公开(公告)号：US10817861B2

公开(公告)日：2020-10-27

申请号：US15831525

申请日：2017-12-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rohit Chauhan

IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/04

Abstract: There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers.

公开(公告)号：US10592956B2

公开(公告)日：2020-03-17

申请号：US14720396

申请日：2015-05-22

Applicant: MasterCard International Incorporated

Inventor： Po Hu ,  Jean-Pierre Gerard ,  Serge Bernard ,  Rohit Chauhan

IPC: G06Q30/00 ,  G06Q30/06

Abstract: A computer-implemented method for recommending items for future purchase by a consumer based on the consumer's historical actions is provided. The method is implemented using an adaptive recommendation (“AR”) computer device in communication with a memory. The method includes receiving from a recommender server computing device at least one preference vector, storing the at least one preference vector, receiving at least one consumer action including a time aspect, from a candidate consumer, and determining at least one personalized vector based on the at least one preference vector, the at least one consumer action, and the time aspect associated with each of the at least one consumer action. The at least one personalized vector represents at least one future purchase that the candidate consumer will likely conduct. The method also includes displaying at least one recommendation to the candidate consumer based on the at least one personalized vector.

公开(公告)号：US20160125441A1

公开(公告)日：2016-05-05

申请号：US14531347

申请日：2014-11-03

Applicant: MasterCard International Incorporated

Inventor： Rohit Chauhan

IPC: G06Q30/02

CPC classification number: G06Q30/0205

Abstract: A method of generating a more objective consumer confidence and more particularly to tracking consumer confidence objectively based on data regarding past transactions.

Abstract translation: 一种产生更客观的消费者信心的方法，更具体地是基于关于过去交易的数据客观地追踪消费者信心。

公开(公告)号：US20150081546A1

公开(公告)日：2015-03-19

申请号：US14030510

申请日：2013-09-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rohit Chauhan

IPC: G06Q20/40

CPC classification number: G06Q20/4097 ,  G06Q20/407

Abstract: A method and system for remote authentication of a first entity by a second entity is provided. The method involves the second entity conveying at least a registration web link to the e-mail address of a first entity; processing a transaction amount on a payment card of the first entity using the payment card number of the first entity; and processing at least two (2) payment card refund transaction amounts on a payment card acceptance account of the first entity. The method also involves receiving information on the registration web link from the first entity, the information including the amounts of the at least two (2) payment card refund transactions obtained by the first entity from an acquiring bank of the first entity; and verifying that the amounts of the at least two (2) payment card refund transactions processed by the second entity match with the amounts of the at least two (2) payment card refund transactions obtained by the first entity from the acquiring bank of the first entity.

Abstract translation: 提供了一种用于第二实体对第一实体的远程认证的方法和系统。 该方法涉及第二实体至少向第一实体的电子邮件地址传送注册web链接; 使用第一实体的支付卡号处理第一实体的支付卡上的交易金额; 以及在所述第一实体的支付卡接收账户上处理至少两（2）张支付卡退款交易金额。 该方法还包括从第一实体接收关于注册网络链接的信息，该信息包括第一实体从第一实体的获取银行获得的至少两（2）个支付卡退款交易的金额; 以及验证由所述第二实体处理的所述至少两个（2）支付卡退款交易的金额与所述第一实体从所述第一实体的所述采购银行获得的所述至少两次（2）支付卡退款交易的金额相匹配 实体。

公开(公告)号：US12141818B2

公开(公告)日：2024-11-12

申请号：US17494768

申请日：2021-10-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sangam Verma ,  Rohit Chauhan ,  Athanasia Xeros ,  Karamjit Singh ,  Nitendra Rajput ,  Tanmoy Bhowmik ,  Aniruddha Mitra

IPC: G06Q30/018 ,  G06N3/04 ,  G06Q10/063

Abstract: Systems and methods are provided for determining an environmental impact of one or more transactions. An example method generally includes accessing transaction data representative of a plurality of transactions, where each of the transactions involves a user and a merchant, and accessing at least one index indicative of environmental impact of a plurality of merchants. The method also includes generating a graph based on the users and merchants included in the transaction data, whereby the graph is representative of the plurality of transactions, and determining a mapping between ones of the merchants involved in the transaction data and the environmental impact indicated by the at least one index, based on at least one of: the graph, the accessed at least one index, a graph convolution network (GCN), and a graph neural network (GNN). The method then includes publishing the mapping between the ones of the merchants and the environmental impact.

