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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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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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

01/25/18 / #20180025292

Systems and methods for optimizing travel bookings

Systems and methods for optimizing travel bookings. A travel analyzing computing device is configured to retrieve historic transaction data including addendum data from travel booking transactions of cardholders. The travel analyzing computing device then extracts booking information comprising booking dates, travel dates, and prices from the retrieved historic transaction data.... Mastercard International Incorporated

01/25/18 / #20180025333

Method for collecting and processing electronic donations from an financial account

A method for collecting and processing electronic donations from an electronic account of a user, initiated by the user at a user terminal, includes presenting, on an electronic donation application, potential recipients for the electronic donation; receiving a user selection of a recipient for the electronic donation together with the... Mastercard International Incorporated

01/25/18 / #20180025335

Method and system for gesture-based confirmation of electronic transactions

A method for electronically transmitting data based on a physical gesture includes: storing at least one gesture pair, wherein each gesture pair includes at least a physical gesture and an associated data conveyance, the physical gesture being stored as one or more data points telegraphing three-dimensional movement; capturing a plurality... Mastercard International Incorporated

01/25/18 / #20180025350

Methods, systems, networks, and media for transferring data streams through vibration to haptic devices

A method for performing a point of sale transaction can include determining that a mobile payment device is within a predetermined distance of a merchant terminal. The processor of the mobile payment device can obtain digital wallet information associated with the user of the mobile payment device. The processor can... Mastercard International Incorporated

01/25/18 / #20180025353

System and end-to-end key management

Provided are a system and method for managing encryption keys used by a payment application on a mobile device. The method includes executing a mobile payment application in a user domain of the mobile device, where the user domain is an operating environment in which applications are executed and accessed... Mastercard International Incorporated

01/25/18 / #20180025354

Systems and methods for mapping non-validated data with validated data

A data mapping (DM) computing device including a processor and a memory in communication with the processor is provided. The processor receives a plurality of validated data messages associated with a plurality of transactions through a first communication channel and receives a non-validated data message associated with a first transaction... Mastercard International Incorporated

01/25/18 / #20180025357

System and preventing multiple refunds and chargebacks

A system and a method for determining whether a refund has been issued by at least one of multiple parties having potential responsibility for issuing a refund. Issuance of multiple refunds to a claimant or claimants, or chargebacks to acquirers when a refund has been issued is prevented. The system... Mastercard International Incorporated

01/25/18 / #20180025404

Systems and methods for interactive decision-making

A system for facilitating a purchasing decision is provided. The system includes a decision-making computing device configured to obtain purchase criteria, to apply the purchase criteria to a list of available purchases to determine a list of candidate purchases, and to determine a final purchase decision from the list of... Mastercard International Incorporated

01/25/18 / #20180025422

Method and system for real-time controls on credit check requests

A method for determining real-time authorization of a credit check includes: storing a plurality of account profiles, each including an account number and communication preferences; receiving a transaction message related to an electronic transaction from a payment network, the message including a specific account number, a credit identifier, and transaction... Mastercard International Incorporated

01/25/18 / #20180026784

Secure channel establishment

A method of establishing a secure channel for communication between a first computing device and a second computing device is described. The method uses an elliptic curve Diffie-Hellman protocol, wherein G is an elliptic curve generator point and the first computing device has a unique private key dc with a... Mastercard International Incorporated

01/25/18 / #20180026930

Method and system for automatic content based e-mail recipient determination

A computer implemented method for automatic, content based potential e-mail recipient determination, the method comprises the steps of comparing, by a sender, application plugin, the content of an e-mail being written by a user with keywords listed in as entries in a database, wherein the keywords are correlated with at... Mastercard International Incorporated

01/18/18 / #20180018648

Systems and methods for managing user accounts using a directory kiosk system

Embodiments of the disclosure enable a plurality of user accounts to be managed using a directory kiosk system. The directory kiosk system includes a controlled apparatus including a lock mechanism selectively configurable between a restricted configuration and an accessible configuration, and a control system that identifies tenant data associated with... Mastercard International Incorporated

01/18/18 / #20180018655

Dynamic screen logo that transmits shopping basket connection information to mobile device

