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Mastercard International Incorporated patents (2014 archive)


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.

ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 | Company Directory "M" | Mastercard International Incorporated-related inventors


12/25/14 / #20140379582

System and method for processing financial transactions using a mobile device for payment

A method for processing a financial transaction includes: storing, in a database, a plurality of wallet data entries, wherein each wallet data entry includes at least a mobile device identifier and payment details associated with at least one payment account; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a mobile device identifier and transaction data; transmitting, to a mobile computing device associated with the mobile device identifier, at least the transaction data; receiving, from the mobile computing device, an indication of a payment account for funding of the financial transaction; identifying, in the database, payment details associated with the indicated payment account in a wallet data entry including the mobile device identifier included in the authorization request; and transmitting, to an issuer associated with the indicated payment account, at least the payment details and the transaction data.. . ... Mastercard International Incorporated

12/25/14 / #20140379578

Method and system for conducting on-behalf electronic financial transaction

A method of conducting an electronic financial transaction over a payment network on behalf of a customer is provided using a payment application stored in a mobile device of a facilitator, the method including: receiving transaction details of the electronic financial transaction in the payment application from the customer; generating a transaction request for the electronic financial transaction based on said the transaction details received; and forwarding the transaction request to a payment gateway for processing to carry out the electronic financial transaction over the payment network, the payment gateway having stored therein account details of a payment card linked to the facilitator from which funds are authorized to be deducted or to which funds are authorized to be credited based on the transaction request to pay for or receive funds from the electronic financial transaction on behalf of the customer in exchange for the facilitator receiving cash payment from or providing cash to the customer. There is also provided a system for conducting an electronic financial transaction on behalf of a customer, and a computer program product, embodied in a non-transitory computer-readable storage medium, including instructions executable by a computing processor to perform the above method.. ... Mastercard International Incorporated

12/25/14 / #20140379541

Systems and methods for remote clearing of payment card transactions

A method and system for clearing payment card transactions using a computer device coupled to a database are provided. The method includes receiving from one or more local clearing users, financial transaction data relating to purchases made at one or more merchants by a plurality of payment card cardholder, the local clearing users located within a single clearing region, checking the received financial transaction data for errors, and performing a batch clearing process within the single clearing region on financial transaction data received in a predetermined period from the local clearing users within the single clearing region.. ... Mastercard International Incorporated

12/25/14 / #20140379508

Merchant business hours database via transaction data apparatus and method

A system, method, and computer-readable storage medium configured to determine merchant business hours using financial transactions.. . ... Mastercard International Incorporated

12/25/14 / #20140379470

Method and system for linking mobile data and transaction data for improved location based targeting

A method for assigning a spend profile to a mobile device based on location and transaction data includes: storing a spend profile including a plurality of transaction data entries, each entry related to a transaction involving a common consumer and including a location identifier, transaction data, and timing information; receiving a plurality of location data entries, each entry including a geographic location of a related mobile device and a time and/or date at which the location was identified; matching the mobile device to the spend profile based on a number of received location data entries that correspond to transaction data entries included in the spend profile based on the geographic location and time and/or date and the location identifier and timing information, and a predetermined tolerance level; and associating the mobile device with the spend profile.. . ... Mastercard International Incorporated

12/25/14 / #20140379391

Apparatus, method, and computer program product for bus rapid transit ticketing and the like

At a remote server, an indication is obtained that a prospective transit rider has come into geographic proximity of a particular transit boarding area. At the remote server, an authorization request is dispatched to an issuer of a payment card account associated with the prospective transit rider, based on the remote server accessing a database based on the indication. ... Mastercard International Incorporated

12/18/14 / #20140372861

Browser plug-in and a method of operating a browser plug-in

A method of operating a plug-in for a web browser comprises providing an identifier of a web page being displayed by said web browser to a server, receiving from the server at least one identifier associating an attribute with a form field of the web page and obtaining a respective user value associated with each of the least one attribute identifiers. Each form field of the web page is completed with an associated attribute value for the user. ... Mastercard International Incorporated

12/18/14 / #20140372304

Geo-enumerative deviceholder authentication

A system, method, and software product are provided for fraud prevention in the field of payment instrument transactions without requiring registration. A computing device receives details of completed payment transactions. ... Mastercard International Incorporated

12/18/14 / #20140372291

Multi-party transaction payment network bridge apparatus and method

A system, method, and computer-readable storage medium configured to process financial transactions that traverse an ngo network with an interbank network.. . ... Mastercard International Incorporated

12/18/14 / #20140372261

System and/or method for determining needs and ability assessment

A system and a method are disclosed for accessing the need and ability of an organization such as a business to use a financial product. The need is related to the length of time it takes the organization to receive payment after making a sale, and whether the organization receives payment for the sale. ... Mastercard International Incorporated

12/18/14 / #20140372180

Merchant demographic estimation methodology

A system, a method, and a computer program product provide competitive data to a subscribing merchant regarding customers of the subscribing merchant and competing peer merchants. A computing device loads at least one microsegment hold table. ... Mastercard International Incorporated

12/18/14 / #20140372127

Voice-controlled computer system

A voice-controlled computer system comprising a headset with a heads up display (hud). When the system requires a user to verbally enter a character of an alphanumeric security code the system presents to the user on the hud a plurality of different pairs of alphanumeric characters each containing a first character and an associated (pseudo) randomly generated second character. ... Mastercard International Incorporated

12/18/14 / #20140367474

Display card with user interface

A display card 301 with a user interface for providing one or more services. The card 301 comprises: an external interface 302, 303 for communication with a terminal external from the card 301; a chip 401 comprising one or more servers for storing one or more applications, wherein the chip 401 is arranged to communicate with the external interface 302, 303; a user interface 304, 305, 306 for interacting with a user of the card 301; a micro-terminal 402 for controlling the provision of one or more services, wherein the micro-terminal 402 is arranged to communicate with the user interface 304, 305, 306; and the chip 401 and micro-terminal 402 are arranged to communicate with each other via an internal interface 403 of the chip 401. ... Mastercard International Incorporated








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