公开(公告)号：WO2017136182A1

公开(公告)日：2017-08-10

申请号：PCT/US2017/014662

申请日：2017-01-24

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： GHOSH, Debashis ,  HUDSON, Scott ,  BHATTACHARJEE, Manash

IPC: G06Q30/02

CPC classification number: G06Q30/0205 ,  G06F17/30867 ,  G06Q20/045 ,  G06Q20/20 ,  G06Q20/3224 ,  G06Q30/0601

Abstract: A computer-implemented method for creating and managing an options program associated with payment transactions initiated in a geographic sector is described herein, The method is implemented using an analytics evaluation and management (AEM) computing device. The method includes storing a sector score associated with the geographic sector, the sector store ranking one or more financial characteristics of a plurality of merchants located in the sector. The method also includes generating an investment instrument including one or more parameters associated with the sector score, and transmitting a program initiation signal to a program interface (PI) computing device configured to maintain a virtual commodity market. The program initiation signal includes instructions causing the PI computing device to display the investment instrument on a user computing device, and provide a user of the user computing device an option to purchase the investment instrument.

Abstract translation: 本文描述了用于创建和管理与在地理扇区中发起的支付交易相关联的选项程序的计算机实现的方法。该方法使用分析评估和管理（AEM）计算设备来实现。 该方法包括存储与地理部门相关联的部门分数，部门商店对位于该部门中的多个商家的一个或多个金融特征进行排序。 该方法还包括生成包括与扇区分数相关联的一个或多个参数的投资工具，并且将程序启动信号传输到被配置为维护虚拟商品市场的程序接口（PI）计算设备。 程序启动信号包括使得PI计算设备在用户计算设备上显示投资工具的指令，并且向用户计算设备的用户提供购买投资工具的选项。

公开(公告)号：WO2016186915A1

公开(公告)日：2016-11-24

申请号：PCT/US2016/031758

申请日：2016-05-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： GHOSH, Debashis ,  SHUKEN, Randall, K. ,  BHATTACHARJEE, Manash

IPC: G06Q30/02

CPC classification number: G06Q30/0205 ,  G06F17/30241 ,  G06Q10/00 ,  G06Q10/06393 ,  H04L63/083 ,  H04L63/102 ,  H04L67/18

Abstract: A method for generating and providing aggregated merchant analytics for a sector location is provided. The method includes defining a plurality of sectors of a geographic region and receiving transaction data for financial transactions occurring within a period of time, the transaction data associated with a plurality of merchants. The plurality of merchants are located in the geographic region. The method also includes identifying, for each merchant, one sector of the plurality of sectors in which the merchant is located. The method further includes generating aggregated merchant analytics for each sector based on the transaction data associated with all merchants located in the sector, wherein the aggregated merchant analytics represent a ranking of each sector relative to all other sectors, and displaying on a user interface of the user computing device the aggregated merchant analytics, wherein the aggregated merchant analytics are graphically represented on a map of the defined sectors.

Abstract translation: 提供了一种用于为扇区位置生成和提供聚合商家分析的方法。 该方法包括定义地理区域的多个扇区并接收在一段时间内发生的金融交易的交易数据，交易数据与多个商家相关联。 多个商家位于地理区域。 该方法还包括为每个商家识别商家所在的多个扇区中的一个扇区。 该方法还包括基于与位于扇区中的所有商家相关联的交易数据为每个扇区生成聚合商家分析，其中聚合的商家分析表示每个扇区相对于所有其他扇区的排名，并且在用户界面上显示 用户计算设备的聚合商家分析，其中聚合的商家分析在所定义的扇区的地图上以图形方式表示。

公开(公告)号：WO2021155150A1

公开(公告)日：2021-08-05

申请号：PCT/US2021/015711

申请日：2021-01-29

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KAMAL, Ashfaq ,  BHATTACHARJEE, Manash ,  DESHPANDE, Rahul

IPC: G06Q20/40 ,  G06F21/32

Abstract: An enhanced 3D Secure user authentication process and system. In some embodiments, a consumer device processor of a consumer device running a Web Authentication application programming interface (API) transmits a request to a relying party device requesting use of an enhanced 3D Secure authentication service. The consumer device processor then receives a request to authenticate a consumer from the relying party device by using a specific customer verification method (CVM), prompts, by running the Web Authentication API, the consumer to provide input in accordance with the CVM, receives input data in accordance with the CVM from an authenticator of the consumer device, verifies the consumer based on the input data, generates an authentication data package and transmits to the relying party device the authentication data package for processing and forwarding to a 3D Requestor environment.

