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：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

IPC: G06Q20/40 ,  H04L29/08

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.

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：US20190130397A1

公开(公告)日：2019-05-02

申请号：US15794971

申请日：2017-10-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Siddique Hameed ,  Epher Mendoza ,  Adam Axe ,  Neeraj Javiya ,  Stewart Boling

IPC: G06Q20/40 ,  G06F17/30

Abstract: A host system pushing hosted Universal Resource Locators (URLs) to mobile computing devices is provided. The host system includes at least one host computing device configured to receive first merchant data and first Internet of Technology (IOT) data associated with a merchant computing device, enroll the merchant computing device using the first merchant data and the first IOT data, and build an IOT device profile. The host computing device is also configured to generate a hosted URL associated with the merchant computing device and push the hosted URL, using a URL signal, to a user computing device via an IOT device. The host computing device is further configured to instruct the user computing device to convert the URL signal into a URL address and instruct the user computing device to load the URL address in a browser of the user computing device.

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

IPC: G06Q20/40 ,  H04L29/08 ,  G06Q20/32 ,  G06Q20/20

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.

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

IPC: G06Q20/10 ,  G06Q20/40

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.

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

IPC: G06Q20/10 ,  G06Q20/40 ,  G07F19/00 ,  G06Q20/32

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.

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

IPC: G06Q20/10 ,  G06Q20/40 ,  G07F19/00 ,  G06Q20/32

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.