公开(公告)号：US20170357981A1

公开(公告)日：2017-12-14

申请号：US15180633

申请日：2016-06-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark Jules Azzam ,  John Eric Roberts ,  Matthew Wease ,  Brett Jon Halkett

IPC: G06Q20/40

Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes causing a biometric associated with a consumer to be received, when the consumer presents a payment device for funding a transaction with a merchant via a payment account associated with the payment device. The method also includes appending, by a computing device, a biometric score to an authorization request associated with the transaction at the merchant where the biometric score is indicative of a degree of match between the received biometric and a reference biometric, and transmitting, by the computing device, the authorization request whereby an issuer associated with the payment account is able to utilize the biometric score in determining to approve or decline the transaction.

公开(公告)号：US10891683B2

公开(公告)日：2021-01-12

申请号：US15895779

申请日：2018-02-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Regan E. Harmon ,  Matthew Wease ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: G06Q30/06 ,  G06Q20/12 ,  G06Q10/08

Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.

公开(公告)号：US10769634B2

公开(公告)日：2020-09-08

申请号：US15180633

申请日：2016-06-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark Jules Azzam ,  John Eric Roberts ,  Matthew Wease ,  Brett Jon Halkett

IPC: G06Q20/40 ,  G06Q20/20 ,  G07F7/08

Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes causing a biometric associated with a consumer to be received, when the consumer presents a payment device for funding a transaction with a merchant via a payment account associated with the payment device. The method also includes appending, by a computing device, a biometric score to an authorization request associated with the transaction at the merchant where the biometric score is indicative of a degree of match between the received biometric and a reference biometric, and transmitting, by the computing device, the authorization request whereby an issuer associated with the payment account is able to utilize the biometric score in determining to approve or decline the transaction.

公开(公告)号：US20190251621A1

公开(公告)日：2019-08-15

申请号：US15895779

申请日：2018-02-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Regan E. Harmon ,  Matthew Wease ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: G06Q30/06 ,  G06Q10/08 ,  G06Q20/20 ,  G06Q20/36

CPC classification number: G06Q30/0641 ,  G06Q10/0834 ,  G06Q20/204 ,  G06Q20/363 ,  G06Q30/0639

Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.

公开(公告)号：US20200380527A1

公开(公告)日：2020-12-03

申请号：US16997708

申请日：2020-08-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark Jules Azzam ,  John Eric Roberts ,  Matthew Wease ,  Brett Jon Halkett

IPC: G06Q20/40 ,  G06Q20/20 ,  G07F7/08

Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes prompting a consumer to provide a biometric in connection with a transaction by the consumer, and receiving a payment account credential specific to a payment account for use in the transaction. The method also includes appending a biometric score and an indication of a biometric technology used to capture the biometric to an authorization request associated with the transaction, and transmitting, by the computing device, the authorization request to an issuer.

公开(公告)号：US10693650B2

公开(公告)日：2020-06-23

申请号：US15847280

申请日：2017-12-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Matthew Wease ,  Regan E. Harmon ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: H04L29/06 ,  H04L9/32 ,  G06K9/00

Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.

公开(公告)号：US20190190718A1

公开(公告)日：2019-06-20

申请号：US15847280

申请日：2017-12-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Matthew Wease ,  Regan E. Harmon ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: H04L9/32 ,  G06K9/00 ,  H04L29/06

Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.

公开(公告)号：US20240095735A1

公开(公告)日：2024-03-21

申请号：US18522086

申请日：2023-11-28

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shawn Mehrhoff ,  Matthew Wease ,  Christopher T. Scholl

IPC: G06Q20/38

CPC classification number: G06Q20/389

Abstract: Described is a computer system for creating a digital record of a physical item of value. The computer system includes a network computer device comprising at least one processor communicatively coupled to at least one memory and a distributed network of computer nodes each associated with a respective entity of a plurality of entities, each computer node comprising a camera and an optical character recognition (OCR) application executable thereon, each computer node is communicatively coupled to the network computer device.

公开(公告)号：US20200322157A1

公开(公告)日：2020-10-08

申请号：US16908412

申请日：2020-06-22

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Matthew Wease ,  Regan E. Harmon ,  William Raymond Bowie ,  Christopher T. Scholl

IPC: H04L9/32 ,  H04L29/06

Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.

公开(公告)号：US20190172167A1

公开(公告)日：2019-06-06

申请号：US15829617

申请日：2017-12-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Regan E. Harmon ,  William Raymond Bowie ,  Matthew Wease

IPC: G06Q50/26 ,  G06F17/30 ,  G06Q20/36 ,  G06Q30/00

Abstract: A wallet provider (WP) computing device is provided for extending a digital passport object stored in a digital wallet. The WP computing device includes a processor and a memory in communication with the processor. The processor is programmed to receive an augmentation request associated with the digital passport object from a requesting user device, retrieve an augmentation template and trusted authentication data based at least in part on the augmentation request, generate an augmentation package associated with the digital passport object, transmit an authentication request to an authenticating user device, receive an authentication response from the user device, determine an authentication evaluation of the augmentation package associated with the digital passport object, and transmit the updated augmentation package to the sponsoring authority.