公开(公告)号：US20160335637A1

公开(公告)日：2016-11-17

申请号：US15150839

申请日：2016-05-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rahul A. Deshpande ,  Deborah E. Barta ,  Nevada Alpine Kent, V ,  Siddique Hameed ,  Stewart J. Boling ,  Michael K. Forbis

IPC: G06Q20/40 ,  H04W4/14 ,  G06Q20/10

CPC classification number: G06Q20/4012 ,  G06Q20/3255 ,  H04W4/14

Abstract: Systems and methods are provided for processing transactions to payment accounts. One exemplary method includes receiving a transaction request from a merchant relating to a transaction between a consumer and the merchant, transmitting a verification message to the merchant including a verification code, and receiving a verified transaction request from the merchant. At least one of the transaction request and the verified transaction request includes a telephone number associated with the consumer and an amount of the transaction. The method also includes transmitting a confirmation request to the consumer including a confirmation code, when the verified transaction request includes said verification code. The method further includes receiving a confirmation response from the consumer and transmitting an authorization request for the transaction, when the confirmation response includes said confirmation code.

Abstract translation: 提供系统和方法来处理交易到支付账户。 一种示例性方法包括从商家接收与消费者和商家之间的交易相关的交易请求，向商家发送包括验证码的验证消息，以及从商家接收经验证的交易请求。 交易请求和经验证的交易请求中的至少一个包括与消费者相关联的电话号码和交易量。 当验证的交易请求包括所述验证码时，该方法还包括向消费者发送包括确认码的确认请求。 该方法还包括当确认响应包括所述确认代码时从消费者接收确认响应并发送交易的授权请求。

公开(公告)号：US10719539B2

公开(公告)日：2020-07-21

申请号：US15614776

申请日：2017-06-06

Applicant: Mastercard International Incorporated

Inventor： Andrew J. Smith ,  Saravana Perumal Shanmugam ,  Adam Kenneth Hosp ,  Ted P. Sanders, Jr. ,  Michael K. Forbis ,  Sarala Buradagunta

IPC: G06F16/332 ,  G06Q10/06 ,  G06F16/435 ,  G06Q30/00

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

公开(公告)号：US20190213569A1

公开(公告)日：2019-07-11

申请号：US15863320

申请日：2018-01-05

Applicant: Mastercard International Incorporated

Inventor： Adam Kenneth Hosp ,  Ellen Christine Walz ,  Stewart Boling ,  Siddique Hameed ,  Michael K. Forbis

IPC: G06Q20/20

CPC classification number: G06Q20/202 ,  H04W4/80 ,  H04W76/14

Abstract: An apparatus and method for utilizing a portable point-of-sale device for onboarding a merchant with an interchange network is provided. The method includes the operation of coupling the portable point-of-sale device to an external display device. The method also includes the operation of downloading a merchant companion application to a merchant client device. The merchant companion application is configured to communicate directly with the portable point-of-sale device. Furthermore, the method includes the operation of configuring a network connection between the portable point-of-sale device and the interchange network utilizing the merchant companion application. Moreover, the method includes the operation of providing merchant onboarding information to the interchange network via the portable point-of-sale device utilizing the merchant companion application.

公开(公告)号：US10685301B2

公开(公告)日：2020-06-16

申请号：US15639588

申请日：2017-06-30

Applicant: Mastercard International Incorporated

Inventor： Andrew J. Smith ,  Siddique Hameed ,  Michael K. Forbis ,  Stewart Boling ,  Adam Kenneth Hosp ,  Ted P. Sanders, Jr.

IPC: G06Q10/06 ,  G06Q20/40 ,  G06Q20/10 ,  G06N3/00 ,  G06F16/22 ,  G06F16/33 ,  G06Q20/20 ,  G06Q30/00 ,  G06F16/242 ,  G06F40/30 ,  G06F40/295 ,  G06N5/04

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.

公开(公告)号：US20170046790A1

公开(公告)日：2017-02-16

申请号：US14823207

申请日：2015-08-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Adam Axe ,  Michael K. Forbis

IPC: G06Q40/00 ,  G06F3/0484 ,  G06F3/0482 ,  G06F3/0488

CPC classification number: G06Q40/12

Abstract: Systems and methods for use in providing one or more indicators relevant to transactions to a merchant are disclosed. An exemplary method generally includes accessing, by a computing device, transaction data associated with a merchant, for a predefined interval and generating, by the computing device, an interface including at least one status indicator based on the accessed transaction data. The status indicator is representative of a value of a metric for the merchant during a first interval within the predefined interval relative to a value of the metric for the merchant during a second different interval within the predefined interval. The method then further includes causing the interface to be displayed at an output device of the computing device.

