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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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Systems and methods for automated application deployment management

A method of automated deployment management for a computer network is provided. The method is implemented using a distributed deployment agent that includes a server system agent operating on a server system and a client system agent operating on a client system. ... Mastercard International Incorporated

Cashless tipping methods and apparatus

A gratuity is electronically transferred to at least one gratuity recipient. In the gratuity transfer process, a marker item is read. ... Mastercard International Incorporated

Method and apparatus for predicting accommodation demand

Method and apparatus for predicting accommodation demand is disclosed. The method comprises a computer server obtaining transaction data representing past transactions performed by a plurality of consumers via a payment network, said transaction data comprising travel addendum data; estimating for each of the consumers, based on the travel addendum data, a respective future consumer location and associated time data indicative of a time when the consumer will be at the consumer location; and predicting the at least one accommodation demand in a location at least one future time based on the future consumer locations and the associated time data.. ... Mastercard International Incorporated

Method and system for offline data transfer via machine-readable code

A method for offline transmission of blockchain details includes: storing, in a computing device, a first private key and a currency amount; receiving a first destination address associated with a blockchain network and a transaction amount; generating a second private key; generating a second destination address associated with the blockchain network using the second private key; generating a blockchain transaction including at least the first destination address, the transaction amount, the second destination address, and a remainder amount based on at least the currency amount and the transaction amount; signing the generated blockchain transaction using the first private key; executing a query to replace the first private key with the second private key, wherein replacement of the first private key includes deletion of the first private key from the computing device; and transmitting the generated blockchain transaction.. . ... Mastercard International Incorporated

Pull and push system for x-pay digital wallets

Provided are systems and methods for extending qr and person-to-person based digital wallet payments to non-issuer digital wallets. In one example, the method may include receiving a send request to send payment from a sending account of a digital wallet to a receiving account, executing an authentication protocol between the mobile device and an issuer of the sending account, pulling the requested payment from the issuer of the sending account to the sponsor system, where the pulling shifts a liability of a chargeback to the issuer of the sending account, and pushing the requested payment from the sponsor system to an issuer of the receiving account. ... Mastercard International Incorporated

Digital wallet for the provisioning and management of tokens

Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. ... Mastercard International Incorporated

Instant issuance of virtual payment account card to digital wallet

An application for a payment card account is received from a consumer. A positive determination is made on the application. ... Mastercard International Incorporated

Selectively providing cash-based e-commerce transactions

Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, a selection by a purchaser of one or more items is received, one or more characteristics associated with the purchaser are processed to determine a reliability of the purchaser, and an option to provide payment for the one or more items by way of a first payment method in lieu of a second payment method is selectively provided to the purchaser based on the determined reliability, the second payment method corresponding to a payment method requiring the purchaser to provide banking information and the first payment method corresponding to a payment method not requiring the purchaser to provide banking information. ... Mastercard International Incorporated

Split message initiated payment system, method and apparatus

A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.. . ... Mastercard International Incorporated

Systems and methods for dynamically generating customized records

A dynamic receipt generating (drg) computing device for dynamically generating customized transaction records is provided. The drg computing device includes at least one processor in communication with at least one memory device. ... Mastercard International Incorporated

Systems and methods for augmented reality-based service delivery

An augmented reality (ar) computing device for generating computer-generated (cg) elements using an ar display is provided. The ar computing device is configured to receive a request from a first user of the ar display for a first cg element to be displayed on the ar display. ... Mastercard International Incorporated

Method and system for issuer-defined prompts and data collection

A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.. . ... Mastercard International Incorporated

System and method for managing a compromised account

A method of managing a compromised account stored within an electronic wallet is provided. The electronic wallet is stored on a user computing device and is in communication with a compromised account management (cam) computing device. ... Mastercard International Incorporated

Cash card system

A method for performing a cash card transaction. The process includes a point of sale (pos) terminal and an associated reader interfacing with an integrated circuit (ic) card, transmitting a request for a cash card balance stored in the ic payment card, and receiving the cash card balance from the ic card. ... Mastercard International Incorporated

09/20/18 / #20180268385

Method and system for integration of electronic transaction services

A method for integration of merchant transaction services includes: storing a plurality of merchant profiles, each including a keyword, merchant data, communication data, and requested data fields; receiving a data message from a computing device; identifying a specific keyword based on the data message; identify merchant profiles that include the specific keyword; identifying data values corresponding to the requested fields included in the identified merchant profiles; transmitting a confirmation request to the computing device including the merchant data included in each identified merchant profile; receiving a confirmation notification from the computing device indicating one of the identified merchant profiles; and transmitting a transaction notification to a merchant related to the indicated merchant profile using the communication data included therein, wherein the transaction notification includes the identified data values.. . ... Mastercard International Incorporated

09/20/18 / #20180268219

Augmented reality systems and methods for service providers

An augmented reality (ar) computing device for displaying computer-generated elements in augmented reality supported service activities is provided. The ar computing device is configured to scan a first location, using an ar display device, to capture location data including consumer data corresponding to one or more consumers and facial data associated with the one or more consumers. ... Mastercard International Incorporated

09/06/18 / #20180253722

Electronic system and method for processing merchandise purchase transactions

The present disclosure generally relates to an electronic system and method for processing a merchandise purchase transaction between a merchant and a consumer. The system comprises a server linked to a payment network and configured to receive, from a digital wallet of the consumer, transaction data comprising identification data of the merchant, data on cost of the merchandise, and details of a consumer payment instrument linked to the digital wallet. ... Mastercard International Incorporated

09/06/18 / #20180253706

Method and system for conversational interface for ordering and customization

A method for ordering and customization via a conversational interface includes: storing item data entries, each item data entry including data related to a purchasable item including an item identifier, natural language values, and an item cost; receiving natural language messages from a computing device; receiving payment credentials; parsing the natural language messages to identify at least one specific natural language value; identifying, for each specific natural language value, a specific item data entry that includes the respective specific natural language value; calculating a transaction cost based on the item cost included in each specific item data entry; transmitting the calculated transaction cost and the payment credentials for processing of a payment transaction; receiving a response associated with the payment transaction indicating successful thereof; and transmitting the item identifier included in each of the specific item data entries to a computing system.. . ... Mastercard International Incorporated

09/06/18 / #20180253704

Systems and methods for use in facilitating payment account transactions in connection with fitness events

Systems and methods are provided for use in facilitating payment account transactions in connection with registration of consumers to participate in fitness events. An example method includes generating, at a fitness-pass engine, a fitness-pass profile for a consumer in association with a fitness-pass application, and associating a payment credential for the consumer with the fitness-pass profile. ... Mastercard International Incorporated

09/06/18 / #20180253464

Method and system for storage and transfer of verified data via blockchain

A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.. . ... Mastercard International Incorporated

08/23/18 / #20180240167

Electronic system and method for facilitating product purchase

The present disclosure provides an electronic system, a method, and a non-transitory computer medium for facilitating product purchase. The system includes a server including a processor and a memory configured to store computer-readable instructions on the non-transitory computer medium. ... Mastercard International Incorporated

08/23/18 / #20180240120

Systems and methods for use in providing enhanced authentication of consumers

Systems and methods are provided for use in enhancing security associated with services related to payment or banking accounts, in connection with communication between consumers and consumer service call centers associated with the accounts. One exemplary method includes receiving, at a computing device, a request to authenticate a consumer to a payment or banking account from a call center associated with consumer services for the account, and soliciting a biometric from the consumer. ... Mastercard International Incorporated

