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1.发明申请公开(公告)号：US20210158317A1
公开(公告)日：2021-05-27
申请号：US16696985
申请日：2019-11-26
Applicant: Mastercard International Incorporated
Inventor： Marek Kurylko , Eugene Reda , Skyler Fox
Abstract: Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session. The method also includes using the minimum session expense ratio and the quantification to determine an on-demand streaming payment amount and utilizing the user designated payment type to determine a manner of routing the on-demand streaming payment amount to a payment processing entity that is configured to facilitate a payment transaction.
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公开(公告)号：US11720882B2
公开(公告)日：2023-08-08
申请号：US16744613
申请日：2020-01-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Joseph Hayes , Eugene Reda
CPC classification number: G06Q20/354 , G06F21/6245 , G06Q20/3829 , H04L9/3213 , G06F2221/2153
Abstract: System and methods perform identity freezing. A user input requesting halting of operations related to a plurality of accounts or profiles of the user at different local systems is received. In response, a token mapping database is accessed to identify a personally identifiable information (PII) token for the user. A freeze message with the PII token is transmitted to the different local systems to halt operations associated with the plurality of accounts or profiles of the user. Thereafter, at the different local systems, the operations associated with the plurality of accounts or profiles of the user are halted to freeze an identity of the user. More efficient communication and operations to freeze the user accounts and profiles thereby result.
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公开(公告)号：US20200327540A1
公开(公告)日：2020-10-15
申请号：US16381109
申请日：2019-04-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Pedro Chavarria , Joseph Hayes , Marek Kurylko
Abstract: A method for subverting open transmission of personally identifiable information through the use of tokenization includes: receiving a token request from an issuing financial institution; identifying a digital token; mapping the identified digital token to a primary account number; transmitting the identified digital token to the issuing financial institution; receiving a data request from a third party, wherein the data request includes the identified digital token; replacing the identified digital token in the data request with the mapped primary account number; transmitting the data request including the mapped primary account number to the issuing financial institution; receiving a data package including one or more items of personally identifiable information; and forwarding the data package.
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公开(公告)号：US11200545B2
公开(公告)日：2021-12-14
申请号：US16409237
申请日：2019-05-10
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Shanthan Subramaniam , Sandeep Malhotra , Marek Kurylko
Abstract: A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.
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公开(公告)号：US20210144134A1
公开(公告)日：2021-05-13
申请号：US16680142
申请日：2019-11-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Eugene Reda , Skyler Fox
IPC: H04L29/06
Abstract: Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.
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Patent Agency Ranking
公开(公告)号：US20210014218A1
公开(公告)日：2021-01-14
申请号：US16505325
申请日：2019-07-08
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Joseph Hayes , Eugene Reda
Abstract: Systems and methods are provided for using an identity provider (IDP) to implement enrollment of a user to a relying party. One exemplary method includes receiving a login credential for a user from a relying party in connection with enrolling the user to the relying party, where the user is associated with a digital identity and the digital identity includes personal identifying information (PII) of the user. The method also includes generating a one-time-passcode (OTP) and transmitting the OTP to a communication device bound to the digital identity associated with the user, receiving an OTP from the relying party, and when the OTP generated by the computing device matches the OTP received from the relying party, compiling an enrollment file for the user including at least a portion of the PII of the user. The method then includes transmitting the enrollment file to the relying party.
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7.发明授权公开(公告)号：US11599612B2
公开(公告)日：2023-03-07
申请号：US16802042
申请日：2020-02-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Eugene Reda , Joseph Hayes
Abstract: Systems, apparatuses and methods may provide for technology to identify image data, identify eye data from the image data, where the eye data includes one or more of an eye movement of a user or a point of gaze of the user on a display, and determine whether to authenticate the user based on the one or more of the eye movement or the point of gaze.
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公开(公告)号：US11438313B2
公开(公告)日：2022-09-06
申请号：US16869204
申请日：2020-05-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Eugene Reda , Pedro Chavarria
Abstract: A privacy filter for internet of things (IOT) devices and can include a processor, a profile resource, a device interface, an external network interface, and a storage having instructions for filtering processes and encoding processes (e.g., appropriate processes of a software development kit (SDK)). The privacy filter can receive a payload comprising audio content from a connected device; obtain filter criteria for the connected device; identify portions of the payload satisfying the filter criteria; and affect audio of the audio content corresponding to the identified portions of the payload. after affecting the audio, the privacy filter can reassemble the payload according to an IOT provider SDK and can communicate the reassembled payload to an IOT provider service.
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9.发明授权公开(公告)号：US11416837B2
公开(公告)日：2022-08-16
申请号：US16696985
申请日：2019-11-26
Applicant: Mastercard International Incorporated
Inventor： Marek Kurylko , Eugene Reda , Skyler Fox
Abstract: Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session. The method also includes using the minimum session expense ratio and the quantification to determine an on-demand streaming payment amount and utilizing the user designated payment type to determine a manner of routing the on-demand streaming payment amount to a payment processing entity that is configured to facilitate a payment transaction.
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公开(公告)号：US20210182835A1
公开(公告)日：2021-06-17
申请号：US16715369
申请日：2019-12-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Joseph Hayes , Pedro Chavarria
Abstract: Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API. The process also includes receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query, transmitting computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data, then receiving an indication that the user is finished inputting data, and lastly storing a payment card product data file that includes card art data and payment card product characteristics data to a cloud service.
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