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Mastercard International Inc patents


Recent patent applications related to Mastercard International Inc. Mastercard International Inc is listed as an Agent/Assignee. Note: Mastercard International Inc may have other listings under different names/spellings. We're not affiliated with Mastercard International Inc, we're just tracking patents.

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Systems and methods using an authentication and payment processing platform

An electronic payment instruction file associated with a payer identifier and a payee identifier from a remote payer device may be received. Information about the electronic file may be stored into a transaction database. An authorization and payment processing server may retrieve, from the transaction database, the information about the... Mastercard International Inc

 new patent  Systems and methods for filesystem-based computer application communication

A method of filesystem-based communication of computer applications is provided. The method implemented using a filesystem communications interface (FCI) computer device coupled to a first computer and a second computer on which computer applications are installed. The method includes mounting file systems on the first computer and second computer by... Mastercard International Inc

 new patent  Methods for securely storing sensitive data on mobile device

Methods and systems for protecting sensitive data on a mobile device. In an embodiment, a mobile device processor of a mobile device downloads, from a provider computer, an application including a white box software development kit (SDK). The mobile device processor utilizes a code protection process of the application to... Mastercard International Inc

 new patent  Method for biometric based signing of document

A method for biometry based signing of documents comprising the steps of receiving, on a terminal, a signature request associated to a document from a requester, displaying the document to the user on the user terminal, requesting at least once a biometric identification of the user for creating at least... Mastercard International Inc

 new patent  Systems and methods for secure biometric sample raw data storage

A method for biometric template extraction and secure biometric sample raw data storage, the method comprising enrolling, at a terminal, at least one biometric sample of a user, storing, in a secure storage on the terminal, the raw data of the biometric sample, extracting, by an extraction application executed on... Mastercard International Inc

 new patent  Method for providing a credit cardholder with multiple funding options

A method and a system for providing a payment cardholder with multiple funding source options for a payment card are provided herein. First, a managing platform associates at least two funding sources with the payment card. The funding sources include a first funding source and a second funding source. Next,... Mastercard International Inc

 new patent  Method and system for facilitating a cashless transaction

The present disclosure provides a computer-implemented method for facilitating a cashless transaction between a merchant and a customer, a system implementing the method, and a non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to perform steps of the method. The method includes receiving, from an electronic... Mastercard International Inc

 new patent  Systems and methods for expedited processing of authenticated computer messages

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... Mastercard International Inc

 new patent  Systems and methods of improved electronic messaging

A method of electronic user message protocol extension for a transaction requiring delivery is provided. The method is implemented using a message protocol extension (MPE) computing device. The method comprises receiving, from a merchant computing device, transaction data including a merchant identifier identifying a merchant as a default liable party,... Mastercard International Inc

 new patent  Systems and methods for fraud detection by transaction ticket size pattern

A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (POS) device and a merchant website, the transaction... Mastercard International Inc

 new patent  Systems and methods for risk based decisioning

A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender, the authorization request including a fraud risk assessment of the financial... Mastercard International Inc

 new patent  Systems and methods for processing support messages relating to services associated with payment systems

Systems and methods are provided for scoring support messages from users indicative of the likelihood of escalation of the messages, upon which the messages may be prioritized. One exemplary method includes receiving, from a user, a support message related to a payment service provider and generating an escalation score for... Mastercard International Inc

 new patent  Systems and methods for use in selecting accounts based on incentives associated with the accounts

Systems and methods are provided for facilitating payment account transactions, through selection of particular payment accounts for use in the transactions based on incentives associated with the payment accounts. One exemplary method includes receiving an authorization request for a transaction, where the authorization request includes a virtual card number (VCN)... Mastercard International Inc

 new patent  Tracking system, method and medium for enhancing the use of select transit

Systems, methods and mediums to facilitate utilization of select transit entities by tracking and inducing such utilization are disclosed. In embodiments, a first signal indicating that an item utilized a select transit entity is received, wherein a quantity of units to incrementally associate with utilization by the item of the... Mastercard International Inc

Providing payment credentials securely for telephone order transactions

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.... Mastercard International Inc

Methods and systems for authenticating users for authorization rule relaxation

A method of authenticating an accountholder for relaxing payment transaction authorization rules is provided. The method is implemented using an authentication computing device in communication with a memory device. The method includes receiving a transaction decline message from an issuer via a transaction message channel, transmitting an authorization rules relaxation... Mastercard International Inc