08/23/18 / #20180240115

Methods and systems for payments assurance

A remote payments assurance system includes a proxy service manager server, an authentication service manager server computer, an acquirer financial institution (fi) server computer, a payment network, and an issuer financial institution server computer. A storage device of the proxy service manager server computer stores instructions which causes a processor to receive a consumer authentication request from a merchant device obtained during a card not present (cnp) transaction, transmit the consumer authentication request to the authentication service manager server computer, establish a secure communications channel between the proxy service manager server computer and the authentication service manager server computer, and transmit the consumer authentication request via the secure communications channel to the authentication service manager server computer. ... Mastercard International Incorporated

08/23/18 / #20180240113

Determining legitimate conditions at a computing device

A method of determining legitimate use of a computing device for an action to be approved by a remote system is described. The following steps are carried out at the computing device. ... Mastercard International Incorporated

08/23/18 / #20180240111

Security architecture for device applications

A computing device embodies a security architecture for an application (42). The security architecture has non-volatile storage (43) for storing first cryptographic material and volatile storage (51) for storing second cryptographic material. ... Mastercard International Incorporated

08/23/18 / #20180240110

Transaction cryptogram

A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction. . ... Mastercard International Incorporated

08/23/18 / #20180240094

Method and system for multiple cascading authorization in real time

A method for processing a split payment transaction funded by a plurality of transaction accounts includes: storing a primary account number, funding rules, and a plurality of funding account numbers; receiving a primary transaction including the primary account number and a primary transaction amount; calculating a secondary transaction amount for each account based on the primary transaction amount and funding rules; generating a transaction message for a secondary transaction for each funding account number including the associated secondary transaction amount; transmitting the transaction message for each secondary transaction; receiving a response message for each secondary transaction including a response code; generating a response message for the primary transaction including a response code that (i) indicates approval of the primary transaction if each secondary transaction was approved, or (ii) indicates denial of the primary transaction if at least one secondary transaction was denied; and transmitting the generated response message.. . ... Mastercard International Incorporated

08/16/18 / #20180232820

Systems and methods for computing authenticity scores

A score authenticator (sa) system that includes a score authenticator (sa) computing device for generating authenticity scores by using device communication data, cardholder profile data, merchant parameter data, and transaction data is provided. The sa computing device is configured to receive merchant parameter data relating to a candidate merchant including a merchant category code and a merchant identifier. ... Mastercard International Incorporated

08/16/18 / #20180232734

Systems and methods for use in initiating payment account transactions

Disclosed are exemplary embodiments of systems and methods for enabling internet of things (iot) devices to initiate payment transactions. In an exemplary embodiment, a method generally includes receiving, by a computing device, a transaction request associated with a merchant where the transaction request includes a device identifier for an iot device associated with a consumer and/or a location of the iot device, and retrieving, by the computing device, a payment credential associated with a payment account when the transaction request is authenticated. ... Mastercard International Incorporated

08/16/18 / #20180232732

Offline transaction system and method

A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. ... Mastercard International Incorporated

08/16/18 / #20180232720

System and method for processing a multi-account transaction

A multi-account payment card (mpc) transaction computing device is configured to receive a first and second transaction request, wherein each transaction request includes a payment card account identifier and a portion of a payment transaction with a merchant to be paid using the payment card account. The mpc transaction computing device then generates a virtual card number (vcn) and transmits the vcn to a user computing device. ... Mastercard International Incorporated

08/09/18 / #20180225720

Systems and methods for using social media data patterns to generate time-bound predictions

Embodiments of the disclosure enable a system to generate one or more time-bound predictions. The system retrieves one or more social media feeds associated with one or more users, extracts a plurality of terms from a first post included in the social media feeds, analyzes the plurality of terms to determine whether the first post is associated with a potential financial transaction, uses the plurality of terms to generate target information associated with the potential financial transaction, and transmits the target information to one or more promotion systems such that the one or more promotion systems are configured to use the target information to generate one or more promotions associated with a first user associated with the first post. ... Mastercard International Incorporated

08/09/18 / #20180225656

Transmitting sensitive data from a digital wallet on a user device to a designated server for use by a transaction card application process

A method of transmitting data from a digital wallet on a user device to a designated server for use by a transaction card application process on the designated server. The method includes receiving code data generated by scanning a code image using the digital wallet on the user device, the code image being associated with a transaction card offer. ... Mastercard International Incorporated

08/02/18 / #20180219680

Methods and systems for securely storing sensitive data on smart cards

Methods and systems for permitting sensitive cardholder data to be securely stored in a regular storage element of a smart transaction card. In an embodiment, a transaction card processor of the smart transaction card installs a security application compatible with the operating system of the smart transaction card and that includes a white box cardlet. ... Mastercard International Incorporated

08/02/18 / #20180218447

Systems and methods for generating lending scores using transaction data

A merchant score (ms) computing device for generating merchant lending scores for business loans is provided. The ms computing device receives a score request including a merchant identifier associated with a candidate merchant, determines a geolocation and a merchant category associated with the candidate merchant based at least in part on the score request, and retrieves transaction data associated with transactions for a plurality of merchants including the candidate merchant and a set of peer merchants. ... Mastercard International Incorporated

08/02/18 / #20180218367

Systems and methods for using nonvisual communication to obtain permission for authorizing a transaction

Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. ... Mastercard International Incorporated

08/02/18 / #20180218345

Systems and methods for processing preauthorized automated banking machine-related transactions

Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. ... Mastercard International Incorporated

07/26/18 / #20180212783

Method and system blockchain variant using digital signatures

A method for using digital signatures for signing blockchain transactions includes: generating a domain key pair comprising a domain private key and a domain public key, wherein the domain public key is signed after generation; receiving a plurality of member public keys, wherein each member public key is received from an associated member of a blockchain network and is a public key in a key pair comprising the member public key and a member private key corresponding to the associated member; signing each member public key using the domain private key; receiving a transaction block from a specific member of the blockchain network, wherein the transaction block includes a plurality of blockchain transaction values and a hash signed using the member private key corresponding to the specific member; signing the received transaction block using the domain private key; and transmitting the signed transaction block.. . ... Mastercard International Incorporated

07/26/18 / #20180211267

Individual level learning mechanism

Disclosed herein are systems and methods of individual level learning that include receiving purchase event data from a merchant device that indicates that a purchase event occurred by a user on a user device, and transmitting the purchase event data to an analytics server. The methods may also include processing the purchase event data. ... Mastercard International Incorporated

07/26/18 / #20180211236

Method and system for authentication via a trusted execution environment

A method for authentication facilitated via a trusted execution environment includes: reading payment credentials in a first application program stored in a first memory area of a computing device; transmitting an authentication request to a second application program stored in a trusted execution environment of the computing device separate from the first memory area; displaying a prompt for authentication data based on an instruction supplied by the second application program; receiving authentication data; transmitting the received authentication data to an external computing device; receiving, by the second application program of the computing device, an authentication result from the external computing device; and transmitting, by the second application program of the computing device, the authentication result to the first application program in response to the authentication request.. . ... Mastercard International Incorporated

07/26/18 / #20180211233

Systems and methods for use in permitting network transactions based on expected activity to accounts

Systems and methods are provided for permitting transactions to proceed having associated indicators of fraud. One exemplary method includes identifying, by a computing device, a segment for a consumer based on one or more demographic factors associated with the consumer, and retrieving, by the computing device, a change in spending value associated with the segment. ... Mastercard International Incorporated

