公开(公告)号：US11107078B2

公开(公告)日：2021-08-31

申请号：US16029156

申请日：2018-07-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Murugalakshmanan Mariappan ,  Joshua J. Baron ,  Todd Healy

IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/32

Abstract: A computer system is configured to provide a payment card security application programming interface (API) for providing a payment card security score to a partner entity computer system. Responsive to receipt of user identification data for a card holder from the partner entity computer system via the API, the computer system retrieves payment card electronic funds transfer (EFT) transaction data records corresponding to the card holder, and determines a transaction type and security level associated for the user's transactions. The computer system generates, based on the determined security level for each of the transactions, a security score for the card holder. The partner entity computer system provides the user identification data for the card holder to the payment card security API responsive to receipt of an authorization request for a new transaction. The partner entity computer system may determine whether to approve or deny the new payment card EFT transaction based upon the security score.

公开(公告)号：US10748139B2

公开(公告)日：2020-08-18

申请号：US15614824

申请日：2017-06-06

Applicant: Mastercard International Incorporated

Inventor： Nili Klenoff ,  Shane Travers Munie ,  Todd Healy ,  David Lim ,  Igor Faybyshev

IPC: G06Q20/36 ,  G06F16/23 ,  G06F16/43 ,  G06F16/28 ,  G06Q50/00

Abstract: A method for intelligent routing for electronic wallet registration includes: storing, in a wallet database of a processing server, a plurality of wallet profiles, wherein each wallet profile includes a structured data set related to at least one electronic wallet including at least one or more wallet identifiers and one or more identification numbers; receiving, by a receiving device of the processing server, a wallet request from a computing device, wherein the wallet request includes at least a primary account number; executing, by a querying module of the processing server, a query on the wallet database to identify a specific wallet profile where one of the included one or more identification numbers corresponds to the primary account number; electronically transmitting, by a transmitting device of the processing server, at least one of the one or more wallet identifiers included in the identified specific wallet profile to the computing device.