Abstract translation: 公开了用于向商家提供与交易相关的一个或多个指标的系统和方法。 示例性方法通常包括由计算设备访问与商家相关联的交易数据，并且由计算设备生成包括至少一个基于所访问的交易数据的状态指示符的界面。 所述状态指示符代表所述商家在所述预定义间隔内的第一间隔期间相对于所述商店在所述预定间隔内的第二不同间隔期间的所述度量的值的度量值。 该方法然后还包括使界面显示在计算设备的输出设备处。

公开(公告)号：US11537644B2

公开(公告)日：2022-12-27

申请号：US15614727

申请日：2017-06-06

Applicant: Mastercard International Incorporated

Inventor： Andrew J. Smith ,  Saravana Perumal Shanmugam ,  Adam Kenneth Hosp ,  Ted P. Sanders, Jr. ,  Michael K. Forbis ,  Sarala Buradagunta

IPC: G06F16/00 ,  G06F16/332 ,  G06Q10/06 ,  G10L15/18 ,  G06F16/435 ,  G06F16/242

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

公开(公告)号：US20170161725A1

公开(公告)日：2017-06-08

申请号：US14956982

申请日：2015-12-02

Applicant: MasterCard International Incorporated

Inventor： Adam Kenneth Hosp ,  Matthew R. Stocke ,  David Colby Brown ,  Nevada Alpine Kent, V ,  Michael K. Forbis

IPC: G06Q20/34 ,  G06Q20/40

CPC classification number: G06Q20/354 ,  G06Q20/3224 ,  G06Q20/4014 ,  G06Q20/40145

Abstract: Embodiments of the disclosure enable a card issuer to deliver and deliver payment cards in an organized and secure manner. In one aspect, a computer-implemented method and system for delivering a payment card is provided. The method and system include identifying a location of a client device associated with a request for the payment card. A first zone about the client device is scanned for one or more objects in the first zone. A determination is made as to whether at least one predetermined object of the one or more objects is associated with the payment card. On condition that the at least one predetermined object is associated with the payment card, the payment card is delivered. Aspects of the disclosure enable a card issuer to activate and deliver payment cards in an organized and secure manner.

公开(公告)号：US20170069003A1

公开(公告)日：2017-03-09

申请号：US15083431

申请日：2016-03-29

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deborah E. Barta ,  Michael K. Forbis ,  Timothy R. Zyk ,  Michael Wienke ,  Adam Axe ,  Siddique Hameed ,  Josh Monroe ,  Rahul Deshpande

IPC: G06Q30/06 ,  G06Q30/00

CPC classification number: G06Q30/0609 ,  G06Q30/0185

Abstract: Systems and methods for use in permitting merchant to manage fraud prevention rules are disclosed. One exemplary method includes causing at least one settings interface to be displayed to a merchant via a sales platform. The method also includes receiving, by a computing device, via the at least one settings interface, a merchant-specific selection of a prescribed action relating to transactions, at the merchant and receiving, by the computing device, a merchant-specific selection of a fraud prevention rule associated with the prescribed action. The fraud prevention rule defines merchant-specific criteria relating to the transactions. In addition, the method includes appending, by the computing device, the fraud prevention rule to a data structure, in association with the merchant, whereby the prescribed action is effected when a transaction to the merchant violates the criteria defined by the fraud prevention rule.

Abstract translation: 公开了允许商家管理防欺诈规则的系统和方法。 一个示例性方法包括使至少一个设置界面通过销售平台向商家显示。 所述方法还包括由计算设备经由所述至少一个设置界面，在所述商家处接收与所述交易相关的规定动作的商家特定选择，并由所述计算设备接收所述商户特定的 与规定行动有关的舞弊预防规则。 欺诈预防规则定义与交易相关的商家特定标准。 此外，该方法还包括将商业欺诈防止规则附加到与商户相关联的数据结构中，从而当对商家的交易违反防欺诈规则定义的标准时，执行规定的动作。