公开(公告)号：US11475513B2

公开(公告)日：2022-10-18

申请号：US16724867

申请日：2019-12-23

Applicant: Mastercard International Incorporated

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

IPC: G06Q30/00 ,  G06Q40/02 ,  G06Q30/02 ,  G06Q20/18 ,  G06Q20/32 ,  G06K7/14 ,  G06Q20/36 ,  H04W12/03

Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.

公开(公告)号：US20210192610A1

公开(公告)日：2021-06-24

申请号：US16724867

申请日：2019-12-23

Applicant: Mastercard International Incorporated

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

IPC: G06Q40/02 ,  G06Q30/00 ,  G06Q30/02 ,  G06Q20/18 ,  G06Q20/36 ,  G06Q20/32 ,  G06K7/14 ,  H04W12/00

Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.

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：US20200074491A1

公开(公告)日：2020-03-05

申请号：US16122635

申请日：2018-09-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Regan E. Harmon

IPC: G06Q30/02 ,  B60W40/09 ,  G06K9/00 ,  G07C5/00 ,  G06F11/34 ,  G06Q40/08 ,  G06Q50/30

Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

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.

公开(公告)号：US11989749B2

公开(公告)日：2024-05-21

申请号：US16122644

申请日：2018-09-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Regan E. Harmon

IPC: G06Q30/0207 ,  B60W40/09 ,  G06Q10/0639 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/59 ,  G07C5/00

CPC classification number: G06Q30/0207 ,  B60W40/09 ,  G06Q10/06393 ,  G06Q40/08 ,  G06Q50/40 ,  G06V20/597 ,  G07C5/008

Abstract: A driver scoring (DS) computing device for scoring driving activity for a driver in real-time is provided. The DS computing device includes at least one processor in communication with at least one memory, the at least one processor configured to: (i) receive sensor data about a driver in a vehicle; (ii) determine, from the sensor data, a driver activity including at least a duration for the activity; (iii) calculate a score for the determined activity, wherein the score depends on at least one of a type of activity and the duration of the activity; (iv) retrieve a driver profile associated with the driver from the at least one memory, the driver profile including at least one of user input preferences and a history of payment transactions; and (v) generate at least one merchant incentive based on the score and the driver profile.

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：US20200074492A1

公开(公告)日：2020-03-05

申请号：US16122644

申请日：2018-09-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Christopher T. Scholl ,  Regan E. Harmon

IPC: G06Q30/02 ,  B60W40/09 ,  G06K9/00 ,  G07C5/00 ,  G06Q10/06 ,  G06Q40/08 ,  G06Q50/30

Abstract: A driver scoring (DS) computing device for scoring driving activity for a driver in real-time is provided. The DS computing device includes at least one processor in communication with at least one memory, the at least one processor configured to: (i) receive sensor data about a driver in a vehicle; (ii) determine, from the sensor data, a driver activity including at least a duration for the activity; (iii) calculate a score for the determined activity, wherein the score depends on at least one of a type of activity and the duration of the activity; (iv) retrieve a driver profile associated with the driver from the at least one memory, the driver profile including at least one of user input preferences and a history of payment transactions; and (v) generate at least one merchant incentive based on the score and the driver profile.

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：US11887187B2

公开(公告)日：2024-01-30

申请号：US17936249

申请日：2022-09-28

Applicant: Mastercard International Incorporated

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

IPC: G06Q30/00 ,  G06Q40/02 ,  G06Q30/016 ,  G06Q30/0207 ,  G06Q20/32 ,  G06K7/14 ,  G06Q20/36 ,  H04W12/03 ,  G06Q20/08 ,  G06Q20/18

CPC classification number: G06Q40/02 ,  G06K7/1417 ,  G06Q20/08 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/3274 ,  G06Q20/36 ,  G06Q30/016 ,  G06Q30/0237 ,  H04W12/03

Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.