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1.
公开(公告)号:US20210295290A1
公开(公告)日:2021-09-23
申请号:US17206949
申请日:2021-03-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: Sarala Buradagunta , Rakesh Yadav , Sébastien Le Callonnec
Abstract: The disclosed method includes: receiving, by a receiving device of a processing server, a transaction request for a financial transaction, the transaction request including at least information associated with a consumer; forwarding at least the information associated with the consumer, the information associated with the merchant, and the transaction amount or projected transaction amount to an issuer; receiving an authorization from the issuer for the transaction amount or projected transaction amount; forwarding the authorization to the merchant; receiving a triggering event for the financial transaction between the consumer and the merchant; sending a request to the issuer for digital tokens to be held for payment of the transaction between the consumer and the merchant; receiving a plurality of digital tokens from the issuer for the payment of the transaction between the consumer and the merchant; and holding the plurality of digital tokens received from the issuer for the financial transaction.
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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.
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公开(公告)号:US11699135B2
公开(公告)日:2023-07-11
申请号:US17204261
申请日:2021-03-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: Sébastien Le Callonnec , Rakesh Yadav , Sarala Buradagunta
CPC classification number: G06Q20/02 , G06Q10/10 , G06Q20/3825 , G06Q20/3829 , H04L63/101 , H04L63/18 , G06Q20/0655
Abstract: Delegating issuance capability to a third-party of fungible digital assets involves a central (e.g., central bank) processor receiving a request to issue fungible digital assets from a third-party node; verifying the request; validating request to issue fungible digital assets from the third-party; approving or rejecting the request; if the request to issue fungible digital assets is approved, creating an issuance authorization message; executing a smart contract clause to add an entity of the third-party node to a list of authorized entities; publishing the issuance authorization message on a blockchain indicating that a third-party node has been added to the list of authorized entities; and publishing a revocation message on the blockchain revoking an authorization granted to the third-party node to issue digital assets.
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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.
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公开(公告)号:US20210247893A9
公开(公告)日:2021-08-12
申请号:US16280743
申请日:2019-02-20
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: Siddique Hameed , Ellen Christine Walz , Stephen Bongner , Sarala Buradagunta
IPC: G06F3/0484 , G06F3/0482 , H04L29/08
Abstract: Methods and a computer system for dynamically generating an embedded payment interface are described herein. The method includes obtaining rules that define a desired configuration of the embedded payment interface. The method also includes storing rules, storing a default interface template having a default configuration, and receiving an access message indicating that the webpage is accessed at a remote computing device, the access message including a plurality of data elements associated with the webpage and the access of the webpage by the remote computing device. The method also includes accessing the default interface template, generating customization commands that define an output configuration of the embedded payment interface by applying the rules to data elements, applying the customization commands to the default interface template to produce a payment interface having the output configuration corresponding to the desired configuration, and embedding the payment interface in the accessed webpage.
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公开(公告)号:US12100014B2
公开(公告)日:2024-09-24
申请号:US18136438
申请日:2023-04-19
Applicant: Mastercard International Incorporated
Inventor: Sarala Buradagunta , Rakesh Yadav
CPC classification number: G06Q30/018 , G06F16/2365 , G06Q20/04 , G06Q40/02 , H04L9/0637 , H04L9/50
Abstract: A method and system of providing a service node within a blockchain network. The method includes storing, in a memory of a processing server, a blockchain comprised of a plurality of blocks, wherein each block is comprised of at least a block header and one or more data values, wherein the one or more data values included in a most recent block includes at least one data point associated with services or functions of at least a first service node; receiving, by a receiving device of the processing server, a request from a second service node for the list of services or functions of the at least a first service node within the blockchain network; and validating, by the processing server, the request from the second service node for the list of services or functions of the at least a first service node within the blockchain network.
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7.
公开(公告)号:US12093935B2
公开(公告)日:2024-09-17
申请号:US17554525
申请日:2021-12-17
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: Sarala Buradagunta , Ravi Kumar Cherukuru
CPC classification number: G06Q20/3825 , G06Q20/065 , G06Q20/38215 , G06Q20/3827
Abstract: A method for enabling the use of blockchain smart contracts as part of a traditional payment transaction includes: receiving, by a receiver of a processing server, a transaction message for a payment transaction, wherein the transaction message is formatted according to one or more standards and includes a plurality of data elements storing transaction data, the transaction data including at least a bank identification value; determining, by a processor of the processing server, a routing plan for the transaction message based on at least the bank identification value; and transmitting, by a transmitter of the processing server, the transaction message to (i) a first computing system using a first communication port of the processing server, and (ii) a second computing system using a second communication port of the processing server, based on the determined routing plan.
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8.
公开(公告)号:US12067544B2
公开(公告)日:2024-08-20
申请号:US17206949
申请日:2021-03-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: Sarala Buradagunta , Rakesh Yadav , Sébastien Le Callonnec
CPC classification number: G06Q20/123 , G06Q20/027 , G06Q20/0655 , G06Q20/29 , G06Q20/40 , H04L9/0618 , H04L9/0643 , H04L9/50
Abstract: The disclosed method includes: receiving, by a receiving device of a processing server, a transaction request for a financial transaction, the transaction request including at least information associated with a consumer; forwarding at least the information associated with the consumer, the information associated with the merchant, and the transaction amount or projected transaction amount to an issuer; receiving an authorization from the issuer for the transaction amount or projected transaction amount; forwarding the authorization to the merchant; receiving a triggering event for the financial transaction between the consumer and the merchant; sending a request to the issuer for digital tokens to be held for payment of the transaction between the consumer and the merchant; receiving a plurality of digital tokens from the issuer for the payment of the transaction between the consumer and the merchant; and holding the plurality of digital tokens received from the issuer for the financial transaction.
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公开(公告)号:US11810111B2
公开(公告)日:2023-11-07
申请号:US17206802
申请日:2021-03-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: Sarala Buradagunta , Rakesh Yadav , Sébastien Le Callonnec
IPC: G06Q20/40 , G06Q20/20 , G06Q20/34 , G06Q20/38 , H04L9/32 , G06Q20/02 , G06Q20/06 , G06Q20/10 , G06Q20/36 , H04L9/08 , H04L9/00
CPC classification number: G06Q20/401 , G06Q20/20 , G06Q20/341 , G06Q20/3825 , H04L9/3213 , H04L9/3247 , G06Q2220/00
Abstract: A method and system are disclosed for transferring digital tokens to and from a physical payment card. The method includes: receiving, on a processing server, a plurality of digital tokens issued from a central bank; and transferring, from the processing server, the plurality of digital tokens to the physical payment card, the physical payment card configured to be used with a point of sale (POS).
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10.
公开(公告)号:US12229764B2
公开(公告)日:2025-02-18
申请号:US18609545
申请日:2024-03-19
Applicant: Mastercard International Incorporated
Inventor: Steven C. Davis , Rakesh Yadav , Sarala Buradagunta , Dmytro Kryvoshei , Sébastien Le Callonnec
Abstract: A system for communicating between blockchains on heterogeneous blockchain networks. The system can include a sending blockchain configured to transmit a first message via a sending blockchain protocol, wherein the sending blockchain forms a part of a sending blockchain network. The system can include a sending adapter node configured to receive the first message from the sending blockchain, and translate the first message from the sending blockchain protocol to an adapter protocol. The system can include a receiving adapter node configured to receive the first message from the sending adapter node, and translate the first message from the adapter protocol to a receiving blockchain protocol. The system can include a receiving blockchain configured to receive the first message from the receiving adapter node, and validate the first message, wherein the receiving blockchain forms a part of a receiving blockchain network.
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