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Mastercard International Incorporated
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Mastercard International Incorporated patents


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

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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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

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 Incorporated

03/01/18 / #20180060839

Systems and methods for predicting chargeback stages

A chargeback prediction computing device for predicting a chargeback stage for a payment transaction is provided. The chargeback prediction computing device is configured to store chargeback data from a plurality of chargebacks associated with a plurality of account holders wherein the chargeback data includes a plurality of variables, determine a... Mastercard International Incorporated

03/01/18 / #20180060840

Method for managing funds transferal

A method for managing funds is provided. The method includes receiving a payment vehicle identifier by which a payment vehicle can be identified, the payment vehicle includes an available account balance, transaction details of a purchase transaction, and the transaction details, sending a first amount that is less than or... Mastercard International Incorporated

03/01/18 / #20180060841

Method and system for effecting a pre-paid redeemable transaction

Provided are a method and system for effecting a pre-paid redeemable transaction. The method comprises generating payment request data associated with a benefactor on a payer application; the payment request data comprises redeemable payment data associated with a predetermined beneficiary which is valid for a predetermined time period. The payment... Mastercard International Incorporated

03/01/18 / #20180060862

Systems and methods for consolidated message processing

A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web-based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format.... Mastercard International Incorporated

03/01/18 / #20180060869

Method and system for location scoring based on cardholder wallet item redemption

A method for location scoring a transaction based on item redemption includes: receiving a redemption notification, the notification including an indication of redemption of an item; receiving a transaction message related to a payment transaction, the transaction message being formatted based standards and including a plurality of data elements including... Mastercard International Incorporated

03/01/18 / #20180060898

Methods and systems for operating a loyalty program for a consumer associated with a first currency

A consumer who is a member of a computer-implemented loyalty program and who is associated with a first currency, is permitted to redeem loyalty points in exchange for a payment in a second currency which is different from the first currency. The payment may be made in the form of... Mastercard International Incorporated

03/01/18 / #20180061155

Method and system for access control

The present disclosure generally relates to a computerized method comprising: communicating access details of the facility from the mobile device to the facility for a first authentication process, the mobile device located in the vicinity of the facility initially in a secured state for preventing access thereto; receiving a request... Mastercard International Incorporated

02/22/18 / #20180052699

Generating computer executable instructions

There is provided a method and apparatus for generating computer executable instructions to allow computer interaction with a graphical user interface. The method and system provide a mechanism to allow users to easily generate computer executable instructions in the form of scripts. Thus, unskilled users can readily define scripts without... Mastercard International Incorporated

02/22/18 / #20180052761

Systems and methods for use in distributed and incentivized code testing

Systems and methods are provided for use in distributing code testing tasks among multiple testers, and incentivizing testing with rewards. One exemplary method includes testing, by a computing device, a code set, where the testing is performed by a tester associated with a profile, and receiving, by the computing device,... Mastercard International Incorporated

02/22/18 / #20180053005

Method and system for secure device based biometric authentication scheme

A method for device based biometric authentication includes: storing, in a computing device, an encrypted biometric template; storing, in a first memory of the computing device, at least a first application program; storing, in a second memory of the computing device, at least a second application program and an encryption... Mastercard International Incorporated

02/22/18 / #20180053133

System and optimizing supply of rental vehicles

A system and a method for optimizing supply of rental vehicles, comprising receiving customer data associated with a plurality of customers from a plurality of sources; classifying the customers into a plurality of segments, based on said data, each segment being indicative of vehicle rental preferences of customers in the... Mastercard International Incorporated

02/22/18 / #20180053159

Transaction control management

A method of performing transaction processing operations at computing apparatus is provided, together with computing apparatus adapted to manage these operations. The computing apparatus includes a programmed processor adapted to provide the following functional elements. A transaction processing management node is adapted to install and deinstall transaction processing nodes. A... Mastercard International Incorporated

02/22/18 / #20180053166

Methods and systems for initiating a financial transaction by a cardholder device

A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with... Mastercard International Incorporated

02/22/18 / #20180053178

Method for facilitating dispensing fuel into a vehicle

A method for facilitating to dispense of fuel into a vehicle is provided. The method includes receiving from the vehicle, a vehicle identifier for identifying the vehicle, retrieving payment vehicle, retrieving payment details, for payment for the fuel, from a remote server based on the vehicle identifier, and authorizing dispensing... Mastercard International Incorporated

