公开(公告)号：US09195820B2

公开(公告)日：2015-11-24

申请号：US13969684

申请日：2013-08-19

Applicant: MasterCard International Incorporated

Inventor： John D. O'Neill ,  Eric Alger ,  Scott W. Anderson, Jr. ,  Joshua J. Baron ,  Matthew R. Cahalin ,  Ryan T. Dunn ,  Richard D. d'Erizans ,  Gregg A. Hill ,  Matthew E. Hopkins ,  Justin T. Katen ,  Cynthia E. Pilling ,  James B. Schelker ,  Prashant Sharma ,  Jenny Q. Zhang

IPC: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/06 ,  G06F21/33 ,  G06F21/41 ,  G06F21/31

CPC classification number: G06F21/33 ,  G06F21/31 ,  G06F21/41 ,  G06F2221/2113 ,  H04L63/0815 ,  H04L63/105 ,  H04W12/06

Abstract: A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. The computer system is programmed to identify a security level from a plurality of security levels for each computer application within the plurality of computer applications. The plurality of security levels include at least a first-tier security level and a second-tier security level. The second-tier security level requires additional authentication information as compared to the first-tier security level. The computer system is also programmed to create a user account for a user within the memory device with the first-tier security level, and to determine that the user account requires the second-tier security level, and prompt the user to enter the additional authentication information. The computer system is also programmed to promote the user account to the second-tier security level.

Abstract translation: 提供了一种用于验证对多个计算机应用的至少一个计算机应用的用户访问的计算机系统。 计算机系统包括存储装置和处理器。 计算机系统被编程为从多个计算机应用程序内的每个计算机应用程序的多个安全级别识别安全级别。 多个安全级别至少包括第一级安全级别和第二级安全级别。 与第一级安全级别相比，第二层安全级别需要额外的身份验证信息。 计算机系统还被编程为利用第一级安全级别为存储器设备内的用户创建用户帐户，并且确定用户帐户需要第二级安全级别，并提示用户输入附加认证 信息。 计算机系统也被编程为将用户帐户推广到二级安全级别。

公开(公告)号：US20150052587A1

公开(公告)日：2015-02-19

申请号：US13969684

申请日：2013-08-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： John D. O'Neill ,  Eric Alger ,  Scott W. Anderson, JR. ,  Joshua J. Baron ,  Matthew R. Cahalin ,  Ryan T. Dunn ,  Richard D. d'Erizans ,  Gregg A. Hill ,  Matthew E. Hopkins ,  Justin T. Katen ,  Cynthia E. Pilling ,  James B. Schelker ,  Prashant Sharma ,  Jenny Q. Zhang

IPC: G06F21/33

CPC classification number: G06F21/33 ,  G06F21/31 ,  G06F21/41 ,  G06F2221/2113 ,  H04L63/0815 ,  H04L63/105 ,  H04W12/06

Abstract: A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. The computer system is programmed to identify a security level from a plurality of security levels for each computer application within the plurality of computer applications. The plurality of security levels include at least a first-tier security level and a second-tier security level. The second-tier security level requires additional authentication information as compared to the first-tier security level. The computer system is also programmed to create a user account for a user within the memory device with the first-tier security level, and to determine that the user account requires the second-tier security level, and prompt the user to enter the additional authentication information. The computer system is also programmed to promote the user account to the second-tier security level.

Abstract translation: 提供了一种用于验证对多个计算机应用的至少一个计算机应用的用户访问的计算机系统。 计算机系统包括存储装置和处理器。 计算机系统被编程为从多个计算机应用程序内的每个计算机应用程序的多个安全级别识别安全级别。 多个安全级别至少包括第一级安全级别和第二级安全级别。 与第一级安全级别相比，第二层安全级别需要额外的身份验证信息。 计算机系统还被编程为利用第一级安全级别为存储器设备内的用户创建用户帐户，并且确定用户帐户需要第二级安全级别，并提示用户输入附加认证 信息。 计算机系统也被编程为将用户帐户推广到二级安全级别。

公开(公告)号：US11107078B2

公开(公告)日：2021-08-31

申请号：US16029156

申请日：2018-07-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Murugalakshmanan Mariappan ,  Joshua J. Baron ,  Todd Healy

IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/32

Abstract: A computer system is configured to provide a payment card security application programming interface (API) for providing a payment card security score to a partner entity computer system. Responsive to receipt of user identification data for a card holder from the partner entity computer system via the API, the computer system retrieves payment card electronic funds transfer (EFT) transaction data records corresponding to the card holder, and determines a transaction type and security level associated for the user's transactions. The computer system generates, based on the determined security level for each of the transactions, a security score for the card holder. The partner entity computer system provides the user identification data for the card holder to the payment card security API responsive to receipt of an authorization request for a new transaction. The partner entity computer system may determine whether to approve or deny the new payment card EFT transaction based upon the security score.