Systems and methods for use in informing consumers regarding benefits in connection with payment account purchases

Systems and methods are provided for use in notifying consumer of benefits associated with payment accounts, in connection with payment account transactions. One exemplary method includes initially identifying, at a computing device, a transaction to a payment account where the transaction involves a merchant. The method also includes accessing, by... Mastercard International Inc

Systems, methods, apparatuses, and computer program products for facilitating reservation for a parking space with a near field communication-enabled device

Methods, systems, apparatuses, and computer readable media for facilitating reservation for a parking space with a near field communications (NFC)-enabled device are provided. A system can include an NFC-enabled parking meter associated with a parking space and a controller in communication with the NFC-enabled parking meter for measuring time and... Mastercard International Inc

Systems and methods for database management

A database management (DM) computing device for managing a database is provided. The DM computing device accesses log data to determine the frequency that data fields of one or more full databases are queried. The DM computing device ranks the data fields based on the number of times each has... Mastercard International Inc

Systems and methods for database management

A database management (DM) computing device for reducing an amount of data stored within an enhanced database while ensuring that data remaining within the enhanced database is able to satisfy a plurality of user queries is described. The DM computing device is in communication with the enhanced database and a... Mastercard International Inc

Method and an activating a predetermined function

Disclosed is a computer-implemented method for activating a predetermined function in a device. The device in question has at least a touch-screen coupled to a processor, and is operable in a data entry mode and a command mode, the data entry mode being one in which the processor is configured... Mastercard International Inc

System and processing payment transactions at network edge nodes

An edge node computing system and corresponding methods for performing secondary processing of data at edge nodes of a computer network. The edge node computing system receives messages, such as authorization messages, representing a payment transaction initiated by a cardholder with a merchant. A primary processor of the edge node... Mastercard International Inc

Systems and methods for tracking computer messages

A message tracking computing device for tracking messages is provided. The message tracking computing device includes a memory in communication with a processor. The processor is programmed to receive user input defining a message tracking scheme, the user input specifying a message index, a tracking duration, and a selected time... Mastercard International Inc

Computer message routing and processing system and method

A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least... Mastercard International Inc

Apparatus and self-checkout and payment

There is provided a method and apparatus for self-checkout and payment. The method includes, in one or more electronic processing devices: pairing a user device with a self-checkout apparatus; capturing, at the self-checkout apparatus, a signal containing information for at least one product; extracting, at the self-checkout apparatus, the information... Mastercard International Inc

Systems and methods for enhanced verification of new users to a network based service

A computer-based method for verifying a new user during enrollment to a digital wallet application is provided. The method is implemented using a digital wallet computing device including one or more processors in communication with one or more memory devices. The method includes receiving, from the new user, an enrollment... Mastercard International Inc

Systems and methods for creating and monitoring geofence zones

A geofence computing device for creating and monitoring geofence zones is described herein. The geofence computing device includes a processor and a memory. The processor is configured to receive geofence data from the user device, the geofence data including a user defined geofence zone and a geofence rule. The processor... Mastercard International Inc

Method and system for net settlement by use of cryptographic promissory notes issued on a blockchain

A method for generating a cryptographic promissory note for posting to a blockchain includes: receiving an authorization request for a payment transaction, the authorization request being a transaction message formatted based on one or more standards that includes a plurality of data elements including a first data element configured to... Mastercard International Inc

Method and device for making a payment transaction

A method and device for making a payment transaction over a payment network are provided. The method employs a communication device associated with a consumer, and has a radio frequency (RF) communication module. The method includes receiving, by the communication device, a request for an input of payment account data... Mastercard International Inc

Methods and authorizing automated teller machine transactions using biometric data

A method using an automated teller machine of processing a transaction is provided. The method includes receiving inputs indicating an account identifier and a unique personal identifier of a customer, sensing biometric data of the customer using a biometric sensor, receiving a transaction indication indicating a transaction, and generating a... Mastercard International Inc

Method and system for parking rate estimation based on geolocation and payment history

A method for estimation of parking rates based on location and transaction data includes: storing transaction data entries, each including a geographic location or merchant identifier and transaction amount; storing location data entries, each including a geographic location and a length of time; identifying a subset of transaction data entries... Mastercard International Inc