02/22/18 / #20180053185

Systems and methods for use in facilitating transactions

Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where the payment account is associated with at least one authentication procedure requiring input from... Mastercard International Incorporated

02/22/18 / #20180053187

Systems and methods for use in authenticating consumers in connection with payment account transactions

Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In an exemplary embodiment, a method generally includes generating, by a computing device, an authentication request for a consumer in response to a transaction by the consumer at a merchant. The... Mastercard International Incorporated

Patent Packs
02/22/18 / #20180053190

Method and system for authorizing an electronic transaction

A method and system are provided for authorizing an electronic transaction between two entities. The method includes receiving, at a verification module, coincidentally captured facial image data relating to both of the two entities and authenticating each of the two entitiesbased on a comparison between the coincidentally captured facial image... Mastercard International Incorporated

02/22/18 / #20180053211

Systems and methods for identifying potential advertising opportunities for events based on aggregate consumer profiles

Systems and methods are provided for identifying advertising opportunities for subsequent events, based on event data and transaction data for similar prior events. One exemplary method includes accessing event data associated with a prior event where the event data includes tags associated with the prior event, and accessing transaction data... Mastercard International Incorporated

02/22/18 / #20180053242

Method for making a transaction

In one aspect, a method is provided for making a transaction, the method including receiving, at a merchant system: a basket for purchase; and a unique code identifying a user. The method also includes reading, using the merchant system, one or more biomarkers from the user and identifying, from a... Mastercard International Incorporated

02/22/18 / #20180053440

Systems and methods for using a smart refrigerator to implement accountability measures associated with intake objectives

A smart refrigerator including a processor, a memory, and a user interface is described herein. The smart refrigerator is configured to receive user input of a nutritional objective from a user via the user interface, and receive user input of a grocery order including a plurality of grocery items via... Mastercard International Incorporated

02/22/18 / #20180054312

Method and system for secure fido development kit with embedded hardware

A method for registration of a biometric template in a computing device includes: storing, in a first memory of a computing device, a biometric module; receiving, by an input device of the computing device, biometric data of a user; generating, by the biometric module of the computing device, a template... Mastercard International Incorporated

02/15/18 / #20180046344

System and payment using a mobile device

A system and method is disclosed for a contactless payment enabled smartphone in which a user can toggle between multiple payment methods, i.e. multiple different credit/debit card accounts, by predefined user actions, alone or in combination with the act of changing the physical orientation of the smartphone, and complete a... Mastercard International Incorporated

02/15/18 / #20180046958

Method and system for a transportation mobility platform

A method for providing travel service options to a traveler mobile device includes: storing, account profiles, each including data related to a transaction account including an account identifier and contact information; storing transaction rules, each associated with a travel service option and including a required action; receiving a data message... Mastercard International Incorporated

02/15/18 / #20180046994

Method and system for restricting transactions to allowed products

A method for identification of pre-approved products in a limited use account includes: storing, in a memory of a computing device, at least an account identifier; receiving, by an input device of the computing device, one or more product identifiers; electronically transmitting, by a transmitting device of the computing device,... Mastercard International Incorporated

02/15/18 / #20180046995

Systems and methods for monitoring health indicators associated with applications

Systems and methods for use in evaluating health associated with one or more applications are disclosed. One exemplary method includes exposing, by a computing device, an application programming interface (API) where the API defines a standard form associated with health indicator packets, and receiving, at the computing device, via the... Mastercard International Incorporated

02/15/18 / #20180047001

Methods and assessing a potential location for an automated teller machine

A computer implemented method of assessing a potential location for an automated teller machine is disclosed. The method comprises: receiving, at an ATM location assessment server, transaction data corresponding to transactions in a geographic area including the potential location; receiving, at the ATM location assessment server, an indication of a... Mastercard International Incorporated

02/15/18 / #20180047015

Faster digital wallet processing

The present disclosure relates to increasing the speed of usage of digital wallets. A method of processing a digital wallet transaction comprises: receiving a transaction authorisation request message comprising a transaction value and payment credentials for a holding credit line; and responsive thereto, comparing the transaction value to the holding... Mastercard International Incorporated