公开(公告)号：US10325348B2

公开(公告)日：2019-06-18

申请号：US15791828

申请日：2017-10-24

Applicant: Mastercard International Incorporated

Inventor： Joshua J. Baron ,  Murugalakshmanan Mariappan ,  Jason Eckert

IPC: G06T3/40 ,  G06F16/56 ,  G06F16/51

Abstract: A method for generating a plurality of vector images with specified dimensions includes: storing a composite image comprised of one or more base vector graphics images; receiving a data file from an external computing system, wherein the data file includes a plurality of dimensional data sets, each dimensional data set comprising at least a length and a height; parsing the received data file to identify each of the plurality of dimensional data sets and the associated length and width; generating a vector graphics image file for each of the plurality of dimensional data sets, wherein the vector graphics image file comprises an image based on the stored composite image and has dimensions based on the length and height associated with the respective dimensional data set; and transmitting the generated vector graphics image file for each of the plurality of dimensional data sets to the external computing system.

公开(公告)号：US20170076309A1

公开(公告)日：2017-03-16

申请号：US14923906

申请日：2015-10-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Joshua J. Baron ,  Timothy R. Zyk ,  Deborah J. Shell ,  Ellen C. Heitman ,  Joshua G. Monroe

IPC: G06Q30/02 ,  G06Q50/00

CPC classification number: G06Q30/0214 ,  G06Q50/01

Abstract: Systems and methods are provided for linking product offerings with social network content. One exemplary method includes verifying, by a computing device, via an application programming interface (API) associated with the social network, a social network action, by a consumer, for a product in a social network, and awarding a discount to the consumer for the product, when the social network action is verified, whereby the consumer is able to purchase the product for the price of the product less the awarded discount. Often, the social network action is a “like” of the product, whereby a social network content associated with the product is then disseminated to at least one follower of the consumer in the social network in response to the action.

Abstract translation: 系统和方法用于将产品与社交网络内容相关联。 一种示例性方法包括通过计算设备经由与社交网络相关联的应用程序编程接口（API），消费者对社交网络中的产品进行社交网络动作，以及向消费者颁发折扣 该产品，当社会网络行动得到验证时，消费者能够以该产品的价格购买该产品，减去获得的折扣。 通常，社交网络行为是该产品的“喜欢”，由此，与产品相关联的社交网络内容随后响应于该动作被传播到社交网络中的消费者的至少一个跟随者。

公开(公告)号：US20170031963A1

公开(公告)日：2017-02-02

申请号：US15221254

申请日：2016-07-27

Applicant: MasterCard International Incorporated

Inventor： Christopher John Merz ,  Joshua J. Baron ,  Robert Grothe ,  Douglas W. Van Horn

IPC: G06F17/30

CPC classification number: G06F16/22 ,  G06Q20/08 ,  G06Q20/322 ,  G06Q20/34 ,  G06Q20/389

Abstract: A method of tracking tagged transaction data corresponding to transactions between users and merchants is provided. The method includes receiving, by the tag tracking computing device, a plurality of transaction signals including a plurality of transaction data associated with the transactions. The method further includes receiving, by the tag tracking computing device, tagging data from a party, the tagging data including a tag and an identification of transaction data associated with a transaction. And, the method further includes appending, by the tag tracking computing device, the tag to transaction data stored in a database based on the tagging data from the party.

Abstract translation: 提供了一种跟踪用户和商家之间交易相关的标记交易数据的方法。 该方法包括由标签跟踪计算设备接收包括与交易相关联的多个交易数据的多个交易信号。 该方法还包括由标签跟踪计算设备接收来自一方的标记数据，所述标签数据包括标签和与交易相关联的交易数据的标识。 而且，该方法还包括由标签跟踪计算装置根据来自该方的标记数据将标签附加到存储在数据库中的交易数据。