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Mastercard International Incorporated patents (2016 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


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 the database of merchants based on a geographic region and/or an industry associated with the merchants; selecting a target merchant from the sample of merchants; and generating from the merchants in the compiled sample of merchants, by a computing device, a competitive merchant set for the target merchant, based on the target merchant and each merchant in the competitive merchant set including at least one transaction to the same payment account. ... Mastercard International Incorporated

Method and system for post authorization payment of transactions using loyalty points

A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.. . ... Mastercard International Incorporated

Method and system for estimating residence latitude and longitude with transaction data

A method for estimating a consumer geolocation using filtered transaction data includes: storing transaction data entries, each including an account identifier, merchant identifier, and merchant category code; storing filtering rules, each including one or more merchant category codes; receiving a location request including a specific account identifier and specific filtering rule; identifying a subset of transaction data entries including the specific account identifier; filtering the subset of transaction data entries to remove transaction data entries where the merchant category code does not correspond to one of the merchant category codes included in the specific filtering rule; identifying a geographic location for each transaction data entry in the subset based on the respective included merchant identifier; estimating a geographic location based on the geographic location identified for each transaction data entry in the filtered subset; and electronically transmitting the estimated geographic location in response to the location request.. . ... Mastercard International Incorporated

Method and system for supervisory control of payment transactions

A method for facilitating supervisory control of payment transactions initiated using a computing device includes: storing account profiles, each including a first identifier, second identifier, and transaction controls; receiving transaction details from a second device for a payment transaction, the transaction details including a second identifier and transaction data values; identifying a specific profile that includes the second identifier; determining that the payment transaction does not satisfy the transaction controls in the specific profile based the transaction data values; transmitting a confirmation request including the transaction data values to the first device associated with the first identifier in the specific profile; receiving a confirmation message from the first device indicating approval or denial of the payment transaction; and transmitting a message to at least one of: the second device, a payment network, and a merchant involved in the payment transaction based on the indication.. . ... Mastercard International Incorporated

System and methods for providing gratuity based on location

A system, method, and computer-readable storage medium configured to facilitate gratuities to individuals and employees of establishments based on location.. . ... Mastercard International Incorporated

Systems, methods, devices, and computer readable media for monitoring proximity mobile payment transactions

Systems, methods, devices, and computer readable media for monitoring and guiding proximity mobile payment transactions are provided. Proximity mobile payment transactions conducted at a contactless point of sale terminal using mobile devices are monitored at a backend server. ... Mastercard International Incorporated

Methods, devices, and systems for automatically detecting, tracking, and validating transit journeys

Methods, devices, and systems for automatically detecting, tracking, and validating transit journeys are provided. A transit data processing engine receives sensory data gathered by a plurality of sensors of a mobile device registered for automatic tracking of transit journeys and detects, based on transit data of one or more transit agencies and a first set of the sensory data, a potential transit event with the one or more transit agencies. ... Mastercard International Incorporated

Methods, systems, and computer readable media for provisioning location specific content information to a mobile device

Methods, systems, and computer readable media for provisioning location specific content information to a mobile device are disclosed. In one example, a method includes detecting the presence of a mobile device at a designated area and receiving a location identifier associated with the designated area and a mobile device user identifier associated with the mobile device at a backend server. ... Mastercard International Incorporated

Method and system for dynamic linking of offers to transaction accounts

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

Systems and methods for authenticating business partners, in connection with requests by the partners for products and/or services

Systems and methods for use in authenticating business partners, in connection with requests by the partners for various products and/or services, are disclosed. An exemplary method generally includes receiving a request from a business partner for a product and/or a service where the product and/or service relates, for example, at least partly, to transaction data, or other data. ... Mastercard International Incorporated

Method and system for maintaining privacy in scoring of consumer spending behavior

A method for maintaining consumer privacy in behavioral scoring includes a first computing system and a second computing system. The first computing system disguises consumer characteristics and maps disguised consumer characteristics to unencrypted account identifiers, and then transmits the data to the second computing system. ... Mastercard International Incorporated

Systems and methods for extending credit to small/medium-sized enterprises

A credit account is established for a merchant. A variable credit limit is set for the credit account. ... Mastercard International Incorporated

Data enhancement analysis with respect to merchants' customer loyalty accounts

A first set of transaction data is received from a merchant. The first set of transaction data represents a plurality of customer profiles. ... Mastercard International Incorporated

Systems and methods for verifying users, in connection with transactions using payment devices

Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an aid associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. ... Mastercard International Incorporated

12/15/16 / #20160364726

Systems and methods for use in processing transactions to payment accounts

Systems and methods are provided for processing transactions made at various merchants to payment accounts issued by other different merchants. One exemplary method generally includes receiving a charge request from a first merchant, relating to a transaction for a product at the first merchant between the first merchant and a consumer, where the charge request includes an identifier associated with a payment account used by the consumer in the transaction and issued by a second merchant. ... Mastercard International Incorporated

12/15/16 / #20160364725

Methods and systems for reporting transaction issues

Methods and systems of collating and transmitting information relating to a payment transaction are provided. Current location of the mobile device is determined and merchant data, concerning merchants located within a predetermined distance of the current location of the mobile device is obtained. ... Mastercard International Incorporated

12/15/16 / #20160364720

Methods and systems to securely load / reload a contactless payment device

Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant pos location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or internet device.. ... Mastercard International Incorporated

12/15/16 / #20160364703

Systems and methods for verifying users, in connection with transactions using payment devices

Systems and methods for verifying users in connection with transactions using payment devices, by which benefits are distributed, are disclosed. One exemplary method generally includes initiating a timer after power-up of a security chip by a terminal, capturing a biometric of a user, at a biometric sensor associated with the security chip, and comparing, by the security chip, the captured biometric to a reference biometric. ... Mastercard International Incorporated

12/08/16 / #20160358272

Airline seat optimization for passenger shoulder width and size

A system, method, and computer-readable storage medium configured to analyze the physical size of payment accountholders based on payment transactions, and allowing a transportation provider to apply the physical size of payment accountholders to seating.. . ... Mastercard International Incorporated

12/08/16 / #20160358250

Dynamic credit line management for payment accounts

A method includes establishing a credit account, setting a credit limit for the credit account, generating a payments profile for the holder of the credit account, and adjusting the credit limit based on the payments profile.. . ... Mastercard International Incorporated

12/08/16 / #20160358201

Method and system for automated settlement of transaction account rebates

A method for automated settlement of cardholder rebates includes: storing account profiles, each profile including data related to a merchant transaction account associated with a merchant registered in a rewards program including a merchant identifier and merchant funding rate; receiving a transaction message for a payment transaction, the transaction message including a plurality of data elements configured to store data associated with a transaction amount, transaction time and/or date, transaction account number, and specific merchant identifier; identifying a specific account profile including the specific merchant identifier; calculating a rebate amount based on the transaction amount; generating a data file, the data file including a transaction data entry associated with the payment transaction including the transaction time and/or date, transaction amount, specific merchant identifier, and calculated rebate amount; and automatically transmitting the data file to a financial institution associated with the merchant transaction account related to the specific account profile.. . ... Mastercard International Incorporated

12/08/16 / #20160358192

Systems and methods for determining public relations event impact

Systems and methods systems are provided for determining the impact of public relations (pr) events on consumer spending. Past pr event information can be identified, and codes characterizing the past pr event information can be applied to standardize and categorize the pr events. ... Mastercard International Incorporated

12/08/16 / #20160358178

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

12/01/16 / #20160350869

Method and system for tracking foreign transactions

A method for assisted declaration of goods at customs includes: storing, in a mobile communication device, algorithms associated with the calculation of a duty amount based on rules or regulations; receiving, by the mobile communication device, a plurality of transaction data entries, each entry being related to a payment transaction involving a consumer and including transaction data; identifying, in the mobile communication device, at least one transaction data entry involving the purchase of one or more declarable goods based on the rules or regulations; calculating, by the mobile communication device, a duty amount based on application of the rules or algorithms to the transaction data included in the identified at least one transaction data entry; and transmitting, by the mobile communication device, the calculated duty amount.. . ... Mastercard International Incorporated

12/01/16 / #20160350866

Assessing merchant affinity

A method is provided that includes (a) accessing a database that contains records of payment card transactions, (b) filtering the records based on a filtering criterion and a period of time, thus yielding filtered transactions that occurred during the period of time, (c) identifying from the filtered transactions, customers of a first merchant, (d) identifying from the filtered transactions, a second merchant with which the customers engaged in transactions, and (e) calculating, from the filtered transactions, an index that indicates an affinity between the first merchant and the second merchant. Lists of merchants and accounts are used to compute an aggregate purchases list, an aggregate number of transactions list, a purchase penetration list, a card penetration list, and a transaction penetration list, at national level. ... Mastercard International Incorporated

12/01/16 / #20160350760

Systems and methods for using social network data to determine payment fraud

A computer-implemented method for analyzing potentially fraudulent e-commerce payment transactions utilizing social media data is provided. The method uses a fraud monitoring device in communication with a memory. ... Mastercard International Incorporated

12/01/16 / #20160350759

Systems and methods for fraud detection by transaction ticket size pattern

A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (pos) device and a merchant website, the transaction information including a current transaction amount, the transaction information associated with a single payment card cardholder, retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information, and generating a historical spend ticket size pattern based on average ticket size and dispersions for at least one of the same store, similar stores, and relevant merchant categories. ... Mastercard International Incorporated

12/01/16 / #20160350753

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

12/01/16 / #20160350746

Consumer friendly token number allocation

A consumer-friendly token number allocation method and system. In an embodiment, a token service provider (tsp) computer receives a tokenization request from a token requestor that includes a primary account number (pan) of a cardholder. ... Mastercard International Incorporated

12/01/16 / #20160350726

Vehicle maintenance reminders generated from analysis of payment transaction data

A method includes analyzing payment account transaction data relevant to a motor vehicle. Based on at least one result of the analysis, an estimate is made concerning a number of miles traveled by the motor vehicle in a period since there was a vehicle maintenance transaction involving the motor vehicle. ... Mastercard International Incorporated

11/24/16 / #20160343056

Adaptive recommendation system and methods

A computer-implemented method for recommending items for future purchase by a consumer based on the consumer's historical actions is provided. The method is implemented using an adaptive recommendation (“ar”) computer device in communication with a memory. ... Mastercard International Incorporated

11/24/16 / #20160343028

Systems and methods for predicting relationship milestones

Systems and methods are provided for predicting consumer relationship status and/or milestones. Payment transaction data can be leveraged to predict such consumer relationship statuses or milestones, whereby payment transaction data gleaned from a payment network can be aggregated in accordance with certain characteristics present in the payment transaction data, the aggregations being indicative of a particular relationship status or milestone. ... Mastercard International Incorporated

11/24/16 / #20160343012

Generating a profile of a geographic area based on payment transaction data

A profile generation computing device for generating a profile of a predefined geographic area is provided. Additionally, a method and a computer-readable storage medium having computer-executable instructions embodied thereon for generating a profile of a predefined geographic area are provided.. ... Mastercard International Incorporated

11/24/16 / #20160343003

Systems and methods for enhanced merchant data using satellite imaging

A computer-implemented method for determining merchant sales data using overhead imagery is provided. The method uses a valuation computer device in communication with a memory. ... Mastercard International Incorporated

11/24/16 / #20160342994

Method and system for fraud control of blockchain-based transactions

A method for linking blockchain transactions to privately verified identities includes: storing account profiles, each profile including data related to a transaction account including an account identifier and account data; receiving a transaction message, the message including a first data element configured to store a personal account number, a second data element configured to store a merchant identifier, and a third data element configured to store a blockchain network identifier; identifying a first account profile that includes the personal account number; identifying a second account profile that includes the merchant identifier; receiving a transaction notification, the notification indicating a transaction processed using a blockchain network associated with the blockchain network identifier and including a transaction identifier and an address identifier associated with the first or second account profile; and storing a linkage between the transaction identifier and the address identifier, the personal account number, and/or the merchant identifier.. . ... Mastercard International Incorporated

11/24/16 / #20160342989

Method and system for processing blockchain-based transactions on existing payment networks

A method for authorizing a blockchain-based transaction includes: receiving a transaction request, the request including a network identifier associated with a blockchain network, a transaction amount, and one of: a public key and an address identifier; generating an address identifier using at least the public key included in the received transaction request and one or more hashing algorithms if the received transaction request does not include an address identifier; generating a transaction message, the message including a first data element configured to store a transaction amount and a second data element reserved for private use, and the first data element includes a zero value and the second data element includes at least (i) the network identifier or an encoded value based on the network identifier, (ii) the address identifier, and (iii) the transaction amount; and transmitting the transaction message to a financial institution using a payment network.. . ... Mastercard International Incorporated

11/24/16 / #20160342978

Method and system for integration of market exchange and issuer processing for blockchain-based transactions

A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.. . ... Mastercard International Incorporated

11/24/16 / #20160342976

Method and system for linkage of blockchain-based assets to fiat currency accounts

A method for managing fractional reserves of blockchain currency includes: storing, in a first central account, a fiat amount associated with a fiat currency; storing, in a second central account, a blockchain amount associated with a blockchain currency; storing a plurality of account profiles, each profile including a fiat currency amount, blockchain currency amount, account identifier, and address; receiving a transaction message associated with a payment transaction, the message being formatted based on one or more standards and including a plurality of data elements, including a data element reserved for private use including a specific address and a transaction amount; identifying a specific account profile that includes the specific address included in the data element in the received transaction message; and updating the blockchain currency amount included in the identified specific account profile based on the transaction amount included in the data element in the received transaction message.. . ... Mastercard International Incorporated