07/19/18 / #20180204235

Methods and systems for evaluation and execution of a control strategy algorithm

Disclosed herein are systems and methods that automatically identify instances where a site of a business merchant being analyzed for a test event is involved in another test event affecting a similar category of item that is being analyzed during a same time frame. The algorithm executed to automatically identify concurring events occurring at the same site calculates each event's date range, marks events as overlapping based on date range and primary category of items affected, and then determines concurring items in concurring events. ... Mastercard International Incorporated

07/19/18 / #20180204224

System for control group optimization to identify optimal baseline algorithm

Systems and methods for dynamically determining an optimal baseline algorithm for calculating lift values are disclosed. The system receives data associated with a control strategy, and then randomly selects a control location, a time period, and an item that may not be associated with the control strategy but meets the one or more criteria of the control strategy such as relevance and sales volume. ... Mastercard International Incorporated

07/19/18 / #20180204221

System and method for determining merchant location and availability using transaction data

A method for determining merchant availability is provided. The method includes storing in an electronic storage device a database of merchant transactions; accessing information in the database concerning the transactions, including time of the transactions and locations for merchants participating in the transactions, and assembling the information to provide locations where a merchant is currently available for conducting business. ... Mastercard International Incorporated

07/19/18 / #20180204212

Method and system for generating an advanced storage key in a mobile device without secure elements

A method for building an advanced storage key includes: storing, in a mobile device, at least (i) device information associated with the mobile device, (ii) program code associated with a first program including an instance identifier, and (iii) program code associated with a second program including a first key; generating a device fingerprint associated with the mobile device based on the device information via execution of the code associated with the first program; generating a random value via execution of the code associated with the first program; building a diversifier value based on the generated device fingerprint, the generated random value, and the instance identifier included in the code associated with the first program; and decrypting the built diversifier value using the first key stored in the code associated with the second program via execution of the code associated with the second program to obtain a storage key.. . ... Mastercard International Incorporated

07/19/18 / #20180204209

Systems and methods for collecting device data from digital wallet authentications

A computer-based method for collecting digital wallet data from a digital wallet transaction initiated by a user is provided. The method includes receiving registration data for a user in response to the user registering into a digital wallet application, wherein the registration data includes demographic data and device registration data including a device identifier used for identifying the user device when in communication with another computing device. ... Mastercard International Incorporated

07/12/18 / #20180198813

Methods and systems for discovering network security gaps

A risk assessment (ra) computing device for generating network security campaigns to discover network security gaps. The ra computing device includes at least one processor in communication with a memory and a network. ... Mastercard International Incorporated

07/12/18 / #20180198763

Systems and methods for secure communication bootstrapping of a device

Systems and methods prevent fraudulent registration of devices associated with remuneration vehicles by bootstrapping the device to be registered with a bootstrap url. The bootstrap url may provide access to a registration server hosted by the vehicle provider. ... Mastercard International Incorporated

07/12/18 / #20180197361

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 the token data in response to receiving the token data, and output the transmission signal to the key card reading device. ... Mastercard International Incorporated

07/12/18 / #20180197197

Routing systems and methods for use at retail premises

A routing system for use at a retail premise of a merchant is provided. The retail premise has a plurality of products located at a plurality of sub-regions of the retail premise and the routing system comprises: a routing engine component operable to receive, from a communication device of a consumer, an initial location corresponding to a current location of the consumer within the retail premise, and an offer engine component operable to generate a product offer associated with a said product; wherein the routing engine component is operable to: obtain a target location corresponding to a location of the said product within the retail premise, calculate a route of recommendation between the initial location and the target location based on a popularity score associated with a said sub-region of the retail premise, said popularity score being indicative of an amount of consumer traffic in the sub-region, and transmit the product offer and the route of recommendation to the communication device. ... Mastercard International Incorporated

07/12/18 / #20180197195

Method of managing a loyalty rewards program

Disclosed is a method for managing a loyalty rewards program. The method comprises maintaining a plurality of loyalty reward accounts, each linked to a payment vehicle enrolled in the loyalty rewards program and each recording at least one loyalty index derived from purchases made using the payment vehicle, the at least one loyalty index being redeemable for any one or more of discounts, goods or services. ... Mastercard International Incorporated

07/12/18 / #20180197185

Methods and systems for generating a transaction lifecycle output for a payment card transaction

Systems and methods for generating a transaction lifecycle output using a transaction lifecycle (tl) computer system are provided herein. The tl computer system includes a memory device for storing data and a processor in communication with the memory device. ... Mastercard International Incorporated

07/12/18 / #20180197183

Method of mapping interactions between entities

A method for mapping and handling interactions between entities in a network comprises calculating an initial trust value between pairs of the entities based on previous interactions between those entities, where the trust value indicates the degree of trust associated with the interaction, and determining, for each entity, one or more pair-wise relationships between a selected entity and any of the other entities with which the selected entity has interacted. The method also comprises generating a graphical representation of all of the entities based on the relationships determined for each pair of entities, and the calculated trust value associated with the interaction between each pair of entities; iteratively propagating the initial trust values to all entities in the graphical representation so as to calculate a current trust value associated with each entity; and analysing the calculated current trust values to determine an appropriate action to be taken.. ... Mastercard International Incorporated

07/12/18 / #20180197182

Systems and methods for implementing fraud prevention rules at proximate merchants

Systems and methods are provided for implementing at least one fraud prevention rule associated with a detected fraud condition. An example method includes detecting a fraud condition associated with a source merchant, where the fraud condition includes multiple suspect transactions and where each one of suspect transactions has a parameter that is substantially consistent with the other ones of the suspect transactions. ... Mastercard International Incorporated

07/12/18 / #20180197175

Methods and systems for iot enabled payments

The present disclosure relates to methods and systems for placing and processing a payment transaction for an order for one or more products. A method of processing a payment transaction for an order for one or more products is provided. ... Mastercard International Incorporated

07/12/18 / #20180197174

Systems and methods for use in facilitating transactions to payment accounts

Systems and methods are provided for use in facilitating payment account transactions. One exemplary method includes initially issuing, by a computing device, a transaction code to a communication device associated with a consumer for use in a transaction to a payment account by the consumer. ... Mastercard International Incorporated

07/12/18 / #20180197168

System and method for conducting a transaction

A system and method for conducting a transaction is provided. The method comprises receiving, at a courier module, a delivery order relating to a delivery of a product to a recipient by a courier service; and generating, by the courier module, a card-on-file mobile payment instruction for transmission to a payment module to complete the transaction based on: (i) a delivery status corresponding to an outcome of the delivery of the product to the recipient; and (ii) a payment status corresponding to an outcome of a cash payment for the product by the recipient to the courier service.. ... Mastercard International Incorporated

07/12/18 / #20180196663

Systems and methods for managing computer components

A computer-based method for managing a plurality of computer components in an organization is provided. The method is implemented using a component manager (cm) computing device. ... Mastercard International Incorporated

07/05/18 / #20180191722

Systems and methods for use in managing access to user profiles, and content blocks included therein

Systems and methods are provided for use in implementing access controls to content blocks of a user profile associated with a user. One exemplary system includes an access engine configured to receive an access command from a user, via a communication device, to access the user profile. ... Mastercard International Incorporated

07/05/18 / #20180190082

Electronic system and method for atm cash management

The present disclosure generally relates to an electronic system and method for management of cash in automated teller machines (atms). The system comprises a server operative within a financial network, the server including a processor and a memory configured to store computer-readable instructions. ... Mastercard International Incorporated

