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Mastercard International Incorporated patents (2015 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


12/31/15 / #20150379537

Method and system for generating geographic polygons using purchase data

A method for generating a consumer polygon map includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including a consumer identifier and a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving the related consumer including transaction data and a geographic location; receiving a request for a consumer polygon, wherein the request for a consumer polygon includes a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and generating a polygon map for the consumer related to the specific consumer profile, wherein the polygon map includes a plurality of polygon vertices, each polygon vertex being at a geographic location corresponding to a geographic location included in a transaction data entry included in the specific consumer profile.. . ... Mastercard International Incorporated

12/24/15 / #20150371339

E-mailed receipt grab and storage for consumer tracking of expenditures

A computer-implemented method and system for recording a consumer's historical expenditures includes accessing incoming email associated with a consumer, identifying a receipt in the incoming email that was emailed from a merchant to the consumer in response to completing a cashless transaction associated with a payment network, linking the receipt to a transaction record generated by an acquirer within the payment network based on an indicator that the receipt and the transaction record were generated in response to the cashless transaction, and embedding the receipt with data from the transaction record associated with the payment network.. . ... Mastercard International Incorporated

12/24/15 / #20150371279

Method and system for targeted advertising on product packaging

A method for customizing product packaging based on consumer behavior includes: reading, by a reading device, payment card data corresponding to a payment card associated with a specific consumer, wherein the payment card data includes at least a specific consumer identifier associated with the specific consumer; transmitting, by a transmitting device, a content request, wherein the content request includes at least a package type associated with a product being purchased and the specific consumer identifier; receiving, by a receiving device, a printable content item, wherein the printable content item is based on at least the package type and consumer behavioral data associated with the specific consumer; and printing, by a printing device, packaging for the product being purchased, wherein the printed packaging is and/or includes the received printable content item and is configured to house the product being purchased.. . ... Mastercard International Incorporated

12/24/15 / #20150371248

Systems and methods for determining sales migration between merchant types

A method and system for determining sales migration between merchant types using a payment card network are provided. The method includes storing in a memory device, financial transaction data records for a plurality of purchase transactions conducted between a plurality of merchants and a plurality of payment card cardholders over a predetermined period of time. ... Mastercard International Incorporated

12/24/15 / #20150371240

Commercial card portfolio optimization

A method of targeting commercial entities for transaction-card usage revenue enhancement. The method includes functionally combining electronically searchable data sources concerning actual or potential commercial transaction-card using entities. ... Mastercard International Incorporated

12/24/15 / #20150371238

Personal holiday imputation from payment card transactional data

A computer-implemented method of imputing a personal holiday associated with a consumer into a forecast model includes steps, using a processing device, for accessing transaction records associated with purchasing activity of a consumer in a payment network over a predetermined period of time, the transaction records including information about a purchase and date when the purchase was made. The method further includes predicting a personal holiday of the consumer within the predetermined period of time based on the transaction records, wherein the personal holiday repeats at regular intervals within the predetermined period of time; and imputing the date into a forecast model to predict future purchase activity of the consumer. ... Mastercard International Incorporated

12/24/15 / #20150371231

Method and system for temporary replacement of real account numbers

A method for processing an account corresponding to a reported absent payment card includes: storing, in an account database, an account profile, wherein the account profile includes data related to a payment account and includes at least an account identifier; receiving, by a receiving device, a reporting of an absent payment card, wherein the reporting includes at least the account identifier associated with the absent payment card; identifying, by a processing device, a limited-use controlled payment number; mapping, in the account profile, the identified limited-use controlled payment number to the account identifier; storing, in the account profile, an indication of the included account identifier as being reported as being absent; and transmitting, by a transmitting device, the identified limited-use controlled payment number as a response to the received reporting.. . ... Mastercard International Incorporated

12/24/15 / #20150371211

Method and system for maintaining privacy in the inference of merchant geolocations

A method for inferring a merchant geolocation includes: storing a plurality of transaction data entries, each including an account identifier, merchant identifier, and transaction time; storing a plurality of merchant profiles, each including a merchant identifier and geolocation; identifying a first set of transaction data entries, each entry including a common merchant identifier; identifying a second set of transaction data entries, each entry including a different merchant identifier corresponding to a merchant within a predetermined distance of a merchant corresponding to the common merchant identifier; transmitting an identification value associated with each transaction data entry in the first and second sets; receiving geolocation data entries for each identification value, each entry including a location time and geolocation; and identifying an updated merchant geolocation for the merchant corresponding to the common merchant identifier based on the geolocation included in geolocation entries that match transaction data entries in the first set.. . ... Mastercard International Incorporated

12/24/15 / #20150371207

Method and system for variability of aggregated payments based on account trustworthiness

A method for intelligently aggregating payment transactions based on consumer trustworthiness includes: storing an account profile, the profile including data related to a consumer including an account identifier, payment details, and a trustworthiness score; identifying a period of time for transaction aggregation based on the trustworthiness score included in the account profile; receiving transaction data for a plurality of payment transactions, the transaction data for each transaction including the account identifier, a transaction amount, and a transaction time and/or date; aggregating the transaction amount included in the transaction data in each payment transaction of the plurality of payment transactions where the included transaction time and/or date is within the identified period of time; and transmitting the aggregated transaction amount and the payment details included in the account profile for use in processing an aggregated payment transaction.. . ... Mastercard International Incorporated

12/17/15 / #20150365387

Systems and methods for customer service access to a consumer interface system

A computer-based method for providing a customer service representative (csr) access to an interface system uses a computing device including a processor and a memory. The method includes receiving, by the processor, an authentication request including a csr identifier associated with the csr. ... Mastercard International Incorporated

12/17/15 / #20150363840

Systems and methods for recommending merchants to consumers

A computer-implemented method for recommending a merchant to a consumer is implemented by a merchant evaluation computer system in communication with a memory. The method includes receiving a plurality of transaction data associated with a first merchant of a plurality of merchants, receiving a plurality of review data associated with the merchant, analyzing the plurality of transaction data and the plurality of review data to generate integrated consumption data at the merchant evaluation computer system, determining a relative ranking of the plurality of merchants by comparing integrated consumption data for each merchant of the plurality of merchants, and providing a ranked list of merchants to a consumer based at least in part on the relative ranking.. ... Mastercard International Incorporated

12/17/15 / #20150363785

Systems and methods for consumer authentication using behavioral biometrics

A computer-based method for consumer authentication of payment card transactions using behavioral biometrics uses a computer device including a processor and a memory. The method includes identifying behavioral biometric profile data of an approved cardholder that is approved to use a payment card issued by an issuer. ... Mastercard International Incorporated

12/17/15 / #20150363779

Systems and methods for transmitting messages through personal communication networks

A method and system for purchase transactions using a personal communication network are provided. The method includes receiving registration data for a seller to use a payment platform, receiving item information relating to an item for sale, and receiving a selection of at least one of one or more messaging accounts associated with the seller and one or more of a plurality of personal communication network accounts associated with the seller. ... Mastercard International Incorporated

12/17/15 / #20150363762

Apparatus, method, and computer program product for mobile open payment network

An electronic system for mobile open payments obtains, from a first mobile telephony provider entity, first merchant registration information; and assigns a unique merchant identifier to identify the first merchant. The system obtains, from a second mobile telephony provider entity, a query, initiated based on a payment instruction from a customer of the first merchant and the second mobile telephony provider entity instructing the first merchant to be paid a certain amount. ... Mastercard International Incorporated

12/17/15 / #20150363754

Virtual card number based person-to-person payments

A method includes receiving, in a computer, a request for a funds transfer from a sender to a recipient. The method also includes sending, from the computer, a message to the recipient. ... Mastercard International Incorporated

12/17/15 / #20150363753

Systems and methods for analysis and linkage between different transaction data providers

Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, filtering the first and second sets of de-identified transaction data to identify transactions associated with at least a first entity and to create first and second filtered data sets, removing data associated with an identifier field for each of the transactions in the first filtered data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second filtered data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set.. . ... Mastercard International Incorporated

12/17/15 / #20150363752

Payment network with service provider directory function

A request for a funds transfer is received in a computer. The request includes addressing information for an individual recipient of the requested funds transfer. ... Mastercard International Incorporated

12/10/15 / #20150356659

Method and system for providing merchant referrals to consumers

A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier and one or more specific location identifiers; receiving a referral request, the request including a specific referral identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral identifier; identifying a specific referral data entry where the included referral identifier corresponds to the specific referral identifier; identifying a specific location data entry where the included location identifier corresponds to one of the one or more specific location identifiers included in the identified specific referral data entry; and transmitting the location data included in the identified specific location data entry in response to the request.. . ... Mastercard International Incorporated

12/10/15 / #20150356575

Methods and systems for predicting online and in-store purchasing

A method and system for predicting online and in-store purchasing by a cardholder using a computer device coupled to a database are provided. The method includes receiving a set of active cardholders along with their corresponding historical transaction information, categorizing the set of cardholders based on predefined parameters, and selecting a representative subset of cardholders from the categorized set of cardholders. ... Mastercard International Incorporated

12/10/15 / #20150356557

Payment authorization message for use with transactions of electrical energy for electrically-powered vehicles

In one aspect of the subject disclosure, a payment authorization message is provided which is formatted to be transmitted over a payment network, the payment authorization message including data elements representing units of electrical power sent to, or transmitted from, an electrically-powered vehicle.. . ... Mastercard International Incorporated

12/10/15 / #20150356551

Multi-account payment card

A method includes reading a card number from a payment device at a point of sale (pos) terminal. The method further includes transmitting a message from the pos terminal to a remote host computer, where the message includes the card number. ... Mastercard International Incorporated

12/10/15 / #20150356550

Methods and systems for providing payment cards

A system and method of activating a payment card for use by a user are provided, wherein a processor associated with a network node is operated to: receive an indication of an identity of the payment card; associate the payment card identity with a first payment rule; receive registration information pertaining to the user; and responsive to determining that the registration information meets a predefined criterion, operating the processor to associate the payment card identity with a second payment rule different to the first payment rule.. . ... Mastercard International Incorporated

12/03/15 / #20150348334

Travel data of transport system users

A method of generating travel data by a mobile device of a user of a transport system includes the mobile device receiving data transmitted from one or more beacons of the transport system; and generating travel data in dependence on the data received from the one or more beacons. The travel data is representative of the user's use of the transport system. ... Mastercard International Incorporated

12/03/15 / #20150348219

Method and system for linking law enforcement data to purchase behavior

A method for linking law enforcement data to transaction data includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including a geographic location associated with the related transaction, a transaction time and/or date, and transaction data; receiving law enforcement data, the data being related to criminal and law enforcement activity and including a geographic enforcement area, a period of time, and one or more law enforcement characteristics associated with the activity; identifying a subset of transaction data entries where each entry in the subset includes a geographic location included in a geographic transaction area corresponding to the geographic enforcement area and a transaction time and/or date included in the period of time; and identifying an economic impact of the criminal and law enforcement activity based on the transaction data included in the transaction data entries included in the identified subset.. . ... Mastercard International Incorporated

12/03/15 / #20150348212

Systems and methods for graphically rendering account data

A method comprising: processing account data obtained for one or more accounts to determine relative sizes of a quantitative attribute of a plurality of comparable account data elements; and rendering at least some of said account data graphically such that each of said account data elements is represented by an image, relative sizes of said images indicating relative sizes of the corresponding quantitative attributes of the account data elements.. . ... Mastercard International Incorporated

12/03/15 / #20150348209

Method and system for linking forensic data with purchase behavior

A method for linking forensic data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer and a plurality of transaction data entries, each entry including data related to a payment transaction involving the consumer including transaction data; receiving a forensic profile, the profile including forensic data obtained from a computing device; identifying a correspondence between the received forensic data and transaction data included in the stored transaction data entries to obtain a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and transmitting at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile.. . ... Mastercard International Incorporated

12/03/15 / #20150348121

Event seating for ticket buyers

A method includes receiving, from a user, a request for seating at an event. The method further includes fulfilling the request for seating, based at least in part on spending habit information for the user, where the spending habit information is derived from data indicative of payment card account transactions by the user.. ... Mastercard International Incorporated

12/03/15 / #20150348072

Method and system for selecting a target audience

A method and a system are provided for selecting an audience of potential acceptors for receiving a targeted communication and for making a targeted communication to an audience of potential acceptors. The method involves retrieving, from one or more databases, a first set of information including checking account activities and characteristics attributable to an audience of checking account customers. ... Mastercard International Incorporated

12/03/15 / #20150348037

Method and system for improved fraud scoring based on criminal activity

A method for improving fraud scoring based on criminal activity includes: storing transaction data entries, each including transaction data related to a payment transaction and a transacting consumer identifier; storing consumer profiles, each including data related to consumers including consumer characteristics and a consumer identifier; storing fraud scoring rules, each being configured to score a payment transaction for a likelihood of fraud based on transaction data; receiving a criminal activity notification, the notification including criminal characteristics associated with criminals or victims associated with untrustworthiness or fraud; identifying a specific consumer profile where a predefined number of the consumer characteristics correspond to the criminal characteristics; identifying a subset of transaction data entries where the transacting consumer identifier corresponds to the consumer identifier in the specific consumer profile; and updating the fraud scoring rules based on the transaction data included in each transaction data entry in the subset.. . ... Mastercard International Incorporated

12/03/15 / #20150348030

System and method for electronic payment

A system for processing a payment transaction, comprises a first entity configured to initiate a payment transaction with a merchant, a second entity configured to issue an account number in respect of the payment transaction, and a transaction processor configured to route the payment transaction between the merchant and the second entity in order to obtain authorization for the payment transaction from the second entity. The system is provided with an escrow account facility configured to hold an advanced fund associated with the payment transaction, the escrow facility being controlled by the transaction processor. ... Mastercard International Incorporated

12/03/15 / #20150348028

Systems and methods for mandated services verification

A method and system for verifying cardholder compliance or non-compliance with a mandated services requirement by a third party using a payment card payment card network coupled to a database are provided. The method includes receiving sets of predetermined parameters that each define a transaction for one or more mandated services, receiving, by the computer device, transaction data for a plurality of transactions, determining, by the computer device, transactions for one or more mandated services from the plurality of received transactions using the received sets of parameters, summarizing the transaction data from the determined transactions, and transmitting the summarized transaction data to the third party, the summarized transaction data demonstrating cardholder compliance or noncompliance with the mandated services requirement.. ... Mastercard International Incorporated

12/03/15 / #20150348026

Security for mobile applications

A mobile computing device has at least one processor and at least one memory together providing a first execution environment and a second execution environment logically isolated from the first execution environment. The following approach is taken to manage data items for an application executing the first execution environment. ... Mastercard International Incorporated

12/03/15 / #20150347991

Method and system for analysis of card-issued agency entitlement benefits

A method for identifying agency entitlements includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific account identifier associated with a payment account involved in the transaction and transaction data; storing a plurality of account profiles, each profile including data related to a payment account including an account identifier associated with the account and account data; identifying entitlement rules, wherein each o entitlement rule is associated with an agency entitlement and is configured to identify recipients of the entitlement; applying, to account profiles, the entitlement rules to (i) the account identifier and/or account data included in the respective profile, and/or (ii) the transaction data included in transaction data entries associated with the respective account profile, to identify an agency entitlement associated with the account; and updating account profiles to include the identified entitlement associated with the account.. . ... Mastercard International Incorporated

12/03/15 / #20150347624

Systems and methods for linking and analyzing data from disparate data sets

Systems and methods for linking or matching data of disparate datasets and then performing business related data analysis. Consumer-related data of two or more disparate datasets are linked in a privacy-friendly manner, and then analyzed to provide business information and/or consumer information to clients. ... Mastercard International Incorporated

11/26/15 / #20150339708

Methods and systems for performing third party transactions

Methods and systems of performing multi-party transactions through a single authorization and multiple settlements is disclosed. The transaction involves a consumer entering into primary and secondary transactions as a single transaction for a merchant's and third party's products, wherein the third party products are not located at the merchant's establishment. ... Mastercard International Incorporated

11/26/15 / #20150339685

Method and system for identifying influencers in nomadic subcultures

A method for identifying influencers in nomadic subcultures includes: storing a plurality of transaction data entries, each including data related to a payment transaction including a plurality of merchant data values, a consumer identifier, and a plurality of transaction data values; storing a plurality of consumer profiles, each including data related to a consumer including a consumer identifier and consumer data; identifying merchant data values and transaction data values associated with a nomadic subculture; identifying a subset of transaction data entries where the merchant data values and transaction data values includes at least one of the merchant data values and transaction data values associated with the nomadic subculture; identifying one or more consumer identifiers included in at least two transaction data entries in the subset; and identifying a consumer profile including a consumer identifier of the identified one or more consumer identifiers.. . ... Mastercard International Incorporated

11/26/15 / #20150339663

Methods of payment token lifecycle management on a mobile device

A method includes maintaining a token database in a computer system, where the token database maps tokens to primary account numbers (pans) for payment card accounts. The method further includes storing a respective entry in the token database for a token, with the token being mapped by the respective entry to a respective pan and the respective pan identifies a payment card account that belongs to a cardholder who uses a mobile device. ... Mastercard International Incorporated

11/19/15 / #20150332414

System and method for predicting items purchased based on transaction data

A system for analyzing data comprising: an input module for receiving a transaction record corresponding to a product purchase; a database for storing the transaction received by the input module; a computerized predictive model for determining an indicator for the transaction record based on at least one of a customer identifier, a class of merchant, an amount of the transaction, and a terminal identifier, wherein the indicator is indicative of a likelihood of a correct product determination; and one or more processors for: executing the predictive models; and processing the transaction record based upon the indicator determined by the computerized predictive model.. . ... Mastercard International Incorporated

