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    INTELLIGENT SHOPPING CART SERVICE
    2.
    发明申请
    INTELLIGENT SHOPPING CART SERVICE 审中-公开
    智能购物车服务

    公开(公告)号：US20150088642A1

    公开(公告)日：2015-03-26

    申请号：US14037636

    申请日：2013-09-26

    Applicant: MasterCard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06Q30/06

    CPC classification number: G06Q30/0633 ,  G06Q30/0631

    Abstract: Disclosed are methods, apparatus and systems for providing an intelligent shopping cart service that operates to alert a consumer when a product or service is not aligned with the consumer's preferences, criteria or requirements before a purchase transaction is consummated. In some embodiments, a consumer device includes a processor that stores intelligent shopping cart software in a memory, and that uses the intelligent shopping cart software to detect product or service identification data when a consumer adds a product or service to a shopping cart. The processor then determines, based on the product or service identification data, that the product or service is a mismatch when compared to predetermined consumer preferences, criteria or requirements. An alert indication is then provided to the consumer via an output component before a purchase transaction is consummated.

    Abstract translation: 公开了用于提供智能购物车服务的方法，装置和系统，其用于在购买交易完成之前产品或服务与消费者的偏好，标准或要求不一致的情况下提醒消费者。 在一些实施例中，消费者设备包括将智能购物车软件存储在存储器中的处理器，并且当消费者将产品或服务添加到购物车时，使用智能购物车软件来检测产品或服务标识数据。 然后处理器基于产品或服务标识数据确定与预定的消费者偏好，标准或要求相比，产品或服务是不匹配的。 然后，在购买交易完成之前，通过输出组件向消费者提供警报指示。

    SYSTEMS AND METHODS FOR AUTHORIZING A PURCHASE TRANSACTION USING NET WORTH ESTIMATE
    3.
    发明申请
    SYSTEMS AND METHODS FOR AUTHORIZING A PURCHASE TRANSACTION USING NET WORTH ESTIMATE 审中-公开
    使用净值估计授权购买交易的系统和方法

    公开(公告)号：US20150317629A1

    公开(公告)日：2015-11-05

    申请号：US14266046

    申请日：2014-04-30

    Applicant: MasterCard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06Q20/40 ,  G06Q20/34

    CPC classification number: G06Q20/34 ,  G06Q20/02 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/4037

    Abstract: Systems and methods for permitting a consumer to consummate a purchase transaction when the purchase transaction amount exceeds an available credit limit and that consumer has assets to cover the overage amount. Thus, in some embodiments a net worth confirmation platform receives transaction information, transmits the transaction information to an Issuer financial institution (FI), receives an indication from the Issuer FI that the that the transaction is unauthorized, and determines that at least one business rule applies to the transaction and an overage amount. The net worth confirmation platform also determines a net worth estimate of the consumer based on at least one asset of the consumer, and transmits a transaction authorization message to the merchant when the business rule(s) is or are satisfied.

    Abstract translation: 当购买交易金额超过可用信用额度并且消费者拥有资产以覆盖超额金额时，允许消费者完成购买交易的系统和方法。 因此，在一些实施例中，净值确认平台接收交易信息，将交易信息发送给发行人金融机构（FI），从发行方FI接收指示该交易是未经授权的指示，并且确定至少一个业务规则 适用于交易和超额金额。 净值确认平台还根据消费者的至少一个资产确定消费者的净值估计，并且当业务规则被满足时，向商家发送交易授权消息。

    SYSTEMS AND METHODS PROVIDING ASSET CONFORMATION AND/OR VALUATION FOR A CUSTOMER MAKING A PURCHASE
    4.
    发明申请
    SYSTEMS AND METHODS PROVIDING ASSET CONFORMATION AND/OR VALUATION FOR A CUSTOMER MAKING A PURCHASE 审中-公开
    为客户提供资产配置和/或估值的系统和方法进行购买

    公开(公告)号：US20150213520A1

    公开(公告)日：2015-07-30

    申请号：US14166115

    申请日：2014-01-28

    Applicant: MasterCard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06Q30/02

    CPC classification number: G06Q30/0278 ,  G06Q40/025

    Abstract: According to some embodiments, an asset confirmation platform may receive transaction information about a purchase being made by a customer from a merchant. Responsive to the received transaction information, the asset confirmation platform may automatically determine a monetary value of at least one asset owned by the customer. The asset might be associated with, for example, stocks owned by the customer in a trading account. An indication associated with the monetary value of the asset may then be transmitted.

    Abstract translation: 根据一些实施例，资产确认平台可以从商家接收关于客户正在进行的购买的交易信息。 响应于收到的交易信息，资产确认平台可以自动确定客户拥有的至少一项资产的货币价值。 该资产可能与例如交易账户中的客户拥有的股票有关。 然后可以发送与资产的货币价值相关联的指示。

    Methods, apparatus and systems for securely authenticating a person depending on context
    5.
    发明授权
    Methods, apparatus and systems for securely authenticating a person depending on context 有权

    公开(公告)号：US10268810B2

    公开(公告)日：2019-04-23

    申请号：US15968267

    申请日：2018-05-01

    Applicant: Mastercard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06F21/31 ,  G06F21/32 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q50/00 ,  H04L29/06

    Abstract: Systems, methods and apparatus are described for securely authenticating a user at an appropriate level of security depending on context. A system embodiment includes a meta-wallet system platform, a user mobile device, and a plurality of entity computers. A meta-wallet processor receives a user authentication request from a user mobile device including a meta-wallet identifier, an entity identifier, a context identifier, and at least one of user biometric data, user personal assets data, and user social media data. The meta-wall processor then determines that the user is a registered meta-wallet user, defined at least one security protocol, and is engaging in a predetermined type of activity. A security protocol is then selected, and a determination made that a combination of personally identifiable assets data and user biometric data and/or user social media data matches stored data and satisfies the security protocol. The meta-wallet processor then transmits a user authentication confirmation message to the user mobile device and/or to an entity computer.

