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公开(公告)号：US10977703B2
公开(公告)日：2021-04-13
申请号：US15868227
申请日：2018-01-11
Applicant: Mastercard International Incorporated
Inventor： Prashant Sharma , Manash Bhattacharjee , Joseph Hayes
IPC: G06Q30/00 , G06Q30/06 , G06F16/951
Abstract: A method for providing a confidence score for a seller in an online marketplace includes: storing account profiles, each including one or more unique account identifiers for one or more online marketplaces; storing activity data entries, each including data for transactional activity in an online marketplace including a marketplace identifier, two or more transacting account identifiers, and activity data; receiving a confidence request that includes a specific account identifier and marketplace identifier; identifying a specific account profile that includes the specific account identifier; identifying a set of activity data entries where a transacting account identifier matches a unique account identifier in the specific account profile; determining a confidence score for the specific account profile based on the activity data included in the identified set of activity data entries; and transmitting the confidence score in response to the received confidence request.
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公开(公告)号：US20210014218A1
公开(公告)日：2021-01-14
申请号：US16505325
申请日：2019-07-08
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Joseph Hayes , Eugene Reda
Abstract: Systems and methods are provided for using an identity provider (IDP) to implement enrollment of a user to a relying party. One exemplary method includes receiving a login credential for a user from a relying party in connection with enrolling the user to the relying party, where the user is associated with a digital identity and the digital identity includes personal identifying information (PII) of the user. The method also includes generating a one-time-passcode (OTP) and transmitting the OTP to a communication device bound to the digital identity associated with the user, receiving an OTP from the relying party, and when the OTP generated by the computing device matches the OTP received from the relying party, compiling an enrollment file for the user including at least a portion of the PII of the user. The method then includes transmitting the enrollment file to the relying party.
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公开(公告)号：US20250094982A1
公开(公告)日：2025-03-20
申请号：US18961814
申请日：2024-11-27
Applicant: Mastercard International Incorporated
Inventor： Liam SPENCE , Skyler Fox , Joseph Hayes
Abstract: A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.
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公开(公告)号：US12198133B2
公开(公告)日：2025-01-14
申请号：US17502198
申请日：2021-10-15
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Liam Spence , Skyler Fox , Joseph Hayes
Abstract: A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.
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公开(公告)号：US20190279196A1
公开(公告)日：2019-09-12
申请号：US16295464
申请日：2019-03-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sneha Pendse , Claire Venot , Pedro Chavarria , Joseph Hayes
Abstract: A payment card account holder interacts with his/her account issuer to trigger digitization of his/her payment account to a wallet service provider, a smart device, or a merchant, etc. The account issuer cooperates with an account provisioning service to fulfill the requested provisioning of the payment account to the desired recipient service provider/token requestor. The account issuer may also provision information about the account holder (e.g., contact information) to the service provider/token requestor.
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Patent Agency Ranking
公开(公告)号：US11720882B2
公开(公告)日：2023-08-08
申请号：US16744613
申请日：2020-01-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Joseph Hayes , Eugene Reda
CPC classification number: G06Q20/354 , G06F21/6245 , G06Q20/3829 , H04L9/3213 , G06F2221/2153
Abstract: System and methods perform identity freezing. A user input requesting halting of operations related to a plurality of accounts or profiles of the user at different local systems is received. In response, a token mapping database is accessed to identify a personally identifiable information (PII) token for the user. A freeze message with the PII token is transmitted to the different local systems to halt operations associated with the plurality of accounts or profiles of the user. Thereafter, at the different local systems, the operations associated with the plurality of accounts or profiles of the user are halted to freeze an identity of the user. More efficient communication and operations to freeze the user accounts and profiles thereby result.
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公开(公告)号：US20200327540A1
公开(公告)日：2020-10-15
申请号：US16381109
申请日：2019-04-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Pedro Chavarria , Joseph Hayes , Marek Kurylko
Abstract: A method for subverting open transmission of personally identifiable information through the use of tokenization includes: receiving a token request from an issuing financial institution; identifying a digital token; mapping the identified digital token to a primary account number; transmitting the identified digital token to the issuing financial institution; receiving a data request from a third party, wherein the data request includes the identified digital token; replacing the identified digital token in the data request with the mapped primary account number; transmitting the data request including the mapped primary account number to the issuing financial institution; receiving a data package including one or more items of personally identifiable information; and forwarding the data package.
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公开(公告)号：US10769631B2
公开(公告)日：2020-09-08
申请号：US15348176
申请日：2016-11-10
Applicant: MasterCard International Incorporated
Inventor： Joseph Hayes , Prashant Sharma , Simon Collins
Abstract: A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.
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9.发明授权公开(公告)号：US11599612B2
公开(公告)日：2023-03-07
申请号：US16802042
申请日：2020-02-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Eugene Reda , Joseph Hayes
Abstract: Systems, apparatuses and methods may provide for technology to identify image data, identify eye data from the image data, where the eye data includes one or more of an eye movement of a user or a point of gaze of the user on a display, and determine whether to authenticate the user based on the one or more of the eye movement or the point of gaze.
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公开(公告)号：US20210182835A1
公开(公告)日：2021-06-17
申请号：US16715369
申请日：2019-12-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Marek Kurylko , Joseph Hayes , Pedro Chavarria
Abstract: Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API. The process also includes receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query, transmitting computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data, then receiving an indication that the user is finished inputting data, and lastly storing a payment card product data file that includes card art data and payment card product characteristics data to a cloud service.
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