A design element is displayed on a display screen. The design element is modulated over time to encode data in the design element. The design element is presented by a merchant. A camera component of a mobile device is used to capture images over time of the design element. A... Mastercard International Incorporated

01/18/18 / #20180018666

Methods and systems for securing a payment

A method and system are presented for securing a payment initiated by a payee. The method comprises the operations of: a service provider (i) receiving a request from a payee for a payment transaction to be made, the request comprising a payee identifier, payer identifier and transaction amount; (ii) generating... Mastercard International Incorporated

01/18/18 / #20180018668

Systems and methods for updating payment card expiration information

A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment... Mastercard International Incorporated

01/18/18 / #20180019867

Method and system for partitioned blockchains and enhanced privacy for permissioned blockchains

A method for generation of blocks for a partitioned blockchain includes: storing blocks comprising a partitioned blockchain, wherein each block includes a header and transaction entries; receiving transaction data entries for each of a plurality of subnets; generating a hash value of the header included in the most recently added... Mastercard International Incorporated

01/18/18 / #20180019921

Method and system for node discovery and self-healing of blockchain networks

A method for automatic configuration of a communication network includes: generating a request message, the request message including a communication address associated; transmitting the generated request message as a broadcast message to a plurality of computing devices using a predefined user datagram protocol (UDP) port, the message being broadcast with... Mastercard International Incorporated

01/11/18 / #20180012163

Method and system for providing sales information and insights through a conversational interface

A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to... Mastercard International Incorporated

01/11/18 / #20180012223

Methods and computer systems for implementing a payment card network

A computer-implemented method of operating a payment card network is proposed in which the expiry date of each payment card is stored, not on or in the payment cards themselves, but as a payment card record within an electronic database. When the payment card is used, the record is accessed... Mastercard International Incorporated

01/11/18 / #20180012226

Methods for risk management in payment device system

Methods and systems are described for setting a risk management limit to be applied to authorized purchase transactions for a payment card account. In an embodiment, a payment card issuer sets a risk management limit to be applied to authorized purchase transactions for a payment card account, receives an authorization... Mastercard International Incorporated

01/11/18 / #20180013567

Method and system for verification of identity attribute information

A method for verification of a data value via a Merkle root includes: storing, in a memory of a processing server, a Merkle root; receiving at least a data value, a nonce, and a plurality of hash path values; generating a combined value by combining the data value and the... Mastercard International Incorporated

01/04/18 / #20180004849

Method and system for assessment of retirement communities and residents

A method of identifying retirement communities, comprising: executing a query on the transaction database and the geo-demo database to identify a plurality of community clusters; electronically storing, a plurality of retirement community data, wherein each retirement community data includes a plurality of data elements including at least a first data... Mastercard International Incorporated

01/04/18 / #20180005204

Computerized methods and computer systems for matching customers with merchants

For each of multiple customers, a computer system constructs a customer preference model using transactional level data relating to purchases the customers have made using respective payment cards. The computer system has access to a database with merchant data, including profiles of merchants. Upon the customer contacting the computer system... Mastercard International Incorporated

01/04/18 / #20180005206

Method and system for cardless disbursement from an automated teller machine

A method for cardless withdrawal from an automated teller machine includes: receiving, by an input device of an automated teller machine (ATM), user input comprising at least: a first code, a device identifier associated with a computing device, and a transaction amount; electronically transmitting, by the ATM, at least the... Mastercard International Incorporated

01/04/18 / #20180005255

Method and system for indexing of agricultural regions

A method for indexing economic impact of weather events is described. The method includes storing transaction data regarding payment transactions made by customers in a geographic area, receiving weather information regarding weather events in a time period, identifying transaction data related to the weather information, calculating an index value that... Mastercard International Incorporated

01/04/18 / #20180005313

Method and system for determining a new location for a merchant

A computer-implemented method is proposed for determining a new location for a merchant. The method comprises: a) obtaining transaction data for a plurality of cardholders; b) obtaining location data for said cardholders; c) combining the location data with the transaction data; d) analyzing the locations of cardholders performing transactions at... Mastercard International Incorporated