07/05/18 / #20180189872

Systems and methods for generating personalized lending scores

A scoring engine computing device for generating personalized lending scores is provided. The scoring engine computing device receives a request including a cardholder identifier associated with a candidate cardholder, determines demographic data associated with the candidate cardholder, and retrieves transaction data for a plurality of cardholders including the candidate cardholder and a set of peer cardholders. ... Mastercard International Incorporated

07/05/18 / #20180189788

Systems and methods for pre-authenticating a user of a payment card over a network

The present disclosure provides for systems and methods for pre-authenticating a user over a network, the system including an authentication computing device configured to receive, over a first computer network, a pre-authentication signal from a client device, determine an account number associated with a payment card of the user, verify i) that the user has satisfied at least one security measure, and ii) that the account number is associated with the client device, store the account number in association with a timer, initiate the timer, monitor, until the timer expires, a second computer network to detect an authorization request message for a transaction having the account number, and embed a digital authentication flag in the authorization request message when the authorization request message is detected before the timer expires, the digital authentication flag indicating that the transaction has been pre-authenticated.. . ... Mastercard International Incorporated

07/05/18 / #20180189785

Method and system for secured merchant verification

A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.. . ... Mastercard International Incorporated

06/28/18 / #20180183925

Mobile device user validation method and system

A system including a mobile device, a user of the mobile device, a computer system having a telecommunication module for telephonically communicating with the mobile device, a user of the computer system, and a security server is provided. Also provided is a method, at a mobile device, of authenticating a user of the mobile device during a telephone call having the steps of obtaining a user authentication input, obtaining validation of the user authentication input, initiating a telephone call with, or receiving a telephone call from, the computer system, and if the user authentication input is successfully validated, sending a token generated for the telephone call with the computer system via data-over-voice frequency signaling during the telephone call thereby providing an indication that the user authentication input has been successfully validated to the computer system.. ... Mastercard International Incorporated

06/28/18 / #20180183787

Methods and systems for validating an interaction

Methods and systems for validating an interaction between a user and a service provider system are disclosed. Electronically-stored credential data for the user are retrieved (100), and a communication link (252, 223, 207) is established (102) between a user device and a service provider system. ... Mastercard International Incorporated

06/28/18 / #20180183600

Method and system for providing validated, auditable, and immutable inputs to a smart contract

A method for posting of auditable, immutable data to a blockchain includes: receiving a blockchain comprised of a plurality of blocks, each block being comprised of at least a block header and one or more transaction values, wherein each transaction value includes at least a transaction hash; receiving a data file associated with a specific transaction hash included in a block in the blockchain, wherein the data file includes one or more variables; modifying at least one of the one or more variables included in the data file; generating a new hash value via application of one or more hashing algorithms to the modified data file; generating a new transaction value based on at least the generated new hash value and the specific transaction hash; digitally signing the generated new transaction value; and electronically transmitting the signed new transaction value.. . ... Mastercard International Incorporated

06/28/18 / #20180183579

Cryptographic system management

A method of refreshing key material is described for use in a trusted execution environment logically protected from a regular execution environment. The trusted execution environment further comprises a key identifier. ... Mastercard International Incorporated

06/28/18 / #20180182044

Systems and methods for generating a user profile using data associated with cash-based financial transactions

Embodiments of the disclosure enable a system to generate transaction data associated with one or more financial transactions. The system analyzes location data associated with a first user account to determine a user footprint, analyzes first transaction data associated with the first user account to identify one or more first members associated with the user footprint, identifies one or more second members associated with the user footprint to generate a merchant list, analyzes second transaction data associated with one or more second user accounts to generate one or more parameters associated with the merchant list, and uses the parameters to generate third transaction data for use in generating a user profile associated with the first user account. ... Mastercard International Incorporated

06/28/18 / #20180182027

Apparatus and method for dynamic offline balance management for preauthorized smart cards

A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. ... Mastercard International Incorporated

06/28/18 / #20180182003

System and method for generating and storing digital receipts for electronic shopping

A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. ... Mastercard International Incorporated

06/28/18 / #20180182000

Systems and methods for use in facilitating donation transactions to payment accounts

Systems and methods are provided for use in facilitating donation transactions to payment accounts. One exemplary method includes soliciting, by a computing device, a selection of a charity for a donation transaction, via an application programming interface (api), at a network-based interface affiliated with an issuer, in response to a donate input from a user authenticated to the network-based interface, and soliciting, by the computing device, a donation detail for the donation transaction, via the api, from the user. ... Mastercard International Incorporated

06/28/18 / #20180181978

System and method to provide a reward during a cashless transaction

A system and method to provide a reward during a cashless transaction, i.e., in real-time, that is immediately applied to the cashless transaction to reduce the amount due from a customer. The system and method link the reward to a group comprised of the customer and his/her friends, family, colleagues, and adds a gaming aspect to a rewards program in that there is a possibility that a cardholder wins a reward each time he/she uses the credit card. ... Mastercard International Incorporated

06/28/18 / #20180181973

Method of determining crowd dynamics

A method of determining crowd dynamics of a population of mobile device users is disclosed. A plurality of transaction authorization requests 132;134;136 identifying payment cards 122;124;126 are received. ... Mastercard International Incorporated

06/28/18 / #20180181963

Method and system for purchase precheck

Methods, apparatus and systems, the method including receiving, by a processor of a consumer mobile device, a request from a user for a purchase pre-authorization; receiving, by a biometric input component of the consumer mobile device, biometric data that uniquely identifies the user; sending a representation of the biometric data to a pre-purchase authentication server; receiving, by the mobile device processor from the pre-purchase server, a message including a unique code, the unique code being associated with a payment card account of the user and valid to use to authorize future purchase transactions using the payment card account for a finite period of time and a specific amount of funds of the payment card account; and displaying, on a display screen component of the consumer mobile device in response to the request, the unique code.. . ... Mastercard International Incorporated

06/28/18 / #20180181959

Amount confirmation for visually impaired users

A method for audio based amount confirmation for a visually impaired user of a payment card requesting a payment transaction, the method comprising the steps of associating, during an enrolment process, the payment card to a user terminal, sending, responsive to entering the payment amount at a transaction terminal by the merchant, a notification message to the user terminal, the notification message having a content comprising at least the payment amount and, optionally, additional payment related information, converting, at the user terminal, the content of the notification message into audio data, presenting the audio data to the user, prompting, responsive to presenting the audio data to the user, payment confirmation or decline by the user, generating a respective response message, and processing, responsive to and depending on the content of the response message, the payment or generating an adjustment message to be displayed to the merchant.. . ... Mastercard International Incorporated

06/28/18 / #20180181955

Systems and methods for processing data messages from a user vehicle

A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier. ... Mastercard International Incorporated

06/28/18 / #20180181954

Configuring a transaction device

A method of configuring a transaction device (102, 160) for use within a closed loop transaction system (12), the closed loop transaction system comprising a point-of-interaction terminal (24) for processing transactions with the transaction device, the method comprising: receiving an instruction to set a field within a device data store on the transaction device to use a predetermined currency code specified by the terminal; receiving, at the transaction device, a transaction amount available for transactions with the closed loop terminal system; storing (202) the transaction amount on the transaction device; receiving an unique identifier associated with the closed loop terminal system for use in transactions with the point-of-interaction terminal within the system; storing (206) the unique identifier on the transaction device.. . ... Mastercard International Incorporated