11/19/15 / #20150332353

Methods and systems of authenticating reviews

Systems and method for authenticating reviews are disclosed. One exemplary method includes receiving a request to authenticate a review. ... Mastercard International Incorporated

11/19/15 / #20150332301

Transaction discount systems and methods

Systems and methods for applying a transaction discount to a payment account are disclosed. In one exemplary system, a transaction discount system includes a memory having a discount database identifying discounted transaction types, a discount amount per discounted transaction type for an account type, and where each discounted transaction type is associated with a sponsor account. ... Mastercard International Incorporated

11/19/15 / #20150332295

Method of forecasting resource demand

A system, method, and computer-readable storage medium configured to enable forecast resource demand based on accountholder or merchant-level behavior.. . ... Mastercard International Incorporated

11/19/15 / #20150332292

System and method for monitoring market information for deregulated utilities based on transaction data

A system for determining market information of unregulated utility services comprises: a data storage device containing payment card transaction data of customers including customer information and information identifying a category of unregulated utility services; a filter configured to identify those transactions associated with the category of unregulated utility services from the payment card transaction data within a predetermined geographic region; a data storage device containing market or industry data related to the category of unregulated utility services; a processor; a memory storing program instructions, the processor being operative with the program instructions to: analyze the identified payment card transactions and the market or industry data related to the category of unregulated utility services; determine a score indicator representative of a given customer's probability of switching utility providers; compare the score indicator with a threshold value; and identifying those customers whose score indicator exceeds the threshold value.. . ... Mastercard International Incorporated

11/19/15 / #20150332286

System and method identifying holders or re-sellable commodities

A system for identifying a holder of re-sellable commodities is provided. The system includes one or more data storage devices containing payment card transaction data of a plurality of customers and a filter configured to identify payment card transactions associated with a predetermined re-sellable commodity from the payment card transaction data. ... Mastercard International Incorporated

11/19/15 / #20150332285

System and method for making weather based activity recommendations

A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. ... Mastercard International Incorporated

11/19/15 / #20150332284

System and method for determining service intervals based on transaction data

A system for determining service intervals of a serviceable property based on payment card transaction data. A data storage device contains payment card transaction data of a plurality customers and merchants. ... Mastercard International Incorporated

11/19/15 / #20150332276

Data sharing platform

A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. ... Mastercard International Incorporated

11/19/15 / #20150332271

Passive cardholder verification method in mobile device

In a payment-enabled smartphone, a customer verification method (cvm) may be performed without prompting the user to provide any input. An outcome of the resulting passive cvm process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. ... Mastercard International Incorporated

11/19/15 / #20150332268

Method and apparatus for simplifying the handling of complex payment transactions

A predetermined amount, which may, in general, be zero, less than, the same as, or greater than a (yet-to-be-determined) final transaction amount, is charged upon first presentation of a payment device to a merchant. A final transaction amount is calculated, preferably at a central server, subsequent to the first presentation. ... Mastercard International Incorporated

11/19/15 / #20150332228

Apparatus, method, and computer program product for settlement to a merchant's card account using an on-line bill payment platform

Registration information is obtained for a plurality of businesses, including the business name and a payment card account number for a payment card account in which the given business can receive payments from customers via a special payment transaction over a payment card network. An electronic bill payment system instruction including at least an amount and a unique biller identifier is obtained. ... Mastercard International Incorporated

11/19/15 / #20150332222

Modeling consumer cellular mobile carrier switching method and apparatus

A system, method, and computer-readable storage medium configured to model and predict consumer cellular mobile carrier switching intentions of a payment cardholder based on transaction payment card purchases.. . ... Mastercard International Incorporated

11/12/15 / #20150326935

Methods and systems for purchasing products from media content shown on media display devices

Methods and systems are described for use in purchasing products from media content displayed on a media display device. As an example, a consumer can select a portion of the media content, showing a desired product for purchase, while the media content is displayed at the media display device. ... Mastercard International Incorporated

11/12/15 / #20150324838

Systems and methods for evaluating effectiveness of campaigns through use of transaction amount markers

Systems and methods for evaluating effectiveness of campaigns are disclosed. One exemplary method includes identifying a promotional campaign offered by a merchant during an offer period including an offer of a commodity at a predetermined price, and compiling a first set of payment accounts based on each payment account including a transaction to the merchant at the predetermined price within the offer period. ... Mastercard International Incorporated

11/12/15 / #20150324835

Rebate programs administered via payment processing system based on merchant-aggregated data

A customer rewards system includes a plurality of merchant point of sale (pos) terminals, a merchant computer, a rebate computer having a rebate computer processor operably connected to a storage device, and a payment system. The rebate computer receives, from the merchant device, a batch of transaction data of items purchased by cardholders, tracks purchases of a plurality of cardholders related to certain items purchased during a predetermined period of time, determines that a particular cardholder qualifies for a rebate amount, generates a payment transaction request that includes a special rebate account number of a special rebate account for funding rebates, and transmits the payment transaction request to the payment system to credit the rebate amount to a payment card account of the cardholder.. ... Mastercard International Incorporated

11/12/15 / #20150324823

Method and system for identifying associated geolocations

A method and a system are provided for identifying associated geolocations. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information including external information. ... Mastercard International Incorporated

11/12/15 / #20150324822

Predicting transient population based on payment card usage

A system and a method for predicting the transient population of a geographic location or region using point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a transient population at any given time, or predicting or determining the present transient population. ... Mastercard International Incorporated

11/12/15 / #20150324816

Predicting location based on payment card usage

A system and a method for predicting the location of a person using prior point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a present or future location at any given time of the cardholder. ... Mastercard International Incorporated

11/12/15 / #20150324809

Method and system for determining political affiliations and attitudes

A method and a system are provided for determining political affiliations and/or attitudes of payment card holders. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information comprising external information. ... Mastercard International Incorporated

11/12/15 / #20150324795

Systems and methods for communicating liability acceptance with payment card transactions

A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. ... Mastercard International Incorporated

11/12/15 / #20150324774

System and method for facilitating the conclusion of an ecommerce purchase transaction through a network connected automated teller machine

Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, responsive to a selection by a purchaser that enables receipt of an alternative payment submission in furtherance of a transaction between the purchaser and a vendor, a transaction notification is received, the transaction notification including a payment amount and corresponding to the transaction, a unique identifier is generated, the unique identifier corresponding to the transaction notification, and the unique identifier is provided to a paying party in order to facilitate receipt of the alternative payment submission in furtherance of the transaction. ... Mastercard International Incorporated

11/12/15 / #20150324767

System and method for recovering refundable taxes

A method for processing a transaction relating to a purchase and refunding a tax paid on the purchase. The method comprises receiving, over a network from a merchant apparatus, payment transaction data relating to a payment transaction associated with an electronic payment card; analyzing the payment transaction data to determine whether the payment transaction is eligible for a tax refund; determining a tax refund value corresponding to the payment transaction; determining that the payment transaction is authorised for a tax refund, and coordinating with at least an issuer associated with the electronic payment card in order to credit an account associated with the electronic payment card with the tax refund value. ... Mastercard International Incorporated

11/05/15 / #20150317748

Transaction identification and recognition

A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. ... Mastercard International Incorporated

11/05/15 / #20150317747

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

11/05/15 / #20150317674

Method and system for incorporating payment data to improve online advertising

A method for identifying purchase data for advertisement suppression includes: receiving, by a receiving device, a data file originating from a computing device, wherein the data file includes at least a computer identifier associated with the computing device, a purchase identifier, and an origination time and/or date; receiving, by the receiving device, transaction data for a payment transaction, where a portion of the transaction data corresponds to the purchase identifier, wherein the transaction data includes at least purchase data and a transaction time and/or date, and wherein the transaction time and/or date is within a predetermined period of time of the origination time and/or date; and transmitting, by a transmitting device, at least the purchase data included in the received transaction data and the computer identifier for suppression of advertisements distributed to the computing device based on at least the purchase data.. . ... Mastercard International Incorporated

11/05/15 / #20150317654

Method and system for linking traffic data to purchase behavior

A method for linking traffic data to transaction data includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including at least a geographic location associated with the related payment transaction, a transaction time and/or date, and transaction data; receiving traffic data, the traffic data being related to vehicle traffic and including at least a geographic traffic area, a period of time, and one or more traffic characteristics associated with the vehicle traffic; identifying a subset of transaction data entries where each entry in the subset includes a geographic location included in a geographic transaction area corresponding to the geographic traffic area and a transaction time and/or date included in the period of time; and identifying an economic impact of the vehicle traffic based on at least the transaction data included in each of the transaction data entries included in the identified subset.. . ... Mastercard International Incorporated

11/05/15 / #20150317638

Methods, devices and systems for transaction initiation

Methods, devices and a system for transaction initiation are disclosed. Biometric information is obtained from a user, and the obtained biometric information is compared with a plurality of stored account identifiers, to identify an account having an account identifier corresponding to the obtained biometric information. ... Mastercard International Incorporated

11/05/15 / #20150317633

Analytics rules engine for payment processing system

According to some embodiments, a payment system authorization platform may receive an authorization message from an acquirer platform. The payment system authorization platform may determine that the authorization request meets a pre-determined condition and transmit information about the authorization message to an analytics rules engine, such as by transmitting the authorization message. ... Mastercard International Incorporated

11/05/15 / #20150317631

Matching personal photo images with purchase history

At a photo server, a payment card account number is obtained from a cardholder. At the photo server, access is obtained to a database of payment card transaction information, using the payment card account number. ... Mastercard International Incorporated

11/05/15 / #20150317629

Systems and methods for authorizing a purchase transaction using net worth estimate

Systems and methods for permitting a consumer to consummate a purchase transaction when the purchase transaction amount exceeds an available credit limit and that consumer has assets to cover the overage amount. Thus, in some embodiments a net worth confirmation platform receives transaction information, transmits the transaction information to an issuer financial institution (fi), receives an indication from the issuer fi that the that the transaction is unauthorized, and determines that at least one business rule applies to the transaction and an overage amount. ... Mastercard International Incorporated

11/05/15 / #20150317615

Methods and systems for processing electronic transactions and managing vehicle costs

A computer-implemented method for performing an electronic transaction using a payment computer coupled to a database is provided. The transaction includes an item purchased in association with a vehicle and initiated by a cardholder with a merchant. ... Mastercard International Incorporated

11/05/15 / #20150317613

Systems and methods for providing anonymized transaction data to third-parties

A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. ... Mastercard International Incorporated

10/29/15 / #20150310475

Method and system for predicting coupon redemption

A method for identifying coupon redemption characteristics includes: storing a plurality of consumer profiles, each consumer profile including data related to a consumer including a consumer identifier and a plurality of coupon redemption data entries, each coupon redemption data entry including a coupon identifier and coupon data related to a coupon redeemed by the related consumer; receiving an authorization request for a payment transaction, the authorization request including a specific consumer identifier and a redeemed coupon identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; creating, in the specific consumer profile, a new coupon redemption data entry corresponding to a coupon corresponding to the redeemed coupon identifier; and identifying at least one coupon redemption characteristic based on the coupon data included in each of the coupon redemption data entries included in the specific consumer profile.. . ... Mastercard International Incorporated

10/29/15 / #20150310442

Methods, systems and computer readable media for determining criminal propensities in a geographic location based on purchase card transaction data

Methods, systems, and computer readable media for determining criminal propensities in a geographic location based on customer card transaction data are disclosed. In one example, the method includes utilizing purchase card transaction data associated with purchase card transactions conducted during a designated time period to determine a plurality of first normalized regional expenditure indices corresponding to a plurality of industry categories for a first geographic location. ... Mastercard International Incorporated

10/29/15 / #20150310440

Methods and systems for verifying individuals prior to benefits distribution

Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. ... Mastercard International Incorporated

10/29/15 / #20150310439

Method for generating and updating alternate security codes for payment cards

An auxiliary security code called a cvc2a is generated to replace a cvc2 value that is presented on a payment card for verifying card-not-present (cnp) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced.. ... Mastercard International Incorporated

10/29/15 / #20150310425

Systems and methods of processing payment transactions using one-time tokens

Disclosed are exemplary embodiments of systems and methods for processing payment transaction using pseudo-pan. In an exemplary embodiment, a method generally includes generating an encryption salt, receiving a request from a consumer indicating a possible payment transaction, in response to the request, generating a one-time token, based on the actual payment information and a most recent generated encryption salt, the one-time token having the same format as the payment information, with a routing segment of the one-time token being identical to a routing segment of the payment information, and presenting the one-time token.. ... Mastercard International Incorporated

10/29/15 / #20150310401

Platform and method for analyzing the performance of message oriented middleware

A computer server platform application for analyzing a capability of a message oriented transaction system. The platform application includes a first server having a performance driver utility for sending a plurality of transactions through a queue manager as messages having a payload and a correlation identification. ... Mastercard International Incorporated

10/29/15 / #20150310387

Systems and methods for routing return products to subsequent purchasers

Disclosed are exemplary embodiments of systems and methods for routing return products from prior purchasers to subsequent purchasers. In an exemplary embodiment, a method generally includes receiving a search request for a target product, identifying a return product associated with the target product, in response to the search request, the return product designated for return from a prior purchaser to a seller of the return product, but not yet received by the seller, receiving a purchase request for the return product, the purchase request indicating a subsequent purchaser, and issuing an instruction, to a courier in possession of the return product and/or the prior purchaser of the return product, to route the return product to the subsequent purchaser.. ... Mastercard International Incorporated

10/22/15 / #20150302522

Weather related purchase guaranty for payment networks

Processor-executable methods, computing systems, and related processing for the creation, transaction, administration, management and communication of data relating to weather-related guarantees or insurance policies on travel related expenditures made over a payment card system for protecting against loss of value, or otherwise agreed upon conditions, relating to unpredictable weather or other natural phenomenon.. . ... Mastercard International Incorporated

10/22/15 / #20150302464

Systems and methods for audience performance optimization using credit card data, historical network transaction data, and promotion contact data

A method includes receiving a data set that represents payment card transactions of a set of cardholders during a current time period. The method further includes filtering the set of cardholders based on one or more spending characteristics exhibited by the set of cardholders and indicated by the payment card transactions during the current time period, to produce a subset of the cardholders. ... Mastercard International Incorporated

10/22/15 / #20150302438

Systems and methods for generating competitive merchant sets for target merchants

Exemplary systems and methods for generating competitive merchant sets for target merchants are disclosed. One exemplary method includes compiling a sample of merchants from a database of merchants, determining a ticket size score, determining a proximity score for each merchant in the sample of merchants, and determining a historic relation score for each merchant in the sample of merchants. ... Mastercard International Incorporated

10/22/15 / #20150302410

Systems and methods for use in inhibiting theft of payment cards

Exemplary systems and methods for inhibiting payment card theft are disclosed. One exemplary method includes receiving a non-activation attempt for a payment card. ... Mastercard International Incorporated

10/22/15 / #20150302406

Methods and systems for improving accurancy of merchant aggregation

A method and a system that involve retrieving, from one or more databases, a first set of information including merchant aggregated payment card transaction data, and retrieving, from one or more databases, a second set of information including merchant hierarchical organizational structure. The method and the system further involve analyzing the first set of information and the second set of information to identify one or more associations between the merchant aggregated payment card transaction data and the merchant hierarchical organizational structure, and updating the merchant aggregated payment card transaction data based on the one or more associations. ... Mastercard International Incorporated

10/22/15 / #20150302405

Method and system for validation of merchant aggregation

A method and system that involve retrieving, from one or more databases, a first set of information including merchant aggregated payment card transaction data for a defined time period, and retrieving, from one or more databases, a second set of information including merchant reported sales data for the defined time period. The method and system further involve analyzing the first set of information and the second set of information to generate a correlation coefficient for the defined time period, and assessing the merchant aggregated payment card transaction data based on the correlation coefficient. ... Mastercard International Incorporated

10/22/15 / #20150302402

Method for authenticating a transaction, and corresponding servers, systems, devices, computer-readable storage mediums and computer programs

Various embodiments provide a method for authenticating a transaction, the method comprising: generating a first authentication code based on transaction information and a first cryptographic key, the transaction information relating to the transaction; providing a data carrier having data comprising the first authentication code and the transaction information; presenting the data carrier to a first server to cause the first server to extract the data from the data carrier; generating a second authentication code based on a second cryptographic key and the transaction information from the extracted data; and authenticating the transaction based on a comparison between the first authentication code from the extracted data and the second authentication code.. . ... Mastercard International Incorporated

10/01/15 / #20150278952

Leveraging spend behavior to create equity portfolios

A method and/or system is provided that includes retrieving from one or more databases a first set of information with the first set of information having payment card transaction sales data associated with each of a plurality of merchants; and retrieving from one or more data bases a second set of information with the second set of information having securities market data associated with each of the plurality of merchants. The method further includes generating one or more groupings of merchants based on the first set of information and the second set of information; ranking each of the merchants, relative to the other merchants, in the one or more groupings into a hierarchy based on selection criteria; identifying a predetermined number of merchants ranked at different levels of the hierarchy in the one or more groupings; selecting the identified merchants from the one or more groupings; and combining the selected merchants into an index.. ... Mastercard International Incorporated

