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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
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.
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公开(公告)号：US20220207534A1
公开(公告)日：2022-06-30
申请号：US17138395
申请日：2020-12-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： James W. Barkhurst , Christopher T. Scholl
Abstract: Provided herein is a computing system for electronically transmitting a token linked to personally identifying information (PII) of a user to a merchant. The computing system includes a processor in communication at a memory device, and the processor is programmed to: (i) receive PII, issued payment instrument data, and a user identifier associated with a user, (ii) store the PII, issued payment instrument data, and user identifier in the memory device, (iii) receive an identification request for a user associated with a transaction including payment instrument data, (iv) perform a lookup in the memory device to retrieve the PII of the user and the stored user identifier associated with the received payment instrument data, (v) receive a user input identifier from the user to authenticate the user, (vi) generate a token that links the PII of the user to the transaction, and (vii) transmit the token to the merchant.
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公开(公告)号：US11321689B2
公开(公告)日：2022-05-03
申请号：US16601115
申请日：2019-10-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , James W. Barkhurst , Shawn Mehrhoff
Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.
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公开(公告)号：US12165150B2
公开(公告)日：2024-12-10
申请号：US17138395
申请日：2020-12-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： James W. Barkhurst , Christopher T. Scholl
Abstract: Provided herein is a computing system for electronically transmitting a token linked to personally identifying information (PII) of a user to a merchant. The computing system includes a processor in communication at a memory device, and the processor is programmed to: (i) receive PII, issued payment instrument data, and a user identifier associated with a user, (ii) store the PII, issued payment instrument data, and user identifier in the memory device, (iii) receive an identification request for a user associated with a transaction including payment instrument data, (iv) perform a lookup in the memory device to retrieve the PII of the user and the stored user identifier associated with the received payment instrument data, (v) receive a user input identifier from the user to authenticate the user, (vi) generate a token that links the PII of the user to the transaction, and (vii) transmit the token to the merchant.
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5.发明申请公开(公告)号：US20210158957A1
公开(公告)日：2021-05-27
申请号：US16696217
申请日：2019-11-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Shawn Mehrhoff , Christopher T. Scholl , James W. Barkhurst
Abstract: A computer-implemented method for aiding a caregiver in monitoring the needs of a person includes monitoring a plurality of transaction parameters of the person and determining if at least one of the plurality of transaction parameters being monitored satisfies a transaction parameter alert criterion. In response to at least one of the transaction parameters satisfying the transaction parameter alert criterion, a first need of the person is determined. Further, a service provider database is queried to retrieve a first service provider record having a service provider description associated with the first need of the person. A referral message identifying the service provider associated with the first service provider record is transmitted to the caregiver.
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Patent Agency Ranking
公开(公告)号：US20220261778A1
公开(公告)日：2022-08-18
申请号：US17734817
申请日：2022-05-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , James W. Barkhurst , Shawn Mehrhoff
Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.
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公开(公告)号：US20220115126A1
公开(公告)日：2022-04-14
申请号：US17496706
申请日：2021-10-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , Shawn Mehrhoff , James W. Barkhurst
Abstract: A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.
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公开(公告)号：US11288733B2
公开(公告)日：2022-03-29
申请号：US16191072
申请日：2018-11-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , James W. Barkhurst
IPC: G06Q30/06 , G06T19/00 , G06F3/0482 , G06F3/04815 , G06K19/06
Abstract: A 3D interface generator computing device (“3D device”) is provided. The 3D device includes at least one sensor, a projector, and a memory that stores (i) a 3D image including 3D elements, (ii) identification for individuals, each associated with an element, and (iii) list data associated with an individual and purchase options. The 3D device includes at least one processor coupled to the memory, the projector, and the sensor. The processor is configured to project the 3D image into a real-world space. The 3D device also receives a first interaction with a 3D element, retrieves the individual associated with the 3D element and a set of list data associated with the individual. The 3D device overlays purchase option images onto the 3D image, each representing an option in the list data, receives a second interaction with a purchase option image, and generates a purchase transaction request for the purchase option.
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公开(公告)号：US20250104071A1
公开(公告)日：2025-03-27
申请号：US18973988
申请日：2024-12-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： James W. Barkhurst , Christopher T. Scholl
Abstract: Provided herein is a computing system for electronically transmitting a token linked to personally identifying information (PII) of a user to a merchant. The computing system includes a processor in communication at a memory device, and the processor is programmed to: (i) receive PII, issued payment instrument data, and a user identifier associated with a user, (ii) store the PII, issued payment instrument data, and user identifier in the memory device, (iii) receive an identification request for a user associated with a transaction including payment instrument data, (iv) perform a lookup in the memory device to retrieve the PII of the user and the stored user identifier associated with the received payment instrument data, (v) receive a user input identifier from the user to authenticate the user, (vi) generate a token that links the PII of the user to the transaction, and (vii) transmit the token to the merchant.
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公开(公告)号：US12205582B2
公开(公告)日：2025-01-21
申请号：US17496706
申请日：2021-10-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher T. Scholl , Shawn Mehrhoff , James W. Barkhurst
IPC: G10L15/22
Abstract: A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.
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