Automatic account-on-file management system and methods

A system for automatic account-on-file management may include a resource provider including an account updater and a provider communications interface. The resource provider may store billing information identifying at least one source having an automatic remittance and/or account-on-file for a resource associated with a procurement entity. The account updater may... Mastercard International Inc

Method and system for transactional debt repayment

A method for modification of loan terms based on transaction account activity includes: storing an account profile, the profile including loan terms associated with a loan, a primary account number, and transaction values related to payment transactions funded by a related transaction account; receiving a transaction message for a payment... Mastercard International Inc

Systems and methods for use in providing offers to consumers based on transit conditions

Systems and methods are provided for use in identifying offers for consumers based on transit conditions. One exemplary method includes in response to a transit condition, accessing, by a computing device, a consumer profile for a consumer associated with the transit condition and an offer data structure having multiple offers... Mastercard International Inc

Methods, systems and devices for access control

Methods, systems and devices for access control are provided. The present disclosure provides a communication device of a user communicating access details associated with the facility, to a client system within the vicinity of which the communication device is located, and the client system verifying the access details and transmitting... Mastercard International Inc

05/03/18 / #20180124596

Anonymously linking cardholder information with communication service subscriber information

Provided are a system and method for linking cardholders with communication service subscribers. In one example, a method includes generating anonymized cardholder information representing a group of cardholders that reside within a predetermined geographic location, receiving anonymized communication service subscriber information representing a group of communication service subscribers that reside... Mastercard International Inc

04/26/18 / #20180113898

Systems and methods for assessing data quality

A computer-implemented method for assessing data quality of one or more data records. The method is implemented using a quality assessment (QA) computing device. The method includes storing, into a data warehouse, predefined data quality assessment criteria to be applied to the one or more data records to assess the... Mastercard International Inc

04/26/18 / #20180114203

Systems and methods for regulating access to data stored in a data source

A regulated account-on-file billing updater (ABU) computing device for regulating an account information data source and verifying access to the account information data source is provided. The regulated ABU computing device receives account data from an issuer, the account data corresponding to a cardholder, and stores the account data in... Mastercard International Inc

04/26/18 / #20180114204

Systems and methods for tracking access data to a data source

An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides... Mastercard International Inc

04/26/18 / #20180114213

Methods and systems for secure mobile device initiated payment using generated image data

Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one... Mastercard International Inc

04/26/18 / #20180114217

Wallet-based alerts in a shared service model environment

A method includes utilizing a digital wallet on a mobile device to transact for provision of a shared service from a service provider wherein the digital wallet is provided by a wallet provider and receiving at the mobile device via a communication between the digital wallet and the wallet provider... Mastercard International Inc

04/26/18 / #20180114223

Single screen mobile checkout

Methods, apparatus and systems for operating a consumer mobile device to consummate an online purchase transaction. In some embodiments, the process features a mobile device processor that receives a mobile device single screen checkout request, initializes a single screen checkout application, and displays a single screen checkout user interface on... Mastercard International Inc

04/26/18 / #20180114239

Methods, systems, and computer readable media for electronically determining broadband network service rates in a designated area

Methods, systems, and computer readable media for electronically determining broadband network service rates in a designated area are provided. An exemplary method includes filtering payment transaction data received from one or more payment transaction host servers to identify a plurality of payment transaction records corresponding to broadband network service provider... Mastercard International Inc

04/26/18 / #20180114282

Methods, systems, and computer readable media for electronically managing the operation of a thermostat device

Methods, systems, and computer readable media for electronically guaranteeing rent payment are provided. An exemplary method includes electronically receiving, by a payment program platform, monetary funds to be deposited in a payment card account hosted by the payment program platform and designating at least a portion of the received monetary... Mastercard International Inc

04/26/18 / #20180114373

Method and system for generating parking vouchers based on geolocation and purchase data

A method for parking validation based on merchant rule compliance includes: receiving a parking notification, wherein the parking notification includes at least a geographic area identifier and is received from a computing device; executing a first query to identify one or more merchant rules related to a geographic area associated... Mastercard International Inc

04/26/18 / #20180115413

Method and system for fast tracking navigation of blockchains via data manipulation

A method for generating a blockchain configured for fast navigation includes: storing a blockchain comprised of a plurality of blocks, each block including a header comprised of a fast track flag, fast track reference, timestamp, and hash value, where the plurality of blocks includes standard blocks having a deactivated fast... Mastercard International Inc