06/28/18 / #20180181953

Method and system for anonymous directed blockchain transaction

A method for posting of anonymous directed transaction includes: storing a plurality of entity profiles, each including an entity identifier and a secret value; receiving a transaction request from a first entity, the request including transaction data and a specific entity identifier associated with a second entity; identifying a specific entity profile that includes the specific entity identifier; generating a first hash value via application of one or more hashing algorithms to the transaction data; generating a second hash value via application of one of more hashing algorithms to a combination of the first hash value and the secret value included in the identified specific entity profile; and posting the first hash value and second hash value to a publicly accessible data source.. . ... Mastercard International Incorporated

06/28/18 / #20180181950

Electronic payment device transactions

Performance and processing of a contactless transaction at an electronic payment device with a terminal of a transaction system is described. In the device, an account data set is prepared for use in contactless transactions. ... Mastercard International Incorporated

06/28/18 / #20180181948

Payment facilitation method and system

There is provided a system and method for facilitating a payment from a customer to a merchant. The payment is carried out when a client device presents a barcode associated with the payment on a display of the client device for scanning by a merchant device.. ... Mastercard International Incorporated

06/28/18 / #20180181947

Cryptographic system management

A method is described for transferring secrets from a first cryptographic system installed on a computing device to a second cryptographic system installed on the computing device to enable the second cryptographic system to replace the first cryptographic system.. . ... Mastercard International Incorporated

06/28/18 / #20180181932

Automated process for validating an automated billing update (abu) cycle to prevent fraud

A computer implemented method for identifying unauthorized recurring financial transactions requests, the method including the steps of identifying a group of financial transaction request data as being part of data associated with an automated billing update cycle, extracting automated billing update data, the automated billing update data including at least data regarding the merchant, billing schedule and involved primary account numbers, selecting a sample of the data corresponding to involved primary account numbers from the extracted automated billing update data, reviewing financial transaction history data of the selected primary account numbers, comparing the extracted automated billing update data with the financial transaction history data of the selected primary account numbers, and determining whether the financial transaction request is valid or potentially fraudulent based on the comparison result.. . ... Mastercard International Incorporated

06/21/18 / #20180176195

Password management system and process

The present disclosure provides a password management process and system. The updating of the password data in the process and system is performed based, at least in part, on the functional account data and corresponding scheduling data, said scheduling data representing criteria for updating the password of, at least, the particular functional account.. ... Mastercard International Incorporated

06/21/18 / #20180176080

Systems and methods for dynamically commissioning and decommissioning computer components

A method for dynamically provisioning computer components using a message platform communicatively coupled to a message generator is provided. The method includes receiving a first computer message, wherein the first computer message indicates that a computer component should be provisioned for a network cluster, routing the first computer message such that a first platform that is a customer of the first queue i) receives the first computer message and ii) automatically performs a first configuration operation on the computer component based on the first computer message, receiving, at the advanced message queue exchange, a second computer message from the first platform, and routing the second computer message such that a second platform that is a customer of the second queue i) receives the second computer message and ii) automatically performs a second configuration operation on the computer component based on the second computer message.. ... Mastercard International Incorporated

06/21/18 / #20180174454

Method and system for predicting parking space availability using multi-factor analytics

A method for predicting parking space availability using normalized data includes: storing a number of parking spaces for each of a plurality of geographic areas; storing a number of payment transactions for each geographic area processed during a related period of time; receiving an availability request a specific period of time; normalizing parking spot availability for each geographic area based on the associated number of parking spaces and an average number of parking spaces for the geographic areas; normalizing the number of payment transactions for each geographic area based on the number of transactions processed during the specific period of time and the number of transactions processed during a corresponding period of time; calculating a composite score for each geographic area based on the associated normalized parking spot availability and transaction frequency; and transmitting the calculated composite score for each geographic area in response to the received availability request.. . ... Mastercard International Incorporated

06/21/18 / #20180174252

Systems and methods for building a data table to reduce false declines over a network

A system for building a data table of travel-related data and using the data table to reduce false declines when processing payment transactions is provided. The system includes a travel identifier (ti) computing device configured to receive transaction data that includes travel-related data and cardholder identifiers, the transaction data associated with transactions initiated by a cardholder, identify the travel-related data for the cardholder, and build a data table for storing one or more records within an itinerary data source using the travel-related data. ... Mastercard International Incorporated

06/21/18 / #20180174237

Method and system for person-to-person arbitrary currency exchange service

A method for arbitrary exchange of currency includes: storing account profiles, each including account details and a currency type; receiving a currency exchange request including a first currency amount of a first currency type to be exchanged for a second currency amount of a second currency type and delivery information; identifying a first account profile that includes the first currency type and a second account profile that includes the second currency type; identifying a first controlled payment number mapped to the transaction account related to the first account profile and limited to the first currency amount, and a second controlled payment number mapped to the transaction account related to the second account profile and limited to the second currency amount; and transmitting the second controlled payment number in response to the received currency exchange request, and the first controlled payment number based on the received delivery information.. . ... Mastercard International Incorporated

06/21/18 / #20180174236

Method and system for intelligent routing of insights

A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.. . ... Mastercard International Incorporated

06/21/18 / #20180174233

System and method for managing a loan for purchase of a product by a consumer

A system for managing a loan for purchase of a product by a consumer comprises a server communicable with the product. The server has a processor and a memory configured to store computer-readable instructions which are executed upon receipt, by the server, of a notification indicating a breach by the consumer of at least one of a set of rules governing the loan. ... Mastercard International Incorporated

06/21/18 / #20180174211

Systems and methods for identifying updated unrequested on-file data

An automatic billing updater (abu) computing device is provided. The abu computing device receives, from a candidate merchant, a batch update request including a plurality of account identifiers and retrieves a plurality of historical account identifiers from an historical authorization database. ... Mastercard International Incorporated

06/21/18 / #20180174210

Systems and methods for detecting data inconsistencies

An enhanced automatic billing updater (abu) computing device for detecting data inconsistencies thereby reducing fraudulent transactions or identifying data integrity issues is described. The abu computing device is configured to store account data in an abu account information database including a plurality of account identifiers of closed accounts, receive an authorization request message including a candidate account identifier, the authorization request message requesting authorization of a transaction, and compare the candidate account identifier with the plurality of account identifiers associated with closed accounts stored in the abu account information database. ... Mastercard International Incorporated

06/21/18 / #20180174193

Method and system for selectively providing electronic content to mobile devices

The present disclosure generally relates to a computerized method implemented on a system for selectively providing electronic content to mobile devices. The method comprises: collecting, by a host server and from a computing system at a merchant location, device identifier data of the mobile devices proximate to the merchant location; retrieving, from a customer database of the host server, details of payment vehicles linked to the mobile devices based on the device identifier data; searching a transaction database of the host server for past transactions associated with the payment vehicles based on the details thereof; selecting a set of payment vehicles based on the search results, each selected payment vehicle having performed at least one past transaction at the merchant location; identifying, for each selected payment vehicle, an issuer financial institution associated with the selected payment vehicle based on the details thereof; communicating details of the selected set of payment vehicles from the host server to the respective issuer financial institutions; and communicating the electronic content from the identified issuer financial institutions to the respective mobile devices linked to the selected payment vehicles. ... Mastercard International Incorporated

06/21/18 / #20180174180

Interactive loyalty reward system and method

Systems and methods are provided for implementing an interactive loyalty reward program for transactions conducted at transaction terminals, for instance, consumer purchase transactions conducted at a point-of-sale terminal. The system includes a server configured to monitor and identify qualifying transactions under the reward program. ... Mastercard International Incorporated

06/21/18 / #20180174179

System and method for using wallet payment on connected device to support price optimization and targeted customer offer

