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1.发明申请公开(公告)号：US20180218367A1
公开(公告)日：2018-08-02
申请号：US15419906
申请日：2017-01-30
Applicant: MasterCard International Incorporated
Inventor： Epher Mendoza , Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Adam Axe
Abstract: Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user-friendly manner.
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Patent Agency Ranking
公开(公告)号：US20170139548A1
公开(公告)日：2017-05-18
申请号：US14941284
申请日：2015-11-13
Applicant: MasterCard International Incorporated
Inventor： Gerardo A. De Las Heras , Michael Martel Spratt , Nicole Ara Zavradinos , Kimberly Ann Schrey , Craig Louis Prior , Sandy Bequette
IPC: G06F3/0482 , G06F17/22 , G06F3/0484 , G06F3/0481 , G06F3/0485
CPC classification number: G06F3/0482 , G06F3/04817 , G06F3/0485 , G06F17/2235 , G06F2203/04802
Abstract: A system for displaying a navigational menu on a webpage is provided. The navigational menu includes a widget that is executed by a processor in communication with a memory. The widget is configured to display an interactive virtual icon. The widget is further configured to receive a user interaction, from the user computing device, with the icon. The widget is also configured to display, in response to the user interaction with the icon, one or more interactive virtual three-dimensional (3-D) objects that rotate around the icon. The widget is still configured rotate the objects around the icon in response to input from the user.
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3.发明授权公开(公告)号：US10672002B2
公开(公告)日：2020-06-02
申请号：US15419906
申请日：2017-01-30
Applicant: MasterCard International Incorporated
Inventor： Epher Mendoza , Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Adam Axe
Abstract: Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user-friendly manner.
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4.发明申请公开(公告)号：US20180218345A1
公开(公告)日：2018-08-02
申请号：US15418686
申请日：2017-01-28
Applicant: MasterCard International Incorporated
Inventor： Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Epher Mendoza , Adam Axe
CPC classification number: G06Q20/1085 , G06Q20/3223 , G06Q20/3224 , G06Q20/40 , G06Q20/405 , G07F19/203 , G07F19/206 , G07F19/211
Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.
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5.发明申请公开(公告)号：US20230071323A1
公开(公告)日：2023-03-09
申请号：US18055257
申请日：2022-11-14
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Epher Mendoza , Adam Axe , Shawn Mehrhoff , Christopher T. Scholl , David Vorhies
Abstract: A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.
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6.发明授权公开(公告)号：US11501272B2
公开(公告)日：2022-11-15
申请号：US17185879
申请日：2021-02-25
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Michael Martel Spratt , Rahul Deshpande , Akeda Hosten , Stewart Boling , Epher Mendoza , Adam Axe
Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.
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