02/15/18 / #20180047021

System and token-based transactions

Provided are a system and methods for reducing the amount of payment information stored by a merchant. In one example, a method includes receiving payment card information of a cardholder from a payment information receiving module displayed in a web browser of a computing device, generating a token for the... Mastercard International Incorporated

02/15/18 / #20180047024

Systems and methods for use in facilitating application of services for purchase transactions based on tokens

Disclosed are exemplary embodiments of systems and methods for facilitating services associated with transaction requests. In an exemplary embodiment, a method generally includes receiving, from a first entity, a transaction request for a payment account transaction. The transaction request includes a primary account number (PAN) for a payment account involved... Mastercard International Incorporated

02/15/18 / #20180047046

Methods and systems for obtaining a reward from a loyalty program

A computer-implemented method and computer system are proposed for assisting a consumer associated with a plurality of loyalty programs, and who wishes to obtain a reward using loyalty points. The consumer interacts with a computer system with access to a database containing information about the loyalty programs with which the... Mastercard International Incorporated

02/15/18 / #20180047047

Systems and methods for use in incentivizing consumers to adjust utility usage

Exemplary systems and methods are provided for incentivizing consumers to adjust utility usage at their premises. One exemplary method includes receiving, at a computing device, from a utility provider, a challenge defining a reduction in a utility usage by a consumer, in exchange for an incentive, and causing, by the... Mastercard International Incorporated

Patent Packs
02/15/18 / #20180047069

System and fulfilling an inquiry through an online structure

Systems, methods, and software products, fulfill a request through an online structure. The request for a request amount is received within the online structure from a requestor. The request amount is divided by a split amount to determine a chosen number of potential donors from which to request donations. The... Mastercard International Incorporated

02/15/18 / #20180047112

Transaction-history driven counterfeit fraud risk management solution

Transaction data is gathered for a plurality of successful payment device transactions in a first environment. The transaction data is filtered to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist. The whitelist is made available to at least... Mastercard International Incorporated

02/15/18 / #20180048649

Systems and methods for authenticating an online user using a secure authorization server

A secure authorization server computer system for verifying an identity of an end-user is provided. The computer system is programmed to receive, from a computing client, an authentication request at an authorization component. The authentication request includes a secure authentication request identifier. The computer system is also programmed to validate... Mastercard International Incorporated

02/08/18 / #20180037114

Smart key devices and methods

A smart key device for use with a vehicle is disclosed. The smart key comprises: an interface configured to communicatively couple with a controller of the vehicle; and a non-volatile storage module configured to store a deactivation message configured to cause the controller of the vehicle to deactivate and/or limit... Mastercard International Incorporated

02/08/18 / #20180039964

Transaction system

There is provided a method of initiating a transaction using a transaction system having at least one transaction terminal, and also a transaction system for initiating a transaction via a transaction terminal. The transaction can be initiated without requiring an account card.... Mastercard International Incorporated

02/08/18 / #20180039966

System and processing a transaction using account information on file

Provided are a system and method for identifying a transaction as a card on file payment transaction. The method may include receiving an authorization request message for a transaction from a merchant computing device, detecting payment account information and an identifier which are included in the authorization request message, where... Mastercard International Incorporated

02/08/18 / #20180039968

Mobile payment method and system

A system and method is disclosed for facilitating a mobile payment. A mobile phone 2 is provided and a front-facing camera 6 of the mobile phone 2 can image the display screen 14 of a point of sale device 10. In one arrangement one or more processors in the mobile... Mastercard International Incorporated

02/08/18 / #20180039970

Systems and methods for use in expanding account services

Disclosed are exemplary embodiments of systems and methods for use in extending credit services to prepaid payment accounts, based on anticipated load transaction thereto. In an exemplary embodiment, a method generally includes receiving an advance request, from a user, for a prepaid account. The prepaid account is associated with anticipated... Mastercard International Incorporated

02/08/18 / #20180039972

Mobile push payments

There is described herein a method of conducting a mobile transaction, comprising: a card processor server receiving an authorisation message from an application programming interface (API) running on a sending institution server, the authorisation message comprising a push code indicating that the transaction should be processed immediately; and the card... Mastercard International Incorporated

02/08/18 / #20180039976

Method and system for in-store wireless mobile payment

A method and system for in-store wireless mobile payment are provided. The method provides for accessing a secure wireless network used by an in-store system so as to make payment for goods or services over the secure wireless network. The method comprises initializing an application installed in a device capable... Mastercard International Incorporated