公开(公告)号：WO2018026528A1

公开(公告)日：2018-02-08

申请号：PCT/US2017/043018

申请日：2017-07-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： BHATTACHARJEE, Manash ,  HAYES, Joseph ,  SHARMA, Prashant ,  CHALLANI, Sanjay

IPC: G06Q20/12 ,  G06Q20/38 ,  G06Q20/40

Abstract: A method for issuer-based decisioning for single action purchases includes: storing an issuer profile, wherein the issuer profile is a structured data set related to an issuing institution including at least a scoring threshold; receiving data from a web server associated with a merchant, the data comprising at least transaction data related to a proposed payment transaction and browser data related to a web browsing application program used to access the web server; calculating a risk score based on at least the transaction data and browser data; determining a purchase procedure of a plurality of purchase procedures based on the calculated risk score and the scoring threshold, wherein the plurality of purchase procedures includes purchase procedures (i) enabling initiation of the payment transaction via a single user action, and (ii) requiring additional user authentication; and electronically transmitting the determined purchase procedure to the web server.

Abstract translation: 一种用于单行动购买的基于发行者的决策的方法包括：存储发行者简档，其中发行者简档是与包括至少评分阈值的发行机构相关的结构化数据集; 从与商家相关联的网络服务器接收数据，所述数据至少包括与所提议的支付交易相关的交易数据以及与用于访问所述网络服务器的网络浏览应用程序相关的浏览器数据; 至少基于交易数据和浏览器数据计算风险评分; 基于所计算的风险评分和评分阈值来确定多个购买过程的购买过程，其中所述多个购买过程包括购买过程（i）能够通过单个用户动作启动支付交易，以及（ii）需要 额外的用户认证; 并将确定的购买程序电子传输到网络服务器。

公开(公告)号：WO2021006983A1

公开(公告)日：2021-01-14

申请号：PCT/US2020/036923

申请日：2020-06-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： BHATTACHARJEE, Manash ,  KAMAL, Ashfaq ,  DESHPANDE, Rahul

IPC: H04W12/00 ,  G06F21/32

Abstract: Systems and methods are provided for managing user identities in networks. One exemplary method includes receiving, at a communication device, an API call request for a credential from a relying party. The communication device includes an application that incorporates an SDK. After receiving the API call request for the credential, the communication device authenticates a user associated with the communication device and identified in the API call request. After authentication of the user the communication device generates, via the SDK, a private-public key pair and stores the private key in memory. The communication device compiles, via the SDK, a credential packet include the public key and identity data associated with the user and transmits the credential packet to the relying party, whereby the relying party is registered to the SDK to request assertions of an identity of the user.

公开(公告)号：WO2018128748A1

公开(公告)日：2018-07-12

申请号：PCT/US2017/065230

申请日：2017-12-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： BHATTACHARJEE, Manash ,  TIWAREE, Prashanna, S. ,  SHARMA, Prashant

IPC: G06Q40/02

CPC classification number: G06Q40/025 ,  G06Q30/0204 ,  G06Q40/02

Abstract: A scoring engine computing device for generating personalized lending scores is provided. The scoring engine computing device receives a request including a cardholder identifier associated with a candidate cardholder, determines demographic data associated with the candidate cardholder, and retrieves transaction data for a plurality of cardholders including the candidate cardholder and a set of peer cardholders. Each cardholder of the set of peer cardholders is associated with the determined demographic data of the candidate cardholder, and the transaction data is associated with transactions for a plurality of spending categories. The scoring engine computing device further normalizes the transaction data associated with the candidate cardholder by category, generates a personalized lending score associated with the candidate cardholder that indicates a spending trend of the candidate cardholder, and transmits the personalized lending score to a requestor computing device.