04/19/18 / #20180107994

Method and system for universal control account activities

A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding... Mastercard International Inc

04/19/18 / #20180107996

Methods and systems for scheduling payments

A method and system are presented for scheduling payments. The method comprises the operations of: a) storing, in a memory, instructions for an action to be taken when at least one specified criterion is fulfilled, the specified criterion relating to anticipated funds to be received and/or anticipated funds authorized for... Mastercard International Inc

04/19/18 / #20180108000

Systems and methods for generating aggregated merchant analytics for a geographic sector using tip data

A merchant analytics computing device for generating aggregated merchant analytics for a geographic sector using tip data is provided. The merchant analytics computing device is programmed to define a plurality of geographic sectors and receive transaction data occurring within a period of time. The transaction data is associated with merchants... Mastercard International Inc

04/19/18 / #20180108011

Method and system for a virtual payment card funded by multiple sources

A method for processing transaction data includes: receiving a generation request to generate a common account number, the request including identification information of a plurality of funding accounts and a plurality of authorizations to charge the funding accounts for a respective portion of a future payment transaction; generating the common... Mastercard International Inc

04/19/18 / #20180108012

Systems and methods for authenticating a user using private network credentials

A cardholder authentication computing device for authenticating user computing devices during online payment transactions are provided. The cardholder authentication computing device leverages pre-authentication of a user by a private network to facilitate authentication of a user in the context of an online payment transaction between the user and a merchant.... Mastercard International Inc

04/19/18 / #20180108031

Method of making a payment and loyalty transaction for goods and/or services being purchased by a consumer from a merchant

A method of making a payment and loyalty transaction for goods and/or services being purchased by a consumer from a merchant, the method being executed by one or more processors of a mobile computer device in communication with data storage, a display and input devices.... Mastercard International Inc

04/19/18 / #20180108035

Method and system for grouping of customers for targeted advertising

A system and method are provided for grouping customers from a pool of customers of a financial institution to subsequently receive advertisements. The method includes: retrieving, by a data collection module, identifier data of each customer in the pool of customers; retrieving, by the data collection module, financial information of... Mastercard International Inc

04/19/18 / #20180108218

System and methods for enhanced computer game rewards

A computer-implemented method enhancing computer game rewards is provided. The method is implemented using a game rewards computer device in communication with a memory. The method includes storing a reward account associated with a payment card that is associated with a cardholder. The reward account includes a total number of... Mastercard International Inc

04/19/18 / #20180108344

Systems and methods for correcting text-to-speech pronunciation

A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine... Mastercard International Inc

04/19/18 / #20180108358

Voice categorisation

A computer-implemented method of vocally categorising a user includes receiving, by a sound data input, a vocalisation by the user and determining, by a processor coupled to the data input, a plurality of individual confidence scores by comparing the received vocalisation to vocalisations of a plurality of respective individuals stored... Mastercard International Inc

04/12/18 / #20180101684

Method and system for identity and credential protection and verification via blockchain

A method for distributed storage of identity data includes: receiving entity data for a plurality of entities, the data including an associated public key, associated attributes, and a geographic jurisdiction, and where one entity is a subordinate; generating a data file for each entity including the associated attributes and public... Mastercard International Inc

04/12/18 / #20180101832

System and point-of-sale electronic receipt generation and management

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... Mastercard International Inc

04/12/18 / #20180101833

Method and system for access control via a payment network

The present disclosure generally relates to a computerized method implemented, in part, on a host server for controlling access to a facility. The method comprises: receiving a data message comprising facility identification data provided by the facility and user account data provided by a mobile device of the user; generating... Mastercard International Inc

04/12/18 / #20180101837

Nfc-enabled point of sale system and process

There is provided a data processor implemented process for performing NFC enabled point-of-sale (POS) transactions on a computing device. Furthermore, there is also provided an NFC enabled point-of-sale (POS) transaction system.... Mastercard International Inc

04/12/18 / #20180101840

Methods, systems, and computer readable media for consolidated registration of payment cards

The subject matter described herein relates to methods, systems, and computer readable media for consolidated registration of payment cards. In some examples, a method includes receiving data specifying a geographic location and one or more dates of travel to a geographic location for a user. The method includes registering, with... Mastercard International Inc