01/04/18 / #20180007035

Systems and methods for authenticating network messages

Networks and methods for use in authenticating messages are provided. One exemplary method generally includes receiving a message from a client, where the message includes a client certificate. The method also includes validating, by an application programming interface (API) gateway, a computing device based on a certificate identifying the computing... Mastercard International Incorporated

12/28/17 / #20170372275

Method and system for authorizing and processing payment transactions over a network

A method for authorizing and processing payment transactions over a network, the method comprising the steps of initiating, responsive to a user payment request to process a payment for a purchase on a merchants web site, a user interface, establishing a secure communication channel between the interface and an account... Mastercard International Incorporated

12/28/17 / #20170372316

Methods and systems for leveraging transaction data to dynamically authenticate a user

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an... Mastercard International Incorporated

12/28/17 / #20170372353

System and card-linked services

A system and method for optimizing at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion. Acceptances of the promotion are received following each user's selection of the promotion. Information representing users is received from publisher computing devices. Thereafter, respective match keys... Mastercard International Incorporated

Patent Packs
12/28/17 / #20170372355

Method and determining an effectiveness of an electronic advertisement

determining the effectiveness of the electronic advertisement based on the transaction data and a relevance score of the user, the relevance score indicating the relevance of the electronic advertisement to the user.... Mastercard International Incorporated

12/28/17 / #20170372435

Methods and systems for processing records submissions for tax assessment

A method of processing a record submission for tax assessment is disclosed. The method comprises receiving transaction data associated with an electronic payment transaction carried out using a payment account held by an account holder at a financial institution, said transaction data being indicative of a transaction amount. A tax... Mastercard International Incorporated

12/28/17 / #20170372440

Systems and methods for identifying commercial vacancies

A vacancy identification (VI) computing device is provided. The VI computing device includes a processor in communication with a memory. The processor generates a storefront profile including a status indicator for a candidate storefront located at a commercial property, stores the storefront profile within the memory, and registers a user... Mastercard International Incorporated

12/21/17 / #20170364577

Search engine data validation method and system

A system, method, and computer-readable storage medium configured to validate data to ensure that a computing system operates on clean, correct and useful data.... Mastercard International Incorporated

12/21/17 / #20170364705

Method and system for obfuscation of granular data while retaining data privacy

A method for obfuscating granular transaction data via the introduction of noise includes: storing transaction data entries, each including transaction data values including at least a transaction amount and merchant identifier; receiving a data request including selection criteria and desired metrics; identifying a subset of transaction data entries based on... Mastercard International Incorporated

12/21/17 / #20170364780

Method and dynamic interchange pricing

Methods and systems for dynamically determining interchange fees. In an embodiment, an acquirer computer transmits a payment card account authorization request to a payment processing network, and receives an authorization response authorizing the transaction and comprising a spending history indication reflecting a compilation of spending history data of a group... Mastercard International Incorporated

12/21/17 / #20170364837

Methods and predicting dynamic pricing

A computer implemented method for predicting dynamic pricing for a product or service is disclosed. The method comprises: receiving, at a server, transaction data for a plurality transactions relating to the product or service, the transaction data comprising transaction information indicating attributes of the transaction and booking information indicating attributes... Mastercard International Incorporated

12/21/17 / #20170364878

Systems and methods for bridging transactions between eft payment networks and payment card networks

A method of operating a payment network bridging computer includes receiving a first transaction request message in the payment network bridging computer. The first transaction request message includes a first addressing indicator that represents a funding account. The first addressing indicator is of a type used in a payment card... Mastercard International Incorporated

12/21/17 / #20170364879

Transaction flows and transaction processing for bridged payment systems

In operating a payment card account transaction acquirer computer, a transaction request message is received from a merchant. The message represents a purchase transaction accepted by the merchant. The transaction request message is in a format required by a payment card account system. The message includes an indication that funds... Mastercard International Incorporated

12/21/17 / #20170364880

System and tokenizing deposit account numbers for use at payment card acceptance point

A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. The payment token is translated into a funding account indicator. The funding account indicator is in a format defined for payment card account... Mastercard International Incorporated

