公开(公告)号：US20180039984A1

公开(公告)日：2018-02-08

申请号：US15225984

申请日：2016-08-02

Applicant: MasterCard International Incorporated

Inventor： John O'Neill ,  Jennifer Boschert ,  Shasidhar Vemireddy

IPC: G06Q20/40 ,  H04L12/26 ,  G06Q20/20

CPC classification number: G06Q20/405 ,  G06Q20/4033

Abstract: Embodiments of the disclosure enable a merchant system to locally process one or more financial transactions at the merchant system. The merchant system receives a payment request associated with a financial transaction, determines a network communication status associated with a network interface device coupleable to a payment processing network, and, on condition that the network communication status does not satisfy a network communication threshold, obtains an account threshold associated with a cardholder account, generates transaction data associated with the financial transaction based on the account threshold, presents an indication associated with the financial transaction, and stores the transaction data for later transmission of the transaction data to the payment processing network. Aspects of the disclosure provide for processing one or more financial transactions at a merchant system independent of a payment processing network.

公开(公告)号：US20230077960A1

公开(公告)日：2023-03-16

申请号：US17899497

申请日：2022-08-30

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Bryn Anthony Robinson-Morgan ,  Liang Tian ,  Prashant Sharma ,  John O'Neill

IPC: H04L43/06 ,  H04L45/00

Abstract: Systems and methods are provided for generating audit log entries for data packet transactions. One example computer-implemented method includes, in response to a request to share data about a user with a first party, retrieving data identified in the request and generating a transaction ID for the request where the transaction ID is unique to the request to share the data. The method also includes compiling a data packet including at least the transaction ID and the identified data, and generating a signature value for the data packet. The method then further includes transmitting, by the computing device, the data packet to the first party as a transaction and appending an entry to an audit log, which includes the transaction ID and the signature value, but not the identified data.

公开(公告)号：US10733611B2

公开(公告)日：2020-08-04

申请号：US15225984

申请日：2016-08-02

Applicant: MasterCard International Incorporated

Inventor： John O'Neill ,  Jennifer Boschert ,  Shasidhar Vemireddy

IPC: G06Q20/40

Abstract: Embodiments of the disclosure enable a merchant system to locally process one or more financial transactions at the merchant system. The merchant system receives a payment request associated with a financial transaction, determines a network communication status associated with a network interface device coupleable to a payment processing network, and, on condition that the network communication status does not satisfy a network communication threshold, obtains an account threshold associated with a cardholder account, generates transaction data associated with the financial transaction based on the account threshold, presents an indication associated with the financial transaction, and stores the transaction data for later transmission of the transaction data to the payment processing network. Aspects of the disclosure provide for processing one or more financial transactions at a merchant system independent of a payment processing network.

公开(公告)号：US20230291731A1

公开(公告)日：2023-09-14

申请号：US17692140

申请日：2022-03-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： John O'Neill ,  Ji Eun Cha ,  Prashant Sharma ,  Przemek Praszczalek

IPC: H04L9/40

CPC classification number: H04L63/0853 ,  H04L63/0861

Abstract: Systems and methods are provided for use in monitoring decentralized data structures including identity attributes, through tokenization of the attributes. One example computer-implemented method includes receiving a request associated with a digital identity including multiple attributes and, for each of the attributes in the request, generating a token specific to the attribute, searching for the generated token in a network graph having multiple stored tokens, and identifying one of the multiple stored tokens as a match to the generated token. The computer-implemented method then further includes, for each of the attributes in the request, retrieving additional ones of the multiple stored tokens linked to the identified one of the stored tokens, comparing the retrieved tokens to the generated token, and promoting the request for further action, in response to at least one of the retrieved tokens being inconsistent with the generated token.