10/01/15 / #20150278854

Method and system for targeting online advertisements

An electronic message containing reservation data is received. The reservation data of the electronic message is parsed with a computer processor to identify a planned future travel activity of a customer. ... Mastercard International Incorporated

10/01/15 / #20150277964

Systems and methods for throttling transaction processing based on constrained sub-systems

A computer-based method for throttling payment card transaction processing is provided. The method uses a computer device including a processor and a memory. ... Mastercard International Incorporated

09/24/15 / #20150269786

Transport system user inspection

A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.. . ... Mastercard International Incorporated

09/24/15 / #20150269701

Systems and methods for identity validation and verification

According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.. ... Mastercard International Incorporated

09/24/15 / #20150269667

Method and system for consumer behavior modeling based on installment payments

A method for predicting consumer behavior includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to one or more consumers including at least consumer data and a profile identifier; receiving, by a receiving device, an authorization request or clearing record for a payment transaction, wherein the authorization request or clearing record includes at least an indication of the payment transaction as an installment transaction, transaction data, a specific profile identifier, a repayment length, and an installment amount; identifying a specific consumer profile where the included profile identifier corresponds to the specific profile identifier; and transmitting, by a transmitting device, an indication of a propensity to have available funding based on the repayment length, wherein the indication includes at least the consumer data included in the identified specific consumer profile and the installment amount included in the received authorization request or clearing record.. . ... Mastercard International Incorporated

09/24/15 / #20150269572

Automatic data transfer

A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.. . ... Mastercard International Incorporated

09/24/15 / #20150269571

Method and system for facilitating payments on a payment card network

A computer implemented method of processing a payment request is provided, the method comprising operating a processor of a network node to: (i) determine that a current time is within a predefined period of a payment time associated with a payment profile; (ii) determine an account number, a payment amount and a payment provider associated with the payment profile; (iii) transmit to the payment provider a request for pre-authorization of payment of the payment amount from an account associated with the determined account number; and (iv) responsive to receiving a pre-authorization from the payment provider, associating an authorization indication with the payment profile.. . ... Mastercard International Incorporated

09/24/15 / #20150269567

Methods and systems for improving payment card acceptance quality

A system and method for resolving an acceptance issue on a payment network are provided. The method includes receiving a notification message of an acceptance issue. ... Mastercard International Incorporated

09/24/15 / #20150269555

Systems and methods for using gestures in financial transactions on mobile devices

A computer-implemented method for providing cardholder account information in response to gestures at a mobile computing device to facilitate a payment transaction is implemented by a mobile computing device coupled to a memory. The method includes receiving a first haptic gesture associated with a financial transaction, providing a plurality of payment method options retrieved from a data repository based upon the first haptic gesture, receiving a second haptic gesture comprising a payment method selection selected from the plurality of payment method options, and providing a plurality of cardholder account information for the financial transaction, the plurality of cardholder account information provided based at least in part on the payment method selection.. ... Mastercard International Incorporated

09/24/15 / #20150269346

Mining transaction data for healthiness index

A database of payment card transaction data and a database of merchant data are accessed. Per-capita spending for at least two categories of merchants with transaction data in the database is determined for at least one payment card account for a predetermined time period. ... Mastercard International Incorporated

09/17/15 / #20150264064

Method and system for filtering spam messages on purchase preferences

A method for unblocking spam email messages includes: storing, in an email database, a plurality of email data entries, wherein each email data entry includes data related to an email message including at least message data, content data, and an indication of spam; receiving, by a receiving device, consumer data associated with one or more consumers, wherein the consumer data is based on transaction data for one or more payment transactions involving the associated one or more consumers; identifying, in the email database, one or more email data entries where the included content data corresponds to the received consumer data; and transmitting, by a transmitting device, at least the message data included in each of the identified one or more email data entries.. . ... Mastercard International Incorporated

09/17/15 / #20150262310

Merchant aggregation through account entry

Electronic transactions involving a subject merchant location are identified with a test transaction of a predetermined known amount, on a predetermined date, drawn upon a known account number. In the case of merchants having multiple transaction terminals in a given location, the process can be repeated for each transaction terminal. ... Mastercard International Incorporated

09/17/15 / #20150262226

Method and system for identifying fraudulent and unconverted clicks in web advertisements

A method for identifying fraudulent clicks includes: storing a plurality of click data entries, each entry including data related to a consumer click of an electronic advertisement including a device identifier of a plurality of device identifiers; receiving a plurality of clearing indications, wherein each clearing indication is associated with a device identifier of the plurality of device identifiers and indicates non-existence of a clearing record for a payment transaction associated with a computing device associated with the respective device identifier; identifying a subset of the plurality of click data entries wherein each click data entry of the subset includes a device identifier associated with a clearing indication of the received plurality of clearing indications; and indicating, in the click database, each click data entry of the identified subset of the plurality of click data entries as being a fraudulent consumer click of the related electronic advertisement.. . ... Mastercard International Incorporated

09/17/15 / #20150262222

Method and system for calculating advertisement conversion rates

A method for calculating a click conversion rate includes: storing a plurality of click data entries, each entry including data related to an electronic advertisement including a number of clicks and a consumer identifier associated with a plurality of consumers that have clicked on the related advertisement; receiving a plurality of transaction data entries, each entry including data related to a payment transaction including common merchant data and a common consumer identifier; identifying a specific click data entry where the consumer identifier corresponds to the common consumer identifier and the related advertisement corresponds to the common merchant data; and calculating a conversion rate for the advertisement related to the specific click data entry based on the included number of clicks and a number of the plurality of transaction data entries.. . ... Mastercard International Incorporated

09/17/15 / #20150262211

Method and system for providing a reward based on a price differential for a product

A computer-implemented method for providing a reward based on a price differential for a product is described. The method is implemented using a computing device in communication with one or more memory devices. ... Mastercard International Incorporated

09/17/15 / #20150262167

Methods and systems to remotely issue proximity payment devices

A system is described for remotely issuing a payment device. The system includes a payment network, a chip card issuer and a remote dispensing device. ... Mastercard International Incorporated

09/17/15 / #20150262161

Virtual card number transaction record

Disclosed herein is a method for performing a transaction by a mobile device 201, the method comprising the mobile device 201: obtaining 303 a payment token; using 305 the token in a transaction; obtaining 307 a receipt of the transaction; and associating 309 the receipt with a record of the token used in the transaction. Advantageously, the management of payments is improved over known techniques by automatically associating receipts of payments with respective records of the payments.. ... Mastercard International Incorporated

09/17/15 / #20150261549

Platform for generating composite applications

Embodiments of the present invention are directed to composite applications that can be created and implemented using components of a platform disclosed herein. Widgets associated with one or more products available in a mashup container can be implemented based on a selection by a user of the widgets from a widget catalog. ... Mastercard International Incorporated

09/10/15 / #20150254668

Method and system for secure consumer identification

Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.. ... Mastercard International Incorporated

09/10/15 / #20150254662

Verifying transaction context data at wallet service provider

A first message is received at a wallet service provider. The first message contains transaction detail and transaction context data. ... Mastercard International Incorporated

09/10/15 / #20150254649

Authentication token for wallet based transactions

Transaction address data is received at a point of interaction (poi) device, from a payment-enabled mobile device. The transaction address data includes first address data and second address data. ... Mastercard International Incorporated

09/10/15 / #20150254639

Transactions utilizing multiple digital wallets

First and second wallet form data are transmitted to a mobile device. The first and second wallet form data indicate funding account options respectively available from two different digital wallets. ... Mastercard International Incorporated

09/03/15 / #20150248670

Systems, apparatus and methods for mobile companion prepaid card

Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (api) web request from an issuer financial institution (fi) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. ... Mastercard International Incorporated

09/03/15 / #20150248668

Secure mobile device transactions

A mobile computing device has a processor and a memory. The processor is programmed with a mobile transaction application 101. ... Mastercard International Incorporated

09/03/15 / #20150248657

System and method for recovering refundable taxes

A method for processing a payment transaction relating to a purchase and refunding a tax paid on the purchase, the method comprising (i) receiving, over a network from a merchant apparatus, payment transaction data relating to a payment transaction associated with an electronic payment card, (ii) analysing the payment transaction data to determine whether the payment transaction is eligible for a tax refund; (iii) determining a tax refund value relating to the payment transaction; and (iv) coordinating between an issuer associated with the electronic payment card and a tax authority in order to credit an account associated with the electronic payment card with the tax refund value. The invention thereby provides a scheme or process by which an overseas cardholder can be provided with a refund of the tax paid on eligible purchases in a manner that is user-friendly, that has traditionally been performed in a largely paper-based environment.. ... Mastercard International Incorporated

09/03/15 / #20150248655

Systems and methods for transmitting magnetic stripe data

A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. ... Mastercard International Incorporated

08/27/15 / #20150244718

Biometric authentication

Instead of requiring key exchange between a trusted biometric application in a tee and an external application outside of the tee that provides access to a secured function, the trusted application is preconfigured with security data such as (in a first implementation) authentication credentials (e.g. A pin) or (in a second implementation) a cryptographic key. ... Mastercard International Incorporated

08/27/15 / #20150242876

Method and system for providing an investment fund for consumer rewards

A method for investing consumer loyalty rewards includes: storing, in a rules database, one or more conversion rules, wherein each of the one or more conversion rules includes at least an account identifier and a conversion rate; receiving, by a receiving device, an investment request, wherein the investment request includes at least a specific account identifier and a reward amount; identifying, in the rules database, a specific conversion rule where the included account identifier corresponds to the specific account identifier; calculating, by a processing device, a monetary value based on application of the conversion rate included in the specific conversion rule to the reward amount included in the received investment request; and transmitting, by a transmitting device, an investment request, wherein the investment request includes at least the calculated monetary value and requests investment of the calculated monetary value in one or more investment accounts.. . ... Mastercard International Incorporated

08/27/15 / #20150242869

Method and system for linking transaction data with events

A method for performing analytics processing in order to determine economic impact of an event on a particular market includes: receiving event information from an event storage unit, the event information including event data associated with an event and a venue in which the associated event occurred; receiving payment transaction information from a transaction storage unit, the payment transaction information including transaction data associated with each of a plurality of payment transactions; identifying a particular event and a particular venue associated with event data included in the received event information; identifying transaction data for payment transactions that occurred within a particular time frame of the particular event and within a specified area of a location of the selected event from the received payment transaction information; and determining an economic impact of the particular event on a particular market based on the identified transaction data.. . ... Mastercard International Incorporated

08/27/15 / #20150242853

Payment account tokenization method

A method includes receiving a bank identification number (bin) that defines a range of indicator numbers, and generating a plurality of primary account numbers (pans) that start with that bin. The method further includes generating a plurality of tokens that start with the same bin. ... Mastercard International Incorporated

08/27/15 / #20150242847

Method and system for converting asynchronous to synchronous transactions

A method for compiling asynchronous transactions includes: receiving, by a receiving device, a first asynchronous message, wherein the first asynchronous message includes at least transaction data and a destination; receiving, during a predetermined period of time, one or more additional asynchronous messages, wherein each of the one or more additional asynchronous messages includes at least transaction data; identifying, by a processing device, a resolved set of data based on at least the transaction data included in the first asynchronous message and the transaction data included in each of the one or more additional asynchronous messages; generating, by the processing device, a compiled message, wherein the compiled message includes at least the identified resolved set of data; and transmitting, by a transmitting device, the generated compiled message to the destination.. . ... Mastercard International Incorporated

08/27/15 / #20150242846

Systems and methods for predicting a merchant's change of acquirer

According to some embodiments, an acquiring party prediction platform may receive transaction information about a plurality of transactions associated with a merchant, and different transactions may be associated with different acquiring parties. The transaction information may be analyzed to generate a prediction that a particular acquiring party may be associated with a transaction volume below a threshold volume in the future. ... Mastercard International Incorporated

08/27/15 / #20150242843

Methods and systems for providing a payment account with adaptive interchange

Pursuant to some embodiments, systems, methods, apparatus, and means for conducting payment transactions using mobile devices are provided in which a mobile device is presented at a point of sale for use in a payment transaction. A selection of a primary account is received from a user of the mobile device, and the mobile device automatically identifies a product type of the primary payment account. ... Mastercard International Incorporated

08/27/15 / #20150242832

System and method for recovering refundable taxes

A method for processing a payment transaction relating to a purchase and refunding a tax paid on the purchase comprises: receiving data relating to a payment transaction associated with an electronic payment card; storing said data in a payment transaction record in a data store; analysing the payment transaction record to determine whether the payment transaction is eligible for a tax refund; determining a tax refund value relating to the payment transaction; and coordinating between an issuer associated with the payment card and a tax authority in order to credit an account associated with the electronic payment card with the tax refund value. The invention thereby provides a scheme by which an overseas cardholder can be provided with a refund of the tax paid on eligible purchases in a manner that is user-friendly and transparent to the cardholder.. ... Mastercard International Incorporated

08/27/15 / #20150242748

Method and system for predicting future political events using payment transaction data

A method for predicting the occurrence of a future political event includes: storing a plurality of event data entries, each entry including data related to a past political event including at least an event category associated with the related political event and one or more past transaction behaviors; storing a plurality of transaction data entries, each entry including data related to a payment transaction conducted in a predetermined geographic area including at least transaction data; identifying one or more current transaction behaviors based on the transaction data included in each transaction data entry; identifying a specific event data entry based on a correspondence between the identified one or more current transaction behaviors and the one or more past transaction behaviors included in the specific event data entry; and predicting an event associated with the event category included in the specific event data entry in the predetermined geographic area.. . ... Mastercard International Incorporated

08/20/15 / #20150235321

Insurance risk modeling method and apparatus

A system, method, and computer-readable storage medium configured to enable insurance-related risk behavior modeling of individuals based on their payment card purchases.. . ... Mastercard International Incorporated

08/20/15 / #20150235309

Business services platform solutions for small and medium enterprises

Methods and systems for providing business services solutions for small and medium enterprises (smes) owned by merchants in developed markets and in developing markets. In some embodiments, a merchant enrolls with a merchant issuer financial institution (fi) and then receives an sme financial account, a suite of shared sme business service applications, and access to a payment card acceptance service for use in setting up and scaling their business. ... Mastercard International Incorporated

08/20/15 / #20150235222

Investment risk modeling method and apparatus

A system, method, and computer-readable storage medium configured to enable investment-related risk behavior modeling of individuals based on their payment card purchases.. . ... Mastercard International Incorporated

08/20/15 / #20150235217

Photos to detect fraud at point of sale method and apparatus

A system, method, and computer-readable storage medium configured to use cardholder photos captured at the time of purchase as a factor in fraud determination. Baseline cardholder photos may be submitted directly or via a social network.. ... Mastercard International Incorporated

08/13/15 / #20150227938

Transaction authorisations method and system

A method and associated system for performing a transaction using biometric input from a cardholder 20 to establish both the presence of the cardholder at a point of sale 10, cardholder identification, and the cardholder's informed consent to a particular transaction, cardholder consent. In some embodiments, a single, unusual biometric input, such as placing the little fingers of both hands on a fingerprint scanner 24a, is detected at the point of sale 10 to establish both cardholder identity and cardholder consent in a single, convenient action.. ... Mastercard International Incorporated

08/13/15 / #20150227937

Random biometric authentication method and apparatus

A system, apparatus, and computer-readable storage medium configured to authenticate users using biometric data from randomly selected digits.. . ... Mastercard International Incorporated

08/13/15 / #20150227934

Method and system for determining and assessing geolocation proximity

A method and a system directed to location-based services within a wireless telecommunications or data communications network, and more particularly to other technical fields such as technologies used to authenticate secure payment card transactions, technologies to verify and validate payment card user identities, and for use with any application where the results of comparing two or more geographic locations has some utility or value. The method includes receiving information from a transaction device involving a payment card holder initiating a payment card transaction; identifying a location of the transaction device; identifying a location of a mobile device associated with the payment card holder; comparing the location of the transaction device with the location of the mobile device to determine a relative degree of proximity of the transaction device with the mobile device; and assessing the determined relative degree of proximity to determine whether the payment card transaction is valid or invalid.. ... Mastercard International Incorporated

08/13/15 / #20150227923

Biometric solution enabling high throughput fare payments and system access

A communications network places in data communication an access point controlling access to a controlled access area; a server; and a medium-long range wireless communications transceiver. The transceiver detects presence of a portable electronic device outside the access point. ... Mastercard International Incorporated

08/13/15 / #20150227920

Management of identities in a transaction infrastructure

A method of managing one or more identities in a transaction infrastructure uses a token identity. The user receives a physical token with a token identity known to a transaction authoriser. ... Mastercard International Incorporated

08/13/15 / #20150227912

Devices and methods for facilitating face to face funds transfers

A device is provided that enables two account holders with associated payment cards to transfer funds between their accounts using their payment cards. The device comprises a payment card reader, communication means for communicating with a payment processing network, and a user interface. ... Mastercard International Incorporated

08/06/15 / #20150222729

Methods, systems and computer readable media for enabling a downloadable service to access components in a mobile device

Methods, systems, and computer readable media for enabling a downloadable service to access components in a mobile device are disclosed. According to one aspect, a system comprises a mobile device that includes a mobile wallet application configured to determine at least one hardware component or software component provisioned on the mobile device and to generate a capabilities object containing information identifying the at least one hardware or software component. ... Mastercard International Incorporated

08/06/15 / #20150221028

Method and apparatus for value interchange pricing

Methods, systems and computer readable media for determining an interchange tier to apply to individual payment card accounts. In an embodiment, a payment card system operator computer establishes scoring rules and at least two interchange tiers to associate with payment card accounts, transmits the scoring rules to at least one issuer, receives payment card account data, and scores each of the plurality of individual payment card accounts, and scores each of the payment card accounts according to the scoring rules. ... Mastercard International Incorporated

