公开(公告)号：US11017463B2

公开(公告)日：2021-05-25

申请号：US15791537

申请日：2017-10-24

Applicant: Mastercard International Incorporated

Inventor： Christine Chu ,  Tyler C. Welsh ,  Jo-Anne Loh

IPC: G06Q40/00 ,  G06Q40/02 ,  G06F16/9535 ,  G06F16/2457 ,  G06K9/00

Abstract: A method for providing recommendations based on emotional intelligence includes: storing an account profile including a structured data set related to a transaction account including an account identifier, a budget restriction, and baseline biometric characteristics; receiving transaction data related to a proposed transaction including transactional information non-compliant with the budget restriction; receiving current biometric characteristics of an individual associated with the proposed transaction; determining impulsiveness of the proposed transaction based on a comparison of the baseline biometric characteristics to the current biometric characteristics; and transmitting a transaction recommendation based on the determined impulsiveness, wherein the recommendation is to proceed with the proposed transaction if the proposed transaction is determined to not be impulsive, and the recommendation is to not proceed with the proposed transaction if the proposed transaction is determined to be impulsive.

公开(公告)号：US20190213625A1

公开(公告)日：2019-07-11

申请号：US15867085

申请日：2018-01-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Tyler C. Welsh ,  Akshita Goyal

IPC: G06Q30/02 ,  G06F9/54 ,  G06F17/30 ,  G06Q20/10

CPC classification number: G06Q30/0239 ,  G06F9/547 ,  G06F16/9537 ,  G06Q20/10 ,  G06Q30/0222 ,  G06Q50/12 ,  G06T11/60 ,  G06T19/006

Abstract: Systems and methods herein are related to augmented reality (AR) experiences in connection with items offered by entities. One exemplary method includes receiving, at a computing device, an AR search request from a user where the AR search request includes a search criteria and a location. The computing device then searches in a memory for at least one entity consistent with the search criteria and the location. In turn, the computing device returns an AR search response to the user, at an application of a communication device associated with the user. The AR search response includes an AR quotient indicative of a level of an AR experience at the at least one entity, thereby permitting the user to identify the level of the AR experience at the at least one entity prior to deciding to visit the at least one entity.

公开(公告)号：US10915918B2

公开(公告)日：2021-02-09

申请号：US15867085

申请日：2018-01-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Tyler C. Welsh ,  Akshita Goyal

IPC: G06Q30/00 ,  G06Q30/02 ,  G06F9/54 ,  G06Q20/10 ,  G06F16/9537 ,  G06T19/00 ,  G06Q50/12 ,  G06T11/60

Abstract: Systems and methods herein are related to augmented reality (AR) experiences in connection with items offered by entities. One exemplary method includes receiving, at a computing device, an AR search request from a user where the AR search request includes a search criteria and a location. The computing device then searches in a memory for at least one entity consistent with the search criteria and the location. In turn, the computing device returns an AR search response to the user, at an application of a communication device associated with the user. The AR search response includes an AR quotient indicative of a level of an AR experience at the at least one entity, thereby permitting the user to identify the level of the AR experience at the at least one entity prior to deciding to visit the at least one entity.

公开(公告)号：US10482228B2

公开(公告)日：2019-11-19

申请号：US15676017

申请日：2017-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Tyler C. Welsh ,  Jo-Anne Loh ,  Christine Chu

IPC: G06F21/00 ,  G06F21/32 ,  G06F3/01 ,  G06T19/00 ,  G06Q20/40 ,  G06Q10/10 ,  G06F21/31

Abstract: Systems and methods are provided for authenticating users in virtual settings. One exemplary method includes receiving a network transaction request from a user in a virtual setting and prompting the user for a motion ID associated with an account available for use in the virtual setting to facilitate the network transaction. The method also includes capturing a movement of the user in the virtual setting while masking the movement from other users in the virtual setting. The exemplary method further includes comparing the captured movement to the motion ID and compiling and transmitting an authorization request for the network transaction when the captured movement matches the motion ID.

公开(公告)号：US20190050547A1

公开(公告)日：2019-02-14

申请号：US15676017

申请日：2017-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Tyler C. Welsh ,  Jo-Anne Loh ,  Christine Chu

IPC: G06F21/32 ,  G06F3/01 ,  G06T19/00 ,  G06Q20/40

CPC classification number: G06F21/32 ,  G06F3/011 ,  G06F3/017 ,  G06F21/316 ,  G06Q10/10 ,  G06Q20/40 ,  G06Q20/40145 ,  G06T19/006

Abstract: Systems and methods are provided for authenticating users in virtual settings. One exemplary method includes receiving a network transaction request from a user in a virtual setting and prompting the user for a motion ID associated with an account available for use in the virtual setting to facilitate the network transaction. The method also includes capturing a movement of the user in the virtual setting while masking the movement from other users in the virtual setting. The exemplary method further includes comparing the captured movement to the motion ID and compiling and transmitting an authorization request for the network transaction when the captured movement matches the motion ID.