12/21/17 / #20170364883

Systems and methods for providing multiple communications network options

A networking system for transmitting a data message from one or more remote client devices to a central processing hub is provided. The system includes a plurality of communications networks each connecting the central processing hub with the one or more remote client devices. The plurality of communications networks includes... Mastercard International Incorporated

12/21/17 / #20170364890

System and payment of merchants on behalf of payment card system transaction acquirers

A card payment network handles a payment card account system transaction. The transaction involves a merchant and was acquired by a transaction acquirer. The card payment network initiates an electronic funds transfer to credit the merchant's bank deposit account on behalf of the transaction acquirer.... Mastercard International Incorporated

12/21/17 / #20170364900

Method and system for geofencing

A method for initiating a time- and geographic-based electronic transaction includes: storing, in a mobile computing device, payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area, the notification including payment terms; registering a first timestamp... Mastercard International Incorporated

12/21/17 / #20170364910

System and method to push payment to beneficiary account using an alias

A method includes receiving a funds transfer request. The request includes an alias character string. The request is for requesting a funds transfer. The alias character string is translated to payment routing information. The payment routing information specifies a recipient's financial institution deposit account. The funds request is routed via... Mastercard International Incorporated

12/21/17 / #20170364916

Systems and methods for building peer networks

A network builder (NB) computing device for building a peer network used to authenticate suspect payment transactions and thereby improve data security over a payment network is provided. The NB computing device includes a processor in communication with a memory. The processor retrieves candidate historical transaction data for a candidate... Mastercard International Incorporated

Patent Packs
12/21/17 / #20170364918

Systems and methods for budget, financial account alerts management, remedial action controls and fraud monitoring

A method includes applying at least one fraud management machine learning algorithm to a corpus of payment card account transactions. A fraud management profile is built for a payment account holder who performed the payment card account transactions. After the algorithm is applied, the account holder is issued access to... Mastercard International Incorporated

12/21/17 / #20170364935

Method and system for award identification based on transactional behavior and interests

A method for award identification based on transactional behavior and interests comprising: identifying a subset of transaction data entries stored in the transaction database, wherein each transaction data entry in the subset includes the transaction account; determining, when the subset of transaction data entries exceeds a predetermined threshold; qualifying, the... Mastercard International Incorporated

12/21/17 / #20170364971

Method and system for automatic e-mail account setup and linkage

A method for automatic email generation and delivery based on transaction account linkage includes: storing a plurality of account profiles, each related to a transaction account and including a primary account number and an email address automatically generated for the transaction account upon issuance; receiving a transaction message for a... Mastercard International Incorporated

12/14/17 / #20170357629

Systems and methods for generating a report from stream data

A processing device and method for generating data reports from a data stream are provided. The processing device may include an analyzer that may identify a data record by detecting a start record event indicator and an end record event indicator within the data stream, the start and end record... Mastercard International Incorporated

12/14/17 / #20170357685

Method and systems for monitoring changes for a server system

A method and systems for monitoring changes for a server system are disclosed. All data contents, for a first time point, of a dataset of the server system are obtained, and all data contents for a second time point of the dataset are also obtained. The first time point contents... Mastercard International Incorporated

12/14/17 / #20170357686

Method and systems for monitoring changes for a server system

A method and systems for monitoring changes for a server system are disclosed. Data are obtained from the server system, and the data are processed to determine a first change for the server system. A record of the first determined change is stored. The first determined change is then compared... Mastercard International Incorporated

12/14/17 / #20170357704

Method and systems for monitoring changes for a server system

A method and systems for monitoring changes for a server system are disclosed. The server system is operated on a first hardware system. Data is duplicated from the server system, and the data duplicated from the server system is transferred from the first hardware system on which the server system... Mastercard International Incorporated

12/14/17 / #20170357938

System and incremental object tracking and progressive remittance

A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has... Mastercard International Incorporated

12/14/17 / #20170357944

Methods and systems for generating a personnel records database

Methods and systems for generating a personnel records database are disclosed. The personnel records database includes data entries associated with a plurality of human subjects. In one aspect, the method includes a computer server, for each of a plurality of human subjects, (a) receiving, over a communication network, information characterizing... Mastercard International Incorporated