08/06/15 / #20150220983

Systems and methods of determining predictors based on transaction data and social network data

Disclosed are exemplary embodiments of systems and methods for processing data associated with a purchasing entity. In an exemplary embodiment, a method generally includes accessing transaction data including a plurality of payment card events, each of the plurality of payment card events occurring within a time interval and being associated with the purchasing entity. ... Mastercard International Incorporated

08/06/15 / #20150220957

Method and system for payment card linked offer generation

A method for discounting a payment transaction include: storing, in a memory, transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving, by a receiving device, payment data associated with a payment account, wherein the payment data includes at least a payment account number; receiving, by the receiving device, offer data, wherein the offer data includes an offer identifier associated with the payment account and a transaction modifier; encrypting, using a predetermined encryption key, at least a portion of the payment account number to obtain an encrypted account number; and updating, in the memory, the transaction amount included in the transaction data based on the transaction modifier if the encrypted account number corresponds to the offer identifier.. . ... Mastercard International Incorporated

08/06/15 / #20150220945

Systems and methods for developing joint predictive scores between non-payment system merchants and payment systems through inferred match modeling system and methods

A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. ... Mastercard International Incorporated

08/06/15 / #20150220937

Systems and methods for appending payment network data to non-payment network transaction based datasets through inferred match modeling

A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. ... Mastercard International Incorporated

08/06/15 / #20150220934

Methods and apparatus for registering products with manufacturers at point of sale

A method includes reading purchased-item information by a point-of-sale (pos) device from a purchased item presented to the pos device. The method further includes determining by the pos device that the purchased item is eligible for warranty registration, and reading a payment card by the pos device. ... Mastercard International Incorporated

08/06/15 / #20150220920

Method and system for optimizing force posted payments

A method for force posting clearing transactions includes: storing, in a memory, a chargeback ratio associated with a merchant and a chargeback threshold; receiving, by a receiving device, a plurality of declined authorization requests, wherein each declined authorization request is associated with a payment transaction involving the merchant; identify, for each of the received declined authorization requests, a fraud or chargeback score, wherein the fraud or chargeback score represents a likelihood of the associated payment transaction being fraudulent or charged back; identifying, by a processing device, a subset of declined authorization requests where each declined authorization request included in the subset is based on the respective identified fraud or chargeback score, wherein a number of declined authorization requests in the subset is based on a correspondence between the chargeback ratio and the chargeback threshold; and submitting a clearing record for each declined authorization request in the identified subset.. . ... Mastercard International Incorporated

08/06/15 / #20150220911

Method, apparatus, and computer program product for topping up prepaid payment cards for offline use

A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. ... Mastercard International Incorporated

07/30/15 / #20150213520

Systems and methods providing asset conformation and/or valuation for a customer making a purchase

According to some embodiments, an asset confirmation platform may receive transaction information about a purchase being made by a customer from a merchant. Responsive to the received transaction information, the asset confirmation platform may automatically determine a monetary value of at least one asset owned by the customer. ... Mastercard International Incorporated

07/30/15 / #20150213478

Method and system for allowing time-based, incremental point acceleration

A method for awarding time-based incremental rewards for a payment transaction includes: storing a reward rule, wherein the reward rule includes at least a base amount, an increase amount, and a predetermined period of time; storing a first transaction data entry, wherein the first transaction data entry includes data related to a completed transaction including at least a transaction time and/or date; receiving, by a receiving device, transaction data for a payment transaction, wherein the transaction data includes at least a time and/or date; and identifying, by a processing device, a reward amount for the payment transaction if the time and/or date included in the received transaction data is within the predetermined period of time of the transaction time and/or date included in the first transaction data entry, wherein the reward amount is based on at least the base amount and increase amount included in the reward rule.. . ... Mastercard International Incorporated

07/30/15 / #20150213474

Apparatus, method, and computer program product for transit pooling using payment card data

Using payment card transaction data, residence locations are estimated for a plurality of payment card holders and recurrent destinations are estimated for at least a first portion of the plurality of payment card holders. A plurality of pooled transit pick-up points are identified in a geographic region of interest. ... Mastercard International Incorporated

07/30/15 / #20150213464

Systems and methods for determining and analyzing characteristics of devices used in payment transactions

A device profiling computer system for determining and analyzing characteristics of devices used in payment transactions includes a processor, a device profiling database in communication with the processor, and a memory coupled to the processor. The device profiling computer system is configured to receive a set of first transaction data associated with a first transaction initiated by a cardholder at an online merchant wherein the cardholder initiates the first transaction using a cardholder computing device and wherein the set of first transaction data includes a set of first device characteristic data related to the cardholder computing device, analyze the set of first transaction data to determine a set of device characteristics, and update a device record stored in a device profiling database with the set of first transaction data wherein the device record is associated with the set of device characteristics.. ... Mastercard International Incorporated

07/30/15 / #20150213419

Method and system for facilitating micropayments in a financial transaction system

A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. ... Mastercard International Incorporated

07/23/15 / #20150206416

Payment card location method and apparatus

A system, method, and computer-readable storage medium configured to track the location of lost payment cards.. . ... Mastercard International Incorporated

07/23/15 / #20150206251

Method and system for virtual account number-based travel expense controls and accounting

A method for providing enhanced control of travel purchases includes: storing rule data entries, each entry including data related to an employer rule including a rule identifier and at least one data requirement; receiving a payment number request including a specific rule identifier, payment amount, and data fields; identifying a specific rule data entry where the rule identifier corresponds to the specific rule identifier; identifying a controlled payment number configured for use for a single payment transaction if data included in the data fields satisfies the at least one data requirement included in the specific rule data entry; transmitting the identified controlled payment number; storing a transaction record including the identified controlled payment number and data fields; receiving purchase data corresponding to a purchase made using the identified controlled payment number, the purchase data including the controlled payment number; and associating the stored transaction record with the received purchase data.. . ... Mastercard International Incorporated

07/23/15 / #20150206153

Method and system for indexing consumer sentiment of a merchant

A method and a system are provided for indexing consumer sentiment of a merchant. The method includes retrieving from one or more databases a first set of information comprising categorization of merchants, and retrieving from one or more databases a second set of information comprising social media information indicative of consumer sentiment of a merchant for a defined time period. ... Mastercard International Incorporated

07/23/15 / #20150206136

Mobile secure element based shared cardholder verification

In a payment-enabled smartphone, a shared cardholder verification method (cvm) applet serves a number of mobile payment cardlets. The shared cvm applet validates cvm information input by a user of the smartphone and in response issues a cvm token. ... Mastercard International Incorporated

07/23/15 / #20150206131

System and method for adaptive response protocol

A method includes receiving a request for a response, where the request has a defined response deadline. The method further includes determining whether optimal response information is available prior to the defined response deadline. ... Mastercard International Incorporated

07/23/15 / #20150206110

Automatic data transfer

A computer-implemented method of automatically transferring data to each of one or more data receivers includes, for each data receiver: automatically determining if the current data within the data receiver meets a requirement for an automatic transfer of data to the data receiver to be performed; and, in dependence on the requirement being met: automatically attempting to transfer data from a first data source to the data receiver in dependence on the data within the first data source; and, if the attempt to transfer data is not successful, automatically transferring data from one of one or more further data sources, in dependence on the data within the one of the one or more data sources, to the data receiver. Advantageously, a user's experience is improved both due to the increased amount of control that a user has and the improved functionality of the system.. ... Mastercard International Incorporated

07/16/15 / #20150199716

Method and system for real time targeted advertising in a retail environment

A method and a system for real time targeted advertising using purchase transaction data and payment card holder activity and location information in a retail environment. The system comprises one or more databases configured to store a first set of information comprising payment card holder information including at least purchasing and payment activities attributable to the payment card holder, a second set of information comprising payment card holder activity and location in a retail environment, and a third set of information comprising merchant advertising information. ... Mastercard International Incorporated

07/16/15 / #20150199701

Method and system for time-based promotional point decay

A method for calculating a consumer reward includes: storing, in a promotion database, a promotion profile, wherein the promotion profile includes data related to a consumer promotion including at least a start time and/or date, an end time and/or date, a starting point value, and a rate of decay; receiving, by a receiving device, transaction data for a payment transaction, wherein the transaction data includes at least a transaction time and/or date; identifying, by a processing device, an elapsed time corresponding to time elapsed from the start time and/or date included in the promotion profile to the transaction time and/or date included in the received transaction data; and identifying, by the processing device, a reward point amount based on at least the identified elapsed time and the starting point value and the rate of decay included in the promotion profile.. . ... Mastercard International Incorporated

07/16/15 / #20150199664

Methods, systems, and computer readable media for facilitating access to transportation services

Methods, systems, and computer readable media for facilitating access to transportation services are provided. One system includes an application configured to execute on a computing device. ... Mastercard International Incorporated

07/16/15 / #20150198446

Atm and card acceptance locations using augmented reality method and apparatus

A system, method, and computer-readable storage medium configured to locate an automated teller machine (atm) or indicate payment card acceptance by a vendor using augmented reality.. . ... Mastercard International Incorporated

07/16/15 / #20150196845

Method and system for providing social game use with financial card transactions

A method for scoring a payment transaction includes: storing consumer profiles, each consumer profile including a consumer identifier, contact information, and team identifier; storing merchant profiles, each merchant profile including a merchant identifier and plurality of team scores; receiving an authorization request for a payment transaction, the request including a consumer identification, merchant identification, and transaction data; identifying a specific consumer profile where the included consumer identifier corresponds to the consumer identification; identifying a specific merchant profile where the included merchant identifier corresponds to the merchant identification; identifying a transaction score for the transaction using one or more scoring rules based on the transaction data; updating, in the specific merchant profile, a team score corresponding to the team identifier included in the specific consumer profile based on the transaction score; and transmitting a notification to a consumer related to the specific consumer profile based on the included contact information.. . ... Mastercard International Incorporated

07/09/15 / #20150193790

Virtual panel creation method and apparatus

A system, method, and computer readable storage medium configured to use a selected set of financial accounts to create a virtual panel which measures behavior from a sample of consumers that is representative of the overall consumer population across key geographic, demographic, and behavior dimensions in an in-memory modeling environment.. . ... Mastercard International Incorporated

07/09/15 / #20150193789

Method and system for personalized news recommendations based on purchase behavior

A method for identifying news interest levels includes: storing a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving a consumer of a plurality of consumers including transaction data and a consumer identifier associated with the involved consumer; storing a plurality of interest scoring rules, each interest scoring rule associated with at least one news category; identifying a subset of transaction data entries where each entry in the subset includes a common consumer identifier associated with a specific consumer; identifying a plurality of news interest levels based on an application of the plurality of interest scoring rules to the transaction data included in the transaction data entries of the subset of transaction data entries; and transmitting the identified plurality of news interest levels for use in identifying news-related content for distribution to a consumer associated with the common consumer identifier.. . ... Mastercard International Incorporated

07/09/15 / #20150193763

Methods and systems for self-service checkout

Methods and systems for self-service checkout. In an embodiment, a mobile device processor of a consumer's mobile device receives input data of an item selected for a purchase transaction, displays information concerning the item on a display screen, and receives an indication from a consumer that shopping is completed. ... Mastercard International Incorporated

07/02/15 / #20150186990

Methods and systems for managing consumer savings with credit card transactions

In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. ... Mastercard International Incorporated

07/02/15 / #20150186914

Systems and methods for peer-to-peer reward points transfer over mobile devices

A computer-implemented method for transferring reward points between mobile computing devices is implemented by a first mobile computing device. The method includes receiving a first reward points balance associated with a first reward points account, detecting a second mobile computing device associated with a second reward points account wherein the second reward points account has a second reward points balance, initiating a transfer request from the first mobile computing device to the second mobile computing device, and sending a transfer command to a rewards program computer system wherein the transfer command instructs the rewards program computer system to transfer the at least one reward point between the first reward points account and the second reward points account.. ... Mastercard International Incorporated

07/02/15 / #20150186909

Method and system for consumer tracking using geolocation

A method for calculating consumer metrics includes: storing a plurality of transaction data entries, each entry including a transaction time and transaction geographic location associated with a transaction involving a consumer; receiving a plurality of location data entries, each entry including a consumer geographic location and a location time at which the consumer was at the location; identifying a first subset of location data entries, each entry in the first subset corresponding to a transaction data entry where the times and geographic locations correspond; identifying a second subset of location data entries, wherein the second subset includes each location data entry not in the first subset; calculating a consumer metric based on the location data entries and transaction data entries in the first subset and the location data entries in the second subset; and associating the calculated consumer metric with a consumer profile associated with the consumer.. . ... Mastercard International Incorporated

07/02/15 / #20150186908

Method and system for accelerating payment card usage behavior change

A method and a system for accelerating payment card usage behavior change of a payment card user are provided. The method includes identifying a number of merchant categories associated with payment card usage by a payment card user, and associating payment card usage by the payment card user with an increasing number of merchant categories. ... Mastercard International Incorporated

07/02/15 / #20150186867

Combicard transaction method and system having an application parameter update mechanism

Systems, methods and ic card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an ic card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. ... Mastercard International Incorporated

07/02/15 / #20150186831

Systems and methods for managing check-in communications

Systems, methods and devices for use in managing check-in communications are disclosed. One exemplary method generally includes receiving a notification request associated with a trigger event, where the notification request is indicative of multiple participants associated with the trigger event, and identifying the multiple participants. ... Mastercard International Incorporated

07/02/15 / #20150186802

Systems and methods for managing travel

Systems, methods and devices for use in managing travel are disclosed. One exemplary method includes assigning a risk value to a request for travel to a destination during a travel period and compiling a travel plan based on the assigned risk value, the travel plan defining a first predetermined check-in time. ... Mastercard International Incorporated

06/25/15 / #20150178749

Methods, systems and computer readable media for predicting consumer purchase behavior

Methods, systems, and computer readable media for predicting consumer purchase behavior are disclosed. In one example, the method includes obtaining consumer intention data and purchase transaction data associated with a consumer and merging the consumer intention data with the purchase transaction data to construct a target variable. ... Mastercard International Incorporated

06/25/15 / #20150178739

Systems and methods for passively determining a ratio of purchasers and prosepective purchasers in a merchant location

A method and system for determining a status of a visitor to a physical location and associated with a handheld device using a computer device coupled to a database are provided. The method includes receiving, by the processor, a hello message from a radio associated with one or more handheld devices, capturing a unique identifier of the handheld device from the received hello message, determining visitor geographic information based on the captured unique identifier and a determined signal strength of the hello message, and outputting the visitor information.. ... Mastercard International Incorporated

06/25/15 / #20150178713

Method and system of providing financial transaction card related mobile apps

An application providing method including: storing, at a memory of a cloud-based computing resource, at least two web-based applications; allowing a computing device of a user, after the user has gained access to a website of a financial institution of which the user has an account, to access the application offering page identifying the at least two web-based applications that are stored on the cloud-based computing resource; receiving, in the cloud-based computing resource, a selection of an application from the application offering page; transmitting, from the cloud-based computing resource to the computing device, data that allows the selected application to be displayed on the computing device, the selected application being stored on the cloud-based computing resource; and transmitting, from the cloud-based computing resource to the computing device, data that allows data pertaining to the user that was previously stored by the financial institution to be displayed on the computing device.. . ... Mastercard International Incorporated

06/18/15 / #20150172276

Systems and methods for user authentication

The present disclosure relates to a computer-implemented method for operating a server computer, a user computer and a system to authenticate a user. At a server computer a symbol arrangement and a series of authentication instructions comprising human intelligible text and computer-executable code are generated, the computer-executable code is executed in order to obtain a non-ambiguous instruction series result and the symbol arrangement and the human intelligible text representing the series of instructions are transmitted to a user computer. ... Mastercard International Incorporated

06/18/15 / #20150170182

Method and system for presenting rewards data for card transactions

A product identifier and cardholder identifier are received, specifying a product and cardholder. Computer database(s) are accessed to retrieve, based on the cardholder identifier, data pertaining to rewards card(s) owned by the cardholder. ... Mastercard International Incorporated

06/18/15 / #20150170178

Method and system for receiving customer feedback for presented offers

A method for distributing feedback-based offers includes: storing offer data entries, each entry including an offer identifier, offer data, and distribution conditions; storing a consumer profile, the profile including data related to a consumer including a device identifier, consumer data, and offer feedback data; identifying at least one offer data entry based on the distribution conditions and the consumer data and offer feedback data of the consumer profile; transmitting the offer data included in each identified offer data entry to a computing device associated with the device identifier; receiving, from the computing device, an interest level selection corresponding to each identified offer data entry, the interest level selection representing one of a plurality of interest levels indicated by the consumer as a measure of interest towards the respective offer; and updating the offer feedback data to include the offer data and interest level selection for each identified offer data entry.. . ... Mastercard International Incorporated

06/18/15 / #20150170177

Method and system for curbing coupon distribution due to risk profile

A method for limiting coupon distribution based on risk includes: storing consumer profiles receiving data for transactions involving a consumer; receiving credit information for the consumer; generating variables to identify patterns of behavior based on the data; creating a behavioral profile for the consumer based on the variables; analyzing the credit information and the behavioral profile to determine a risk profile; and distributing coupons to the consumer based on the consumer's risk profile. Another method includes: storing coupons, each including a coupon identifier and a propensity to spend beyond acceptable levels threshold; storing consumer profiles, each including a consumer identifier; receiving a propensity to spend beyond acceptable levels for a consumer; identifying a consumer profile for the consumer; and distributing a coupon to the consumer, wherein the consumer's indicator of propensity to spend beyond acceptable levels does not exceed the coupon's propensity to spend beyond acceptable levels threshold.. ... Mastercard International Incorporated