11/24/16 / #20160342770

Method and system for integrating infectious disease data with transaction data

A method for tracking existence and spread of infectious diseases using transaction data includes: storing transaction data entries, each entry including data related to a payment transaction including a transaction time, geographic location, and transaction data; receiving disease data indicating an infectious disease in a geographic area, the data including an infection period of time; identifying a first subset of transaction data entries including the geographic location in the received disease data and where the transaction time is within the infection period of time; identifying a second subset of transaction data entries that include a geographic location in a shared geographic area where the included transaction data corresponds to the transaction data included in the transaction data entries in the first subset; and transmitting an infection notification, the notification including at least the shared geographic area.. . ... Mastercard International Incorporated

11/17/16 / #20160337332

Systems and methods for controlling access to location based data

A method for controlling access to data displayed by an information services portal on a user device is provided. The method includes receiving a candidate login input corresponding to a user. ... Mastercard International Incorporated

11/17/16 / #20160335650

Systems and methods for generating aggregated merchant analytics for a sector location

A method for generating and providing aggregated merchant analytics for a sector location is provided. The method includes defining a plurality of sectors of a geographic region and receiving transaction data for financial transactions occurring within a period of time, the transaction data associated with a plurality of merchants. ... Mastercard International Incorporated

11/17/16 / #20160335649

Systems and methods for determining an impact event on a sector location

A method for generating and providing aggregated and analyzed merchant analytics for a sector is provided. The method includes defining a plurality of sectors and receiving transaction data for financial transactions associated with merchants and occurring within a period of time. ... Mastercard International Incorporated

11/17/16 / #20160335646

Systems and methods for tracking media content consumption

Systems and methods for tracking media content consumption and developing a media content consumption database are disclosed. Media purchase data is received and analyzed to determine media content items purchased in individual media content transactions. ... Mastercard International Incorporated

11/17/16 / #20160335641

Enhanced payment card platform

Enhanced payment card account methods and systems. In an embodiment, a fraud scoring platform receives purchase transaction information and an associated decline decision generated by an issuer financial institution (fi) for a purchase transaction involving an enhanced payment card account. ... Mastercard International Incorporated

11/17/16 / #20160335640

Linking accounts using surface representations of geolocation history

Systems, methods, and computer program products are provided for linking one or more geolocation devices held by an individual with a payment instrument used by the individual. A specialized computing device receives graphical representations of geolocation history associated with one or more geolocation devices transmitting recognition ids. ... Mastercard International Incorporated

11/17/16 / #20160335639

System and methods for enhanced approval of a payment transaction

A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (ae) computer device in communication with a memory. ... Mastercard International Incorporated

11/17/16 / #20160335637

Systems and methods for facilitating transactions to payment accounts, via sms messaging

Systems and methods are provided for processing transactions to payment accounts. One exemplary method includes receiving a transaction request from a merchant relating to a transaction between a consumer and the merchant, transmitting a verification message to the merchant including a verification code, and receiving a verified transaction request from the merchant. ... Mastercard International Incorporated

11/17/16 / #20160335634

Method and system for partial approval of virtual card transactions

A method and system for enabling partial payment by a controlled card, wherein the method includes: storing, in a database, a plurality of account profiles, wherein each account profile includes at least a controlled card account identifier and data related to at least one control associated with the controlled card account identifier; receiving an authorization request for a payment transaction via a payment network, wherein the authorization request includes at least a single controlled card account identifier associated with one of the plurality of controlled card account profiles and transaction data; generating at least one recommended approval value based upon the at least one control associated with the single controlled card account identifier; updating the authorization request to include information in one or more data fields that corresponds with the at least one recommended approval value; and transmitting the updated authorization request.. . ... Mastercard International Incorporated

11/17/16 / #20160335631

Method and system of self-imposing a financial penalty for purchasing comestibles containing nutritional content not in compliance with user pre-defined nutritional content guidelines

A system and method are provided herein for self-imposing a financial penalty for purchasing comestibles containing nutritional content not in compliance with user pre-defined nutritional content guidelines. One or more user pre-defined nutritional content guidelines and one or more user pre-defined target accounts are stored and associated with one or more financial transaction instruments of the user. ... Mastercard International Incorporated

11/17/16 / #20160335620

Vending machine transactions

A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. ... Mastercard International Incorporated

11/17/16 / #20160335566

System, method and apparatus for detecting absent airline itineraries

A system, method, and non-transitory computer-readable storage medium to detect absent airline itineraries.. . ... Mastercard International Incorporated

11/10/16 / #20160328802

System and method for determining merchant revenue using transaction data and geotemporal data

A computer-implemented method for determining merchant revenue using transaction data and geotemporal data is provided. The method includes receiving a revenue report request message generated by a requesting party, the revenue report request message including a merchant identifier and a report period. ... Mastercard International Incorporated

11/10/16 / #20160328757

Systems and methods for evaluating service providers

Systems and methods are provided for evaluating a service provider based on transaction data for the service provider. One exemplary method includes accessing transaction data for a payment account of a target service provider, where the transaction data represents multiple transactions from the payment account and the transactions involve multiple merchants; assigning the target service provider to a group of other service providers, selected from multiple groups of other service providers, based on the transaction data for the payment account of the target service provider; associating a rating for the selected group with the target service provider; and transmitting the rating.. ... Mastercard International Incorporated

11/10/16 / #20160328728

Method and system for linking transactional data to behavioral and purchase activity based on location

A method for providing purchase behaviors based on geolocation and biometric data includes: storing transaction data entries, each entry including data related to a payment transaction including an account identifier, a geographic location, biometric data, and transaction data; receiving a data request, the request including a specific account identifier, a specific geographic location, and biometric data; identifying a subset of transaction data entries where each transaction data entry in the subset includes the specific account identifier and the specific geographic location; identifying purchase behaviors based on the transaction data included in each transaction data entry in the subset and a correspondence between the biometric data in the data request and the biometric data in each transaction data entry; and transmitting the identified purchase behaviors in response to the received data request.. . ... Mastercard International Incorporated

11/10/16 / #20160328700

Systems, methods, devices, and computer readable media for enabling direct electronic payment transfers

Systems, methods, devices, and computer readable media for enabling direct electronic payment transfers are disclosed. Identification information of a payer, based on a user selection at a mobile device, is received from a first application installed on the mobile device. ... Mastercard International Incorporated

11/10/16 / #20160328690

Methods, systems, and computer readable media for integrating payments

Methods, systems, and computer readable media for integrating payments are disclosed. An exemplary method includes a payment integrator device including at least one processor for receiving instructions to connect to a plurality of privately hosted servers associated with a plurality of different third-party providers and receiving, from the plurality of privately hosted servers, billing information associated with a plurality of different accounts. ... Mastercard International Incorporated

11/10/16 / #20160328316

Systems and methods for automating test scripts for applications that interface to payment networks

Systems and methods are provided for use in testing a target application, including target applications for a payment network. One exemplary method includes generating a test script for the target application, based on at least one requirement of the target application. ... Mastercard International Incorporated

11/03/16 / #20160321742

Payment headwear and related methods

Headwear comprising an image capture device configured to capture a visual purchase identifier observable by a wearer of said headwear; and a processor connected to said image capture device and configured to, in response to receiving data from the image capture device, identify said visual purchase identifier and initiate payment for a purchase identified by the visual purchase identifier.. . ... Mastercard International Incorporated

11/03/16 / #20160321724

Method and system for detecting pricing driven by browser settings

A method and a system are provided for detecting pricing driven by browser settings. A method and a system are also provided for identifying merchants that are using browser-driven or cookie-driven price setting mechanisms, and for helping shoppers obtain the lowest available price for a product or service. ... Mastercard International Incorporated

11/03/16 / #20160321717

Enabling distribution of digital pictures

A mobile computing device configured for enabling distribution of digital pictures is provided. Additionally, a method for enabling distribution of digital pictures and a computer-readable storage medium having computer-executable instructions embodied thereon for enabling distribution of digital pictures are provided.. ... Mastercard International Incorporated

11/03/16 / #20160321687

Systems and methods for dynamic price delivery

Systems and methods of determining a dynamic price of a media content item and delivering the dynamic price of the media content item to a user are disclosed. Cardholder data may be provided by the user and may be associated with payment account data. ... Mastercard International Incorporated

11/03/16 / #20160321658

Method for leveraging multiple products

A method and system include receiving, by a leverage/module, data associated with a purchase transaction; determining that an account identifier associated with the received data identifies a composite account, wherein the composite account includes a collection of two or more card products; analyzing, by the leverage module, composite account data to determine at least one card product of the collection of card products to process the purchase transaction; selecting, by the leverage module, an account associated with at least one card product to process the purchase transaction based on the analysis; transmitting, by the leverage module, the selected at least one account to an issuer of the selected at least one card product for authorization of the purchase transaction. Numerous other aspects are provided.. ... Mastercard International Incorporated

11/03/16 / #20160321634

Method and system for pos enabled installments with eligibility check requirements

A method for processing a transaction with installment checks include: receiving a first transaction message from an acquiring institution, the first transaction message including a primary account number, an installment indicator, and transaction data; determining eligibility for payment via installment based on a comparison of the transaction data to eligibility rules associated with the primary account number; transmitting the first transaction message to a financial institution associated with the primary account number; receiving a second transaction message from the financial institution, the second transaction message including a response code indicative of approval and an eligibility indicator indicating eligibility for payment via installment; and transmitting the second transaction message to the acquiring institution for display to a consumer involved in the related payment transaction on a point of sale system.. . ... Mastercard International Incorporated

11/03/16 / #20160321623

Automated teller machine fee prepayment and reward system and method

Systems and methods of providing a flat fee automated teller machine (“atm”) program are described. An operator of a transacted atm may receive an inquiry from the atm regarding whether a transacted atm card is enrolled in the flat fee atm program. ... Mastercard International Incorporated

11/03/16 / #20160321621

Systems and methods for distributing checks and paystub data using automated teller machines

Systems and methods for producing checks and paystub information from an automated teller machine (“atm”) are described. The atm transmits either a check request or a paystub information request to a payment card network, which transmits the received request to a card issuer. ... Mastercard International Incorporated

11/03/16 / #20160321299

Method and system for determining and disseminating standardized aggregated measurements of activity

A method for generating indices of activity for geographic areas includes: receiving a plurality of activity values, each associated with an entity and geographic location; identifying a geographic grid, the grid including a plurality of geographic areas area of equal size and including zero or at least two geographic locations associated with an activity value; calculating a weight value for each geographic area, the weight value being based on at least (i) a first weight factor applied to each activity value in the respective geographic area and (ii) a second weight factor applied to each activity value associated with a geographic location in an adjacent geographic area; calculating an index value for each geographic area, the index value being based on the calculated weight value and an average weight value for each geographic area; and transmitting at least the calculated index value for one or more geographic areas.. . ... Mastercard International Incorporated

10/27/16 / #20160315925

Method and system for dynamic de-identification of data sets

A method for combining disparate data sets using dynamic de-identifiers includes: receiving a first data set from a first external entity, the data set including first data entries including attribute values, and wherein the first data set does not include any personally identifiable information; receiving a second data set from a second external entity, the data set including second data entries including attribute values, and wherein the second data set does not include any personally identifiable information; identifying a dynamic de-identifier (ddid) for each first data entry and second data entry; matching each second data entry to a first data entry based on a correspondence between the associated attribute values; identifying insights for at least one first data entry based on at least the attribute values included in the corresponding matched second data entry; and transmitting at least the identified insights to the first external entity.. . ... Mastercard International Incorporated

10/27/16 / #20160314640

Prepaid currency card vending machine

According to one aspect there is provided a prepaid currency card (ppcc) vending machine comprising: ppcc storage; an electronic point of sale terminal (pos) configured to take payment from a user and initiate transmission of a payment received message, said message comprising a payment identification code (pic); a controller configured to receive said payment received message; a card identifier configured to read an identification code (id) of a ppcc held in a position in ppcc storage which is next to be dispensed from; a ppcc dispenser configured to dispense a ppcc from said ppcc storage in response to receipt of a dispense command from said controller; and a transmitter configured to transmit said pic together with said card id to a card issuer server. According to a second aspect there is provided a method for issuing a ppcc from such a vending machine.. ... Mastercard International Incorporated

10/27/16 / #20160314452

Mobile device secure payment acceptance for in-store shopping

Methods and systems for facilitating operation of mobile devices as either consumer payment devices and/or merchant payment devices for completing purchase transactions. A process includes a consumer mobile device initializing a two-sided payment application, receiving a handshake indication at a merchant location from a merchant device running a copy of the two-sided payment application, and establishing a communications path between the consumer mobile device and the merchant device via a remote network connection. ... Mastercard International Incorporated