A method includes receiving payment account transaction data indicative of usage of a service facility. The method further includes identifying—from the received transaction data—users who used the service facility at a first time slot. ... Mastercard International Incorporated

06/21/18 / #20180174170

Systems and methods for modeling transaction data associated with merchant category codes

Systems and methods are provided for modeling transaction data associated with merchant category codes (mccs) assigned to merchants. An example method includes accessing a transaction data structure having transaction data for a plurality of merchants, and accessing a merchant data structure including multiple merchants and a category descriptor for each of the multiple merchants. ... Mastercard International Incorporated

06/21/18 / #20180174154

Systems and methods for generating customer satisfaction score

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

06/21/18 / #20180174150

Systems and methods for processing a payment transaction authorization request

A data processing device for generating a transaction authorization request is disclosed. The data processing device includes an input module operable to receive a user input from a user, a camera module operable to capture an image of the user, a computer processor, and a data storage device, the data storage device having an input processing component, a camera control component, and a transaction request generation component including non-transitory instructions operative by the processor to receive a user input from a user indicating initiation of a transaction, control the camera module to capture an image of the user, and generate a transaction authorization request, the transaction authorization request including an indication of the transaction and the image of the user.. ... Mastercard International Incorporated

06/21/18 / #20180174149

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

Systems and methods are provided for use in authenticating consumers based on images of the consumers stored in payment cards. One exemplary method includes receiving, at a point-of-sale (pos) device, a transaction request by a consumer to purchase a product and soliciting, by the pos device, a payment device from the consumer for funding the transaction request. ... Mastercard International Incorporated

06/21/18 / #20180174147

Systems and methods for blocking ineligible fraud-related chargebacks

A computer-implemented method for electronically linking accounts within a database and automatically blocking an ineligible fraud-related chargeback from chargeback processing over a network is provided. The method is implemented using a chargeback blocking computing device. ... Mastercard International Incorporated

06/21/18 / #20180174145

Systems and methods for accessing a subscriber-based source

A computer-implemented method for managing access to data stored within a data source is provided. The method includes receiving updated account data including an updated account identifier, and at least one subscription rule for verifying that a merchant is authorized to receive updated account data. ... Mastercard International Incorporated

06/21/18 / #20180174141

Method and system for leveraging active authentication for third party communications

A method for supplying payment credentials in a secondary payment opportunity includes: receiving a first data signal from a first computing device superimposed with at least payment credentials associated with a transaction account; electronically transmitting a second data signal to a second computing device superimposed with a payment opportunity request; receiving a third data signal from the second computing device superimposed with at least one payment opportunity; electronically transmitting a fourth data signal superimposed with the at least one payment opportunity; receiving a fifth data signal superimposed with an indication of one of the at least one payment opportunity; and electronically transmitting a sixth data signal to the second computing device superimposed with at least the indicated payment opportunity and the payment credentials.. . ... Mastercard International Incorporated

06/21/18 / #20180174139

Electronic system and method for performing a transaction with a motor vehicle

The present disclosure generally relates to an electronic system, a computerized method implemented on a merchant server of the electronic system, and a non-transitory computer-readable medium storing computer-readable instructions for performing a transaction between a merchant and a motor vehicle of a customer, the motor vehicle located within the vicinity of the merchant. Steps of the method include receiving, from the motor vehicle, identification data of the motor vehicle, communicating, to the motor vehicle, details of products/services provided by the merchant, receiving, from the motor vehicle, a request for one or more products/services selected by the customer, obtaining details of a payment instrument of the customer, and performing a payment process for the selected products/services with the payment instrument details.. ... Mastercard International Incorporated

06/21/18 / #20180174133

System and methods for enhanced authorization of prepaid cards

A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. ... Mastercard International Incorporated

06/21/18 / #20180174117

Methods and systems for processing payment transactions

A computer implemented method of processing a payment transaction is disclosed. The method comprises: receiving, in a payment processing server, an indication of an account associated with a payer; receiving, in the payment processing server, recipient identification information, the recipient identification information comprising an image of a recipient; determining, in a database search module of the payment processing server, an account associated with the recipient by searching a database using the recipient identification information; and initiating, in a transaction initiation module of the payment processing server, a payment transaction from the account associated with the payer to the account associated with the recipient.. ... Mastercard International Incorporated

06/21/18 / #20180174116

Method and system for providing payment link in digital conversations

A method for facilitating payment through an encoded link includes: displaying an interactable link in a first application program, wherein the interactable link refers to a second application program and is encoded with at least transaction data; receiving a first user instruction from a user of the computing device representing interaction with the interactable link; transmitting, at least the transaction data to the second application program; displaying at least one of: the transaction data and data associated with the transaction data in the second application program; receiving a second user instruction from the user of the computing device indicating confirmation of payment credentials; and transmitting at least the transaction data and confirmation of payment credentials.. . ... Mastercard International Incorporated

06/21/18 / #20180173889

Systems, methods, and devices for securing data stored in a cloud environment

Devices, systems, and methods for performing particularized encryption of confidential information within real-world data files that are subsequently stored within a cloud environment are described. Specific rules/logic are executed in a local computing environment to identify the type(s) and/or magnitude(s) of confidential information contained within each real-world data file. ... Mastercard International Incorporated

06/21/18 / #20180173807

System for managing a wardrobe

A system and method for managing a wardrobe that enables a user to manage various aspects of his/her wardrobe. For example, a user may enter new articles in his/her wardrobe that, once entered, comprise an article of the user's actual and virtual wardrobe. ... Mastercard International Incorporated

06/21/18 / #20180173583

Systems and methods for real time computer fault evaluation

A method of evaluating real-time computer faults and using a fault evaluation (fe) platform is provided. The method includes ingesting log data associated with a computer system, the log data includes a plurality of fault events, a fault severity identifier associated with at least one fault event of the plurality of fault events. ... Mastercard International Incorporated

06/14/18 / #20180167387

Systems and methods for biometric authentication using existing databases

Systems, methods, and non-transitory computer readable medium use external databases for biometric authentication. A server receives a request for authentication of a user from a requestor. ... Mastercard International Incorporated

06/14/18 / #20180167386

Systems and methods for decentralized biometric enrollment

Systems, methods, and non-transitory computer readable media decentralizes biometric enrollment. A server receives a request to enroll a user for biometric authentication in association with a unique id, generates an activation code corresponding to the unique id, and sends the activation code to the user. ... Mastercard International Incorporated

06/14/18 / #20180165775

Systems and methods for generating gratuity analytics for one or more restaurants

A gratuity analytics computing device for generating gratuity analytics for one or more restaurants is provided. The gratuity analytics computing device includes a memory in communication with a processor. ... Mastercard International Incorporated

06/14/18 / #20180165759

Systems and methods for identifying card-on-file payment account transactions

Systems and methods are provided for use in identifying card-on-file payment account transactions. An example method includes accessing, by a computing device, transaction data included in a data structure, where the transaction data includes transaction data for a transaction associated with a payment account and involving a merchant. ... Mastercard International Incorporated

06/14/18 / #20180165748

Computer implemented item recommendation

The present disclosure relates to a method and system for providing item recommendations to a user in a virtual marketplace. A virtual persona associated with a primary account number is identified. ... Mastercard International Incorporated

06/14/18 / #20180165742

Self-learning system and method to assist decision-making involving multiple entities

A self-learning system, a method, and a non-transitory computer readable medium having computer executable instructions stored thereon, where each assist in decision-making involving any one of a plurality of entities. A user record having items the user previously designated at entities is generated using an online structure. ... Mastercard International Incorporated