06/18/15 / #20150170161

Systems and methods for assessing market saturation

A system and a computer-implemented method for determining market saturation of industries in selectable geographic regions are provided. The method is implemented using a market saturation computer subsystem in communication with a payment processor, the market saturation computer subsystem coupled to a memory device and the including receiving financial transaction data associated with financial transactions performed in a selectable geographic area, receiving a selection of a subarea of the selectable geographic area, and receiving a selection of one or more comparison subareas. ... Mastercard International Incorporated

06/18/15 / #20150170135

Location controls on payment card transactions

Geographical location information provided by a mobile device is used as a control on the use of a payment card as described. Mobile device identification is linked to a payment card account such that when a payment card authorization request is received, information about the geographic location of the origination of the request is checked against the geographic location provided by the mobile device, and if there is a match, the transaction can further processed for authorization or directly authorized.. ... Mastercard International Incorporated

06/18/15 / #20150170127

Apparatus, method, and computer program product for estimating the potential benefit of funding a special account

Transaction data from a set of transactions is examined to identify a portion of spending in the set of transactions which is eligible for coverage by a special spending account. The set of transactions was not made with the special spending account. ... Mastercard International Incorporated

06/18/15 / #20150169839

Privacy-compliant analysis of health by transaction data

Health-related data is accessed; as is a database of payment card transaction data. At least a portion of the health-related data is linked to at least a portion of the payment card transaction data to obtain linked data. ... Mastercard International Incorporated

06/11/15 / #20150161743

System and method for automatically classifying transaction information

According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. A code book may be accessed containing a plurality of payment codes and, for each payment code, logic defining when that payment code is applicable to a payment. ... Mastercard International Incorporated

06/11/15 / #20150161742

Automatic determination of vehicle information based on transaction information

According to some embodiments, transaction information associated with payments made via a payment account (e.g., a credit card account) associated with an account owner may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine vehicle information associated with the account owner. ... Mastercard International Incorporated

06/11/15 / #20150161741

Automatic determination of periodic payments based on transaction information

According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. ... Mastercard International Incorporated

06/11/15 / #20150161705

Merchant recommendation engine method and apparatus

A system, method, and computer-readable storage medium configured to enable vendor recommendations using payment card transaction information.. . ... Mastercard International Incorporated

06/11/15 / #20150161645

Method and system for identifying optimal rewards programs

A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. ... Mastercard International Incorporated

06/11/15 / #20150161642

Method and system to track merchant loyalty and incentives via a credit card

A system and method including receiving, by a computer, an authorization request including a payment account number (pan) and an identifier of a merchant associated with a transaction, the authorization request being an authorization only type of authorization; determining whether the pan is associated with a loyalty program of the merchant based on a record of a mapped association between the pan and a unique account identifier of the merchant's loyalty program; and sending, by the computer, an authorization response in reply to the authorization request, the authorization response including a first indicator indicative of whether the transaction is authorized and a second indicator indicative of whether the pan included in the authorization request is associated with the loyalty program of the merchant.. . ... Mastercard International Incorporated

06/11/15 / #20150161638

Systems and methods for providing location-based gaming rewards

A computer-implemented method for providing an offer associated with a merchant to a cardholder engaging in a game is implemented by a gaming rewards computer system in communication with a memory. The method includes storing merchant game data for the merchant within the memory wherein the merchant game data includes data associated with a merchant game a merchant offer and a location of the merchant, receiving a game request message from a cardholder computing device associated with the cardholder wherein the game request message includes a cardholder locator identifying a location of the cardholder, providing the merchant game to the cardholder computing device when the cardholder location is within a pre-defined distance of the merchant location, receiving a game result message for the merchant game, and providing the merchant offer to the cardholder computing device based, at least in part, on the game result message.. ... Mastercard International Incorporated

06/11/15 / #20150161612

Method and system for network based dynamic cvc authentication

Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.. ... Mastercard International Incorporated

06/11/15 / #20150161610

Systems and methods for monitoring payment transactions for fraud using social media

A computer-implemented method for detecting fraudulent payment transactions performed over a payment network is provided. The method includes receiving, by a fraud monitoring device, a request to determine whether a payment transaction initiated using a payment card of a cardholder is fraudulent, wherein the request includes at least one of a merchant identifier, a merchant location, a cardholder identifier, and a transaction timestamp, associating the cardholder with a social media account based on the cardholder identifier, and receiving the social media location data from a social media computing device. ... Mastercard International Incorporated

06/11/15 / #20150161608

Systems, apparatus and methods for improved authentication

A cardholder authentication method includes receiving, at an authentication network, an authentication request involving an account. The method further includes determining, based at least in part on a portion of an account identifier associated with said account, an authentication service. ... Mastercard International Incorporated

06/11/15 / #20150161606

Method and system for assessing financial condition of a merchant

A method and a system are provided for assessing the financial condition of a merchant. The method involves retrieving from one or more databases, a first set of information including merchant aggregated payment card transaction data for a defined time period, and retrieving from one or more databases a second set of information including social media information indicative of consumer sentiment of the merchant for the defined time period. ... Mastercard International Incorporated

06/11/15 / #20150161602

Method and system for split-hashed payment account processing

Methods and systems for receiving an authorization request associated with a transaction, the authorization request including an account code; receiving a user code to associate with the account code; associating the account code and the user code together to form a payment account code; determining an account identifier corresponding to the payment account code; determining whether to map the payment account code to a primary account number (pan); mapping, in response to the determination that the payment account code is to be mapped to the pan, the payment account code to the pan to ascertain a pan corresponding to the payment account code; and sending the authorization request including the pan to be authorized.. . ... Mastercard International Incorporated

06/11/15 / #20150161599

Management of complex transactions

A method of settling a transaction comprises the following elements. First of all, a class of transactions for a merchant that create an obligation to a third party is established. ... Mastercard International Incorporated

06/11/15 / #20150161375

Methods and systems for using transaction data to authenticate a user of a computing device

An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. ... Mastercard International Incorporated

06/11/15 / #20150161366

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

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. ... Mastercard International Incorporated

06/04/15 / #20150156176

Method and system for secure transmission of remote notification service messages to mobile devices without secure elements

A method for receiving and processing a data message includes: storing at least an encryption key; receiving a data message, the data message including at an encrypted message and a message authentication code, the message authentication code generated using at least a portion of the encrypted message; generating a reference authentication code using at least a portion of the encrypted message included in the received data message; validating the received data message based on a check of the message authentication code included in the received data message against the generated reference authentication code; and decrypting the encrypted message included in the received data message using the stored encryption key to obtain a decrypted message.. . ... Mastercard International Incorporated

06/04/15 / #20150154695

Forecasting lagged current transactions based on prior transactions

An economic performance forecasting system includes computer storage configured to store payment card transaction records. A computer processor is configured to access the computer storage and determine from the stored payment card transaction records a total (ttodate) of transaction amounts for transaction records having a transaction date and a process date during a current period as of a current date. ... Mastercard International Incorporated

06/04/15 / #20150154666

Facilitating charitable donations on a banking system

Methods, apparatus and systems for automatically calculating charitable donations for donors and for distributing the charitable donations in accordance with the donors' wishes to approved and/or registered recipients, such as approved charitable organizations. In some embodiments, the method includes receiving contributor information, recipient information and donation data during a predetermined period of time, and then aggregating the donations from a plurality of contributors into a plurality of recipient contribution amounts. ... Mastercard International Incorporated

06/04/15 / #20150154627

Method and system for implementing limited use offers at point of sale devices

A method for validating limited use offers includes: storing a plurality of offer data entries, each including an offer identifier, limitations on redemption, and a use flag; receiving an offer validation request including a specific offer identifier; identifying a specific offer data entry including the specific offer identifier; generating a notification regarding the validity of the offer when a use flag indicates that the offer has not been redeemed more than a specified number of times and the limitations on redemption of the specific offer data entry are satisfied, and indicates the offer as being invalid when the use flag indicates that the offer has been redeemed more than a specified number of times or one of the limitations on redemption of the specific offer data entry are not satisfied; and transmitting the generated notification.. . ... Mastercard International Incorporated

06/04/15 / #20150154596

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

06/04/15 / #20150154595

Method and system for secure authentication of user and mobile device without secure elements

A method for generating payment credentials in a payment transaction includes: storing, in a memory, at least a single use key associated with a transaction account; receiving, by a receiving device, a personal identification number; identifying, by a processing device, a first session key; generating, by the processing device, a second session key based on at least the stored single use key and the received personal identification number; generating, by the processing device, a first application cryptogram based on at least the first session key; generating, by the processing device, a second application cryptogram based on at least the second session key; and transmitting, by a transmitting device, at least the first application cryptogram and second application cryptogram for use in a payment transaction.. . ... Mastercard International Incorporated

06/04/15 / #20150154591

Pre-transaction data exchange

A computer implemented method of obtaining account data and merchant data, the method comprising the steps of: receiving a first request message from a user device at a third party, the first request message containing proposed transaction amount data, location data and payment card data; sending a second request message to a card issuer from the third party, the second request message containing a balance inquiry and payment card data; receiving a first response message from the card issuer at the third party, the first response message containing balance data related to the balance inquiry and payment card data; interrogating a database to obtain merchant data based on the location data; and sending a second response message to the user device from the third party, the second response message containing response data, related to the balance data, and the merchant data.. . ... Mastercard International Incorporated

06/04/15 / #20150154590

Method and system for leveraging transaction data to facilitate merchant operations

A method and system for facilitating merchant operations is provided. The method includes receiving payment transaction data associated with a plurality of payment transactions. ... Mastercard International Incorporated

05/28/15 / #20150149465

Method and system for integrating vehicle data with transaction data

A method for linking vehicle data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a vehicle profile, wherein the vehicle profile includes vehicle data associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the vehicle data included in the received vehicle profile.. . ... Mastercard International Incorporated

05/28/15 / #20150149356

Method and system for authenticating cross-border financial card transactions

A method for scoring a cross-border transaction includes: storing a consumer profile, the consumer profile including data related to a consumer including an account identifier corresponding to a payment account associated with the related consumer and a device identifier corresponding to a computing device associated with a first country; receiving a data file originating from the computing device, the data file including the device identifier and an indication of the computing device being located in a second country; receiving an authorization request for a cross-border payment transaction, the authorization request originating from the second country and including the account identifier; identifying a fraud score based on at least one fraud rule and based on at least the received indication of the computing device being located in the second country; and transmitting the authorization request and the identified fraud score for approval or denial of the cross-border payment transaction.. . ... Mastercard International Incorporated

05/28/15 / #20150149332

Systems and methods for monitoring cardholder return activity

A computer-implemented method for monitoring cardholder return activity associated with cardholder transactions is implemented by a monitoring computer system coupled to a memory. The method includes receiving a set of first transaction data associated with a first transaction initiated by a cardholder at a merchant, determining that the first transaction is a first return transaction including a set of first return transaction data, retrieving a return record associated with the cardholder, wherein the return record is stored within the memory, and updating the return record associated with the cardholder with the set of first return transaction data.. ... Mastercard International Incorporated

05/28/15 / #20150149264

Method and system for generating parking meter alert notifications

A method for providing parking meter alert notifications includes: storing a plurality of parking rate data entries, each entry including data related to a parking meter including at least a point of sale identifier associated with the related parking meter and a timing rate; receiving transaction data for a payment transaction associated with a specific parking meter, wherein the transaction data includes at least a specific consumer identifier, a transaction amount, a specific point of sale identifier associated with the specific parking meter, and a transaction time; identifying a specific parking rate data entry where the included point of sale identifier corresponds to the specific point of sale identifier; identifying an expiration time based on the transaction time, the transaction amount, and the timing rate included in the identified specific parking rate data entry; and transmitting an alert notification to a consumer based on the specific consumer identifier.. . ... Mastercard International Incorporated

05/28/15 / #20150149253

Method and system for integrating device data with transaction data

A method for linking device data to transaction history includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a device profile, wherein the device profile includes device data corresponding to a consumer device and a plurality of demographic characteristics associated with a consumer associated with the corresponding consumer device; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating each of the identified at least one consumer profile with the device data included in the received device profile.. . ... Mastercard International Incorporated

05/28/15 / #20150149251

Method and system for integrating phone numbers with transaction data

A method for linking phone data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a phone profile, wherein the phone profile includes at least a phone number associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the phone number included in the received phone profile.. . ... Mastercard International Incorporated

05/28/15 / #20150149244

Method and system for integrating biometric data with transaction data

A method for linking biometric data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a biometric profile, wherein the biometric profile includes biometric data associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the biometric data included in the received biometric profile.. . ... Mastercard International Incorporated

05/28/15 / #20150149243

Method and system for distributing consumer analytics to a point of sale device

A method for distributing consumer analytics to a point-of-sale device includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer, a plurality of consumer characteristics, and a plurality of transaction data entries, each entry corresponding to a payment transaction involving the related consumer and including transaction data; receiving a consumer profile request, the request including a specific consumer identifier and one or more requested consumer metrics; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; calculating the requested consumer metrics for the consumer related to the specific consumer profile based on the transaction data included in the plurality of transaction data entries included in the specific consumer profile; and transmitting the consumer characteristics included in the specific consumer profile and the calculated consumer metrics in response to the request.. . ... Mastercard International Incorporated

05/28/15 / #20150149204

Method and system for integrating medical data with transaction data while maintaining consumer privacy

A method for linking medical data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a medical profile, wherein the medical profile includes medical data associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the medical data included in the received medical profile.. . ... Mastercard International Incorporated

05/21/15 / #20150142668

Apparatus and method for using a device conforming to a payment standard for access control and/or secure data storage

Secure establishment of a key associated with a first facility identifier is facilitated. The key is shared between a device and an operator of a first facility, via a public key management infrastructure of a payment system operating according to the payment standard, during a first transaction, substantially in accordance with the payment standard, between the device and the first facility. ... Mastercard International Incorporated

05/21/15 / #20150142657

Linking physical card to virtual card account method and apparatus

A system, method, and computer-readable storage medium configured to enable a cardholder to perform a financial transaction with virtual payment card when presenting a linked physical payment card.. . ... Mastercard International Incorporated

05/21/15 / #20150142656

Systems and methods for integrating an environmental impact offset with a payment card usage program

A computer-implemented method for generating environmental impact offsets for payment card transactions is described. The method implemented using a computing device in communication with a memory. ... Mastercard International Incorporated

05/21/15 / #20150142655

Methods, systems and computer readable media for apportioning a payment card authorization request among a plurality of issuer entities

Methods, systems, and computer readable media for apportioning a payment card authorization request among a plurality of issuer entities are disclosed. In one example, the method includes the method includes receiving a payment card authorization request associated with a master access card account for a specified monetary amount and apportioning the specified monetary amount into a plurality of monetary amounts in accordance with predefined allocation data associated with the master access card account. ... Mastercard International Incorporated

05/21/15 / #20150142651

Internet service provider (isp) authentication of ecommerce transactions

The present disclosure provides internet service provider (isp) authentication of ecommerce transactions, more particularly, a method and system of associating an isp recognition identification (id) with a cashless payment account. A system, method, and software product are provided for fraud prevention in the field of cashless payment account transactions. ... Mastercard International Incorporated

05/21/15 / #20150142593

System and method for point-of-sale electronic receipt storage

There is provided a system and a method for the storage of point-of-sale (pos) electronic transaction (e.g., payment transaction or loyalty-based transaction) receipts. The system and method include an electronic storage device having one or more databases of point-of-sale (pos) generated transaction receipt data stored therein, an access path for allowing access to the pos generated transaction receipt data; and a processor for assembling the pos generated transaction receipt data in the one or more databases and for providing the assembled pos generated transaction receipt data to one or more entities that have been granted access to the one or more databases. ... Mastercard International Incorporated

05/21/15 / #20150142592

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

There is provided a system and a method for the generation and management of point-of-sale (pos) electronic payment transaction receipts. The system and method include a pos component that performs a transaction at a location at which a customer and the pos component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. ... Mastercard International Incorporated

05/21/15 / #20150142575

Method and system for targeted advertising on clothing

A method for displaying targeted content on an article of clothing includes: storing a plurality of consumer profiles, each consumer profile including a consumer identifier and consumer behavioral data; storing a plurality of content profiles, each content profile including data related to a visual content item including one or more selection criteria; reading payment card data corresponding to a payment card associated with a specific consumer, the payment card data including a specific consumer identifier associated with the specific consumer; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; identifying a specific content profile based on the one or more selection criteria and the consumer behavioral data included in the identified specific consumer profile; and transmitting the visual content item included in the identified specific content profile for display on an article of clothing directed toward the specific consumer.. . ... Mastercard International Incorporated

05/21/15 / #20150142561

Method and system for delivery of content based on data captured through transit payments

A method for distributing targeted content includes: storing content profiles, each including a content item and selection criteria; storing account profiles, each including data related to an account including an account identifier and transaction data entries including transaction data corresponding to a transaction involving the account; storing consumer profiles, each including an account number and transit identifier; receiving a transaction notification corresponding to a transportation transaction involving a consumer and including a specific transit identifier; identifying a specific consumer profile where the included transit identifier corresponds to the specific transit identifier; identifying a specific account profile where the account identifier corresponds to the account number of the specific consumer profile; identifying a specific content profile based on the included selection criteria and the transaction data of the transaction data entries of the specific account profile; and transmitting the content item of the specific content profile for distribution to the consumer.. . ... Mastercard International Incorporated