04/12/18 / #20180101841

Methods, systems, and computer readable media for event triggered exchange of digital commerce instruments between digital wallets

The subject matter described herein relates to methods, systems, and computer readable media for exchanging digital commerce instruments between digital wallets. In some examples, a method includes analyzing a purchase history of a first digital wallet to determine one or more spending patterns for the first digital wallet. The method... Mastercard International Inc

04/12/18 / #20180101851

Method and system for identification of shared devices for fraud modeling

A method for fraud modeling based on shared computing device usage includes: storing transaction data entries, each including a transaction date and/or time, account identifier, and device identifier associated with a computing device; receiving a transaction message for a payment transaction, the transaction message including a specific device identifier, primary... Mastercard International Inc

04/12/18 / #20180101858

System and providing reward points

A method for providing reward points to a cross border consumer is described. The method includes determining a primary transaction area of a consumer, identifying the consumer as a cross border consumer based on the transactions conducted outside the primary transaction area (“foreign transaction”), and identifying a foreign merchant associated... Mastercard International Inc

04/12/18 / #20180101870

Methods, systems, and computer readable media for the broadcast and exchange of electronic certificates between digital wallets

Exemplary systems, methods, and computer readable media for the broadcast and exchange of electronic certificates between digital wallets are provided. Exemplary systems and methods include and/or are preformed by an electronic certificate exchange and bidding manager (ECEBM). The ECEBM receives an offer to sell an electronic certificate stored in a... Mastercard International Inc

Patent Packs
04/12/18 / #20180101882

Method and server for providing acceptance marks location information

According to a first aspect, there is provided a method of providing merchant approved acceptance mark location information, the method comprising: receiving, from a mobile device, a request to determine acceptance marks approved by merchants located within a requested area; querying a database according to the request, the database storing... Mastercard International Inc

04/12/18 / #20180102952

Systems and methods for analyzing report access data

An access data analytics system including a processor and a memory is provided. The processor stores an electronic report in the memory. The electronic report is generated based on an electronic report query include a plurality of parameters. The processor also collects access profile data including metadata associated with a... Mastercard International Inc

04/12/18 / #20180103144

Methods, apparatus and devices for authenticating a call session

Methods and apparatus for authenticating a calling party in respect of a call session are disclosed. The call session is carried out over a communications network between a first communication terminal associated with the calling party and a second communication terminal associated with a called party. The calling party is... Mastercard International Inc

04/05/18 / #20180096263

System and real time, geolocation based parking data analysis

A method for real time, geolocation based parking data analysis is described. The method includes providing a list of available parking spaces to a user device for a user to select and calculating the parking fee based at least on a duration that a vehicle stayed in a predetermined area... Mastercard International Inc

04/05/18 / #20180096301

Systems and methods for generating customized reports based on operational stage rules

A report generating computing device for generating a report based on operational stage rules that are applied sequentially is provided. The computing device includes a processor that is configured to retrieve operational stage data that includes sets of rules defining changes to one or more attributes of a component of... Mastercard International Inc

04/05/18 / #20180096350

Method and system for correlating mobile device location with electronic transaction data

A method for privacy protection in use of geolocation for transaction authorization includes: storing location profiles including a device identifier and account identifier; receiving a location notification including a specific device identifier and a geolocation; identifying a specific location profile including the specific device identifier; transmitting the geolocation and the... Mastercard International Inc

04/05/18 / #20180096352

Payment facilitation method and system

There is provided a method and system for facilitating a payment from a customer to a merchant, and a client device for facilitating a payment from a customer to a merchant. The various aspects rely on use of a merchant identifier based on a client device geolocation.... Mastercard International Inc

04/05/18 / #20180096354

Systems and methods for biometric identity authentication

A method for authenticating a user identity for a data transaction is provided. The method is implemented using an identity authentication computing device in connection with a memory and a data transaction processor. The method includes receiving a request from a first user of a first client device for a... Mastercard International Inc

04/05/18 / #20180096356

Method and initiating a verified payment transaction

The present disclosure generally relates to a method and apparatus for initiating a verified payment transaction between the customer and a merchant. The method comprises: receiving image data associated with facial features of the customer; initiating a verification process comprising: generating first facial metrics based on the image data; comparing... Mastercard International Inc