10/20/16 / #20160307466

Method and system for providing financial education based on transaction data

A method for providing financial education services to a consumer includes: storing account profiles, each profile including data related to a transaction account including an account identifier and contact information; storing transaction rules, each rule being associated with a financial education opportunity and including application criteria and required actions; receiving a copy of a transaction message used in an associated payment transaction that includes a specific account identifier and data fields; identifying a specific account profile where the included account identifier corresponds to the specific account identifier; identifying an application transaction rule based on a correspondence between the application criteria and data included in data fields included in the transaction message; performing the required actions included in the identified transaction rule including transmitting financial education data to a consumer associated with the specific account profile using the included contact information.. . ... Mastercard International Incorporated

10/20/16 / #20160307251

Smart closet

A system and method of managing an individual's apparel inventory using cashless transaction data comprises defining a set of one or more transaction search keys associated with identification information of an individual, a cashless transaction device associated with an individual, or a cashless payment account associated with an individual, and searching a transaction data storage for cashless transactions corresponding with the search keys. The transaction data includes sku-level data describing the substance of the goods or services transacted. ... Mastercard International Incorporated

10/20/16 / #20160307243

Systems and methods for determining valuation data for a location of interest

A computer-implemented method for providing valuation data for a location of interest (loi) to a user is provided. The method includes receiving, by a real estate valuation computing device, a location request message generated at a mobile device associated with the user. ... Mastercard International Incorporated

10/20/16 / #20160307195

Systems and methods for message conversion and validation

A computer-implemented method for validating and converting a data message is provided. The method is implemented using a data message validation and conversion (dmvc) computer device in communication with a memory. ... Mastercard International Incorporated

10/20/16 / #20160307186

Verification of contactless payment card for provisioning of payment credentials to mobile device

A communication channel is established between a mobile device and a remote payment support service computer. The mobile device exchanges data communications with a contactless ic (integrated circuit) payment device, and triggers the payment device to generate a cryptogram. ... Mastercard International Incorporated

10/20/16 / #20160307184

Use of mobile network operator data and/or scores in decision-making on requests for payment credential provisioning for mobile devices

A method of provisioning payment credentials to a mobile device includes receiving a payment credentials provisioning request. The method further includes facilitating decision-making with respect to the request based at least in part on data obtained and/or confirmed directly or indirectly from a mobile network operator (mno) associated with the mobile device.. ... Mastercard International Incorporated

10/13/16 / #20160300314

Predicting account holder travel without transaction data

A system, method, and computer-readable storage medium configured to anticipate travel by payment account holders without using payment transaction data.. . ... Mastercard International Incorporated

10/13/16 / #20160300267

Systems and methods for providing recommendations to residential relocators

A method for determining a relocation recommendation for a relocating cardholder relocating from a first location to a target location is provided. The method is implemented using a relocation recommendation (rr) computing device in communication with a memory. ... Mastercard International Incorporated

10/13/16 / #20160300257

Method and system for real-time offer optimization

A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.. . ... Mastercard International Incorporated

10/13/16 / #20160300236

Systems and methods for confirming identities of verified individuals, in connection with establishing new accounts for the individuals

Systems and methods are directed toward verifying an identity of an individual and then subsequently confirming the identity of the individual, using biometric data for the individual, in connection with a request by the individual to establish a new account with an account provider. An account is initially generated for the individual when the individual is originally verified, and an identification device is issued to the individual and associated with the account. ... Mastercard International Incorporated

10/13/16 / #20160300219

All-in-one proximity payment device with local authentication

A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device can be a non-iso card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust pin entry or biometric reading means. ... Mastercard International Incorporated

10/06/16 / #20160295026

Method and system for mobile application usage and sponsored roaming

A method for providing sponsored roaming for a mobile device includes: receiving a data usage request, the data usage request being received from a mobile computing device associated with a first mobile network operator, originating from a geographic location associated with a second mobile network operator, and including at least a device identifier associated with the mobile computing device and a merchant identifier associated with a merchant; transmitting a data request to an entity associated with control of data usage by the mobile computing device, the data request including the device identifier; identifying a transaction amount based on at least a data amount transmitted as a result of the received data usage request; and initiating a payment transaction for payment of a roaming charge associated with the transmitted data by the merchant associated with the merchant identifier, wherein the payment transaction is for payment of the identified transaction amount.. . ... Mastercard International Incorporated

10/06/16 / #20160292753

Systems and methods for generating donations from payment account transactions

Exemplary systems and methods for generating donations to charities based on transactions to payment accounts are disclosed. One exemplary method includes identifying at least one transaction associated with a payment account; generating, by a computing device, a donation value to the payment account based on the at least one transaction; aggregating, by the computing device, the donation value for the at least one transaction; and submitting a donation transaction, to an acquirer associated with the charity, for payment to the charity of an amount based on at least the aggregated donation values.. ... Mastercard International Incorporated

10/06/16 / #20160292681

Systems and methods for managing access to segments of payment networks

Systems and methods are provided for managing access to segments of payment networks, where the segments are related to transaction data of the payment networks and/or functions associated with the payment networks. In response to a request for access to segments of a payment network, the payment network schedules workflows for each of the segments to satisfy access conditions associated with the segments. ... Mastercard International Incorporated

10/06/16 / #20160292666

Method and system for determining and assessing geolocation proximity

A method and a system are provided for authenticating secure payment card transactions and verifying and validating payment card user identities. The method includes receiving information from a transaction device involving a payment card holder initiating a payment card transaction at a merchant using a mobile device having a near field communication (nfc) circuit that is communicatively coupled thereto; determining coordinate location of the merchant by leveraging a physical address of the merchant; determining coordinate location of the mobile device using an application programming interface (api) framework that is sufficient to support communication with a cellular phone communication provider; comparing the coordinate location of the merchant with the coordinate location of the mobile device to determine a relative degree of proximity of the merchant with the mobile device; and assessing the determined relative degree of proximity to facilitate determining whether the payment card transaction using the mobile device is valid or invalid (e.g., potential fraud).. ... Mastercard International Incorporated

09/29/16 / #20160286342

Device content provisioning system

The present disclosure relates to a method and system for provisioning a portable electronic device comprising a first short-range communications module, with content data from a networked remotely located content provider, using an electronic bridging device. The method comprises the steps of: establishing a first communication channel between a networked electronic bridging device and the portable electronic device, the electronic bridging device comprising a second short-range communications module, and the first communication channel being established using the first and second short-range communications module; establishing a second communication channel between the networked electronic bridging device and the networked remotely located content provider; provisioning the portable electronic device with the content data by transmitting the content data from the remotely located content provider to the portable electronic device using the first and second communication channels.. ... Mastercard International Incorporated

09/29/16 / #20160283927

Authentication for mobile transactions

A computer implemented method of authenticating one or more parties to a transaction is provided. A first party to the transaction is registered with an information service trusted by the first party and a second party. ... Mastercard International Incorporated

09/22/16 / #20160275539

Systems and methods for managing reward payments for search results by search engines

Systems and methods are provided for managing reward payment for search engines to improve identification of consumer merchants (e.g., increase exposure, increase relevance, improve ranking, etc.) in search results from search engines in connection with search requests for the consumer merchants. One exemplary method generally includes receiving a request, from the consumer merchant, for a search benefit associated with the search engine; reducing, by the at least one server, a reward total for the consumer merchant by an amount associated with the search benefit; and transmitting an indicator of the purchased search benefit to the search engine.. ... Mastercard International Incorporated

09/15/16 / #20160267580

System and method of determining the line of business for corporate payment account products

A system, method, and computer-readable storage medium configured to determine the line of business for a corporate payment account.. . ... Mastercard International Incorporated

09/15/16 / #20160267495

Method and system for targeting small businesses

A method for identifying business service recommendations includes: storing merchant profiles, each profile including data related to a merchant including a merchant identifier and transaction for a plurality of payment transactions; receiving, a data file including a plurality of merchant entries, each entry including data related to a merchant including a merchant identifier and firmographics; identifying a specific merchant entry where the merchant identifier corresponds to a merchant identifier in a specific merchant profile; calculating transaction scores for the specific merchant entry based on the transaction data in the specific merchant profile; identifying a related merchant entry where the firmographics correspond to the firmographics in the specific merchant entry and where the merchant identifier is not included in a merchant profile; and identifying one or more business service recommendations for the merchant related to the related merchant entry based on transaction scores and firmographics in the related merchant entry.. . ... Mastercard International Incorporated

09/15/16 / #20160267467

Payment card storing tokenized information

Provided are a payment card, system and method for storing and reading tokenized payment account information from a payment card. In an exemplary embodiment, a payment card may include a substrate forming a body of the payment card, and an electronic chip attached to or included in the substrate. ... Mastercard International Incorporated

09/15/16 / #20160267406

Systems and methods for rating merchants

Systems and methods are provided for rating merchants in different industries, based on transaction data for the merchants and relative to multiple other merchants within same industries as the merchants to be rated. A merchant to be rated is initially identified (e.g., from a request, etc.), along with an industry with which the merchant is associated. ... Mastercard International Incorporated

09/08/16 / #20160260177

Method and apparatus for performing transaction item identification

System and methods for determining items purchased in a transaction are described. Transaction information, such as a transaction amount, transaction location, and merchant id may be used to generate a pre-tax transaction amount. ... Mastercard International Incorporated

09/08/16 / #20160260153

Method and system for non-markov based product recommendation

A method for identifying consumer purchase probability includes: storing transaction data entries, each entry including a transaction time, a consumer identifier, and a first product identifier or second product identifier; receiving transaction data for a specific consumer's transaction including a purchase time and the first product identifier; identifying a present time; calculating a ratio of consumers that have purchased the first and second products to consumers that have only purchased the first product; calculating, for consumer that have purchased both products, an average time interval based on a difference in the transaction time for purchase of the first product and transaction time for purchase of the second product; calculating a recency time based on time between the present time and the purchase time; and calculating a probability that the specific consumer will purchase the second product based on the calculated ratio of consumers, average time interval, and recency time.. . ... Mastercard International Incorporated

09/08/16 / #20160260104

Methods and systems for the analysis of patterns of purchase behavior to estimate the members of a specific entity location

A method for identifying members based on purchase behavior analysis includes: storing a plurality of point of sale data entries, each including a point of sale identifier and a geographic location of the point of sale identifier; storing transaction data entries, each including data related to a payment transaction including at least a point of sale identifier, an industry type, a time and/or date, and a consumer identifier; receiving a data request related to a target geographic area; identifying at least one point of sale identifier associated with a geographic location located within the target geographic area; identifying at least one transaction data entry associated with the identified at least one point of sale identifier; classifying the at least one identified transaction data entry into at least one consumer transaction set; calculating a member estimation score for each consumer transaction set.. . ... Mastercard International Incorporated

09/08/16 / #20160260100

Systems and methods for risk based decisioning

A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender, the authorization request including a fraud risk assessment of the financial transaction determined by the sender using an authentication response received from the computer device by the sender, the authorization request including one or more reason codes associated with the sender fraud risk assessment. ... Mastercard International Incorporated

09/08/16 / #20160260097

Assignment of transactions to sub-accounts in payment account system

At the point of sale, a user of a payment-enabled mobile device opens a wallet application program and selects a payment account for use in a purchase transaction. The user is prompted to select a sub-account from among a number of sub-accounts associated with the selected payment account. ... Mastercard International Incorporated

09/08/16 / #20160260096

Dynamic payment account indicators in payment system

Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. ... Mastercard International Incorporated

09/08/16 / #20160260090

System and method for mobile checkout

Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page. ... Mastercard International Incorporated

09/08/16 / #20160260084

Secure mobile remote payments

Provided are systems and methods for conducting secure remote transactions between mobile devices and merchants.. . ... Mastercard International Incorporated

09/08/16 / #20160260079

Extended-length payment account issuer identification numbers

A payment-enabled mobile device is placed in communication with a pos (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. ... Mastercard International Incorporated

09/08/16 / #20160260078

User authentication method and device for credentials back-up service to mobile devices

Back-up credentials data is stored for a user. A communication channel is established with a mobile device. ... Mastercard International Incorporated

09/01/16 / #20160255044

Method and system for management of e-mail addresses for regulation compliance

A method for moderating an e-mail distribution list includes: storing a plurality of e-mail profiles, each profile including data related to an e-mail address including the related e-mail address and one or more permissions, each permission associated with at least one entity and a restriction on sharing; receiving an e-mail distribution list from a mailing entity, the list including plurality of e-mail addresses and source data associated with each e-mail address, the source data indicating how the address was obtained; identifying a specific e-mail profile for each of the plurality of e-mail addresses that includes the respective address; and identifying one or more unauthorized e-mail addresses where the permissions included in the corresponding e-mail profile (i) are not associated with the mailing entity or an entity associated with the source data, or (ii) are associated with a restriction on sharing indicated as being violated by the associated source data.. . ... Mastercard International Incorporated

09/01/16 / #20160255040

Method and system for automatic e-mail aliasing for user anonymization

A method for identifying violative e-mails using aliasing includes: storing an e-mail profile, the profile including data related to an e-mail address; receiving e-mail registration information, the information including an alias e-mail address associated with the related e-mail address and an authorized entity; storing, in the e-mail profile, the alias e-mail address and the authorized entity; receiving an e-mail message, the message including data indicating the alias e-mail address as a recipient and a delivering entity as an author or sender; and processing the e-mail message, wherein the processing includes transmitting the e-mail message to the related e-mail address if the delivering entity is associated with the authorized entity, or identifying a merchant associated with the delivering entity as being in violation of one or more rules or regulations regarding the usage and collection of e-mail addresses.. . ... Mastercard International Incorporated

