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公开(公告)号：US20210012345A9
公开(公告)日：2021-01-14
申请号：US16422680
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Janet Smith , John D. Chisholm , Johan Gerber , Clara Salazar , Matthew Wickman , Susan Meyer , Rachael Vahle Cordero , Christopher John Merz
Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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公开(公告)号：US20190279216A1
公开(公告)日：2019-09-12
申请号：US16422680
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Janet Smith , John D. Chisholm , Johan Gerber , Clara Salazar , Matthew Wickman , Susan Meyer , Rachael Vahle Cordero , Christopher John Merz
Abstract: A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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公开(公告)号：US10825012B1
公开(公告)日：2020-11-03
申请号：US15680026
申请日：2017-08-17
Applicant: MasterCard International Incorporated
Inventor： David J. Senci , Kyle Williams , Johan Gerber
Abstract: A dispute scoring computing device for generating chargeback dispute scores is provided. The dispute scoring computing device extracts historical transaction data and account profile data for a plurality of transactions associated with an account, and generates a chargeback dispute prediction model for the account based on the extracted data. The dispute scoring computing device further receives a candidate chargeback for a transaction initiated with a merchant using the account, extracts transaction data from the candidate chargeback, and determines, using the generated chargeback dispute prediction model, a chargeback dispute score indicating a likelihood that the candidate chargeback, if disputed by the merchant, would result favorably for the merchant.
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公开(公告)号：US20170345007A1
公开(公告)日：2017-11-30
申请号：US15167232
申请日：2016-05-27
Applicant: MasterCard International Incorporated
Inventor： Robert Alexander Matteson , Brenda Renee Hopkins , Johan Gerber
CPC classification number: G06Q20/4097 , G06Q20/227 , G06Q20/34 , G06Q20/401 , G06Q20/405
Abstract: A computer-implemented method for performing a stand-in payment authorization is provided. The method is implemented using a stand-in payment authorization (SPA) computing device. The method includes storing account numbers of predesignated cardholders in an account file that are designated to receive stand-in authorization by the SPA computing device. The method also includes receiving an authorization request data signal redirected to the SPA computing device after the authorization request data signal was submitted to an unresponsive issuing bank computing device. The method further includes generating an authorization response data signal based at least upon a comparison of the account numbers stored in the account file to a candidate account number. The method further includes transmitting the authorization response data signal.
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5.发明申请公开(公告)号：US20240370842A1
公开(公告)日：2024-11-07
申请号：US18312923
申请日：2023-05-05
Applicant: Mastercard International Incorporated
Inventor： David J. Senci , Kyle T. Williams , Johan Gerber
Abstract: A system and method for using user-selected transactions preferences stored on a payment card in a transaction includes transmitting a cold reset signal to the payment card. An answer-to-reset message is received from the payment card. The answer-to-reset message includes governing rules for performing a transaction, including user-selected transaction preferences data associated with one or more user-selected transaction preferences for performing the transaction. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network. The request message includes one or more data elements associated with the user-selected transaction preferences data. A payment authorization request response message is then received from the interchange network, based on the transaction preferences. One or more of the user-selected transaction preferences is then executed.
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Patent Agency Ranking
公开(公告)号：US20230368187A1
公开(公告)日：2023-11-16
申请号：US18352090
申请日：2023-07-13
Applicant: Mastercard International Incorporated
Inventor： John D. Chisholm , Johan Gerber , Edgar AguilarGuido , SanJay Challani , Vincent Walsh
CPC classification number: G06Q20/3674 , G06Q20/4016 , G06Q20/36 , G06Q20/3223 , G06Q20/382 , G06Q20/40 , G06Q20/40145
Abstract: A computing device for enhancing cybersecurity in electronic networks is provided. The computing device includes one or more processors in communication with one or more memory devices, where the one or more processors are configured to receive, from an authentication webpage executing on a user computing device, a request to enroll into a secure application, and apply a plurality of rules to the device attribute data to determine an authentication confidence level of the request. The one or more processors are further configured to retrieve, from the one or more memory devices and based on the determined authentication confidence level, an enrollment procedure instruction from a plurality of enrollment procedure instructions for enrollment into the secure application, and transmit the enrollment procedure instruction to the user computing device to complete the enrollment into the secure application.
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公开(公告)号：US20180137504A1
公开(公告)日：2018-05-17
申请号：US15349540
申请日：2016-11-11
Applicant: MasterCard International Incorporated
Inventor： Peter Goldenberg , Johan Gerber , Richard Smith
CPC classification number: G06Q20/40 , G06Q20/085 , G06Q20/0855 , G06Q20/382 , G06Q20/4016 , G06Q20/405
Abstract: A transaction message processing server is configured to receive an authorization request message from a sender computing device, the authorization request message associated with a transaction. The server is also configured to detect a decision data element in an authentication outcome data field of the authorization request message, and interpret the decision data element as an indicator that the transaction is highly authenticated. The server is further configured to retrieve a reason code that identifies the transaction as a highly authenticated transaction, and embed the reason code into the authorization request message to form an enhanced authorization request message. The server is still further configured to transmit the enhanced authorization request message including the reason code to an issuer computing device, wherein the enhanced authorization request message is configured to enable the issuer computing device to bypass at least one issuer authentication process.
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8.发明申请SYSTEMS AND METHODS FOR PROVIDING RISK BASED DECISIONING SERVICE TO A MERCHANT 审中-公开向商家提供基于风险的决策服务的系统和方法公开(公告)号：US20160078436A1
公开(公告)日：2016-03-17
申请号：US14720309
申请日：2015-05-22
Applicant: MasterCard International Incorporated
Inventor： Christian P. Tomasofsky , Steve E. Hubbard , Luis Felipe de Almeida Ferreira da Silva , Johan Gerber , Clara Salazar , Michelle Hafner
CPC classification number: G06Q20/36 , G06Q20/363 , G06Q20/3674 , G06Q20/4014 , G06Q20/4016 , G06Q20/405 , G06Q20/409 , G06Q30/0229
Abstract: A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.
Abstract translation: 本文提供了一种用于在支付卡交易期间向商家提供基于风险的决策的计算设备。 计算设备被编程为从商家接收与支付卡交易相关联的交易数据。 计算设备还被编程为至少部分地基于与支付卡交易相关联的交易数据和基础设施数据来计算支付卡交易的风险分数。 如果风险评分满足第一预定阈值，则计算设备还被编程为向商家发送可接受风险的指示。 如果风险评分满足第二预定义阈值，则计算设备还被进一步编程为发起可疑消费者的认证挑战。
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公开(公告)号：US11423404B2
公开(公告)日：2022-08-23
申请号：US14711567
申请日：2015-05-13
Applicant: MasterCard International Incorporated
Inventor： Christopher John Merz , Johan Gerber , Douglas Van Horn , Mark B. Wiesman
Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.
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公开(公告)号：US11080714B2
公开(公告)日：2021-08-03
申请号：US15167232
申请日：2016-05-27
Applicant: MasterCard International Incorporated
Inventor： Robert Alexander Matteson , Brenda Renee Hopkins , Johan Gerber
Abstract: A computer-implemented method for performing a stand-in payment authorization is provided. The method is implemented using a stand-in payment authorization (SPA) computing device. The method includes storing account numbers of predesignated cardholders in an account file that are designated to receive stand-in authorization by the SPA computing device. The method also includes receiving an authorization request data signal redirected to the SPA computing device after the authorization request data signal was submitted to an unresponsive issuing bank computing device. The method further includes generating an authorization response data signal based at least upon a comparison of the account numbers stored in the account file to a candidate account number. The method further includes transmitting the authorization response data signal.
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