04/05/18 / #20180096381

Method and system for real-time measurement of campaign effectiveness

A method for real-time measurement of campaign effectiveness includes: storing device profiles, each including a hashed device identifier, geographic location, and transaction entries including a transaction date and transaction data; receiving a data request including a start date, end date, merchant identifier, a plurality of device identifiers, and, for each... Mastercard International Inc

04/05/18 / #20180096423

Methods and systems for managing consumer savings with credit card transactions

In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory.... Mastercard International Inc

04/05/18 / #20180096428

Methods, systems, and networks, for proactive currency exchange

A method for performing proactive currency exchange can include receiving, by a processor, a request from an account member to exchange at least a portion of funds in the member account from a current currency of the funds to at least one alternative currency. The member account can be a... Mastercard International Inc

03/29/18 / #20180089221

Methods and managing access to file content

A method of providing access to file content comprises: receiving, at a shared file content server, a request to access file content stored on the shared file content server from a requestor; determining a shared portion of the file content using stored shared portion indication data; and providing the shared... Mastercard International Inc

03/29/18 / #20180089320

Systems and methods for use in securing data of a multi-tenant data structure

Disclosed are exemplary embodiments of systems and methods for securing data of a multi-tenant data structure. One exemplary method generally includes receiving a data request directed to a data structure, identifying a user associated with the data request, and activating, by a computing device, a data query filter based on... Mastercard International Inc

03/29/18 / #20180089639

System and routing ach payments initiated within vendor-defined ach payment schemes

The subject invention provides a system and method which permits routing of ACH payments between vendor-defined ACH payment schemes. The system generally includes one or more routing computing units located on an electronic payment network configured to electronically route ACH formatted messages.... Mastercard International Inc

Patent Packs
03/29/18 / #20180089647

System and electronically providing electronic transaction records

Systems and methods are provided for facilitating automatic provisioning of electronic records to a user conducting transactions at transaction terminals and using a variety of different transaction accounts. In particular, the transaction terminal can automatically capture a unique universal identifier (global ID) associated with the user. Using the global ID,... Mastercard International Inc

03/29/18 / #20180089648

Multi-network linking stored on-file data with profile data

An automatic billing and cardholder profile updater (ABCPU) computing device is provided. The ABCPU computing device receives an update request including an account identifier and associated with a candidate payment account over a first network, retrieves billing data associated with the candidate payment account from a billing database that stores... Mastercard International Inc

03/29/18 / #20180089666

Virtual wallet account with automatic-loading

Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with... Mastercard International Inc

03/29/18 / #20180089687

System and linking bill payment service with remittance

An enrollment of a receiver in a biometric authentication system is obtained. The receiver is challenged with a pre-remittance biometric challenge from the biometric authentication system prior to initiating a remittance to the receiver. An indication is obtained that the remittance has at least been initiated to a financial account... Mastercard International Inc

03/29/18 / #20180089688

System and methods for authenticating a user using biometric data

A computer-based method for authenticating a user using biometric data is provided. The method is implemented using a biometric validation server in communication with a memory. The method includes storing, at the biometric validation server, a plurality of biometric identifiers, and receiving, from a requestor, an authentication request message for... Mastercard International Inc

03/29/18 / #20180089720

Method and system for communicating advertisement materials

A computer-implemented method and system are provided for communicating advertisement materials to a user. In one aspect, the method includes: receiving identifier data and location data from a mobile device of the user; retrieving a profile of the user from a user database based on the identifier data, the user... Mastercard International Inc

03/29/18 / #20180089741

Method and system for providing merchant referrals to consumers

A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier... Mastercard International Inc

03/22/18 / #20180082041

Systems and methods for fitness reporting using payment cards

A computer-implemented method for tracking fitness data of a cardholder by using a fitness payment card and a fitness tracking computing device is provided. The method includes storing registration data, wherein the registration data includes an account identifier associated with the fitness payment card and the cardholder. The method also... Mastercard International Inc

03/22/18 / #20180082082

Method and system for double anonymization of data

A method for double anonymization of data includes: receiving, by a first computing system, a plurality of first data sets, each including a set identifier and personally identifiable information; anonymizing, by the first computing system, each of the first data sets, by hashing the set identifier included in each first... Mastercard International Inc