08/25/16 / #20160248480

Methods and apparatus for consumer testing of an nfc device

Near-field communication (nfc) test apparatus and methods for use by a consumer to confirm the functionality of the nfc circuitry the consumer's nfc-enabled mobile device, and/or to troubleshoot nfc communications problems of the mobile device. In an embodiment, a nfc test apparatus includes a mobile device package, at least one nfc tag configured for communications with nfc circuitry of a mobile device, and a support substrate that has an indicator to ensure correct positioning of the mobile device during a self-testing procedure. ... Mastercard International Incorporated

08/25/16 / #20160247174

Systems and methods for generating dynamic spend ranges

Systems and methods of providing dynamically calculated spend ranged segmentations are disclosed. Payment account transaction data is selectively chosen based upon time of payment, whether the payment account associated with a portable consumer device is activated, account type, and geographic location where each account was issued. ... Mastercard International Incorporated

08/25/16 / #20160247143

Method and system for authentication of payment card transactions

A method and a system are provided for authenticating secure payment card transactions and verifying and validating payment card user identities. The method includes determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle (e.g., a driverless vehicle or a drone) bearing a processing device that is approaching a payment area (e.g., a toll road, a refueling station, or a retail store). ... Mastercard International Incorporated

08/25/16 / #20160247134

Transmitting disbursements from a commercial financial account

A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. ... Mastercard International Incorporated

08/25/16 / #20160246804

Methods and systems for processing files

The present disclosure relates to methods and systems for processing files containing record data. The method comprising splitting the record data into several record data parts and storing the record data parts in a database, for each of the record data parts, adding an entry identifying the record data part to one of one or more queues, for each of the entries added to the one or more queues, retrieving the entry and processing the record data part identified by the entry by one of a plurality of processing servers. ... Mastercard International Incorporated

08/18/16 / #20160239887

Age verification through mobile wallet method and apparatus

A system, method, and computer-readable storage medium configured to verify minimum age of accountholders, to enable age restrictions on purchases.. . ... Mastercard International Incorporated

08/18/16 / #20160239853

Method and system for providing insights to merchants based on consumer transaction history

A method for providing insight metrics for transaction behavior includes: storing account profiles, each including a profile identifier and transaction data entries including transaction data related to a payment transaction; receiving a first data file including a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers; identifying, for each account identifier of the group, a related account profile based on a correspondence between the profile identifier and the respective account identifier; identifying metric values for each identified account profile, wherein each metric values is associated with a desired metric and is based on the transaction data included in each transaction data entry included in the respective account profile; generating a second data file including at least the account identifier corresponding to each identified account profile; and transmitting the generated second data file.. . ... Mastercard International Incorporated

08/18/16 / #20160239847

Systems and methods for processing support messages relating to features of payment networks

Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. ... Mastercard International Incorporated

08/18/16 / #20160239846

Payment networks and methods for processing support messages associated with features of payment networks

Networks and methods are provided for processing support messages related to one or more features of a payment network. In connection therewith, a support message is initially received from a customer of the payment network, including text related to an issue encountered by the customer with one or more features of the payment network. ... Mastercard International Incorporated

08/11/16 / #20160232606

Systems and methods for use in providing lending products to consumers

Systems and methods are directed toward providing lending products to consumers, whose credit records are limited or nonexistent (e.g., unbanked consumers, underbanked consumers, etc.), based on purchasing behaviors of the consumers (with or without separate credit evaluation). In connection with providing the lending products, purchase data is initially received from a merchant for products purchased from the merchant by the consumers. ... Mastercard International Incorporated

08/11/16 / #20160232576

Cardholder affluence measurement method and apparatus

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

08/11/16 / #20160232557

Systems and methods for managing purchase transactions performed by members of groups

Systems and methods are provided for managing purchase transactions by members of a group, where the group includes multiple members. In connection with the systems and methods, transaction data is accessed, via a processor, for a purchase transaction by a member of the group. ... Mastercard International Incorporated

08/11/16 / #20160232545

System and method for detecting changes of employment

Systems and methods of generating a marketing target list based on information in a collection of payment card transaction data. An iterative querying process is configured to identify payment card holders who have recently experienced a job change by recognizing certain patterns in payment card transaction data that are correlated with changes of employment. ... Mastercard International Incorporated

08/11/16 / #20160232525

Online form fill for tokenized credentials

A request may be received for a transaction. In response to the request, a nonce value may be generated. ... Mastercard International Incorporated

08/11/16 / #20160232524

Systems and methods for managing transactions to group accounts

Systems and methods for managing payment network transactions to a group account associated with a group are disclosed. One example system includes a memory including a data structure. ... Mastercard International Incorporated

08/11/16 / #20160232501

Bulk payments system and method

A system, method, and computer-readable storage medium configured to reduce the computational burden of commercial enterprises supplying bulk payment fees.. . ... Mastercard International Incorporated

08/04/16 / #20160225022

Method to stop serving re-targeting ads to a consumer by leveraging a purchase signal from transaction data

The disclosure herein concerns facilitating a transaction for a user, storing information about the nature of the transaction on a financial institution server, generating a stop targeting cookie based on the nature of the transaction, and placing the stop targeting cookie on a user's browser. The disclosure also concerns utilizing an electronic data structure representing the content of a transaction by a user of an electronic commerce site from a financial institution server that facilitated the transaction. ... Mastercard International Incorporated

08/04/16 / #20160225011

Selecting the best card for a purchase

The present disclosure tracks purchases and rewards for users of credit cards, debit cards or other trackable accounts. When a user is ready to purchase an item, such as an item at a retail store, a terminal at the store contacts a system for information concerning credit cards, debit cards and other accounts of the person. ... Mastercard International Incorporated

08/04/16 / #20160224982

Visa compliance monitoring system

A computer implemented method, at a processor, of tracking visa compliance of a person, the method comprising the steps of: receiving and storing payment card data associated with a payment card associated with the person; receiving and storing visa data associated with a country and the person; identifying transaction data containing a date and a location of transactions performed using the payment card; and creating immigration status data associated with the person based on the visa data and the transaction data.. . ... Mastercard International Incorporated

08/04/16 / #20160224981

Automatic registration and generation of consumer payment credentials using internet-connected appliances

Methods and systems for generating consumer payment credentials using an internet-connected appliance. In an embodiment, a primary internet-connected appliance receives purchase transaction information from a secondary appliance. ... Mastercard International Incorporated

08/04/16 / #20160224964

Systems and methods for managing payment account holders

Systems and methods for payment card account portfolio monitoring and optimization that provide issuer financial institutions (fis) with account holder recommendations about whether or not to take action with respect to one or more of their payment account holders. In some embodiments, the process includes extracting, by a recommendation engine from a payment card transaction database, payment account transaction data of a plurality of payment card accounts, aggregating the payment account transaction data, calculating a payment card account product profitability proxy amount for each payment card account, executing an adaptive optimization process, generating a recommendations file, and then transmitting the recommendations file to an issuer fi computer.. ... Mastercard International Incorporated

08/04/16 / #20160224958

Sliding scale payments system and method

A system, method, and computer-readable storage medium configured to reduce the computational burden of commercial enterprises supplying sliding scale fees.. . ... Mastercard International Incorporated

07/28/16 / #20160219015

Systems and methods for centralized domain name system administration

A domain name service (dns) administration computer system for centralized dns administration includes at least one processor. The processor is configured to identify a first administrative action to be performed on a first dns server. ... Mastercard International Incorporated

07/28/16 / #20160217470

Systems and methods for enhanced fraud detection based on transactions at potentially compromised locations

A computer-implemented method for enhancing fraud detection based on transactions at potentially compromised locations is provided. The method includes determining a list of potentially compromised transaction locations, storing the list of potentially compromised transaction locations, and receiving from a first transaction location a first authorization request message for a first transaction. ... Mastercard International Incorporated

07/28/16 / #20160217467

Security for mobile payment applications

A mobile computing device having 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 mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.. . ... Mastercard International Incorporated

07/28/16 / #20160217455

Payment cards for multiple accounts, and methods associated therewith

Provided is a payment card for multiple accounts. The card comprises a card member; a plurality of programmable chips, at least one of which is releasably attached to the card member; each programmable chip has an associated personal identification number (pin); and a control chip operable for selecting one of the programmable chips to be active during a transaction.. ... Mastercard International Incorporated

07/21/16 / #20160210608

Merchant interface for transaction-related services

A method includes receiving, from a merchant, transaction data and supplemental data relating to a payment account transaction. The method further includes accessing at least one service selection rule. ... Mastercard International Incorporated

07/21/16 / #20160210594

Systems and methods for daily task optimization

A system and method is disclosed for determining an optimized sequence of visits by a consumer to a plurality of merchant locations irrespective of travel distance. The system is configured to receive, from the consumer, errand data including start time and start and finish location and a plurality of merchant locations to visit. ... Mastercard International Incorporated

07/14/16 / #20160203551

Method and system for using payment transaction data in loan sourcing

A method for assisting in loan brokering using transaction data includes: storing a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least an account identifier and transaction data corresponding to a plurality of payment transactions involving the related transaction account; receiving a loan request from an entity, wherein the loan request includes a specific account identifier associated with the entity and one or more requested terms; receiving a data request from a loan provider; identifying a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier; and transmitting at least the one or more requested terms included in the received loan request and the transaction data included in the identified specific account profile to the loan provider in response to the received data request.. . ... Mastercard International Incorporated

07/14/16 / #20160203549

Method and system for accounts receivable optimization

A method that includes providing at least one account; calculating a receivable management optimization score for the at least one account based on at least one financial parameter; determining one or more receivable management optimization strategies for the at least one account based on the calculated receivable management optimization score; and applying the one or more receivable management optimization strategies to the at least one account. A system that includes one or more databases including at least one account; and a processor configured to: calculate a receivable management optimization score for the at least one account based on at least one financial parameter; determine one or more receivable management optimization strategies for the at least one account based on the calculated receivable management optimization score; and apply the one or more receivable management optimization strategies to the at least one account.. ... Mastercard International Incorporated

07/14/16 / #20160203484

Method and system for retry processing of controlled payment transactions

A method for retrying processing of a controlled payment transaction includes: storing, in a first database, account profiles, each including data related to a transaction account including an account identifier and account controls; storing, in a second database, the account profiles stored in the first database, wherein data in each account profile in the second database corresponds to data in the corresponding account profile in the first database; receiving an authorization request for a transaction, the request including a specific account identifier and transaction data; determining an approval or denial of the transaction based on the account controls included in a profile in the second database including the specific account identifier and the transaction data if an attempt to determine approval or denial based on the account controls included in a corresponding account profile in the first database fails; and processing the payment transaction based on the determination.. . ... Mastercard International Incorporated

07/07/16 / #20160198301

Validating services business addresses from payments and geolocation data

Systems, methods, and computer program products are provided for determining on a web map whether a business exists at a given location. A specialized computing device receives a possible geographic location indicating where the business may be. ... Mastercard International Incorporated

07/07/16 / #20160196566

Methods and systems of validating consumer reviews

Systems and methods are provided for validating reviews, by comparing transaction data for consumers to details included in the reviews. Initially, a request is received to validate a review provided by an individual via a review entity. ... Mastercard International Incorporated

06/16/16 / #20160171570

System and method for payment, data management, and interchanges for use with global shopping cart

A payment interchange for use in a global shopping cart and a method for its use are provided. Also, provide is management of data relationships between a global online shopping cart and various manager components that encompass data management access. ... Mastercard International Incorporated

06/16/16 / #20160171502

System and method for performing automatic payment transactions

A method and system of conducting a payment transaction including receiving, by a payment platform, a verification query including payment profile identification information and a payment request. The payment request includes merchant information. ... Mastercard International Incorporated

06/16/16 / #20160171498

Systems and methods for fraud detection by transaction ticket size pattern

A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (pos) device and a merchant website, the transaction information including a current transaction amount, the transaction information associated with a single payment card cardholder, retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information, and generating a historical spend ticket size pattern based on average ticket size and dispersions for at least one of the same store, similar stores, and relevant merchant categories. ... Mastercard International Incorporated

06/16/16 / #20160171477

Payment system with reduced user interaction

A method for facilitating automatic payment in a payment system requires less interaction by both the credit card user and store clerks than current payment systems. At least one secure geographic location is specified, where payments within a payment system are to be authorized. ... Mastercard International Incorporated

06/09/16 / #20160162986

Systems and methods for determining a value of commercial real estate

A computer-implemented method for evaluating real estate assets is implemented by a real estate evaluation computing device in communication with a memory. The method includes receiving a set of property factors, receiving a set of income factors, receiving a previous real estate rating for the real estate asset, receiving a set of merchant data associated with the merchant, the set of merchant data including a set of transaction data, determining a merchant revenue forecast based at least in part on the set of merchant data, determining a present real estate rating, determining that a difference between the present real estate rating and the previous real estate rating exceeds a rating threshold indicating a possible change in value of the real estate asset, and transmitting an alert to a user device indicating the possible change in value of the real estate asset.. ... Mastercard International Incorporated