02/08/18 / #20180039984

Systems and methods for locally processing a financial transaction

Embodiments of the disclosure enable a merchant system to locally process one or more financial transactions at the merchant system. The merchant system receives a payment request associated with a financial transaction, determines a network communication status associated with a network interface device coupleable to a payment processing network, and,... Mastercard International Incorporated

02/08/18 / #20180039988

Methods for controlling access to a financial account

Disclosed herein are systems and methods for controlling financial account access. In one aspect, a method is provided, including storing a financial account in a database, having details of one or more payment vehicles and a mobile phone number, and associating, in the database, a unique access token with the... Mastercard International Incorporated

02/08/18 / #20180040073

Payment card network data validation system

A method for validating tax data of a taxable entity comprises: receiving at a computer processor, payment card transaction records including at least one of a customer identifier, a merchant identifier, and transaction purchase amounts corresponding to entity purchase transactions over a given time period; analyzing the payment card transaction... Mastercard International Incorporated

02/08/18 / #20180040084

Method and an effecting a transaction

A computer-implement method, at a server, for effecting a transaction is disclosed, the method comprising the steps of receiving, from a payee device, a payee payment threshold amount identifying a minimum amount that a payee is willing to accept for a predetermined number of goods for the transaction; receiving, from... Mastercard International Incorporated

02/08/18 / #20180041488

System and methods for enhancing authentication procedures in an anti-fraud environment

A system, method, and computer readable medium enhance authentication procedures in an anti-fraud environment when an access control server (ACS) is unavailable to generate a full authentication for unique identifying information received in a current communication from a website. An availability detector verifies that the access control server remains unavailable.... Mastercard International Incorporated

02/08/18 / #20180041502

Method and system for enhanced validation of cryptograms in cloud-based systems

A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where... Mastercard International Incorporated

02/01/18 / #20180032973

Method of swapping card accounts used in a financial transaction

A method of swapping card accounts used in a financial transaction comprises generating an authorisation code in response to receipt of a request for card accounts to be swapped, the request comprising data indicative of a transacting card account used to fund the financial transaction, transmitting the authorisation code, receiving... Mastercard International Incorporated

02/01/18 / #20180032977

Method and system for transferring funds from a sender account to a receiver account

A method and system for transferring funds from a sender account to a receiver account, comprising: generating a token in one of a sender device or a receiver device, the token comprising data of either the sender account or the receiver account; transmitting, to the other of the sender device... Mastercard International Incorporated

02/01/18 / #20180032995

System and electronically providing receipts

Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing... Mastercard International Incorporated

02/01/18 / #20180032996

Data sharing with card issuer via wallet app in payment-enabled mobile device

A payment-enabled mobile device runs a merchant wallet application. The mobile device engages in a transaction with the merchant at the point of sale. Transaction detail data is transmitted from the wallet application to a transaction authentication server. The transaction detail data includes details of the transaction. A response message... Mastercard International Incorporated

02/01/18 / #20180033011

Method and system for risk based decisioning for one click checkout

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... Mastercard International Incorporated

02/01/18 / #20180033012

System and presenting targeted in store coupon and advertisement to customer based on their transaction history

Method for presenting targeted messages can include initiating a transaction with a cardholder to purchase an item. The merchant can receive a selection from the cardholder to obtain the item at a merchant location. The merchant can also receive information identifying a customer who will obtain the item at the... Mastercard International Incorporated

02/01/18 / #20180033023

Systems and methods for characterizing geographic regions

An analytics reporting computing device for generating a region report of a geographic region is described. The analytics reporting computing device is configured to receive a request for a region report, the request identifying a geographic region including a plurality of sub-regions and at least one selected region characteristic, and... Mastercard International Incorporated

02/01/18 / #20180033035

Method and system for payment card linked offer generation

A method for generation and distribution of protected user-specific information includes encrypting, by a processing device of a computer system, using a first encryption key of an encryption key pair, predetermined digits of a payment account number, the encryption yielding an encrypted identifier. The processing device of the computer system... Mastercard International Incorporated

02/01/18 / #20180034511

Enchanced device interaction

A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and... Mastercard International Incorporated








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