05/21/15 / #20150142550

Systems and methods for aggregating consumer activity in a rewards program

A computer-implemented method for aggregating consumer activity in a loyalty reward program is described. The method implemented using a computing device in communication with a memory. ... Mastercard International Incorporated

05/21/15 / #20150142546

Method and system for processing a discount

A computer-implemented method for processing a discount is described. The method is implemented using a payment processor computing device associated with a payment network. ... Mastercard International Incorporated

05/21/15 / #20150142515

Methods, systems and computer readable media for determining a relational strength index associated with a plurality of merchant entities

Methods, systems, and computer readable media for determining a relational strength index between merchant entities are disclosed. In one example, the method includes applying at least one data filter to stored customer transaction data to produce relevant customer transaction data associated with a first merchant entity. ... Mastercard International Incorporated

05/21/15 / #20150142514

System and method for payment transaction receipt management

There is provided a system and a method for payment transaction receipt management. The system and method include an electronic storage device having one or more databases of payment transaction receipt data stored therein; an access path for allowing access to the payment transaction receipt data; and a processor for assembling the payment transaction receipt data in the one or more databases and providing the assembled payment transaction receipt data to one or more entities that have been granted access to the one or more databases. ... Mastercard International Incorporated

05/21/15 / #20150141063

Systems and methods for providing notifications in a communications system

The present disclosure relates to systems and methods for providing notifications in a communication system. In connection therewith, a first communication is transmitted, by a processor, in accordance with a first communication scheme that defines a first communication service by which the first communication is to be transmitted and a first user device to which the first communication is to be transmitted. ... Mastercard International Incorporated

05/21/15 / #20150136848

Systems and methods for authorizing access to facilities

Systems and methods are provided for authorizing access to facilities. In connection therewith, a first request comprising data indicative of a card number is received at a first node. ... Mastercard International Incorporated

05/07/15 / #20150127548

Method and system for generating one-to-one merchant offers

A method for discounting a payment transaction includes: storing, in a memory, transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving, by a receiving device, payment data submitted for payment for the payment transaction, wherein the payment data includes at least a consumer identifier corresponding to a consumer and payment information; receiving, by the receiving device, offer data, wherein the offer data includes an offer identifier corresponding to the consumer and a transaction modifier; encrypting, using a predetermined encryption key, the consumer identifier to obtain an encrypted consumer identifier; and updating, in the memory, the transaction amount included in the transaction data based on the transaction modifier if the encrypted consumer identifier corresponds to the offer identifier.. . ... Mastercard International Incorporated

05/07/15 / #20150127536

Method and system of utilizing mobile phone as locator to manage card acceptance

A financial transaction method that includes receiving at a geolocation authentication module, a request from a managing computer system storing data associating identification information of individual mobile devices with individual payment card accounts, the request originating from a merchant and includes data identifying the geographic origin of the request for authorization against the payment card account of the customer; identifying a mobile device associated with the payment card account against which the request for authorization has been received; requesting data identifying a current geographic location of the at least one mobile device associated with the payment card account from a mobile device service provider, the mobile device service provider storing data identifying the current geographic location of the mobile device associated with the payment card account; and receiving, from the mobile device service provider, the data identifying the geographic location of the mobile device associated with the payment card account.. . ... Mastercard International Incorporated

05/07/15 / #20150127535

Posting real-time payment card authorization process data to social media site

A social media location posting system a payment card transaction authorization processor and a location posting service processor. The payment card transaction authorization processor is configured to receive over a network a payment card transaction authorization request for a cardholder and store in a computer storage file associated with the cardholder payment card transaction data included in the authorization request. ... Mastercard International Incorporated

05/07/15 / #20150127475

Systems and methods of voice authentication in transactions

There is provided a method of authenticating data, comprising the following elements. Firstly, a voice biometric system is trained to identify a user from a message spoken by the user. ... Mastercard International Incorporated

05/07/15 / #20150127457

System and method for card-linked services

A system and method are disclosed for providing a promotion associated with a transaction account. Target viewer information associated with at least one person targeted to receive an ad is identified. ... Mastercard International Incorporated

05/07/15 / #20150127452

System and method for card-linked services

A system and method are disclosed for providing a promotion associated with a transaction account. Advertising targeting criteria to target at least one person to receive a respective advertisement for the promotion is submitted to a computing device associated with a data management platform. ... Mastercard International Incorporated

05/07/15 / #20150127450

Method and system for automated detection of can-spam violations by merchants and acquirers

A method for associating a merchant account with violating activity includes: storing a plurality of merchant profiles, each profile including at least a merchant identifier; receiving a uniform resource locator or hyperlink captured from distributed electronic content that is identified as being in violation of a rule or regulation; navigating, via a browsing application program, to a webpage via the received uniform resource locator or hyperlink; initiating a payment transaction for the purchase of goods or services via the webpage; receiving an authorization request for the payment transaction, wherein the authorization request includes at least a merchant identification; transmit an authorization response in response to the received authorization request; identifying, in the database, a specific merchant profile where the included merchant identifier corresponds to the merchant identification; and indicating, in the database, the specific merchant profile as being in violation of the rule or regulation.. . ... Mastercard International Incorporated

05/07/15 / #20150127441

System and method for card-linked services

A system and method are disclosed for applying a rebate or promotion associated with a transaction account. Offer information representing an offer for a promotion or rebate provided to a purchaser is received, and at least some of the offer information is processed to associate the purchaser with at least one transaction account. ... Mastercard International Incorporated

05/07/15 / #20150127394

Method and system for express digital payments in restaurants

A method for making an enhanced restaurant reservation includes: storing at least one payment profile, wherein each of the at least one payment profile includes data related to a payment account including at least a payment account number corresponding to the related payment account; displaying a list of a plurality of restaurants; receiving an indication of a specific restaurant of the plurality of restaurants; identifying a plurality of enhanced reservation options associated with the specific restaurant; displaying, by the display device, the identified plurality of enhanced reservation options; receiving at least a reservation time and/or date and at least one user reservation option corresponding to the identified plurality of enhanced reservation options; and transmitting at least a reservation identifier, the received reservation time and/or date, and the received at least one user reservation option.. . ... Mastercard International Incorporated

05/07/15 / #20150124965

Document with verification data

Disclosed herein is a method of generating a document comprising verification data, the method comprising: obtaining data for inclusion on a document, wherein the obtained data includes verification data; encrypting the verification data; generating a machine readable code comprising the encrypted verification data; and generating a document comprising both the obtained data in a non-encrypted form and the machine readable code. Advantageously, an entity that is required to verify the document can decrypt the machine readable code to obtain the verification data. ... Mastercard International Incorporated

04/30/15 / #20150121411

System and method for facilitating interaction via an interactive television

A method of providing interaction options to a user of a device is described. The device is capable of receiving broadcast content from a broadcaster and content via a network. ... Mastercard International Incorporated

04/30/15 / #20150121405

System and method for disseminating functionality to a target device

A method of disseminating a digital wallet to a target device is described. The method comprises searching, with a searching device, on a local network for the target device, and pushing the digital wallet to the target device.. ... Mastercard International Incorporated

04/30/15 / #20150120584

Method and system for validating rent data for a real property location

A computer-implemented method for validating rent data associated with a real property location is described. The method is implemented using a validation computing device in communication with a memory. ... Mastercard International Incorporated

04/30/15 / #20150120547

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

04/30/15 / #20150120521

Generating social graphs using coincident payment card transaction data

The present disclosure relates to a method and a system for generating social graphs using payment card transaction data. The method involves retrieving, by a financial transaction processing entity, information from one or more databases. ... Mastercard International Incorporated

04/30/15 / #20150120384

Systems and methods for credit card demand forecasting using regional purchase behavior

A computer-implemented method and system for forecasting a demand for a credit-based payment card implemented using a demand forecasting computer device coupled to a memory device. The method includes retrieving financial transaction data for a plurality of payment card cardholders acquired by the demand forecasting computer device and stored in the memory device, determining variables in the financial transaction data that predict the demand for a credit-based payment card using an independent variables generation engine, integrating the retrieved financial transaction data, economic data received from sources external to the demand forecasting computer device, and data relating to new payment card cardholders based on the determined variables, generating a prediction of the demand for credit in a selectable geographic area using a cross-sectional model of the integrated data and the determined variables, and outputting the prediction.. ... Mastercard International Incorporated

04/23/15 / #20150113566

Method and apparatus for interaction via television system

A method of providing user interaction with third parties through an electronic programme guide for a television receiver is described. Either the television receiver or computing equipment local to the television receiver and in communication with it comprises a system for assembling an electronic programme guide. ... Mastercard International Incorporated

04/23/15 / #20150113024

Generating social graphs using coincident geolocation data

The present disclosure provides a method and a system for generating social graphs using coincident geolocation data. In particular, a method is provided in which an entity retrieves information from one or more databases. ... Mastercard International Incorporated

04/23/15 / #20150112879

Systems and methods for evaluating pricing of real estate

A computer-implemented method for evaluating pricing of real estate is implemented by a computing device coupled to a memory. The method includes storing within the memory a plurality of rental data sets wherein each rental data set is associated with a geographic region and wherein each rental data set includes actual rental payment amounts made by tenants using a payment card, receiving a rental data request associated with at least one real estate asset having a physical location, from a requestor, retrieving at least one of the rental data sets associated with a geographic region containing the physical location of the at least one real estate asset, processing the rental data set into a financial assessment associated with the at least one real estate asset, and transmitting the financial assessment to the requestor.. ... Mastercard International Incorporated

04/23/15 / #20150112872

System and method for guided passcode entry

Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret pin or passcode entry systems by generating a randomized input sequence (order of entry) and prompting the user to input the passcode according to the randomized input sequence. ... Mastercard International Incorporated

04/23/15 / #20150112869

Methods and systems for use in online transactions

A method of enabling the creation of a wallet entry in a digital wallet, wherein the wallet entry is for use in completing online transactions. The method comprises associating a local device with a network portal, using the local device to obtain card data relating to a card, encrypting the card data on the local device, and transmitting the encrypted card data from the local device to a remote server by means of the network portal. ... Mastercard International Incorporated

04/23/15 / #20150112802

Method and system for delivering targeted messages based on tracked transaction data

A card (e.g., a payment card such as a credit card, debit card, gift card, or any other electroncially readable card) of a user is electronically read at an automated teller machine (atm), to determine card data identifying an account of the user. Based on the card data, a promotional message is automatically selected (e.g., by a computer processor) from a database comprising a plurality of promotional messages. ... Mastercard International Incorporated

04/23/15 / #20150112781

Method and system for processing of a real-time rebate at transaction authorization

Systems and methods for processing payment transactions involving reward accounts are disclosed. One exemplary method includes receiving an authorization request for a payment transaction involving a reward account. ... Mastercard International Incorporated

04/23/15 / #20150112780

Method and system for processing of a real-time rebate at transaction authorization

A method for initiating a rebate for a payment transaction funded using a reward account includes: storing account data entries, each entry including an account identifier and reward balance; receiving an authorization request for a transaction involving a merchant, the request including payment information and a transaction amount; calculating a transaction reward value based on the transaction amount and a conversion rule; identifying a reduction amount, wherein the amount is a lesser of the transaction reward value and the reward balance included in a data entry where the account identifier corresponds to the payment information; updating the reward balance included in the data entry based on the identified reduction amount; calculating a rebate amount based on the transaction reward value and reduction amount, and the conversion rule; and transmitting a rebate request for the rebate amount from an account of the merchant to an account corresponding to the payment information.. . ... Mastercard International Incorporated

04/16/15 / #20150106301

Predictive modeling in in-memory modeling environment method and apparatus

A system, method, and computer readable storage medium configured to model large amounts of data in an in-memory modeling environment.. . ... Mastercard International Incorporated

04/16/15 / #20150106244

Systems and methods for associating related merchants

A computer-implemented method for associating a merchant with an aggregate merchant uses a computing device having a processor and a memory. The method includes identifying an association rule for the aggregate merchant, including one or more antecedents. ... Mastercard International Incorporated

04/16/15 / #20150106233

Method and system for purchasing of goods and services via image recognition

A method for facilitating an image-based transaction includes: capturing, by a first input device, an image of a product to be sold; receiving, by a second input device, product data corresponding to the product to be sold; identifying, by a processing device, a transaction identifier; encoding, by the processing device, the captured image with at least the identified transaction identifier; adding, to the encoded image, an indication of availability of the product to be sold such that user interaction with the encoded image will initiate a payment transaction for the product to be sold based on at least the encoded transaction identifier; and transmitting, by a transmitting device, at least the received product data, the identified transaction identifier, and the encoded image including the indication of availability.. . ... Mastercard International Incorporated

04/16/15 / #20150106217

Virtual pos system and method

The present invention relates to a token device for securely executing a data transaction. The token device comprises: a secure element; a web server module configured within the secure element and arranged to transmit data messages over a network; a terminal application module configured within the web server module; and an application module configured within the secure element. ... Mastercard International Incorporated

04/16/15 / #20150106176

Method and system to assess finder's fee for customer traffic at a merchant location

A method for assessing a finder's fee for directing merchant traffic includes: transmitting, by a transmitting device, offer data related to an offer for the purchase of goods or services to a mobile communication device, wherein the related offer is associated with a merchant; receiving, by a receiving device, an indication that a user of the mobile communication device viewed the transmitted offer data; receiving, by the receiving device, an indication that the mobile communication device was located at a geographic location associated with the merchant within a predetermined period of time of the viewing of the transmitted offer data by the user of the mobile communication device; generating, by a processing device, an authorization request for a payment transaction for a finder's fee to be paid by the merchant; and transmitting, by the transmitting device, the authorization request.. . ... Mastercard International Incorporated

04/16/15 / #20150106173

Method and system for card link filtering

A method for providing transaction details for payment transactions indicative of offer redemption includes: receiving an offer listing including at least one merchant offer entry, wherein each entry includes an offer identifier and an indication of a valid merchant with which a corresponding offer for goods or services may be redeemed; receiving an offer linking notification including a consumer identifier and an indication of a selection of an offer corresponding to a specific merchant offer entry by a consumer associated with the consumer identifier; identifying a merchant identifier, wherein the merchant identifier corresponds to the valid merchant indicated in the specific merchant offer entry; storing a transaction processing rule, the rule including the identified merchant identifier and the consumer identifier; and transmitting transaction details for a payment transaction included in an authorization request, wherein the authorization request further includes at least the identified merchant identifier and the consumer identifier.. . ... Mastercard International Incorporated

04/16/15 / #20150106137

Enhanced content delivery systems and methods

A method of distributing an offer to a user, the method being implemented on a processor, and the method comprising: receiving information associated with the user; receiving information associated with travel plans of the user; determining an offer from a database comprising a plurality of offers, wherein each of the plurality of offers comprises an offer identifier, and wherein the offer is determined based on the information associated with the user and the information associated with the travel plans; providing the offer identifier associated with the determined offer to the user.. . ... Mastercard International Incorporated

04/09/15 / #20150100481

Apparatus, method, and computer program product for tender type scaling using an on-line bill payment platform

Access is obtained to a database of transactions in an electronic bill payment system connecting a plurality of customers with a plurality of billers. At least some of the billers are payment card issuers. ... Mastercard International Incorporated

04/09/15 / #20150100420

Method and system for making a target offer to an audience using audience feedback

A method for real-time ranking of offers for consumer distribution includes: storing a plurality of offer data entries, each entry including an offer identifier and offer data; storing a consumer profile, the profile including data related to a consumer including a consumer identifier and consumer characteristics; storing a plurality of distribution data entries, each entry including data related to an offer previously distributed to the consumer including an offer identifier, offer data, and indication of at least one of: receipt, viewing, and acceptance of the offer; identifying a ranking of the offer data entries based on the respective included offer data, the consumer characteristics, and the offer data and indication included in each of the distribution data entries; and transmitting the offer data included in at least one of the offer data entries based on the rank to a computing device associated with the consumer.. . ... Mastercard International Incorporated

04/09/15 / #20150100383

Method and system to measure customer traffic at a merchant location

A method for measuring consumer traffic at a merchant location includes: storing, in a database, a consumer profile, wherein the consumer profile includes data related to a consumer including at least a device identifier corresponding to a mobile communication device associated with the related consumer; receiving, by a receiving device, a plurality of location data entries, wherein each location data entry includes at least a time and/or date at which the associated mobile communication device is identified as being located at a specific geographic location associated with a merchant; calculating, by a processing device, at least one traffic metric for the consumer and the specific geographic location based on the time and/or date included in each of the received plurality of location data entries; and associating, in the database, the consumer profile with the received plurality of location data entries and the calculated at least one traffic metric.. . ... Mastercard International Incorporated

04/02/15 / #20150095944

Television advertising message targeting according to subscriber purchasing behavior

A targeted television advertising system includes a modeling processor and an identification processor. The modeling processor is configured to model purchasing behavior of a selected television service subscriber using a payment card transaction database. ... Mastercard International Incorporated

04/02/15 / #20150095232

Transaction systems and associated methods for enhanced account balance and status management