06/14/18 / #20180165735

Multi-merchant portal for e-commerce

A multi-merchant portal that enables a user to access e-commerce stores is provided. Each e-commerce store has respective merchant categories browsable by the user at a customer device through the portal, each merchant category comprising products available for purchase from a respective merchant. ... Mastercard International Incorporated

06/14/18 / #20180165709

Methods, systems, and computer readable media for suppressing cookie based advertisement retargeting

Methods, systems, and computer readable media for suppressing cookie based advertisement retargeting are disclosed. One method includes receiving a digital identifier and a merchant identifier associated with a purchase transaction. ... Mastercard International Incorporated

06/14/18 / #20180165703

Loyalty program enrollment facilitation

Provided are a system and method for facilitating enrollment in a merchant loyalty program. In one example, the method includes receiving, from a merchant server, a request to enroll a digital wallet user in a merchant loyalty program, the request being input via a merchant website associated with the merchant server, verifying that the digital wallet user is an authorized user of the digital wallet via a window associated with the merchant website, and in response to verifying the digital wallet user is an authorized user, automatically transmitting previously stored information of the digital wallet to the merchant server for enrolling the digital wallet user in the merchant loyalty program. ... Mastercard International Incorporated

06/14/18 / #20180165680

Processing electronic payments on a mobile computer device

A device for processing electronic payments for the purchase of goods or services is provided. The device includes one or more computer processors in communication with non-transitory computer readable data storage and a display. ... Mastercard International Incorporated

06/14/18 / #20180165679

Method and system for transaction authentication

Provided are a computer-implemented method and system for determining the level of authentication required for a transaction, the method comprising operating a processor to: receive a transaction request associated with a payment card; compare geolocation data of the transaction request with geolocation data of a mobile device associated with a cardholder of the payment card; and based on the comparison, determine the level of authentication required for the transaction.. . ... Mastercard International Incorporated

06/14/18 / #20180165678

Methods and systems for processing a payment transaction

Methods and systems for processing a payment transaction associated with a purchase made at a merchant are disclosed. The proposed disclosure involves an authorization engine component of an issuer system of a payment card receiving a payment authorization request message associated with the purchase from a payment network server, and generating an authorization response message indicative of an outcome of the payment authorization request for communication to the merchant's terminal. ... Mastercard International Incorporated

06/14/18 / #20180165677

System and method for secured tax refund for cross border transactions with mobile device wallet application

A digital wallet server computer communicates with a digital wallet application program running on a payment-enabled mobile device. The entry of the mobile device into a country that is foreign to the user's country of residence is detected. ... Mastercard International Incorporated

06/14/18 / #20180165676

Systems and methods for smartcard biometric enrollment

Systems, methods, and non-transitory computer readable media relate to smartcard biometric enrollment. In an embodiment that does not require a user to visit a central location to provide fingerprint images, an activation code corresponding to a unique id that uniquely identifies a user of a service is generated and sent to the user. ... Mastercard International Incorporated

06/14/18 / #20180165667

Control of permissions for making transactions

Disclosed is a computer network for controlling permission for making transactions over a wireless network. The computer system comprises a database, a merchant terminal and an available base station. ... Mastercard International Incorporated

06/14/18 / #20180165654

Method and system for a conversational interface for personalized itinerary events

A method for delivery of a personalized itinerary includes: storing transaction data entries, each including an account identifier and transaction data; storing event profiles, each including a geographic location, time allotment, event type, and selection criteria; receiving an itinerary request including a specific account identifier, a geographic area, and a time and date range; identifying a subset of transaction data entries where that includes the specific account identifier; identifying purchase behaviors based on the transaction data included the subset of transaction data entries; identifying a personalized itinerary comprised of a plurality of itinerary events, wherein the geographic location and selection criteria included in the related event profile corresponds to the geographic area and purchase behaviors, respectively, and where a number of itinerary events is based on the time allotment and the time and date range; and transmitting the personalized itinerary.. . ... Mastercard International Incorporated

06/14/18 / #20180165344

Systems and methods for managing the synchronization of key values and associated data across databases

A data synchronization (ds) computing device is described herein, the ds computing device configured to retrieve an update request from a queue, the update request including a key value and a requesting party identifier. The key value identifies at least one data record. ... Mastercard International Incorporated

06/07/18 / #20180158129

Systems and methods for capturing metadata from virtual shopping carts

A metadata capture (mc) computing device including a processor in communication with a memory is provided. The processor receives metadata representative of an abandoned product within a virtual shopping cart associated with a candidate consumer and a first merchant, receives a device identifier associated with the candidate consumer, generates a cart profile associated with the candidate consumer that includes the metadata and the device identifier, compares the cart profile to a merchant criteria of a second merchant, and transmits a cart profile data packet including the metadata, the device identifier, and a recommendation to the second merchant when the cart profile meets the merchant criteria. ... Mastercard International Incorporated

06/07/18 / #20180158062

Systems and methods for detecting collusion between merchants and cardholders

A collusion analytics (ca) computing device including a processor and a memory in communication with the processor is provided. The processor receives transaction data associated with a candidate transaction of a candidate merchant and a candidate cardholder, retrieves merchant data associated with the candidate merchant from a database, generates collusion analytics data based at least partially on the merchant data, detects potential collusion between the candidate merchant and the candidate cardholder based on the generated collusion analytics data, and transmits a collusion alert to an user computing device when potential collusion is detected.. ... Mastercard International Incorporated

06/07/18 / #20180158057

Method and system for fraud mitigation via account security

A method for customized authentication of a subaccount includes: storing an account profile, wherein the account profile includes a structured data set related to a transaction account including a plurality of subaccounts, each subaccount including an associated account number, authentication rules, and authentication values; receiving a transaction message related to a payment transaction, wherein the transaction message includes a transaction account number and authentication data; identifying a specific subaccount in the account profile where the included associated account number corresponds to the transaction account number; and authenticating the authentication data based on the authentication rules and the authentication values included in the identified specific subaccount.. . ... Mastercard International Incorporated

06/07/18 / #20180158056

Systems and methods for use in facilitating an in-merchant shopping experience

Disclosed are exemplary embodiments of systems and methods for facilitating a shopping experience of a customer during a shopping session. In an exemplary embodiment, a method includes capturing, by a computing device, an identifier associated with a product during a shopping session involving a consumer and transmitting an item authorization for the product to an issuer of a payment account associated with the consumer. ... Mastercard International Incorporated

06/07/18 / #20180158051

Method and system for payment card verification via blockchain

A method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, by a generation module of the computing device, a machine-readable code encoded with at least the first public key; displaying, by a display device interfaced with the computing device, the generated machine-readable code; generating, by the generation module of the computing device, a key pair comprised of at least a private key and a second public key; encrypting, by an encryption module of the computing device, the payment credentials using the private key; and electronically transmitting, by a transmitting device of the computing device, the encrypted payment credentials to a publicly accessible data source.. . ... Mastercard International Incorporated

06/07/18 / #20180158043

Automatic context-based selection from a digital wallet

The present disclosure relates to increasing the speed of electronic transactions using digital wallets. Aspects relate to a mobile user device, a computer readable medium and a method performed by a mobile user device comprising a wireless transmitter, a wireless receiver, a user interface, a memory storing a digital wallet application and a processor communicatively coupled to the wireless transmitter, wireless receiver, user interface and memory, the method comprising the processor: determining a location of the mobile user device according to location data received by the wireless receiver; determining that use of the digital wallet application is required according to input received by the user interface or the wireless receiver; responsive thereto, automatically selecting one of a plurality of digitised cards associated with the digital wallet application in dependence on the determined location; and subsequently providing the digitised card credentials to the wireless transmitter.. ... Mastercard International Incorporated