12/14/17 / #20170357955

Method and system for local and international funds transfer

A method of transferring funds between a user and a beneficiary, the method including, in one or more electronic processing devices: a) receiving a funds transfer request from a client device of the user, the funds transfer request being indicative of: i) user account information indicative of a user account... Mastercard International Incorporated

12/14/17 / #20170357956

Methods and systems for processing a fund transfer

Computer-implemented methods and systems of processing a fund transfer from a payer to a payee via a payment network are disclosed. A payer's communication device is used to make a fund transfer request and send payee information to a payment network server. The payee information includes a photograph of the... Mastercard International Incorporated

12/14/17 / #20170357962

Electronic chip for storing plurality of linked accounts

According to a first aspect of the invention, there is provided a carrier comprising an electronic chip having stored thereon data identifying a plurality of accounts each linked to a respective issuer, wherein the electronic chip is configured to instruct a terminal reading the electronic chip to prompt for selection... Mastercard International Incorporated

12/14/17 / #20170357963

Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device

Methods, systems, and computer readable media for utilizing and provisioning an aggregated soft card are disclosed. One method includes receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card.... Mastercard International Incorporated

12/14/17 / #20170357965

System and token based payments

Provided are a system and method for generating and transmitting tokenized payment information. In one example, the method includes transmitting a request for payment information to a payment network, receiving tokenized payment information of a payment account from the payment network, and transmitting the tokenized payment information to a merchant.... Mastercard International Incorporated

12/14/17 / #20170357966

Method and system for use of a proprietary private blockchain

A method for submitting data captured in a transaction message to a blockchain includes: storing account profiles, each including data related to a transaction account including a primary account number and fiat currency balance; receiving a transaction message including a specific primary account number, fiat transaction amount, and merchant identifier;... Mastercard International Incorporated

12/14/17 / #20170357968

Systems and methods for enabling performance review of certified authentication services

Systems and methods for use in enabling performance review of certified authentication services for use with a payment network are disclosed. One exemplary method includes identifying at least one performance metric of an authentication service. The authentication service is implemented into a payment network and certified to the payment network.... Mastercard International Incorporated

12/14/17 / #20170357971

Methods and system for real-time fraud decisioning based upon user-defined valid activity location data

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the... Mastercard International Incorporated

12/14/17 / #20170357974

Payment processing

A payment processing system for processing credit/debit card payments on behalf of a merchant, the system including one or more provider processing devices that: receive a transaction file including transaction details indicative of a transaction between the merchant and a customer, the transaction details including a transaction amount provided in... Mastercard International Incorporated

12/14/17 / #20170357977

Method and system for real time fraud decisioning in transaction processing

A computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message... Mastercard International Incorporated

12/14/17 / #20170357981

Systems and methods for use in approving transactions, based on biometric data

Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes causing a biometric associated with a consumer to be received, when the consumer presents a payment device... Mastercard International Incorporated

12/07/17 / #20170351771

Method and system for dynamic display of personalized images

A method for identification and distribution of a personalized image. As disclosed, the method involves a processing server receiving an image request from a web server. The image request includes at least a device identifier and an originating address. The processing server electronically transmits a data request to a computing... Mastercard International Incorporated

12/07/17 / #20170351981

Systems and methods for determining restaurant capacity level

A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the... Mastercard International Incorporated

12/07/17 / #20170352013

Systems and methods for managing rules associated with transaction settlement procedures

Systems and methods are provided for creating and updating settlement rules for determining behavior of a payment network during settlement transactions. One exemplary method includes receiving a request related to creating a settlement rule and/or modifying a settlement rule. The exemplary method also includes causing, by a computing device, an... Mastercard International Incorporated

12/07/17 / #20170352022

System and determining subscription information based on payment card transaction data over a payment card network

A payment card processing system is configured to filter payment card transaction records to pass exclusively records having merchant identification data corresponding to merchants offering items via subscription, interact with a plurality of data storage devices to write a new subscription record for a given transaction to generate a new... Mastercard International Incorporated

12/07/17 / #20170352024

Method and system for intelligent routing for electronic wallet registration and usage

