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    METHOD AND SYSTEM FOR PROVIDING FINANCIAL PERFORMANCE DATA ASSOCIATED WITH A MERCHANT
    1.
    发明申请
    METHOD AND SYSTEM FOR PROVIDING FINANCIAL PERFORMANCE DATA ASSOCIATED WITH A MERCHANT 审中-公开

    公开(公告)号：US20180144402A1

    公开(公告)日：2018-05-24

    申请号：US15877177

    申请日：2018-01-22

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Debashis Ghosh ,  Randy Shuken

    IPC: G06Q40/02 ,  G06Q40/00

    CPC classification number: G06Q40/02 ,  G06Q40/12

    Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.

    Systems and methods for tokenless authentication of consumers during payment transactions
    2.
    发明授权
    Systems and methods for tokenless authentication of consumers during payment transactions 有权

    公开(公告)号：US09904921B2

    公开(公告)日：2018-02-27

    申请号：US14066246

    申请日：2013-10-29

    Applicant: MasterCard International Incorporated

    Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

    IPC: G06Q20/40

    CPC classification number: G06Q20/40145 ,  G06Q20/4012

    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

    METHODS AND SYSTEMS FOR USING TRANSACTION DATA TO AUTHENTICATE A USER OF A COMPUTING DEVICE
    5.
    发明申请
    METHODS AND SYSTEMS FOR USING TRANSACTION DATA TO AUTHENTICATE A USER OF A COMPUTING DEVICE 有权
    使用交易数据来验证计算机设备的用户的方法和系统

    公开(公告)号：US20150161375A1

    公开(公告)日：2015-06-11

    申请号：US14101064

    申请日：2013-12-09

    Applicant: MasterCard International Incorporated

    Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

    IPC: G06F21/36

    CPC classification number: G06F21/36 ,  G06F2221/2133 ,  G06Q20/40

    Abstract: An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device.

    Abstract translation: 一种用于将用户计算设备的用户认证为人的认证计算设备。 认证计算设备包括处理器，其被配置为接收对用户进行认证的请求以及与用户和用户计算设备中的至少一个相关联的标识符。 处理器还被配置为基于标识符来检索与用户的支付卡帐户相关联的交易数据，基于交易数据生成挑战问题，并且基于交易数据生成多个图像。 多个图像中的至少一个是正确的图像，并且多个图像中的至少一个是不正确的图像。 处理器还被配置为传送挑战问题和多个图像以在用户计算设备上显示。

    Systems and methods for tokenless authentication of consumers during payment transactions
    7.
    发明授权
    Systems and methods for tokenless authentication of consumers during payment transactions 有权

    公开(公告)号：US10475032B2

    公开(公告)日：2019-11-12

    申请号：US15880742

    申请日：2018-01-26

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

    IPC: G06Q40/00 ,  G06Q20/40

    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

    METHODS AND SYSTEMS FOR LEVERAGING TRANSACTIONS TO DYNAMICALLY AUTHENTICATE A USER
    8.
    发明申请
    METHODS AND SYSTEMS FOR LEVERAGING TRANSACTIONS TO DYNAMICALLY AUTHENTICATE A USER 审中-公开

    公开(公告)号：US20190340613A1

    公开(公告)日：2019-11-07

    申请号：US16518737

    申请日：2019-07-22

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Debashis Ghosh ,  Randy Shuken

    IPC: G06Q20/40 ,  G06F21/31 ,  H04L9/32 ,  H04L29/06

    Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

    METHODS AND SYSTEMS FOR DETERMINING AN ASSET DIVESTITURE USING ASSET DATA
    10.
    发明申请
    METHODS AND SYSTEMS FOR DETERMINING AN ASSET DIVESTITURE USING ASSET DATA 审中-公开
    使用资产数据确定资产类别的方法和系统

    公开(公告)号：US20160140652A1

    公开(公告)日：2016-05-19

    申请号：US14541390

    申请日：2014-11-14

    Applicant: MasterCard International Incorporated

    Inventor： Debashis Ghosh ,  Randy Shuken

    IPC: G06Q40/02

    CPC classification number: G06Q40/02

    Abstract: A network-based computer system for determining an asset divestiture of a financial institution based on asset data is described. The system includes at least one processor in communication with at least one memory. The at least one processor is configured to receive a divestiture request message including a financial institution identifier, receive asset data for the identified financial institution, the asset data including data associated with a plurality of assets of the identified financial institution, wherein each asset has an asset value and a risk weight representing a potential change in the asset value over time, determine a candidate divestiture for the identified financial institution at least in part based on the asset value and the risk weight for each asset of the plurality of assets, and provide a divestiture report to the identified financial institution, wherein the divestiture report includes the candidate divestiture for the identified financial institution.

    Abstract translation: 描述了基于资产数据确定金融机构的资产剥离的基于网络的计算机系统。 该系统包括与至少一个存储器通信的至少一个处理器。 所述至少一个处理器被配置为接收包括金融机构标识符的剥离请求消息，接收所识别的金融机构的资产数据，所述资产数据包括与所识别的金融机构的多个资产相关联的数据，其中每个资产具有 资产价值和代表资产价值随时间的潜在变化的风险权重，至少部分基于多个资产中的每个资产的资产价值和风险权重确定所识别金融机构的候选资产剥离，并提供 向确定的金融机构提交的剥离报告，其中剥离报告包括所识别金融机构的候选人剥离。

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