06/07/18 / #20180158033

Systems and methods for automated waste collection

The present disclosure provides for an automated waste collection system, the automated waste collection system in communication with a client device and a payment processor, including a vehicle device onboard a waste collection vehicle and comprising a vehicle transceiver, a first processor, and a first memory, a bin computing device mounted to a waste collection bin and comprising a bin transceiver, a second processor, and a second memory, and a geofence defined by location data. The vehicle device and said bin computing device are configured to communicate wirelessly with one another to verify, based on the geofence location data, a user account associated with a user that has requested a waste collection service.. ... Mastercard International Incorporated

06/07/18 / #20180157999

Method and system for travel itinerary bidding via blockchain

A method for processing travel bids via blockchain includes: receiving an itinerary request including a travel itinerary comprised of reservation requests, each reservation request including a type identifier and reservation details; transmitting a blockchain transaction to a blockchain network for each reservation requests, the transaction including the reservation details and a unique identifier; receiving merchant bid for each reservation request, wherein each merchant bid includes a bid amount and additional bidding details; identifying a winning bid for each reservation request based on the bid amount and additional bidding details included in each corresponding merchant bid; and transmitting a new blockchain transaction to the blockchain network for each reservation request, wherein the blockchain transaction includes the unique identifier and indicates unavailability of the corresponding reservation request.. . ... Mastercard International Incorporated

05/31/18 / #20180152845

System and method for device fraud prevention

Users may enroll one or more devices based on device information and a resource information associated with a resource. Such information and identifiers may be tokenized according to a hash algorithm to generate an enrolled user token. ... Mastercard International Incorporated

05/31/18 / #20180152805

Context driven content delivery systems and methods

A system, method, and software product deliver context driven content to a user. First data defining a current location of the user is received from a mobile device that is proximate the user. ... Mastercard International Incorporated

05/31/18 / #20180150902

Systems and methods for use in facilitating purchase transactions with trusted merchants

Systems and methods are provided for use in facilitating payment account transactions. One exemplary method includes receiving, at a computing device, a biometric from a consumer and matching, by the computing device, the biometric to a merchant included in a data structure, where the merchant is associated with a product catalog including products offered for sale by the merchant. ... Mastercard International Incorporated

05/31/18 / #20180150882

Systems and methods for use in determining consumer interest in products based on intensities of facial expressions

Exemplary systems and methods are provided for directing offer content to consumers at communication devices, while the consumers are at merchants. An exemplary method includes capturing an image of a consumer when the consumer is in the vicinity of a product at a merchant, where the image depicts a facial expression of the consumer, and determining an intensity associated with the facial expression of the consumer, as captured in the image. ... Mastercard International Incorporated

05/31/18 / #20180150865

Method and system for authentication of coupons via blockchain

A method for authentication of coupons using a blockchain includes: storing transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving an identification value; receiving a block included in a blockchain, wherein the block includes at least a block header and a plurality of transaction values, each transaction value including at least a coupon identifier and coupon data; executing a query on the received block to identify a specific transaction value of the plurality of transaction values where the included coupon identifier corresponds to the received identification value; and executing a query on the memory to update at least the transaction amount included in the stored transaction data based on the coupon data included in the identified specific transaction value.. . ... Mastercard International Incorporated

05/31/18 / #20180150863

Systems and methods for promoting consumer interaction with merchants, through merchant affiliates

Systems and methods are provided for promoting consumer interactions with merchants. One exemplary method includes associating a reference biometric to a merchant where the reference biometric is representative of a merchant affiliate associated with the merchant, and storing the reference biometric in a data structure as part of a merchant profile for the merchant. ... Mastercard International Incorporated

05/31/18 / #20180150847

Systems and methods for tokenless authentication of consumers during payment transactions

A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. ... Mastercard International Incorporated

05/31/18 / #20180150837

System and method for delivering a cashless gift useable during a cashless transaction

A system and method to enable a gifter to surprise a recipient with a gift. The gifter, having access to certain information about the recipient, is able to set up a gift to the recipient via a gift web site, setting criteria for the gift. ... Mastercard International Incorporated

05/31/18 / #20180150829

System and method for use in performing an electronic transaction with a smart card

There is provided a smart card, a system and method for use in performing an electronic transaction between a user and a merchant, whereby the aforementioned aspects rely on use of virtual payment cards to carry out the transaction.. . ... Mastercard International Incorporated

05/24/18 / #20180146353

Method and system for emergency safety checks via payment systems

A method for facilitating a safety check in emergency situations includes: storing a plurality of account profiles, each including a primary account number, account details, and sets of communication data; receiving a transaction message including a specific primary account number and an indication that an associated individual is safe; identifying a specific account profile that includes the specific primary account number; and transmitting a safety notification including the account details stored in the specific account profile the indication of the associated individual's safety for at least one of the sets of communication data stored in the specific account profile.. . ... Mastercard International Incorporated

05/24/18 / #20180144402

Method and system for providing financial performance data associated with a merchant

A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.. ... Mastercard International Incorporated

05/24/18 / #20180144391

Method and system for dynamic linking of offers to transaction accounts

A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.. . ... Mastercard International Incorporated

05/24/18 / #20180144338

Method and system for controlled access and usage of payment credentials

A method for distributing limited use payment credentials includes: receiving, by a receiving device of a computing device, payment credentials associated with a transaction account, wherein the payment credentials are subject to one or more transaction controls governing usage in a payment transaction; storing, in a memory of the computing device, the received payment credentials; preventing, by a security module of the computing device, audio or visual access to the stored payment credentials by a user of the computing device; and electronically transmitting, by the computing device, the payment credentials to a point of sale system.. . ... Mastercard International Incorporated

05/24/18 / #20180144323

System and method for processing payment

A system for processing payment, comprising: a processor module in communication with a point-of-sale (pos) terminal and a payment module, wherein the processor module is configured to: (i) receive, from the pos terminal: a first set of characters that is a proxy for a first account number associated with a fund recipient's account; a second set of characters that is a proxy for a second account number associated with a fund sender's account; and an amount of funds requested by the fund recipient from the fund sender for payment; (ii) convert: the first set of characters into the first account number; the second set of characters into the second account number; and (iii) transmit, to the payment module: the first and second account numbers; and an instruction to deduct the amount of funds requested by the fund recipient from the fund sender's account that is associated with the second account number.. . ... Mastercard International Incorporated

05/24/18 / #20180144322

Systems and methods for validating a transaction based on vehicle location

A fleet tracking (ft) computing device including a processor and a memory is described. The ft computing device is configured to receive an approval request message for a transaction initiated by a user at a point of sale (pos) device that includes an account identifier, a unique vehicle identifier, and an item identifier. ... Mastercard International Incorporated

05/24/18 / #20180144318

System and method for stand-in processing

A system and method for stand-in processing are provided. The system includes a processor and a memory unit communicatively coupled to the processor. ... Mastercard International Incorporated

05/24/18 / #20180144311

Systems and methods for managing a jointly funded virtual payment request

A virtual payment account (vpa) management computing device is described, the vpa management computing device configured to generate a jointly funded payment request and store a user-selected control. The vpa management computing device is also configured to establish a vpa associated with the jointly funded payment request, the vpa configured to receive funds from a plurality of payors. ... Mastercard International Incorporated








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