06/09/16 / #20160162918

Method and system for identifying geographic-based lifestyle information

A method for identifying geographic-based lifestyle groups includes: storing consumer profiles, each profile including data related to consumers including a geographic location and consumer characteristics and purchase behaviors; receiving a lifestyle group request, the request including a geographic indicator; identifying a plurality of geographic areas based on the geographic indicator; identifying a group of consumer profiles for each geographic area where the geographic location is included in the respective geographic area; identifying a consumer lifestyle for each geographic area based on a correspondence between consumer characteristics and/or purchase behaviors included in a lifestyle rule associated with the respective consumer lifestyle and the consumer characteristics and purchase behaviors included in each consumer profile in the area's group of consumer profiles; and transmitting data associated with the identified plurality of geographic areas and corresponding identified consumer lifestyle in response to the received lifestyle group request.. . ... Mastercard International Incorporated

06/09/16 / #20160162893

Open, on-device cardholder verification method for mobile devices

An open, on-device cardholder verification method (“cvm”) controller may receive cvm policies from issuers and store the policies in a database. The open, on-device cvm controller may then receive a request from a remote mobile device, and automatically determine at least one issuer associated with the request. ... Mastercard International Incorporated

06/09/16 / #20160162886

Method and system for identifying merchants selling ransomware

A method for identifying a merchant associated with ransomware includes: storing, in a profile database, a plurality of merchant profiles, wherein each merchant profile is related to a merchant and includes at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes a specific merchant identifier associated with a merchant involved in the payment transaction, and the payment transaction is initiated by a computing device infected with one or more ransomware application programs; identifying, by a processing device, a specific merchant profile in the profile database where the included merchant identifier corresponds to the specific merchant identifier included in the received authorization request; and updating, by the processing device, the specific merchant profile in the profile database to include an indication that the related merchant is associated with the distribution of the one or more ransomware application programs.. . ... Mastercard International Incorporated

06/09/16 / #20160162883

Methods and apparatus for conducting secure magnetic stripe card transactions with a proximity payment device

Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device. ... Mastercard International Incorporated

06/09/16 / #20160162869

System and method of facilitating cash transactions at an atm system without an atm card using mobile

A system, method, and computer-readable storage medium configured to facilitate cash transactions at an automated teller machine when an atm card is not present. The system allows a customer of a first bank to use an atm of a different bank and still facilitate the atm transaction without an atm card present.. ... Mastercard International Incorporated

06/09/16 / #20160162810

Cardholder travel detection with internet service

A system, method, and computer-readable storage medium configured to identify travel by payment cardholders using an internet service, and more particularly to reduce fraudulent transactions involving payment cards by generating a white list for travel associated with a payment cardholder.. . ... Mastercard International Incorporated

06/02/16 / #20160155124

Methods and systems for updating expiry information of an account

A method for updating expiry information of an account is provided. Additionally, a prediction computing device for updating expiry information of an account is provided. ... Mastercard International Incorporated

06/02/16 / #20160155112

Barcode-triggered payment method and system

A first mobile phone is used to scan a barcode to launch a first mobile payment application on the first mobile device. A payment request is transmitted from the first mobile device to a second mobile device. ... Mastercard International Incorporated

05/26/16 / #20160148406

Detecting real estate vacancies using satellite imagery

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. ... Mastercard International Incorporated

05/26/16 / #20160148296

Method and system for providing a profile associated with a cardholder

A computer-implemented method for providing a profile associated with a cardholder to a suggestion computing device is provided. The method is implemented using a computing device in communication with one or more memory devices. ... Mastercard International Incorporated

05/26/16 / #20160148258

Method and system for recommending a merchant based on transaction data

A computer-implemented method for recommending a merchant based on transaction data is provided. The method is implemented using an analyzer computing device in communication with one or more memory devices. ... Mastercard International Incorporated

05/26/16 / #20160148257

Systems and methods for recommending vacation options based on historical vacation data

A computer-implemented method for recommending vacation options based on historical vacation data is implemented by a vacation recommendation computer device. The method includes receiving a plurality of transaction data associated with a cardholder, identifying vacation transaction data from the plurality of transaction data, processing the vacation transaction data to determine a plurality of cardholder vacation characteristics, determining a vacation profile based on the plurality of cardholder vacation characteristics, identifying a plurality of cardholders with associated vacation profiles that match the vacation profile, receiving a plurality of vacation options including at least one vacation attribute, retrieving a vacation history associated with each of the identified plurality of cardholders, identifying at least one vacation option responsive to the cardholder by comparing the plurality of cardholder vacation characteristics to the at least one vacation attribute, and recommending the at least one identified vacation option to the cardholder.. ... Mastercard International Incorporated

05/26/16 / #20160148256

Systems and methods for recommending vacation options based on historical transaction data

A computer-implemented method for recommending vacation options based on transaction data is implemented by a vacation recommendation computer device in communication with a memory. The method includes receiving a plurality of transaction data associated with a cardholder, processing the plurality of transaction data to determine a plurality of cardholder vacation characteristics, receiving a plurality of vacation options including at least one vacation attribute, identifying at least one vacation option responsive to the cardholder by comparing the plurality of cardholder vacation characteristics to the at least one vacation attribute, and recommending the at least one identified vacation option to the cardholder.. ... Mastercard International Incorporated

05/26/16 / #20160148234

Method and system for estimating a price of a trip based on transaction data

A computer-implemented method for estimating a price of a candidate trip based on transaction data is provided. The method includes generating a profile associated with a first cardholder, based at least in part on stored first transaction data associated with one or more purchases made by the first cardholder through a payment network. ... Mastercard International Incorporated

05/26/16 / #20160148220

Method and system for impact modeling of brand repulsion

A method for identifying repulsive brands includes: storing a plurality of brand profiles, each brand profile including data related to a brand including a brand identifier and a plurality of competitor brand identifiers associated with competitors to the related brand; storing a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving a consumer including a specific brand identifier associated with a brand involved in the related payment transaction; identifying an associated brand profile for each transaction data entry where the included brand identifier corresponds to the specific brand identifier included in the respective transaction; and identifying repulsive brands based on inclusion of an associated competitor brand identifier in the competitor brand identifiers included in each associated brand profile identified for each transaction data entry in the transaction database.. . ... Mastercard International Incorporated

05/26/16 / #20160148219

Systems and methods for providing consumer networks based on transaction data for consumers

Systems and methods are directed toward providing a consumer network, and links between consumers in the network, based on transaction data for consumers. The system generally includes a memory having a data structure of consumers and transaction data associated with the consumers, and a processor coupled to the memory. ... Mastercard International Incorporated

05/26/16 / #20160148195

Method and system for hybrid transportation-enabled payment card

A method for processing a payment transaction using a hybrid payment card includes: storing an account profile, the profile including data related to a hybrid payment card including a prepaid balance and a credit allowance; receiving a validation request, the request including a transaction amount; processing the received validation request, the processing including: generating a positive validation response and a validation transaction that indicates payment is made using the prepaid balance if the prepaid balance is greater than the transaction amount, generating a positive validation response and a validation transaction that indicates payment is made using the credit allowance if the prepaid balance is less than the transaction amount and if the credit allowance is greater than the transaction amount, and generating a negative validation response if the prepaid balance and credit allowance are less than the transaction amount; and transmitting the generated validation response.. . ... Mastercard International Incorporated

05/26/16 / #20160148092

Systems and methods for determining activity level at a merchant location by leveraging real-time transaction data

Systems and methods provide information regarding the activity level associated with a point of interest. Authorization records can be stored regarding electronic/cashless payment transactions at one or more points of interest. ... Mastercard International Incorporated

05/19/16 / #20160140774

Method and system for wireless payment for parking

A method and a system are provided for wireless payment of parking fees or other charges for a vehicle. The method includes determining the location of the vehicle with a wireless communication device having a parking software application (app). ... Mastercard International Incorporated

05/19/16 / #20160140759

Augmented reality security feeds system, method and apparatus

A system, method, and computer-readable storage medium configured to collect and aggregate images using augmented reality.. . ... Mastercard International Incorporated

05/19/16 / #20160140666

Method and system for indexing return of goods to a merchant

A method and a system are provided for indexing returns of goods by a payment card holder to a merchant. The method includes retrieving a first set of information including payment card transaction information of a plurality of payment card holders; retrieving a second set of information including merchant information of a plurality of merchants; creating one or more benchmarks for a rate of return of goods by a plurality of payment card holders to a plurality of merchants; identifying a second rate of return of goods by a plurality of payment card holders to a selected merchant; and generating one or more indices based on the one or more benchmarks for the rate of return of goods by the plurality of payment card holders to the plurality of merchants and the second rate of return of goods by the plurality of payment card holders to the selected merchant.. ... Mastercard International Incorporated

05/19/16 / #20160140665

Method and system of improving the integrity of location data in records resulting from atm-based single message transactions processed over a payment network

A method and system are provided herein of improving the integrity of location data in records resulting from atm-based single message transactions processed over a payment network including: electronically storing records on a specialized computing device, the records resulting from atm-based single message transactions processed over a payment network; geocoding location data in the records to generate geocoded records which are electronically stored on the specialized computing device; extracting at least two details from a first of the geocoded records; and, comparing, using a special purpose database management system, the at least two details with data structures maintained in a special purpose database of atm-related information generated independently of the records resulting from the atm-based single message transactions. Advantageously, the subject invention allows for the integrity of the details of the processed transactions to be improved, in reporting to users, to minimize confusion and challenges of fraud.. ... Mastercard International Incorporated

05/19/16 / #20160140655

System and method for automatically verifying user information for use in underwriting

According to some embodiments, an applicant may be identified at a lender. One or more existing payment products of the applicant may be identified. ... Mastercard International Incorporated

05/19/16 / #20160140652

Methods and systems for determining an asset divestiture using asset data

A network-based computer system for determining an asset divestiture of a financial institution based on asset data is described. The system includes at least one processor in communication with at least one memory. ... Mastercard International Incorporated

05/19/16 / #20160140646

Connected consumables preparation area

According to one aspect there is provided a consumables preparation area comprising an electronically stored consumables inventory update initiator, said update initiator: comprising one or more of: a barcode scanner, a quick response (qr) code scanner, a radio-frequency identification (rfid) tag reader, a scanner configured for optical character recognition (ocr) and digital scales; and being configured for use within the dwelling or establishment in which said consumables are to be transformed for use. According to another aspect there is provided a method of updating an electronically stored consumables inventory using such a consumables preparation area.. ... Mastercard International Incorporated

05/19/16 / #20160140562

Systems and methods for detecting transaction card fraud based on geographic patterns of purchases

A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.. ... Mastercard International Incorporated

05/19/16 / #20160140558

Providing online cardholder authentication services on-behalf-of issuers

Methods and systems for providing cardholder authentication services on-behalf-of (obo) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an obo issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. ... Mastercard International Incorporated

05/19/16 / #20160140557

E-commerce based payment system with authentication of electronic invoices

A payment website coordinates payment transactions related to purchases by account holders from merchants. Merchants may open transactions and request authorization from the account holders' account issuers. ... Mastercard International Incorporated

05/19/16 / #20160140556

Method and system for determining affiliation of foreign payment card holders with domestic educational institutions

A method and a system are provided determining affiliation of foreign payment card holders (e.g., students) with domestic educational institutions (e.g., universities and colleges). In particular, the present disclosure provides a method and a system for assessing the relative degree of proximity of the residential geolocation of the foreign payment card holders and the geolocation of the domestic educational institutions to facilitate determining whether the foreign payment card holders are affiliated with the domestic educational institutions, and also for assessing purchasing and payment behavior of the foreign payment card holders at domestic merchants. ... Mastercard International Incorporated

05/19/16 / #20160140544

Systems and methods for effectively anonymizing consumer transaction data

Systems and methods are described that anonymized consumer transaction data in such manner to prevent de-anonymization to reveal personally identifiable information (pii) of the consumers. The process includes selecting particular consumer transaction data, generating a dictionary of items, generating consumer groups, matching consumer transaction data for each consumer to a group, forming modifiable consumer transaction histories, and quantifying a similarity between consumer groups. ... Mastercard International Incorporated

05/19/16 / #20160140535

Payment systems and methods for managing payment card use

A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier.. . ... Mastercard International Incorporated

05/19/16 / #20160140526

Smart appliance processing system and associated methods

Smart appliance processing systems and methods for enabling dynamic control and management of electronically stored consumables inventories are provided. A smart server acquires electronically from a merchant product data concerning one or more consumables acquired at the merchant during one or more purchase transactions conducted by a customer in association with an identifier of the customer. ... Mastercard International Incorporated

05/19/16 / #20160140525

Storing transaction details for mobile telephone top ups via automatic teller machines

Methods and apparatus for operating an automatic teller machine (atm) to perform a mobile telephone top up. In an embodiment, a card reader associated with an atm processor reads a card account number and receives, via an input device, an indication from the cardholder to perform a mobile telephone top up transaction. ... Mastercard International Incorporated

05/19/16 / #20160140465

Workflow integration

A method of constructing a workflow is described. The method is carried out by a programmed processor and a memory of a computing apparatus using a workflow processing language. ... Mastercard International Incorporated

05/19/16 / #20160140311

System and method for conducting real time active surveilance of disease outbreak

A system and method is disclosed for the real-time active surveillance of disease. The system generates an outbreak detection model by analyzing the spending records of individuals who are known to be infected to identify purchases and purchase patterns that correlate to infection in the population with a disease. ... Mastercard International Incorporated