A computer implemented method of performing a transaction using a payment account, typically handled by a payment account manager (pam), comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the payment account based on information in the first message; receiving an authorisation or pre-authorisation request from a first terminal and commencing a funds aggregation; receiving a second message indicating a pre-defined amount of funds which may be used in the transaction; blocking an amount of the funds limit of the payment account equivalent to the pre-defined amount; and sending an authorisation response to the first terminal. As a result, the pam can send data to indicate that a card associated with the payment account is not fit for travel. ... Mastercard International Incorporated

04/02/15 / #20150095227

Method and system for denying payment authorization requests associated with fraud

A computer-implemented method for denying a payment authorization request associated with fraud is described. Additionally, a computing device for denying a payment authorization request associated with fraud is described. ... Mastercard International Incorporated

04/02/15 / #20150095225

Enabling synchronization between disparate payment account systems

Systems and methods that synchronize consumer accounts between disparate payment account systems. In some embodiments, a payment network receives an authorization request for a consumer transaction from a merchant acquirer processor including original payment credentials. ... Mastercard International Incorporated

04/02/15 / #20150095224

Customised interaction with computer equipment

A method of customised interaction with computer equipment is described. The computer equipment comprises a processor, a display, a memory and a user input means. ... Mastercard International Incorporated

04/02/15 / #20150095204

Processes and systems for recovering refundable taxes

The present disclosure relates to systems for recovering refundable taxes. The system includes a claims interface processor for an electronic device. ... Mastercard International Incorporated

04/02/15 / #20150095203

Method and system for detection of anomalies in a merchant cash payment flow

A method and system of detecting anomalies in cash flow to and from a merchant includes receiving records from sources of cash flow to and records of deposits of cash flow from the merchant. The records of cash flow to the merchant are preferably provided from external sources independent of the merchant operations. ... Mastercard International Incorporated

03/26/15 / #20150088798

Detecting behavioral patterns and anomalies using metadata

A method and a system are provided that include retrieving, from one or more databases, a first set of information including metadata of electronic communications of one or more entities, and retrieving, from one or more databases, a second set of information including metadata of telecom communications of the one or more entities. The method and system also include analyzing the metadata of the electronic communications and the metadata of the telecom communications to determine one or more interconnection associations of the one or more entities, and identifying activities and characteristics attributable to the one or more entities based on the one or more interconnection associations. ... Mastercard International Incorporated

03/26/15 / #20150088752

Methods, apparatus, systems and computer readable mediums for anonymized identification of payment card accounts belonging to a same entity

In one embodiment, a method includes receiving, by a processing device, data representing a plurality of payment card transactions made in association with payment card accounts, the data including personally identifiable information; anonymizing, by a processing device, the data by hashing the personally identifiable information; determining, by a processing device, a plurality of the payment card accounts that belong to a same entity based on the hashed personally identifiable information without decoding the hashed personally identifiable information to recover the personally identifiable information; and identifying, by a processing device, the determined plurality of payment card accounts as belonging to the same entity.. . ... Mastercard International Incorporated

03/26/15 / #20150088745

Account identification

A method of account identification is performed on suitably programmed computing apparatus. An account number comprising a plurality of numeric characters is assigned to an account. ... Mastercard International Incorporated

03/26/15 / #20150088738

Transaction systems, and related methods

A portable device configured to enable completion of transactions. The portable device comprises an input mechanism arranged to enable input of an identifier into the portable device, and a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier. ... Mastercard International Incorporated

03/26/15 / #20150088735

Chip card deployment driven by travel itinerary method and apparatus

A system, method, and computer-readable storage medium to issue chip-enabled payment cards to cardholders based on their propensity to travel to locations where the use of chip is dominant.. . ... Mastercard International Incorporated

03/26/15 / #20150088734

Wireless utility meter reading system and method

A wireless meter reading system and method are provided to facilitate billing a consumer for utility usage. The method comprises providing a camera or imaging device optionally coupled to a utility meter at a consumer site. ... Mastercard International Incorporated

03/26/15 / #20150088730

Inbound integrated production messages transaction file splitter

A payment card transaction clearing system includes a payment card network. A file distribution system coupled to the payment card network includes a split processor configured to receive a batch of payment card transaction records from the payment card network, and split the batch of payment card transactions into one or more split files according to one or more processing agreements. ... Mastercard International Incorporated

03/26/15 / #20150088643

Method and system for linking social data instantaneously to purchase transactions

A method for generating a social network message linked to a payment transaction includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier, social network identifier, device identifier, and preferences; receiving an authorization request for a payment transaction, the request including transaction data and a specific consumer identifier; identifying a specific consumer profile wherein the included consumer identifier corresponds to the specific consumer identifier; generating a social network message, the message including the transaction data and the social network identifier included in the specific consumer profile and generated pursuant to the preferences included in the specific consumer profile; transmitting the social network message to a computing device corresponding to the device identifier included in the specific consumer profile; receiving an indication of approval of the social network message; and transmitting the social network message to a social network for publishing.. . ... Mastercard International Incorporated

03/26/15 / #20150088642

Intelligent shopping cart service

Disclosed are methods, apparatus and systems for providing an intelligent shopping cart service that operates to alert a consumer when a product or service is not aligned with the consumer's preferences, criteria or requirements before a purchase transaction is consummated. In some embodiments, a consumer device includes a processor that stores intelligent shopping cart software in a memory, and that uses the intelligent shopping cart software to detect product or service identification data when a consumer adds a product or service to a shopping cart. ... Mastercard International Incorporated

03/26/15 / #20150088290

Systems and methods for generating physical payment cards

A computer-based method for generating a physical payment card for a consumer is provided. The method is implemented using a computer device including a processor. ... Mastercard International Incorporated

03/26/15 / #20150084785

Wireless utility meter reading system and method

A wireless meter reading system and method are provided to facilitate billing a consumer for utility usage. The wireless meter reading system comprises: (a) at least one utility meter; (b) at least one camera or imaging device optionally coupled to the at least one utility meter, wherein the at least one camera or imaging device operates to provide wireless meter reading image(s) of the utility meter from time to time, and wherein the wireless meter reading images comprise utility usage data and identifying data of the utility meter; (c) a power source coupled to the camera or imaging device; (d) a communication device for wirelessly receiving the meter reading images from the camera or imaging device; and (e) a wide area connection with the communication device for communicating the meter reading images to a central location.. ... Mastercard International Incorporated

03/19/15 / #20150081666

Systems and methods for optimizing database queries

A computer-based method for optimizing database queries is provided. The method uses a server computer device including a processor communicatively coupled to a database. ... Mastercard International Incorporated

03/19/15 / #20150081561

Multi-party transaction payment network bridge apparatus and method

A system, method, and computer-readable storage medium configured to enable commodity voucher transactions.. . ... Mastercard International Incorporated

03/19/15 / #20150081549

Methods and systems for screening electronic money transfer transactions

A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution. ... Mastercard International Incorporated

03/19/15 / #20150081546

Systems and methods for authentication of an entity

A method and system for remote authentication of a first entity by a second entity is provided. The method involves the second entity conveying at least a registration web link to the e-mail address of a first entity; processing a transaction amount on a payment card of the first entity using the payment card number of the first entity; and processing at least two (2) payment card refund transaction amounts on a payment card acceptance account of the first entity. ... Mastercard International Incorporated

03/19/15 / #20150081537

Apparatus, method, and computer program product for data cleansing and/or biller scrubbing

A dropped payment file is obtained at a computing device of an operator of an electronic funds transfer bill payment system from a client of such system. The dropped payment file includes data associated with at least one unsuccessful attempt to match payment data to a corresponding biller. ... Mastercard International Incorporated

03/19/15 / #20150081536

Demand deposit account payment system

A method and system for processing dda payment transactions including generating a private virtual identifier, associating the private virtual identifier with a dda, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a dda payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the dda payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. ... Mastercard International Incorporated

03/19/15 / #20150081432

Targeted vendor offers for travelers

A system, method, and computer-readable storage medium target payment cardholders with offers based on their propensity to travel.. . ... Mastercard International Incorporated

03/19/15 / #20150081387

Method and system for identifying influencers from payment data

A method for identifying a trendsetting consumer includes: storing transaction entries, each entry including a consumer identifier, transaction date, and transaction characteristics each having a characteristic value; receiving two trend identifiers, each trend identifier including a trend date and transaction characteristic value and is associated with a specific trend; identifying a trending consumer where a first transaction entry includes a transaction date corresponding to the trend date and a transaction characteristics having a characteristic value corresponding to the transaction characteristic value of one of the two identified trends, a second transaction entry includes a transaction date corresponding to the trend date and a transaction characteristics having a characteristic value corresponding to the transaction characteristic value of another one of the two identified trends, and the first and second transaction entries include a common consumer identifier associated with the trending consumer; and associating the trending consumer with the specific trends.. . ... Mastercard International Incorporated

03/12/15 / #20150074415

Image verification by an electronic device

A method for verifying an image by a first electronic device, the method comprising the first electronic device: sending a request for an image to a second electronic device, wherein the second electronic device is remote from the first electronic device and, optionally, a server; receiving an image and a certificate from the second electronic device, wherein the certificate comprises a protected checksum of at least the image; generating a checksum in dependence on at least the received image; performing a comparison in dependence on said generated checksum and the protected checksum received in the certificate; and verifying the received image in dependence upon the comparison. Advantageously, the first electronic device is able to verify each received image and to prevent the display of any received images that are not authenticated. ... Mastercard International Incorporated

03/12/15 / #20150073990

Electronic transaction method

Disclosed herein is a method of transferring information in an electronic transaction between a first entity and a second entity. The method comprises: sending, by a first system 101 of the first entity, information relating to the transaction to an administrating system 102, wherein the information is transferred as a pre-payment operation; transferring by the administrating system 102, in dependence on a determination that the transaction is authorised, the received information from the first system 101 to a second system 103, wherein the second system 103 is a system of the second entity and the information is transferred as a pre-payment operation; wherein, the first system 101 is located in a first country and the second system 103 located in a second country such that the transaction is a cross-border transaction.. ... Mastercard International Incorporated

03/12/15 / #20150073988

Methods and systems of facilitating payments on a payment card network

Methods and systems are provided for processing a transaction requesting payment of a first amount to a recipient. An exemplary method is performed at a network node of the system and comprises: identifying at least one payment parameter associated with the transaction; determining, in accordance with the at least one payment parameter, a plurality of account numbers associated with the transaction; and for each of the determined account numbers: determining a respective payment amount and a respective payment provider associated with the account number; and transmitting, to the determined payment provider, a subsequent request for payment of the determined payment amount.. ... Mastercard International Incorporated

03/12/15 / #20150073913

System and method of identifying and sending content

A system, method, and computer-readable storage medium configured to locate and send content to a consumer based on the consumer's interest in certain products or services.. . ... Mastercard International Incorporated

03/12/15 / #20150073906

Method and system for optimizing location-based targeted ads served on a moble device

A method for distributing an optimized offer to a mobile communication device includes: storing a plurality of offer data entries, each offer data entry including offer data and an offer location; storing a consumer profile, the consumer profile including historical geographic location data of a mobile communication device associated with the related consumer; receiving a geographic location of the associated mobile communication device; identifying at least one inferred future geographic location for the associated mobile communication device based on the received geographic location and the historical geographic location data; identifying at least one offer data entry where the included offer location corresponds to one of the identified at least one inferred future geographic location; and transmitting the offer data included in the identified at least one offer data entry to the associated mobile communication device.. . ... Mastercard International Incorporated

03/12/15 / #20150073869

Systems and methods for predicting consumer behavior

Systems and processes are described for providing improved understanding of cardholder purchasing behavior, and/or for providing improved predictions of future consumer needs. In some embodiments, the payment card account receipts of panel respondents are matched to their survey question responses and processed to generate actual spending behavior data, which may then be analyzed to generate one or more predictions concerning future consumer spending behavior. ... Mastercard International Incorporated

03/12/15 / #20150073863

Method and system for linking browsing history to proprietary transaction data

A method for linking browsing data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer demographic characteristics and a plurality of transaction data entries across a plurality of merchants, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, browsing data, wherein the browsing data includes webpage browsing history and a plurality of browser-associated demographic characteristics; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer demographic characteristics correspond to the plurality of browser-associated demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the webpage browsing history included in the received browsing data.. . ... Mastercard International Incorporated

03/05/15 / #20150067114

Systems and methods for resolving data inconsistencies between domain name systems

In one aspect, a computer-implemented method for managing domain name system (dns) information is provided. The method uses a computing device having a processor and a memory. ... Mastercard International Incorporated

03/05/15 / #20150066777

Value add service for mobile point of sale

The present invention provides a method and system for validating the authenticity of products in which a known payment network infrastructure is used to convey messages for applications other than effecting financial transactions. In particular, the invention provides a method of allocating an identification number to a product manufacturer that may be processed in the same manner as a personal account number (pan). ... Mastercard International Incorporated

03/05/15 / #20150066768

Methods and systems for verifying cardholder authenticity when provisioning a token

A computer-implemented method for verifying cardholder authenticity when provisioning a token is provided. The method uses an authentication server system having a processor and a memory. ... Mastercard International Incorporated

03/05/15 / #20150066757

Method and system for instant delivery of virtual gift card on mobile platform

A method for processing a gift card request includes: receiving, by a receiving device, a gift card request, wherein the gift card request includes at least a merchant identifier, a gift amount, a payment account identifier, and a recipient; processing, by a processing device, a payment transaction for the gift amount from a payment account associated with the payment account identifier to a merchant account associated with the merchant identifier; identifying, by the processing device, a gift card number; associating, in a database, the identified gift card number with the merchant identifier and the gift amount such that payment transactions involving the identified gift card number are charged to the merchant account; and transmitting, by a transmitting device, the identified gift card number to the recipient.. . ... Mastercard International Incorporated

03/05/15 / #20150066756

Money transfer system gateway service

Systems and methods for person-to-person and person-to-merchant remittances from a person having a closed loop system account to merchants who are not members of the closed loop system. In an embodiment, a payment gateway computer receives a remittance transaction request from a payment services provider (psp) computer associated with a closed-loop system, maps an alias identifier into a shadow account number assigned to the sender in an open-loop payment authorization system, determines that the alias identifier mapped into a valid shadow account number, debits a stored value account for the remittance transaction amount, credits a shadow account in the open-loop payment authorization system for the remittance transaction amount, generates an authorization request for an open-loop payment transaction and transmits it to the open-loop payment authorization system, receives an authorization response from the open-loop payment authorization system, and transmits an approval response.. ... Mastercard International Incorporated

03/05/15 / #20150066753

Bill pay system using bill pay code

Systems and methods for facilitating bill payment and presentment are provided using bill pay codes generated by a biller and validated by a bill presentment and payment system. A mobile service provider enables consumers having pre-paid mobile telephone accounts to employ embodiments of the systems and methods.. ... Mastercard International Incorporated

03/05/15 / #20150066743

System and method for socially connecting payment card holders

A method for socially connecting payment card holders is provided. The method involves providing one or more databases configured to store payment card holder information including at least purchasing and payment activities attributable to the payment card holders; providing one or more databases configured to store payment card holder profiles; generating the payment card holder profiles based on the payment card holder information; providing the payment card holder profiles to payment card holders that have been granted access to the one or more databases configured to store the payment card holder profiles; and effecting targeted interaction between the payment card holders based at least in part on the payment card holder profiles. ... Mastercard International Incorporated

03/05/15 / #20150066729

System and method for currency exchange rate forecasting

A method for forecasting currency exchange rate is provided. The method involves: providing one or more databases configured to store a first set of information comprising microeconomic information that includes at least payment card holder transaction information; providing one or more databases configured to store a second set of information comprising macroeconomic information; and providing one or more databases configured to store a third set of information comprising foreign exchange market (forex) information. ... Mastercard International Incorporated

03/05/15 / #20150066651

Method and system for secure mobile payment processing and data analytics

A method for processing payment transactions includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a combined identifier and at least two payment account identifiers; receiving an authorization request for a payment transaction originating from a point of sale device, wherein the authorization request includes at least a combined identification; identifying a specific consumer profile where the included combined identifier corresponds to the combined identification; transmitting at least the at least two payment account identifiers included in the specific consumer profile to the point of sale device; receiving an indication of one of the at least two payment account identifiers from the point of salve device; updating the authorization request to include at least the indicated one of the at least two payment account identifiers; and transmitting the updated authorization request.. . ... Mastercard International Incorporated

03/05/15 / #20150066584

System and method for acquiring an understanding of a business segment

A method for acquiring an understanding a business segment is provided. The method comprises: storing in an electronic storage device a database of information in which the information is generated from at least four linked data sources including a firmographics data source, a risk data source, a transaction behavior data source, and an attitudinal data source; accessing information in the database concerning the business segment; and assembling the information concerning the business segment. ... Mastercard International Incorporated

02/26/15 / #20150058949

Method and system for computing code management platform

A method for authenticating a computing device includes: storing an account profile, the profile including data related to a service account including an alphanumeric code; generating a session identifier and a seed value; computing a first hash using the session identifier; computing a second hash using the session identifier and the alphanumeric code; computing a third hash using the second hash and a utilized seed value; transmitting the session identifier to a computing device via a first communication protocol; transmitting the session identifier and first hash to a remote notification service for transmission to the computing device via a second communication protocol; receiving a fourth hash and the session identifier from the computing device via the first communication protocol; validating the fourth hash based on a comparison of the fourth hash and the computed third hash; and transmitting a validation result to the computing device based on the validation step.. . ... Mastercard International Incorporated