公开(公告)号：WO2017011083A1

公开(公告)日：2017-01-19

申请号：PCT/US2016/034946

申请日：2016-05-31

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： BHATTACHARJEE, Manash ,  GHOSH, Debashis

IPC: G06Q30/02

CPC classification number: G06Q30/0201 ,  G06Q30/0211 ,  G06Q30/0278

Abstract: Systems and methods are provided for assigning a value to a coupon, suited for ranking the coupon relative to other coupons. One exemplary method generally includes selecting, by a computing device, a target coupon; weighting, by the computing device, a value associated with the coupon, based on at least one parameter related to the coupon and/or a redemption merchant associated with the coupon; and publishing the weighted value of the target coupon, whereby the weighted value is usable to compare the target coupon to weighted values of other coupons.

Abstract translation: 提供了系统和方法，用于将价值分配给优惠券，适合于相对于其他优惠券对优惠券进行排名。 一个示例性方法通常包括由计算设备选择目标优惠券; 基于与所述优惠券相关联的至少一个参数和/或与所述优惠券相关联的兑换商家，由所述计算设备加权与所述优惠券相关联的值; 并发布目标优惠券的加权值，由此加权值可用于将目标优惠券与其他优惠券的加权值进行比较。

公开(公告)号：WO2018144788A1

公开(公告)日：2018-08-09

申请号：PCT/US2018/016544

申请日：2018-02-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： RAY, Saurav ,  MURALI, Manohar ,  SHARMA, Prashant ,  BHATTACHARJEE, Manash

IPC: G06Q20/32 ,  G06Q20/36 ,  G06Q40/02

CPC classification number: G06Q20/36 ,  G06Q20/3227 ,  G06Q20/3276 ,  G06Q20/363 ,  G06Q40/02 ,  G06Q40/025

Abstract: A method of transmitting data from a digital wallet on a user device to a designated server for use by a transaction card application process on the designated server. The method includes receiving code data generated by scanning a code image using the digital wallet on the user device, the code image being associated with a transaction card offer. The code image includes encoded data relating to the transaction card, including an identity of the designated server. The method further includes displaying information relating to the transaction card application process on the user device, the displayed information being generated based at least in part on the code data. The method further includes transmitting, to the designated server, user data for use in the transaction card application process at least a portion of the user data being securely stored by the digital wallet.

公开(公告)号：WO2017044540A1

公开(公告)日：2017-03-16

申请号：PCT/US2016/050640

申请日：2016-09-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： GHOSH, Debashis ,  BHATTACHARJEE, Manash

IPC: G06Q30/02

CPC classification number: G06Q30/0201 ,  G06Q20/3224 ,  G06Q40/12

Abstract: Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (MA) computing device in communication with a user computing device. The MA computing device defines a plurality of sectors of a geographic region and receiving transaction data including at least one online transaction associated with a merchant. The MA computing device generates a transaction location identifier for each of online transaction to indicate a location associated with a user device operated by a cardholder associated with the online transaction and links the online transaction to one sector based on the transaction location identifier. The MA computing device generates aggregated merchant analytics for each sector based on the transaction data associated with the online transactions located in the sector and displays the aggregated merchant analytics on the user computing device for analysis.

Abstract translation: 提供了用于为扇区生成聚合商家分析的系统和方法。 该系统包括与用户计算设备通信的商业分析（MA）计算设备。 MA计算设备定义地理区域的多个扇区并接收包括与商家相关联的至少一个在线交易的交易数据。 MA计算设备为每个在线交易生成交易位置标识符以指示与由与在线交易相关联的持卡人操作的用户设备相关联的位置，并且基于交易位置标识符将在线交易链接到一个扇区。 MA计算设备基于与位于扇区中的在线交易相关联的交易数据为每个扇区生成聚合商家分析，并且在用户计算设备上显示聚合的商家分析以进行分析。

公开(公告)号：WO2017039771A1

公开(公告)日：2017-03-09

申请号：PCT/US2016/036389

申请日：2016-06-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： BHATTACHARJEE, Manash ,  GHOSH, Debashis

IPC: G06Q30/06

CPC classification number: G06Q20/204 ,  G06F19/00 ,  G06F19/3456 ,  G06Q20/3224 ,  G06Q20/3278 ,  G06Q50/22 ,  H04W4/02

Abstract: Systems and methods for pairing a mobile app with a point-of-sale system and recording an availability of units from a retail package are described.

Abstract translation: 描述了将移动应用与销售点系统配对并记录零售包装单元可用性的系统和方法。