05/19/16 / #20160140026

Systems and methods for selection of test cases for payment terminals

The present disclosure proposes a computer implemented method for selecting test cases to be executed on a terminal by creating a configuration code and applying this code to a set of test case selection tuples. The present disclosure also proposes a method for automatically creating a set of test case selection tuples, taking a source code as an input. ... Mastercard International Incorporated

05/12/16 / #20160134720

Using data from social networks to build account holder profiles

The present disclosure relates to a computer implemented method of building a profile for an account holder 101. The method comprises the steps of: accessing, by a computer, information from one or more social networking accounts 103, the social networking accounts being associated with the account holder; incorporating, by a computer, the information into the profile of the account holder 101; and utilising the information when determining, by a computer, at least one of: a risk score of a transaction, targeted special offers, and targeted goods and services that could be of interest to the account holder.. ... Mastercard International Incorporated

05/12/16 / #20160132908

Methods and apparatus for transaction prediction

A system, method, and computer-readable storage medium configured to enable transaction-related user behavior modeling of individuals based on their payment card purchases. The user behavior modeling can provide predictions on next transaction information. ... Mastercard International Incorporated

05/12/16 / #20160132887

Systems and methods for detecting compromised automated teller machines

A computer-implemented method for detecting compromised automated teller machines is provided. The method includes receiving activity data from an atm, activity data including user input data and machine data, wherein user input data includes instructions input by a user at the atm during a transaction, and wherein machine data is associated with processes performed by the atm; storing operating parameter rules in the memory, the operating parameter rules configured to indicate whether the received activity data is within a normal activity range for the atm; applying the received activity data to the operating parameter rules; generating an activity score for the atm based on the applying, wherein the activity score is configured to indicate a likelihood that the atm is compromised; and initiating a response based on the activity score.. ... Mastercard International Incorporated

05/12/16 / #20160132879

System and method for enforcing differential pricing

Systems and methods are provided for enforcing differential pricing and other pricing structures using a payment network. One embodiment of the payment network includes a server, a processor, and a memory module that includes stored computer program code. ... Mastercard International Incorporated

05/12/16 / #20160132867

System and method for split payment card account transactions

A method includes receiving a first account indicator, where the first account indicator identifies a first financial account. The method further includes receiving a second account indicator, which identifies a second financial account. ... Mastercard International Incorporated

05/12/16 / #20160132857

Systems and methods for determining an actual geograhpic location of a payment transaction

A computer-implemented method for determining an actual geographic location of a payment transaction is provided. The method uses an actual geographic location analyzer computer device in communication with a memory. ... Mastercard International Incorporated

05/12/16 / #20160132761

Payment card having light-emitting diode indicators coordinated with stored payment applications

In an ic (integrated circuit) card, a selection signal is received from a user-actuatable switch to select between two different payment card accounts, each represented by a respective account indicator number stored in the ic component of the card. In response to the selection signal, a light-emitting diode indicator on the ic card is illuminated to indicate selection of a corresponding one of the payment card accounts.. ... Mastercard International Incorporated

05/05/16 / #20160127011

Inductive coupling for battery sharing and multi-function inductive antenna

A mobile device includes a housing and an antenna. The mobile device further includes a power-receiving circuit, and power-transmitting circuit, and a short-range communications circuit. ... Mastercard International Incorporated

05/05/16 / #20160125529

System and method for real-time chargeoff monitoring

A payment network for real-time chargeoff monitoring includes a server and at least one memory module storing computer program code. The at least one memory module and the stored computer program code are configured to, with at least one processor, cause the server to receive a set of credit bureau files and a set of transaction processor files. ... Mastercard International Incorporated

05/05/16 / #20160125485

System, method and apparatus to forecast energy demand from payment data summary

A system, method, and computer-readable storage medium to forecast energy demand from payment data.. . ... Mastercard International Incorporated

05/05/16 / #20160125441

Method and system for tracking consumer confidence based on transaction data

A method of generating a more objective consumer confidence and more particularly to tracking consumer confidence objectively based on data regarding past transactions.. . ... Mastercard International Incorporated

05/05/16 / #20160125433

Method and system for data forecasting using time series variables

A method for identifying relationships between time series variables includes: storing a plurality of transaction data entries, each including a transaction time and transaction data; receiving a data request including a time period, time interval, a requestor time series variable, and a data value for each interval during the period; calculating for each of a plurality of processor time series variables, a data value for each interval during the period, the data values based on the transaction data and transaction times included in the transaction data entries; identifying a related processor time series variable based on a correspondence between the data value for each interval during the period for the variable and the data value for each interval during the period for the requestor time series variable; and transmitting the identified at least one related processor time series variable and the respective data values for each interval during the period.. . ... Mastercard International Incorporated

05/05/16 / #20160125427

Method and system for linking personal needs and spend behavior

A method for identifying relationships between consumer and merchant service characteristics includes: storing consumer profiles that include consumer characteristics associated with a consumer and transaction data for transactions involving the associated consumer and a specified merchant; storing merchant profiles that include service characteristics associated with a merchant; identifying a group for each consumer characteristic that includes consumer profiles having that consumer characteristic; identifying a group for each service characteristic that includes merchant profiles having that service characteristic; and identifying characteristic relationships that include a consumer characteristic and service characteristic based on transaction data included in consumer profiles in the consumer group of the consumer characteristic that involve merchants associated with merchant profiles in the merchant group of the service characteristic.. . ... Mastercard International Incorporated

05/05/16 / #20160125400

Systems and methods for geo component fraud detection for card-present transactions

A method and system for evaluating a card-present payment card transaction for fraud using a computer device coupled to a database are provided. The method includes determining a home activity region for a cardholder using payment card transaction data for the cardholder, receiving a payment card transaction authorization request, and determining a payment card activity location of the received payment card transaction authorization request. ... Mastercard International Incorporated

05/05/16 / #20160125337

Transaction derived in-business probability modeling apparatus and method

A system, method, and computer-readable storage medium configured to process, analyze, and model of large amounts of data resulting in improved functionality over a generic computer.. . ... Mastercard International Incorporated

04/28/16 / #20160117895

Receipt processing and access service

A method including receiving a query request for a registration status of a payment account number (pan) with an electronic receipt service; determining, in reply to the query request, whether the pan is registered with the electronic receipt service; determining an electronic receipt handling option associated with the pan; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the pan of the query request is to be sent.. . ... Mastercard International Incorporated

04/28/16 / #20160117781

Inferred matching of payment card accounts by matching to common mobile device via time and location data analysis

Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. ... Mastercard International Incorporated

04/28/16 / #20160117723

Cardholder offer targeting and merchant profiling using personal characteristic data

A method includes receiving personal characteristic data for a population of holders of payment card accounts. In addition, the method may include receiving payment card account transaction data associated with a merchant. ... Mastercard International Incorporated

04/28/16 / #20160117705

Method and system for identifying future movement based on past transactions

A method for generating consumer travel paths based on transaction history includes: storing transaction data for a plurality of payment transactions, the data including a geographic location, transaction time and/or date, and consumer identifier; receiving a specific geographic area for which movement is requested; identifying a payment transaction set that includes transaction data for a set of payment transactions that include a common consumer identifier, a geographic location corresponding to the received specific geographic area, and a transaction time and/or date included within a predetermined period of time; generating a travel path based on at least the geographic location and transaction time and/or date included in the transaction data for each payment transaction included in the payment transaction set; and predicting a future travel path based on at least the generated travel path.. . ... Mastercard International Incorporated

04/28/16 / #20160117689

Process and apparatus for assigning a match confidence metric for inferred match modeling

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, removing data associated with an identifier field for each of the transactions in the first 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 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. The probabilistic engine may assign probability scores to pairs of data profiles based on two-way matching of transactions and based at least partly on matching of transactions to nearest neighbors.. ... Mastercard International Incorporated

04/28/16 / #20160117688

Methods and systems for estimating visitor traffic at a real property location

A computer-implemented method for estimating visitor traffic at a real property location based on interrogation signal data is provided. The method includes receiving, by one or more processors, a real property location, defining a geographic region that includes the real property location, receiving, by the one or more processors, interrogation signal data for a group of mobile devices included within the plurality of mobile devices, determining a location of each of the mobile devices included within the group of mobile devices over the selected period of time based on the received interrogation signal data, and estimating visitor traffic for the real property location over the selected period of time based on the location of each of the mobile devices included within the group of mobile devices.. ... Mastercard International Incorporated

04/07/16 / #20160098789

Predicting account holder travel without transaction data

A system, method, and computer-readable storage medium configured to anticipate travel by payment account holders without using payment transaction data.. . ... Mastercard International Incorporated

04/07/16 / #20160098705

Credit card with built-in sensor for fraud detection

A card includes a sensor system for fraud detection. A method of fraud detection includes flagging suspicious activity on a transaction card and prompting a user to take a self-image or a voice recording with the credit card.. ... Mastercard International Incorporated

04/07/16 / #20160098699

User-friendly mobile payments system

A method includes receiving a transaction request, which includes merchant data that identifies a merchant. The merchant data is translated into an account number for the merchant. ... Mastercard International Incorporated

03/31/16 / #20160092981

Apparatus, method, and computer program product for extracting insights from bill presentment data

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

03/31/16 / #20160092908

Method and system for processing automatic product discounts at point of sale

A method for processing account and product linked offers includes: storing data related to a payment transaction including a transaction amount, product data associated with one or more products, and account data associated with a transaction account; transmitting an offer data request, wherein the offer request includes the stored product data and account data; receiving offer data in response to the transmitted offer data request, wherein the offer data includes a transaction modifier and is associated with the stored product data and account data; calculating a modified transaction amount based on the stored transaction amount and the transaction modifier included in the received offer data; and transmitting the calculated modified transaction amount and account data for use in processing a payment transaction.. . ... Mastercard International Incorporated

03/31/16 / #20160092896

Method and system for determining political affiliation and attitude trends

A method and a system are provided for determining political affiliation and/or attitude trends of a plurality of payment card holders. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information of a plurality of payment card holders, and retrieving from the one or more databases a second set of information comprising external information. ... Mastercard International Incorporated

03/31/16 / #20160092895

Method and system for identifying merchant market shares based on purchase data

A method for identifying consumer segment market shares for a merchant includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a measurement key and plurality of transaction data entries associated with a transaction involving the consumer, each including a merchant identifier for a merchant involved in the transaction; receiving a specific merchant identifier and consumer segments, each segment including a plurality of measurement keys each associated with a consumer; identifying, for each segment, consumer profiles in the database that include a measurement key corresponding to one of the associated keys; calculating, for each segment, a market share based on data included in transaction data entries in each associated consumer profile that includes the specific merchant identifier and transaction data entries in each associated consumer profile that does not include the specific merchant identifier; and transmitting the calculated market share for each segment.. . ... Mastercard International Incorporated

03/31/16 / #20160092878

Method and apparatus for streamlined digital wallet transactions

A method includes maintaining a digital wallet in a computer, and receiving a request for a transaction. The computer may receive and verify user authentication data, and then allow the user to access any payment card account in the digital wallet without requiring additional user authentication, regardless of the account selected for the transaction by the user. ... Mastercard International Incorporated

03/31/16 / #20160092876

On-device shared cardholder verification

A payment device includes an application storage device for storing a plurality of payment applications and a capture module for capturing user verification information. The payment device also includes a verification module. ... Mastercard International Incorporated

03/31/16 / #20160092875

Product authentication over a payment network

Systems and methods are provided for authenticating a product over a payment network. A product identifier associated with a product to be authenticated may be included or appended to a conventional authorization request message or clearing message during processing of a payment transaction. ... Mastercard International Incorporated

03/31/16 / #20160092873

Systems and methods for processing and monitoring rebates

A computer-based method for processing and monitoring rebates associated with a cardholder is provided. The method includes storing data including a plurality of cardholder profiles each associated with a cardholder enrolled in a rebate monitoring service and a plurality of payment card identifiers each associated with one of the cardholders. ... Mastercard International Incorporated

03/31/16 / #20160092654

Systems and methods for fitness reporting using payment cards

A computer-implemented method for tracking fitness data of a cardholder by using a fitness payment card and a fitness tracking computing device is provided. The method includes storing registration data, wherein the registration data includes an account identifier associated with the fitness payment card and the cardholder. ... Mastercard International Incorporated

03/24/16 / #20160086284

System and method for providing revenue protection based on weather derivatives and merchant transaction data

Processor-executable methods, computing systems, and related processing for the creation, transaction, administration, management and communication of data relating to weather-related guarantees or revenue protection policies for mitigating the risk of loss of recurrent merchant revenue due to one or more weather conditions, based on analysis of revenues resulting from payment card transactions associated with the merchant.. . ... Mastercard International Incorporated

03/24/16 / #20160086183

Trust management in transaction systems

The disclosure provides a method of updating time in a transaction between a transaction device and an offline terminal. Firstly, a transaction is initiated (401) between a transaction device and an offline terminal. ... Mastercard International Incorporated

03/24/16 / #20160086182

System, method and apparatus to detect fraud in travel transactions

A system, method, and computer-readable storage medium to detect payment card fraud in travel transactions.. . ... Mastercard International Incorporated

03/24/16 / #20160086172

Trusted execution environment for transport layer security key pair associated with electronic commerce and card not present transactions