A method for intelligent routing for electronic wallet registration includes: storing, in a wallet database of a processing server, a plurality of wallet profiles, wherein each wallet profile includes a structured data set related to at least one electronic wallet including at least one or more wallet identifiers and one... Mastercard International Incorporated

12/07/17 / #20170352025

System and managing a protection mechanism using a digital wallet platform

Embodiments of the disclosure enable one or more protection mechanisms to be managed using a digital wallet platform. Product data associated with a product is identified. The product data is analyzed to identify one or more potential protection mechanisms associated with the product. At least one protection mechanism is identified... Mastercard International Incorporated

12/07/17 / #20170352026

Systems and methods for use in facilitating network transactions

Systems and methods are provided for managing tokens from different token providers and facilitating network transactions involving tokens from the different token providers. One exemplary method includes receiving a request to provision a token for a payment account to a party, where the payment account is associated with a payment... Mastercard International Incorporated

12/07/17 / #20170352033

Method and system for authorization using a public ledger and encryption keys

A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the... Mastercard International Incorporated

12/07/17 / #20170352036

Methods and authorizing a transaction

A computer implemented method of processing an authorization request for a transaction in a first territory associated with a payment card issued in a second territory is disclosed. The method comprises receiving, at a server of a payment network, a transaction authorization request, the transaction authorization request comprising an indication... Mastercard International Incorporated

12/07/17 / #20170352049

Methods and devices for collecting information about consumer spending

A server, with access to information about the spending of consumers, is operative to register when any of the consumers develops a new payment channel which is not tracked by a payment network. In respect of such consumers, the server automatically analyses the tracked spending behavior of the consumers before... Mastercard International Incorporated

Social Network Patent Pack
12/07/17 / #20170352051

Methods, systems, and computer readable media for providing a personalized offers integration platform

Methods, systems, and computer readable media for providing a personalized offers integration platform are provided. Personalized offers may be based on transaction details, geographic locations, and/or consumer preferences. In one embodiment, a wallet system, user equipment, electronic devices, and a payment and offers integration platform (POIP) are provided. The wallet... Mastercard International Incorporated

12/07/17 / #20170352064

Systems and methods for optimizing property valuations and appraisals

A valuation computing device for optimizing a valuation of a property is provided. The valuation computing device includes a processor coupled to a memory and a database. The processor is programmed to receive a property location of a candidate property and a predefined distance that defines a geographical area including... Mastercard International Incorporated

12/07/17 / #20170352065

Systems and methods for use in facilitating donation transactions

Systems and methods are provided for use in performing donation transactions between donors and donees. One exemplary method includes obtaining, by a computing device, an identifier for a donee device associated with a donation account for an individual donee and accessing data for the donation account based on the identifier.... Mastercard International Incorporated

12/07/17 / #20170352112

Systems and methods for objectively determining restaurant cost characteristics

A computer-implemented method for determining objective restaurant cost characteristics for one or more merchant restaurants. The method is implemented using a restaurant cost ratings (RCR) computing device. The method includes storing transaction data for a plurality of restaurant transactions. The method further includes receiving a request for one or more... Mastercard International Incorporated

12/07/17 / #20170352213

Systems and methods for wirelessly transmitting token data to a key card reading device

A mobile computing device for transmitting token data to a key card reading device having an activation mechanism is provided. The computing device is programmed to receive token data representing access data of a key card, generate a transmission signal representing the access data of the key card based on... Mastercard International Incorporated

12/07/17 / #20170353422

Systems and methods for transaction messaging using social networking platforms

A computer-implemented method for processing transaction messages using a social network platform between a requestor and a responder is provided. The method includes receiving a social network message including an item request and a predefined hashtagged identifier. The method further includes transmitting the social network message to one or more... Mastercard International Incorporated

12/07/17 / #20170353482

Systems and methods for use in evaluating vulnerability risks associated with payment applications

Disclosed are exemplary embodiments of systems and methods for evaluating payment applications based on associated vulnerability risks. In an exemplary embodiment, a method generally includes soliciting, by a computing device, application data associated with a payment application via a vulnerability questionnaire interface, validating, by the computing device, the application data... Mastercard International Incorporated








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