an interchange value in card payments via a commercial flexible interchange program includes receiving an authorization request for payment authorization for a transaction from an acquirer. The authorization request includes information of an account of a buyer associated with an issuer and an interchange value. The method further includes, upon determining that the issuer and the acquirer are registered in the commercial flexible interchange program, sending the authorization request for payment authorization for the transaction to the issuer, receiving an authorization response message, and determining whether the authorization response message includes a decline or an authorization for the transaction. In response to determining that the authorization response message includes the decline, passing the authorization response message to the acquirer. In response to determining that the authorization response message includes the authorization, storing the interchange value and sending the authorization response message.