According to some embodiments, a requesting application executing on a mobile device may request a transport layer security key pair in connection with a payment transaction. Responsive to the request, a trusted execution environment client of the mobile device may route a request to a payment application executing in a secure trusted execution environment of the mobile device. ... Mastercard International Incorporated

03/24/16 / #20160086163

Method and system for processing a fuel transaction

A user is allowed to select a fuel item remotely of a fuel dispenser using a payer application accessible on a computing device. An order is generated based on the selected fuel item; the order including an identifier associated with a payer account. ... Mastercard International Incorporated

03/24/16 / #20160086156

Ultrasonic triangulation for payments method and apparatus

A system, method, and computer-readable storage medium to determine a table location of a payment cardholder within a restaurant, to enable automatic bill receipt for the table.. . ... Mastercard International Incorporated

03/24/16 / #20160086101

System and method to automate livery vehicle scheduling from airline itinerary data

A system, method, and computer-readable storage medium to automate livery vehicle scheduling from airline itinerary data retrieved from cardholder spending.. . ... Mastercard International Incorporated

03/17/16 / #20160080151

Systems and methods of authentication of communications

A system and method of authenticating a communication network comprising a first computing device, a second computing device and an intermediary computing device, wherein there is a first path between the first computing device and the intermediary computing device and a second path between the second computing device and the intermediary computing device. The method is executed at the intermediary computing device, and comprises receiving, from the first computing device, a first session key generated by the first computing device using a function, wherein an input to the function comprises an incremented variable; receiving, from the second computing device, data associated with a second session key generated by the second computing device using the function; determining that the first session key and the second session key are the same; and defining the communication network as authentic when the first session key and the second session key are the same.. ... Mastercard International Incorporated

03/17/16 / #20160078692

Method and system for sharing transport information

Provided are a computer-implemented method and system for providing transport information to a plurality of user computing devices. The method is performed by a cloud computing system and includes operating a processor associated with the cloud computing system to: analyse vehicle data collated from one or more vehicles remote from the cloud computing system to generate processed vehicle data; and configure the processed vehicle data to be accessed through a portal of each of the user computing devices.. ... Mastercard International Incorporated

03/17/16 / #20160078556

Method and system for estimation of small business risk and spend profiles

A method for aggregating entity transaction data across multiple transaction accounts includes: storing a plurality of entity profiles, wherein each entity profile is associated with an entity including a unique entity identifier and a plurality of transaction data entries, each transaction data entry including transaction data associated with a payment transaction involving one of a plurality of transaction accounts associated with the associated entity; receiving transaction data for a processed payment transaction, wherein the transaction data includes a specific unique entity identifier associated with an entity involved in the processed payment transaction and a separate account identifier associated with a transaction account used to fund the processed payment transaction; identifying a specific entity profile where the included unique entity identifier corresponds to the specific unique entity identifier; and storing, in the identified specific entity profile, the received transaction data.. . ... Mastercard International Incorporated

03/17/16 / #20160078524

Method and system for suggesting and processing regular transactions based on product data

A method for identifying and initiating a regular transaction for a consumer includes: storing a merchant profile, the profile including data related to a merchant including a merchant geolocation; storing an account profile, the profile including data related to a consumer including a plurality of transaction data entries, each including data related to a transaction involving the consumer including a set of one or more product identifiers corresponding to products purchased in the transaction; identifying a regular order for the consumer, the regular order including a specific set of one or more product identifiers based on frequency of the specific set as the set included in the transaction data entries in the account profile; receiving a geolocation associated with the consumer, the geolocation being within a predetermined distance of the geolocation in the merchant profile; and transmitting at least the one or more product identifiers included in the specific set.. . ... Mastercard International Incorporated

03/17/16 / #20160078503

Method and apparatus to extend grace period for utility payments by prepaid device-holders

Systems and methods for determining whether to extend a grace period to a consumer instead of cancelling their services are described. The system/method accesses payroll card and/or other information pertaining to the consumer's financial and/or employment status and history. ... Mastercard International Incorporated

03/17/16 / #20160078444

Systems and methods for providing fraud indicator data within an authentication protocol

A computing device for providing fraud indicator data within an authentication system including an authentication protocol is provided herein. The computing device includes a processor communicatively coupled to a memory. ... Mastercard International Incorporated

03/17/16 / #20160078443

Systems and methods for determining fraudulent transactions using digital wallet data

A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. ... Mastercard International Incorporated

03/17/16 / #20160078436

Systems and methods for providing risk based decisioning service to a merchant

A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. ... Mastercard International Incorporated

03/17/16 / #20160078428

Pairing electronic wallet with specified merchants

A system and method for facilitating use of a digital electronic wallet by a cardholder for cashless transactions. The method comprises receiving a selection by a first cardholder to pair a first digital wallet held by a first wallet holder with a first merchant, the first digital wallet having therein an electronic representation of at least one payment device usable to fund a cashless transaction, and verifying the cardholder's identity. ... Mastercard International Incorporated

03/10/16 / #20160073228

System and method for generating expected geolocations of mobile computing devices

A computer-implemented method for generating a geographical information database associating users with one or more geolocations. The method includes the steps of receiving user identification data, geolocation data, and date and time data associated with the geolocation data from the personal computing devices of a plurality of users. ... Mastercard International Incorporated

03/10/16 / #20160071227

Transaction systems and methods for travelers using mass-transit vehicles and facilities

A mobile communication device transaction systems and methods for travelers using mass-transit vehicles and facilities are disclosed. Exemplary servers are for connection to a mobile communication device that includes a travel transaction application identifying at least one traveler, payment information, and trip information. ... Mastercard International Incorporated

03/10/16 / #20160071205

Payment card based remittance system with designation of recipient by mobile telephone number

Methods and systems for providing currency conversion cost estimates to customer mobile devices. In an embodiment, a payment system includes a translation computer and receives, from a customer mobile telephone, a currency conversion inquiry that includes the customer's mobile telephone number, local currency data and transaction amount data. ... Mastercard International Incorporated

03/10/16 / #20160071201

Method and system for implementing self-imposed spending limit

A method for imposing spending limits includes: storing data related to a payment account; receiving a spending limit request from a consumer associated with the account, the request including a spending target and spending category; generating a budget including a starting spending limit and two or more periods of time; applying, to the account, a spending limit, such that a value of transactions funded by the account during a first period of time and related to the spending category cannot exceed the applied spending limit, wherein the applied spending limit is the starting spending limit; decreasing the applied spending limit after the first period of time, such that transactions funded by the account during a second period of time cannot exceed the decreased applied spending limit; and repeating the decreasing step until the applied spending limit is equal to the spending target.. . ... Mastercard International Incorporated

03/10/16 / #20160071200

Method and system for consumer budgeting based on historical purchase data

A method for calculating an assisted categorized budget includes: storing a plurality of account profiles, each profile including data related to a payment account including an account identifier, a transaction history for the account, and consumer data for a consumer associated with the account; receiving a budget request, the request including a specific account identifier; identifying a specific account profile including the specific account identifier; identifying one or more related account profiles based on related consumer data and/or transaction history; and generating a budget for the payment account related to the specific account profile, the budget being based on at least (i) the consumer data included in the specific account profile, (ii) the transaction history included in the specific account profile, and (iii) at least one of (a) the consumer data and (b) transaction history included in the identified one or more related account profiles.. . ... Mastercard International Incorporated

03/10/16 / #20160071136

Method and system for integrating travel visa data with transaction data

A method for linking travel visa data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to one or more consumers including a plurality of consumer characteristics associated with each of the related one or more consumers and a plurality of transaction data entries each corresponding to a payment transaction involving one of the related one or more consumers; receiving a travel visa profile, the profile including travel visa data associated with one or more specific consumers and a plurality of demographic characteristics associated with each of the one or more specific consumers; identifying a 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 identified consumer profiles with the travel visa data included in the received travel visa profile.. . ... Mastercard International Incorporated

03/10/16 / #20160071133

Automatic determination of account owners to be encouraged to utilize point of sale transactions

According to some embodiments, account owner information associated with account owners of payment accounts (e.g., credit card accounts) may be retrieved from an account owner database. The retrieved account owner information may be analyzed to automatically identify a set of account owners primarily associated with automated teller machine device transactions in connection with the payment accounts. ... Mastercard International Incorporated

03/10/16 / #20160071112

Method and system for providing transparency in data collection and usage

A method for providing transparency for gathered purchase data includes: storing a plurality of account profiles, each profile including data related to a transaction account associated with a consumer including an account identifier and a plurality of consumer data entries, each entry including data associated with the associated consumer including a data value; receiving a data request, the request including a specific account identifier and one or more requested consumer data entries; identifying a specific account profile where the account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more consumer data entries corresponding to the one or more requested consumer data entries; and transmitting the data value included in each of the identified consumer data entries, wherein the data values are based on one or more payment transactions or use of a payment card associated with the related transaction account.. . ... Mastercard International Incorporated

03/10/16 / #20160071105

Systems and methods for using social network data to determine payment fraud

A computer-implemented method for analyzing potentially fraudulent e-commerce payment transactions utilizing social media data is provided. The method uses a fraud monitoring device in communication with a memory. ... Mastercard International Incorporated

03/10/16 / #20160071100

Mechanism for authorising transactions conducted at unattended terminals

Methods and systems for processing transactions initiated at unattended terminals using user devices without visible credentials, and providing services concerning such transactions, are disclosed. A first party issues a set of pseudo credentials for a user device responsive to authorisation request data concerning a transaction initiated with a second party using the user device and provides the pseudo credentials to the second party, who maps such pseudo credentials to real credentials of the user device acquired from the user device during the transaction. ... Mastercard International Incorporated

03/10/16 / #20160071092

Systems and methods for transferring value to payment accounts

Systems and methods are provided for transferring value from a voucher to a payment account associated with a consumer. One exemplary method includes receiving, at a computing device, a load request to transfer value from a voucher to a payment account associated with a consumer. ... Mastercard International Incorporated

03/10/16 / #20160071091

Method and system for real time consumer transaction tracking

A method for sharing transaction data includes: storing, inside a point of sale device, a removable integrated circuit payment card, the card being configured to store payment credentials associated with a payment account and including an antenna configured to operate using electric power provided by the point of sale device; receiving, by a receiver of the integrated circuit payment card, transaction data for a payment transaction; encrypting, by a processor of the integrated circuit payment card, the received transaction data; receiving, by the receiver of the integrated circuit payment card, an indication of receipt of an authorization response associated with the payment transaction; and transmitting, by the antenna, the encrypted transaction data to a mobile communication device.. . ... Mastercard International Incorporated

03/10/16 / #20160071086

Method and system for facilitating a transaction

A computer-implemented method of processing a payment at a network node is described. The method includes operating a processor to identify a set of agreed purchase parameters, the agreed purchase parameters including data indicative of a purchase location, a purchase amount, a first device associated with a first user, and a second device associated with a second user, determine a first location of the first device, determine a second location of the second device, and responsive to determining that the first location and the second location are within a predefined distance from the purchase location, effecting a transfer of the purchase amount from a first account associated with the first user to a second account associated with the second user.. ... Mastercard International Incorporated

03/10/16 / #20160071075

Systems and methods for transferring value to payment accounts

Systems and methods are provided for transferring value from to a payment account associated with a virtual wallet of a consumer. The value can be transferred using voucher-based transactions or cash-based transactions. ... Mastercard International Incorporated

03/10/16 / #20160071072

Automatous payment system, method and apparatus

A system, method, and computer-readable storage medium configured to model and predict payment intentions of a payment cardholder based on cardholder behavior, and to make payments on the cardholder's behalf.. . ... Mastercard International Incorporated

03/03/16 / #20160066136

Systems and methods for identifying merchant locations based on transaction records

Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. ... Mastercard International Incorporated

03/03/16 / #20160063547

Method and system for making targeted offers

A method for making a targeted offer by an entity to an audience of potential acceptors using a media streaming service is provided. The method includes retrieving information including purchasing and payment activity information attributable to the audience of potential acceptors; retrieving information including social media information indicative of one or more media listening or viewing patterns, interests or preferences of the audience of potential acceptors; correlating the information to generate one or more predictive behavioral models; identifying activities and characteristics attributable to the audience of potential acceptors; and conveying to the entity the activities and characteristics attributable to the audience of potential acceptors, to enable the entity to make a targeted offer to the audience of potential acceptors. ... Mastercard International Incorporated

03/03/16 / #20160063546

Method and system for making timely and targeted offers

A method for making a timely and targeted offer by an entity to an audience of potential acceptors is provided. The method involves retrieving information including purchasing and payment activity information attributable to the audience having a transaction, date and time identifier; retrieving information including website browsing information attributable to the audience having a website, date and time identifier for one or more websites visited by the audience; correlating the information to generate one or more predictive behavioral models; identifying time and date patterns associated with activities and characteristics attributable to the audience; and conveying to the entity the time and date patterns associated with the activities and characteristics attributable to the audience, to enable the entity to make a timely and targeted offer to the audience. ... Mastercard International Incorporated

03/03/16 / #20160063526

Method and system for optimizing customer volume at a merchant store

A method and a system are provided for optimizing customer volume at a merchant store. In particular, the present disclosure provides a method and a system for forecasting how many shoppers will be in a merchant store at certain times of the day. ... Mastercard International Incorporated