02/26/15 / #20150058187

Mileage tax estimation using payment network data

A method and system of determining a vehicle mileage tax associated with a consumer includes retrieving data associated with a plurality of transactions associated with a payment account of a consumer, the data including a merchant identifier, a location, and a date and time associated with each of the plurality of transactions. A total mileage traveled by a vehicle associated with the consumer is estimated based on the location, and the date and time associated with the plurality of transactions. ... Mastercard International Incorporated

02/26/15 / #20150058088

Method and system for using transaction data to assign a trade area to a merchant location

A method for identifying a merchant trade area, includes: receiving a trade area request, the request identifying a merchant; storing a plurality of consumer location data entries, each entry including data related to a consumer involved in one or more payment transactions with the merchant, including a geographic location associated with the related consumer; identifying a geographic location associated with the merchant; identifying at least one geographic deviation metric based on the geographic location associated with the related consumer included in each entry of the plurality of consumer location data entries; identifying a merchant trade area based on the geographic location associated with the merchant and the identified at least one geographic deviation metric; and transmitting the identified merchant trade area in response to the received trade area request.. . ... Mastercard International Incorporated

02/19/15 / #20150052587

System and method for graduated security in user authentication

A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. ... Mastercard International Incorporated

02/19/15 / #20150052053

Internet site authentication with payments authorization data

A system for identification by a payment cardholder of phishing and/or deceptive websites is provided. The system includes an electronic storage device having a database of merchant or financial institution website registration with a payment card network information stored therein. ... Mastercard International Incorporated

02/19/15 / #20150052010

E-wallet with cross-border capability

Local shipping addresses in a first country are assigned to consumers having physical addresses in one or more different countries. In connection with an on-line shopping session at an e-commerce retailer, a request is obtained, from the e-commerce retailer, for a corresponding one of the local shipping addresses; the same is supplied to the e-commerce retailer in response to the request. ... Mastercard International Incorporated

02/19/15 / #20150052005

Internet site authentication with payments authorization data

Methods for identification by a payment cardholder of phishing and/or deceptive websites (e.g., merchant websites and financial institution websites) are provided. In particular, a method involves initiating a proxy interaction of a payment cardholder computer system executing a browser application with an item of content associated with the merchant website, and communicating with a payment card network connected to the merchant website. ... Mastercard International Incorporated

02/19/15 / #20150051953

Method and system for geolocation mapping of indoor locations using payment data

A method for mapping merchant boundaries includes: storing, in a transaction database, a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction including at least a merchant identifier, a consumer identifier, and a transaction time and/or date; identifying, in the transaction database, a subset of transaction data entries, wherein each transaction data entry in the subset of transaction data entries includes a common merchant identifier; receiving, for each transaction data entry in the identified subset of transaction data entries, a geographic location of a mobile communication device associated with the respective included consumer identifier temporally proximal to the respective included transaction time and/or date; and generating, by a processing device, a boundary map for a merchant associated with the common merchant identifier based on the geographic locations received for each transaction data entry in the identified subset of transaction data entries.. . ... Mastercard International Incorporated

02/19/15 / #20150051947

Systems and methods for transaction-based profiling of customer behavior

A system and method is provided for updating customer profiles based on current information on merchant transactions performed by the customers. The customer profiles, which include data fields for customer attributes, are stored in a profile data base. ... Mastercard International Incorporated

02/12/15 / #20150046336

System and method of using a secondary screen on a mobile device as a secure and convenient transacting mechanism

A method and system for transmitting payment credentials that are related to a payment account and include at least an account number associated with the related payment account. Machine-readable code is encoded with the set of payment credentials related to the indicated payment account and is displayed on a second display of the mobile communication device. ... Mastercard International Incorporated

02/12/15 / #20150046331

Mobile p2p - cross border payments

Systems and methods include receiving a request for a funds transfer to transfer funds from sender to a recipient, the request including a transfer amount and, as an identifier of the recipient, a destination mobile telephone number associated with the recipient; translating, based at least in part on a record of a mapping of the destination mobile telephone number to an account associated with the recipient, the destination mobile telephone number to a destination account number; and routing the funds transfer as a payment transaction using the destination account number.. . ... Mastercard International Incorporated

02/12/15 / #20150046323

Method and system for local evaluation of computer

A method of evaluating a software status of computer equipment comprises the following steps. Firstly, a local data connection is initiated between a mobile computing device and the computing equipment to be evaluated. ... Mastercard International Incorporated

02/12/15 / #20150046302

Transaction level modeling method and apparatus

A system, method, and computer-readable storage medium configured to enable transaction level modeling of payment card use.. . ... Mastercard International Incorporated

02/12/15 / #20150046220

Predictive model of travel intentions using purchase transaction data method and apparatus

A system, method, and computer-readable storage medium configured to predict travel intentions of a payment cardholder based on transaction payment card purchases.. . ... Mastercard International Incorporated

02/05/15 / #20150039506

Methods and systems for providing 3-d secure service on-behalf-of merchants

Systems and methods for conducting 3-d secure transactions on-behalf-of (obo) merchants. In an embodiment, a payer authentication response (pares) message indicating enrollment in the 3-d secure obo merchants authentication service is received from an access control server by a computer and stored. ... Mastercard International Incorporated

02/05/15 / #20150039494

Paired wearable payment device

The present invention relates to an electronic device 101 for use in a transaction process. The electronic device 101 comprises a first wireless communication module for communicating with a second electronic device 102 and a second wireless communication module for communicating with a payment terminal 106 for the purpose of performing a payment transaction. ... Mastercard International Incorporated

02/05/15 / #20150039493

Intelligent business management platform method and apparatus

A system, method, and computer-readable storage medium configured to enable intelligent management and implementation of travel policies, elite cardholder benefits, or vendor offers related to expenses incurred on a payment card.. . ... Mastercard International Incorporated

02/05/15 / #20150039492

Change on card method and apparatus

A system, method, and computer-readable storage medium configured to enable intelligent management and implementation of travel policies, elite cardholder benefits, or vendor offers related to expenses incurred on a payment card.. . ... Mastercard International Incorporated

02/05/15 / #20150039453

Ngo electronic transaction management system 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

02/05/15 / #20150039390

Mobile marketing and targeting using purchase transaction data

A method for making a targeted offer by a telecommunication entity to an audience is provided. The method involves receiving from the telecommunication entity a first set of information including billing activities attributable to the telecommunication entity and payment activities attributable to the audience, by a financial transaction processing entity; retrieving by the financial transaction processing entity a second set of information including billing activities attributable to the financial transaction processing entity and purchasing and payment activities attributable to the audience; and generating one or more predictive behavioral models based at least in part on the first set and second set of information. ... Mastercard International Incorporated

01/29/15 / #20150032629

Systems and methods for appending supplemental payment data to a transaction message

A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. ... Mastercard International Incorporated

01/29/15 / #20150032623

Systems and methods to enable payments in the absence of a point of sale device

A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.. ... Mastercard International Incorporated

01/29/15 / #20150032622

Online credit returns method and apparatus

A system, method, and computer-readable storage medium configured to enable an immediate online credit refund transaction.. . ... Mastercard International Incorporated

01/29/15 / #20150032621

Method and system for proximity fraud control

A method for authenticating a user in a payment transaction using a computing device includes: storing location data entries, each entry including a geographic location of a mobile device and a time; receiving an authorization request for a payment transaction, the request including an account identifier, location identifier, and authorization time; identifying a specific data entry where the included time is within a predetermined period of time of the authorization time; when the location included in the specific data entry is indicative of the mobile device being not present at the location of the location identifier, transmitting a request to a computing device associated with the account identifier for action by a user to prove their identity; receiving, data conveying the action taken by the user; and authenticating the user based on the received data and authentication information associated with a payment account corresponding to the account identifier.. . ... Mastercard International Incorporated

01/29/15 / #20150032614

System and method for analyzing anonymous payment card data

A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. ... Mastercard International Incorporated

01/29/15 / #20150032604

Merchant data cleansing in clearing record based on targeted merchants

A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service are provided with the cleansed, and optionally augmented, merchant information. ... Mastercard International Incorporated

01/29/15 / #20150032565

Systems and methods for recommending merchants

A computer system for recommending merchants to a candidate consumer is provided. The computer system includes a memory device in communication with a processor. ... Mastercard International Incorporated

01/29/15 / #20150032543

Systems and methods for recommending merchants

A computer system for recommending a merchant to a candidate consumer is provided. The computer system includes a memory device for storing data and a processor. ... Mastercard International Incorporated

01/29/15 / #20150032527

Systems and methods for electronic geocaching

A method and system for transferring electronic units of value to a mobile device using a computer device coupled to a database are provided. The method includes establishing a transfer account associated with the mobile device, initiating, by the mobile device, a transfer of an identifier encoded in a geo.chip to the mobile device, receiving, by the mobile device, the identifier and a geolocation of the mobile device, transmitting the received identifier and geolocation for verification of the identifier using the geolocation, and receiving, by the mobile device, an indication of the units of value associated with the geo.chip location.. ... Mastercard International Incorporated

01/22/15 / #20150026692

Systems and methods for query queue optimization

A computer-implemented method for optimizing a queue of queries for database efficiency is implemented by a controller computing device coupled to a memory device. The method includes receiving a plurality of database queries at the computing device from at least one host, evaluating the plurality of database queries to determine a resource impact associated with each database query of the plurality of database queries, prioritizing the plurality of database queries based upon a set of prioritization factors and the resource impact associated with each database query, and submitting the prioritized plurality of database queries to a database system for execution. ... Mastercard International Incorporated

01/22/15 / #20150026070

Systems and methods for correlating cardholder identity attributes on a payment card network to determine payment card fraud

A method and system for correlating cardholder identity attributes on a payment card interchange network using a computer device coupled to a database are provided. The method includes storing at a central store, personally identifiable information from an issuer for a plurality of payment card cardholders, the personally identifiable information encrypted to prevent payment card transaction data from being associated with the personally identifiable information, receiving, from a merchant, personally identifiable information during a payment card transaction, encrypting the received personally identifiable information, and comparing the encrypted stored personally identifiable information to the encrypted received personally identifiable information to determine a risk of fraud during the payment card transaction.. ... Mastercard International Incorporated

01/22/15 / #20150026052

Methods, systems and computer readable media for facilitating a remote deposit to a prepaid card account

Methods, systems, and computer readable media for facilitating a remote deposit to a prepaid card account are disclosed. In one example, the method includes receiving, via an application programming interface (api) supported by a central switch node, a web based service message containing a load request from an acquiring entity. ... Mastercard International Incorporated

01/15/15 / #20150019439

Systems and methods relating to secure payment transactions

Systems and methods are provided for processing a transaction to enable an issuer of a physical transaction device to process a transaction message relating to a digital transaction device, where the digital transaction device is a digitized counterpart of the physical transaction device. In connection therewith, a transaction processing system is configured to receive the transaction message including a digital device data set associated with the digital transaction device; identify a physical device data set that corresponds to the digital device data set from a group of paired physical device data sets and respective digital device data sets; modify the transaction message to include the identified physical device data set to form a modified transaction message; and communicate the modified transaction message to the issuer of the physical transaction device.. ... Mastercard International Incorporated

01/15/15 / #20150019426

Method and system for applying spending limits to payment accounts involving installment transactions

A method for identifying a spending budget for a payment account includes: storing, in an account database, a plurality of account data entries, each account data entry including at least an account identifier and a base monthly spending limit; storing, in an installment database, a plurality of installment data entries, each installment data entry including at least an account identifier and an installment amount; identifying, for a specific account data entry in the account database, at least one installment data entry where the included account identifier corresponds to the account identifier of the specific account data entry; calculating an effective monthly spending limit based on the base monthly spending limit and the installment amount included in each of the identified at least one installment data entry; and associating, in the account database, the calculated effective monthly spending limit with the specific account data entry.. . ... Mastercard International Incorporated

01/15/15 / #20150019411

Systems and methods for facilitating multi-party payment transactions

A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. ... Mastercard International Incorporated

01/15/15 / #20150019394

Merchant information correction through transaction history or detail

A method of updating location information associated with a merchant in an electronic payment card network includes retrieving a plurality of payment transaction records associated with a merchant over a predetermined period of time. The plurality of payment transaction records are associated with a plurality of payment accounts, and include location data, including a country of issuance, associated with the payment card accounts. ... Mastercard International Incorporated

01/15/15 / #20150019313

Method, apparatus, and computer program product for facilitating promotions with an e-wallet

A transaction qualification service, based on rules from an offers registry database, determines whether at least one promotion code is applicable to an on-line transaction. If so, the at least promotion code is provided to a merchant, prior to payment card authorization, clearing, and settlement for the on-line transaction. ... Mastercard International Incorporated

01/15/15 / #20150019293

System and method for privacy compliant gis file format delivery system for payment data

A method for providing characteristic payments data includes: storing a plurality of transaction data entries, each data entry including transaction data, consumer information, merchant information, and a geographic location; receiving a request for characteristics, the request including a characteristic metric and specified geographic area; identifying a subset of data entries, where the geographic location is included in the specified geographic area; identifying the characteristic metric based on at least one of: the transaction data, consumer information, and merchant information of each data entry in the subset; generating a data file illustrating the identified characteristic metric as applied to the specified geographic area, wherein the data file is of a geographic information system (gis) file format; and transmitting the generated data file in response to the received request for characteristics.. . ... Mastercard International Incorporated

01/08/15 / #20150012432

Systems and methods for managing personal records associated with payment transactions

A method for processing a payment transaction and a personal record associated with the payment transaction is provided. The method includes receiving a request to authorize the payment transaction wherein the authorization request includes a cardholder id and a payment transaction amount, and transmitting an authorization confirmation message to at least one of a cardholder computing device and a first service provider computing device. ... Mastercard International Incorporated

01/08/15 / #20150012430

Systems and methods for risk based decisioning service incorporating payment card transactions and application events

A method and system for evaluating a risk of fraud in a payment card transaction using a computer device coupled to a database are provided. The method includes receiving payment card transaction messages relating to a payment card account wherein the payment card transaction messages relate to interactions with a cardholder, an issuer of the payment card account, or an agent thereof. ... Mastercard International Incorporated

01/08/15 / #20150012427

Systems and methods related to registration for services

A method of associating a transaction device with a user profile on an activation computing device, the method comprising: receiving, from an issuing entity, information associated with a user profile, the user profile having been created by an issuing entity; generating, at the activation computing device, an activation code; sending the activation code to a transaction device associated with the user; receiving, from the transaction device, verification data, the verification data being associated with the activation code and the information associated with the user profile; validating, at the activation computing device, by comparing the received verification data with the generated activation code and the information associated with the user profile received from the issuing entity; and associating the transaction device with the user profile if the verification data is valid.. . ... Mastercard International Incorporated

01/08/15 / #20150012425

Intelligent advice and payment routing engine

Methods, apparatus and systems include an intelligent decision engine that analyzes data associated with the payment card accounts of a consumer along with other information regarding a particular transaction, and then provides a recommendation to a cardholder concerning which payment card account(s) to use to maximize value. In an embodiment, a processor receives service call data associated with a purchase transaction, determines that a cardholder is a registered smart preferences user, and accesses smart preferences cardholder profile data. ... Mastercard International Incorporated

01/08/15 / #20150012423

Systems and methods for account processing validation

A computer system for validating an account to be used in an electronic payment includes a processor coupled to a memory device. The computer system is programmed to receive an account validation web request from a bill payment originator. ... Mastercard International Incorporated

01/08/15 / #20150012303

Method and system for evaluating commercial real estate pricing and location by leveraging transaction data

A computer-implemented method for estimating a value for a real property location is provided. The method includes receiving merchant location data for at least one merchant at the computing device, the merchant location data including data identifying a real property location where the at least one merchant is located, receiving historical transaction data associated with the at least one merchant at the computing device, receiving an evaluation request message at the computing device, the evaluation request message including data identifying the at least one merchant, determining a merchant cash flow for the at least one identified merchant based at least on the historical transaction data and a scaling factor, and determining an estimate of the value of the real property location, based at least on the merchant cash flow, the merchant location data, and the historical transaction data.. ... Mastercard International Incorporated

01/08/15 / #20150010149

Unpredictable number generation

A method of generating an unpredictable number in a computing device is provided. The method comprises the computing device performing the following programmed steps: obtaining a plurality of data elements; performing a first one way function on an internal value p and the plurality of data elements to update the value p; and performing a second one way function on the value p to obtain the unpredictable number. ... Mastercard International Incorporated

01/01/15 / #20150006391

Purchase control card image generation and transmittal

Some suppliers or merchants require to see an image of a purchase payment card before they will supply their goods or services. In purchase control systems that operate through the generation of vcns, there is no physical card of which to make an image. ... Mastercard International Incorporated

01/01/15 / #20150006378

User devices, systems and methods for use in transactions

A user device for use in a transaction is provided. The user device includes a communicator configured to allow communication, between the user device and a reader device, for executing the transaction, a sensor configured to detect a movement of the user device, and a trigger element configured to, on detection of the movement of the user device, initiate a process for the transaction.. ... Mastercard International Incorporated

01/01/15 / #20150006358

Merchant aggregation through cardholder brand loyalty

A system and method of aggregating merchant data from transaction data, including retrieving a transaction data set from a data warehouse. The transaction data set includes a merchant location identifier and the corresponding merchant's doing business as (dba) name and address data. ... Mastercard International Incorporated

01/01/15 / #20150006270

Payment and reward optimization in electronic commerce system

Using at least one computer processor, a first input is received from a payor. The first input specifies a payee account for a transaction. ... Mastercard International Incorporated








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