03/22/18 / #20180082272

System and enhancing financial transactions at a point-of-sale

Embodiments of the disclosure enable a computing system to enhance one or more financial transactions. The computing system identifies a cardholder account used to enter into a financial transaction, identifies a merchant and/or a primary product associated with the financial transaction, analyzes cardholder data associated with the cardholder account and... Mastercard International Inc

03/22/18 / #20180082283

Shared card payment system and process

A data processor implemented process for making a payment from a shared payment card is provided. The data processor implemented process includes a user device, including at least one computing device being configured to make a payment from a shared payment card, a data processor implemented process for authorizing a... Mastercard International Inc

03/22/18 / #20180082294

Method and system for integration of market exchange and issuer processing for blockchain-based transactions

A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and... Mastercard International Inc

03/22/18 / #20180082298

Method and system for authorization of multiple transactions using a single authentication process

A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more... Mastercard International Inc

03/22/18 / #20180082322

Methods and systems for operating a loyalty program

A computer implemented method of operating a loyalty program using a computer system is provided. The method includes transmitting to communication devices associated with a corresponding plurality of consumers, who are members of the loyalty program, information describing at least one merchant, wherein the at least one merchant is a... Mastercard International Inc

03/22/18 / #20180082354

Methods and analyzing transaction data relating to electronic commerce

A computer implemented method of analyzing transaction data relating to electronic commerce is provided which comprises: receiving, in an electronic commerce analysis server, first transaction data indicating transactions made by payment cards of a first payment card type; identifying, in the electronic commerce analysis server, first electronic commerce transactions in... Mastercard International Inc

03/22/18 / #20180082370

Credit card product with dynamic interest rate based on balance/spending in merchant categories

A method includes establishing a credit account, setting a first interest rate and setting a second interest rate. The first interest rate is applicable to a first category of transactions charged to the credit account. The second interest rate is applicable to a second category of transactions charged to the... Mastercard International Inc

03/22/18 / #20180082459

Detecting real estate vacancies using satellite imagery

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving,... Mastercard International Inc

03/15/18 / #20180075467

Methods and identifying and classifying customer segments

A computer implemented method of identifying and classifying customer segments is disclosed. The method comprises: receiving customer purchase history data for a plurality of payment cards of a payment card account type associated with a merchant organization, the customer purchase history data comprising indications of transactions carried out by customers... Mastercard International Inc

03/08/18 / #20180068284

Method and system for browser-integrated generation of controlled payment numbers

A method for automatic generation and usage of a controlled payment number includes: storing at least an account identifier; receiving web page data originating from a first computing system, the data including a form having a plurality of input fields including a primary account number field and additional web page... Mastercard International Inc

03/08/18 / #20180068293

Method and system for allowing offline peer-2-peer transactions using exchangeable provisioned tokens

Provided are a computer-implemented method and system for performing an offline peer-to-peer (P2P) based transaction between a payer device and payee device, comprising establishing communication between the payer device and payee device via a short-range wireless communication protocol; sending transaction information data regarding a transaction from the payee device to... Mastercard International Inc

03/08/18 / #20180068297

Method and system for cardless atm transaction via mobile device

A method for initiating a cardless automated teller machine (ATM) transaction via a mobile computing device includes: storing, in a memory of a mobile computing device, at least transaction account data and authentication data; receiving, by an input device of the mobile computing device, at least desired transaction data and... Mastercard International Inc

03/08/18 / #20180068299

Method and system for distribution of advertisements to mobile devices prompted by aural sound stimulus

A method of acoustic-based data distribution includes recognizing a high frequency analog acoustic signal by an acoustic receiver of a mobile computing device. The high frequency analog acoustic signal includes a stream of sound that is outside the audible spectrum of a human, and contains encoded data. An analog-to-digital converter... Mastercard International Inc

03/08/18 / #20180068314

Systems and methods for providing notification services using a digital wallet platform

Embodiments of the disclosure enable a system to provide notification services. The system receives account selection data associated with one or more cardholder accounts, identifies contact data corresponding to one or more issuer devices associated with the one or more cardholder accounts, generates notification data associated with the one or... Mastercard International Inc

03/08/18 / #20180068318

Systems and methods for performing payment card transactions using a wearable computing device

A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. The portable computer device includes a processor, a memory, and... Mastercard International Inc

03/08/18 / #20180068331

Method and system for creating a control group for campaign measurements

A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a... Mastercard International Inc








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