公开(公告)号：US20240311843A1

公开(公告)日：2024-09-19

申请号：US18671746

申请日：2024-05-22

Applicant: Mastercard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashanna S. Tiwaree ,  Rohit Chauhan

IPC: G06Q30/016

CPC classification number: G06Q30/016

Abstract: A gratuity analytics computing system, for generating gratuity analytics for a plurality of transactions of a customer at a service provider within a date range, is in communication with an electronic device of the service provider over an electronic network. The system includes a gratuity analytics computing device, a database including a memory in operable electronic communication with the gratuity analytics computing device, and a processor configured to: receive transaction data for the plurality of customer transactions occurring within the date range, match a plurality of authorization messages with a respective plurality of clearing messages, generate gratuity analytics for the plurality of customer transactions over the date range based on average tip data from the customer, and calculate a customer satisfaction score for one customer transaction of the plurality of customer transactions based on the generated gratuity analytics.

公开(公告)号：US11562370B2

公开(公告)日：2023-01-24

申请号：US15385277

申请日：2016-12-20

Applicant: MasterCard International Incorporated

Inventor： Manash Bhattacharjee ,  Prashanna S. Tiwaree ,  Rohit Chauhan

IPC: G06Q30/00

Abstract: A gratuity analytics computing system, for generating gratuity analytics for a plurality of transactions of a customer at a service provider within a date range, is in communication with an electronic device of the service provider over an electronic network. The system includes a gratuity analytics computing device, a database including a memory in operable electronic communication with the gratuity analytics computing device, and a processor configured to: receive transaction data for the plurality of customer transactions occurring within the date range, match a plurality of authorization messages with a respective plurality of clearing messages, generate gratuity analytics for the plurality of customer transactions over the date range based on average tip data from the customer, and calculate a customer satisfaction score for one customer transaction of the plurality of customer transactions based on the generated gratuity analytics.

公开(公告)号：US09846867B2

公开(公告)日：2017-12-19

申请号：US14085145

申请日：2013-11-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rohit Chauhan

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/04

CPC classification number: G06Q20/202 ,  G06Q20/0453 ,  G06Q20/3224

Abstract: There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers.

公开(公告)号：US20160148219A1

公开(公告)日：2016-05-26

申请号：US14552251

申请日：2014-11-24

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rohit Chauhan

IPC: G06Q30/02

CPC classification number: G06Q30/0201

Abstract: Systems and methods are directed toward providing a consumer network, and links between consumers in the network, based on transaction data for consumers. The system generally includes a memory having a data structure of consumers and transaction data associated with the consumers, and a processor coupled to the memory. The processor is configured to execute instructions, stored in the memory, to cause the processor to access transaction data from the data structure for a group of consumers, link consumers in the group based on the transaction data for the consumers, and associate the linked consumers within a consumer network. Each linked consumer in the consumer network is able to view one or more products purchased by at least another linked consumer in the consumer network.

Abstract translation: 系统和方法旨在基于消费者的交易数据来提供消费者网络以及网络中的消费者之间的链接。 系统通常包括具有消费者的数据结构的存储器和与消费者相关联的交易数据，以及耦合到存储器的处理器。 处理器被配置为执行存储在存储器中的指令，以使处理器从一组消费者的数据结构访问交易数据，基于消费者的交易数据链接该组中的消费者，并将链接的消费者 在消费者网络内。 消费者网络中的每个链接的消费者能够查看消费者网络中至少另一个链接的消费者购买的一个或多个产品。

公开(公告)号：US20150332353A1

公开(公告)日：2015-11-19

申请号：US14277345

申请日：2014-05-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rohit Chauhan

IPC: G06Q30/02

CPC classification number: G06Q30/0282

Abstract: Systems and method for authenticating reviews are disclosed. One exemplary method includes receiving a request to authenticate a review. The review related to at least one of a commodity and a merchant. The exemplary method further includes identifying a payment account having a first transaction associated with the at least one of the commodity and the merchant. The payment account is associated with the consumer. The exemplary method includes requesting confirmation of a detail of a second transaction to the payment account, the second transaction being different than the first transaction, and issuing, by the server, an authentication for the review, when the detail of the second transaction is confirmed.

Abstract translation: 公开了用于认证审查的系统和方法。 一种示例性方法包括接收对认证进行认证的请求。 该审查涉及至少一种商品和商家。 示例性方法还包括识别具有与商品和商家中的至少一个相关联的第一交易的支付账户。 付款帐户与消费者相关联。 该示例性方法包括：向第二交易请求确认第二交易的细节，第二交易不同于第一交易，并且当确认第二交易的详细信息时由服务器发出用于该审查的认证 。