    Methods, apparatus and systems for securely authenticating a person depending on context
    6.
    发明授权
    Methods, apparatus and systems for securely authenticating a person depending on context 有权

    公开(公告)号：US09977881B2

    公开(公告)日：2018-05-22

    申请号：US14514847

    申请日：2014-10-15

    Applicant: MasterCard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06F21/31 ,  G06F21/32 ,  G06Q20/40 ,  G06Q20/36 ,  G06Q50/00

    CPC classification number: G06F21/31 ,  G06F21/32 ,  G06Q20/363 ,  G06Q20/40145 ,  G06Q50/01 ,  H04L63/0861 ,  H04L63/0884

    Abstract: Methods, apparatus and systems are described for securely authenticating a person at an appropriate level of security depending on context without having to enter any passwords. In some embodiments, a meta-wallet processor receives a request for user authentication from a user device which includes a meta-wallet identifier, an entity identifier, a context identifier and user biometric data and/or user personal assets data, and/or user social media data. The meta-wallet processor determines that the user is registered meta-wallet user and is engaging in a predetermined type of activity, selects an authentication protocol, determines that the user biometric data and/or user personal assets data, and/or user social media data matches stored personal meta-wallet data and satisfies the authentication protocol, and then transmits a user authentication confirmation message to one of the user device and an entity computer associated with the entity identifier.

    METHODS, APPARATUS AND SYSTEMS FOR SECURELY AUTHENTICATING A PERSON DEPENDING ON CONTEXT
    8.
    发明申请
    METHODS, APPARATUS AND SYSTEMS FOR SECURELY AUTHENTICATING A PERSON DEPENDING ON CONTEXT 审中-公开

    公开(公告)号：US20180247033A1

    公开(公告)日：2018-08-30

    申请号：US15968267

    申请日：2018-05-01

    Applicant: Mastercard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06F21/31 ,  G06F21/32 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q50/00

    CPC classification number: G06F21/31 ,  G06F21/32 ,  G06Q20/363 ,  G06Q20/40145 ,  G06Q50/01 ,  H04L63/0861 ,  H04L63/0884

    Abstract: Systems, methods and apparatus are described for securely authenticating a user at an appropriate level of security depending on context. A system embodiment includes a meta-wallet system platform, a user mobile device, and a plurality of entity computers. A meta-wallet processor receives a user authentication request from a user mobile device including a meta-wallet identifier, an entity identifier, a context identifier, and at least one of user biometric data, user personal assets data, and user social media data. The meta-wall processor then determines that the user is a registered meta-wallet user, defined at least one security protocol, and is engaging in a predetermined type of activity. A security protocol is then selected, and a determination made that a combination of personally identifiable assets data and user biometric data and/or user social media data matches stored data and satisfies the security protocol. The meta-wallet processor then transmits a user authentication confirmation message to the user mobile device and/or to an entity computer.

    INTELLIGENT ADVICE AND PAYMENT ROUTING ENGINE
    9.
    发明申请
    INTELLIGENT ADVICE AND PAYMENT ROUTING ENGINE 审中-公开
    智能建议和付款路由引擎

    公开(公告)号：US20150012425A1

    公开(公告)日：2015-01-08

    申请号：US13936591

    申请日：2013-07-08

    Applicant: MasterCard International Incorporated

    Inventor： Bejoy Mathew

    IPC: G06Q20/22 ,  G06Q20/36

    CPC classification number: G06Q20/10 ,  G06Q20/227 ,  G06Q20/36 ,  G06Q20/405 ,  G06Q30/0227

    Abstract: Methods, apparatus and systems include an intelligent decision engine that analyzes data associated with the payment card accounts of a consumer along with other information regarding a particular transaction, and then provides a recommendation to a cardholder concerning which payment card account(s) to use to maximize value. In an embodiment, a processor receives service call data associated with a purchase transaction, determines that a cardholder is a registered smart preferences user, and accesses smart preferences cardholder profile data. The processor then determines a recommendation of at least one payment card account to select for use in the purchase transaction, and transmits the recommendation to a device for consideration and selection of a payment card account by the cardholder.

    Abstract translation: 方法，装置和系统包括智能决策引擎，其分析与消费者的支付卡帐户相关联的数据以及关于特定交易的其他信息，然后向持卡人提供关于哪个支付卡账户用于 最大化价值。 在一个实施例中，处理器接收与购买交易相关联的服务呼叫数据，确定持卡人是注册智能偏好用户，并且访问智能偏好持卡人简档数据。 然后，处理器确定至少一个支付卡帐户的推荐选择用于购买交易，并将推荐发送到设备以供持卡人考虑和选择支付卡账户。

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