03/03/16 / #20160063513

Method and system for determining when and what time to go shopping

A method and a system are provided for determining when and what time a shopper should go shopping at a merchant. In particular, the present disclosure provides a method and a system for conveying to a shopper various shopping patterns by date and time, and by gender or age group, of a plurality of payment card holders at one or more merchants, based on one or more payment card holder purchase behaviors, to enable the shopper to select a date and time, or gender or age group, for shopping at the one or more merchants. ... Mastercard International Incorporated

03/03/16 / #20160063493

System and method for performing payment authorization verification using geolocation data

A computer implemented system and method for estimating and verifying a characteristic of a billing address of a payment card including receiving mobile phone and payment card number data from a cardholder. Geolocation data associated with the mobile phone is collected at a predetermined time after cardholder permission to access such data has been granted. ... Mastercard International Incorporated

03/03/16 / #20160063481

System and method of electronic authentication at a computer initiated via mobile

A system, method, and computer-readable storage medium configured to facilitate cash transactions at an automated teller machine when an atm card is not present, regardless of whether the accountholder is a customer of the financial institution that owns the atm.. . ... Mastercard International Incorporated

03/03/16 / #20160063438

Methods and systems for consolidating shipments of multiple products to consumers

Methods and systems are provided for consolidating a shipment of purchased products to a consumer. A consumer is initially registered to a consolidation account for consolidated shipping of the products. ... Mastercard International Incorporated

02/25/16 / #20160055502

Methods, systems and computer readable media for utilizing payment card transaction data to conduct product price comparisons

Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. ... Mastercard International Incorporated

02/25/16 / #20160055498

Obtaining consumer survey responses at point of interaction for use to predict purchasing behavior

Systems, apparatus and methods for obtaining consumer survey responses from a payment account holder at a point of interaction and then using that information to predict future consumer purchasing behavior. In an embodiment, at least one consumer survey question that represents a portion of a consumer survey poll is transmitted to a cardholder for display on a display screen at a point of interaction. ... Mastercard International Incorporated

02/25/16 / #20160055431

System and method for generating itineraries and weather forecast displays

A computer system is configured to generate travel itineraries from databases of travel data, the itineraries including ordered location and date data, and provide itineraries to user devices for generation of displays of weather forecast data for locations on the itinerary. A user device is configured to access itinerary data, generated from databases of travel data, and weather forecast data, and generate a display of weather forecast data for locations on the itinerary.. ... Mastercard International Incorporated

02/18/16 / #20160048929

Payroll system with flexible disbursement options

A method includes storing payroll information for an employee of an employer. The payroll information may include the employee's name, address, electronic contact information, etc. ... Mastercard International Incorporated

02/18/16 / #20160048913

Systems and methods for assigning a variable length bank identification number

Systems and methods for use in assigning bank identification numbers (bins) are disclosed. One exemplary method includes identifying a payment account demand for an issuer. ... Mastercard International Incorporated

02/18/16 / #20160048858

Method and system for dynamically creating microneighborhood audience segments

A method for generating a micro-neighborhood of consumers includes: storing a plurality of account profiles, each profile including data related to a consumer including account data, a micro-neighborhood location identifier, and a plurality of transaction data entries, each entry being related to a payment transaction involving the related consumer and including transaction data; scoring each account profile stored in the account database by application of a scoring model to the transaction data included in one or more transaction data entries included in the respective account profile; and identifying a plurality of account profile groupings, each grouping including a subset of the plurality of account profiles identified based on the score for and micro-neighborhood location identifier included in each account profile included in the subset, wherein the subset of the plurality of account profiles included in each account profile grouping includes at least a predetermined number of account profiles.. . ... Mastercard International Incorporated

02/18/16 / #20160048822

Method and system for delivering funding options to a user

A method and system for delivering funding options to a user, with the method being performed by a mobile device, includes operating a processor associated with the mobile device to: allow a user to select an item for purchase; collate data from one or more payment service provider sources to inform a user of the mobile device of any funding options available; allow user selection of the preferred funding option; and fulfill the preferred funding option.. . ... Mastercard International Incorporated

02/18/16 / #20160048816

Method and system for processing payment transactions at an automated teller machine

A method for processing payment transactions at an automated teller machine (atm) includes: storing a plurality of account profiles, each profile including data related to a payment account associated with a consumer including a payment account number associated with the related payment account and one or more alternative account numbers, each associated with a different payment account associated with the consumer; reading payment details encoded on a payment card inserted in a receiving device of an atm, the details including a specific payment account number; identifying a specific account profile where the included payment account number corresponds to the specific payment account number; and displaying a plurality of account selection items, each item corresponding to a payment account associated with one of: the payment account number and one of the one or more alternative account numbers included in the identified specific account profile.. . ... Mastercard International Incorporated

02/11/16 / #20160043974

Systems and methods for integrating a chat function into an e-reader application

An e-reader communication platform for integrating a chat function into an e-reader application is provided. The e-reader communication platform includes a processor programmed to upload, to a first client device associated with a first user, an e-book. ... Mastercard International Incorporated

02/11/16 / #20160042478

Methods and systems for verifying images associated with offered properties

Methods and systems are provided for verifying images associated with properties offered for sale, lease, or rent. One exemplary method includes receiving, at a computing device, at least one image associated with a real property and searching, in a listing database, for the at least one image. ... Mastercard International Incorporated

02/11/16 / #20160042424

Method and system for integration of merchant trade areas into search results

A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include the respective identified merchant trade area data.. . ... Mastercard International Incorporated

02/11/16 / #20160042420

Systems and methods for managing group chats during ecommerce sessions

A computer implemented method for managing a group chat during an ecommerce session is provided. The method includes initiating a chat session between at least a first client computer device associated with a first participant and a second client computer device associated with a second participant, and sharing at least one view of an ecommerce website with the first client computer device and the second client computer device. ... Mastercard International Incorporated

02/11/16 / #20160042381

Methods, systems and computer readable media for providing benefits to local community entities via purchase card transactions

Methods, systems, and computer readable media for providing benefits to local community entities via purchase card transactions are disclosed. In one example, the method includes receiving a message indicating that a purchase transaction has been initiated with a purchase transaction card associated with a community-based payment card reward program managed via the website management platform, using purchase transaction information contained in the message to determine if the purchase transaction was conducted in a local area specified by the community-based payment card reward program, applying a credit to a cardholder account associated with the purchase transaction card in the event the purchase transaction is initiated at a merchant site located within the local area and determining a donation amount to be provided to at least one charitable entity located within the local area in the event the purchase transaction is initiated at a merchant site located outside of the local area.. ... Mastercard International Incorporated

02/11/16 / #20160042374

Methods and systems for identifying merchant and atm demand

Methods and systems are provided for identifying demand at, for example, merchants and atms located within selected geographic boundaries, and over a selected time frame. Transaction data for transactions conducted over the selected time frame is received at a computing device, and location data is associated with each of the transactions. ... Mastercard International Incorporated

02/11/16 / #20160042365

Method and system for transfer of consumer data to merchants

A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device.. . ... Mastercard International Incorporated

02/11/16 / #20160042346

Systems and methods for performing payment card transactions using a wearable computing device

A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. ... Mastercard International Incorporated

02/11/16 / #20160042327

Method and system for processing of business-to-business payment transactions

A method for processing business-to-business payments includes: storing a plurality of payment rules, each rule including data related to a payment scheme including an institution identifier and payment amount; receiving, from a first financial institution, a notification of payment to be made by a buyer to a seller, the notification including a first institution identifier associated with the first financial institution, a second institution identifier associated with the seller and/or a second financial institution associated with the seller, and a transaction amount; forwarding, to the second financial institution, a payment notification, the notification including the transaction amount and indicates at least one of: the first financial institution, the buyer, and the seller; identifying a specific payment rule where the institution identifier corresponds to the first institution identifier; and processing a payment to the first financial institution based on the payment amount included in the specific payment rule.. . ... Mastercard International Incorporated

02/11/16 / #20160042073

Method and system for news personalization using merchant targeting

A method for filtering news content includes: storing a consumer profile, the profile including data related to a consumer; storing, in the consumer profile, a plurality of transaction data entries, each entry including data related to a payment transaction involving the related consumer including a merchant identifier and transaction data; receiving a list of news content items, the list of news content items including data related to a plurality of news content items including publication data; identifying one or more news content items in the list of news content items where the included publication data corresponds to at least one of the merchant identifier and transaction data in one or more transaction data entries stored in the consumer profile; filtering the identified one or more news content items out of the list of news content items; and transmitting the filtered list of news content items.. . ... Mastercard International Incorporated

02/04/16 / #20160034991

Method and system for identification of noncompliant merchants

A method for assessing merchant likelihood of noncompliance includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including transaction data, an account identifier, and a merchant identifier; identifying a first set of transaction data entries that include a specific merchant identifier associated with a merchant noncompliant with a rule or regulation; identifying a set of account identifiers from the transaction data entries in the first set; identifying a second set of transaction data entries that include account identifiers from the set of account identifiers; identifying a set of merchant identifiers from the transaction data entries in the second set; and calculating, for each merchant identifier in the set, a score indicative of a likelihood that an associated merchant is noncompliant with the rule or regulation based on the transaction data included in each of their transaction data entries in the second set.. . ... Mastercard International Incorporated

02/04/16 / #20160034925

Systems and methods for identifying cardholder stock-piling behavior

A computer-implemented method for identifying cardholder stock-piling behavior is implemented by a purchase analysis computer system in communication with a memory. The method includes retrieving at least one stock-piling profile used to identify transaction characteristics consistent with a stock-piling event wherein the stock-piling profile includes a plurality of ranges of expected cardholder transaction volumes associated with a plurality of categories of transactions, receiving a plurality of transaction data associated with the plurality of categories of transactions, determining an actual cardholder transaction volume for each of the plurality of categories of transactions, and identifying cardholder stock-piling behavior by comparing the actual cardholder transaction volume to the range of expected cardholder transaction volume for each of a plurality of categories of transactions.. ... Mastercard International Incorporated

02/04/16 / #20160034917

Systems and methods for determining enhanced merchant identification

A computer implemented method for creating merchant profiles based on check transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. ... Mastercard International Incorporated

02/04/16 / #20160034916

Method and system for identifying payment card holder interests and hobbies

A method and a system are provided for identifying payment card holder hobbies or interests. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. ... Mastercard International Incorporated

02/04/16 / #20160034898

Systems and methods for identifying merchants that pose transaction risks to purchasing entities

Systems and methods are provided for identifying when a merchant poses a transaction risk to a purchasing entity. One exemplary method includes receiving a request to review a merchant to determine if the merchant poses a transaction risk to a purchasing entity, and searching for the merchant in a merchant database. ... Mastercard International Incorporated

02/04/16 / #20160034889

Apparatus, method, and computer program product for automated sequential electronic payments

In a scenario where a buyer purchases at least one of goods and services from a seller via an intermediary, at at least one of the intermediary and a third party, an indication is obtained that payment to the intermediary from the buyer is appropriate. Responsive to the indication, the at least one of the intermediary and the third party initiates a pull payment, via a payment card network, for an on-file payment card account number of the buyer. ... Mastercard International Incorporated

02/04/16 / #20160034884

Method and system for chargeback of counterfeit goods

A method for processing a chargeback of counterfeit goods includes: storing a plurality of transaction data entries, each entry including data related to a processed payment transaction including transaction data and a merchant identifier; receiving a chargeback request, the request including identification data associated with a plurality of payment transactions and an indication of each of the plurality of payment transactions involving the sale of counterfeit goods; identifying a subset of transaction data entries based on the transaction data in each entry in the subset and the identification data in the chargeback request; initiating a chargeback for the processed payment transaction related to each transaction data entry in the subset; and initiating a payment transaction for an amount based on a number of transaction data entries in the subset, wherein the initiated payment transaction involves an entity associated with the chargeback request.. . ... Mastercard International Incorporated

02/04/16 / #20160034880

Systems and methods for operating transaction terminals

Methods and apparatus for operating a transaction terminal. In an embodiment, a method includes receiving, by a proximity reader processor via a first channel, an activation signal from a payment terminal processor indicating initiation of a payment transaction with a proximity payment device. ... Mastercard International Incorporated

02/04/16 / #20160034870

Method and system for imposition of costs on spam advertised merchants

A method for imposing fees on a merchant includes: storing, in a merchant database, a plurality of merchant profiles, wherein each merchant profile includes data related to a merchant in violation of a rule or regulation including at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific merchant identifier associated with a merchant involved in the payment transaction and a transaction amount; identifying, in the merchant database, a specific merchant profile where the included merchant identifier corresponds to the specific merchant identifier; processing, by a processing device, the payment transaction for the transaction amount; processing, by the processing device, a second payment transaction for the imposition of fees on the merchant involved in the payment transaction; and processing, by the processing device, a third payment transaction for revocation of the transaction amount.. . ... Mastercard International Incorporated

02/04/16 / #20160034864

Payment mode selection

A system, method, and computer-readable storage medium configured to the electronic detection and presentation of available payment types by a mobile user device.. . ... Mastercard International Incorporated

01/28/16 / #20160027127

Method and system for inferring taxpayer location from transaction data

A computer-implemented method for inferring a taxpayer location from transaction data is implemented by a computing device coupled to a memory. The method includes receiving, by the computing device, a travel report request message including a payment card identifier associated with a taxpayer and a report date, retrieving, by the computing device, transaction data for a payment card associated with the payment card identifier and the report date, the transaction data including merchant location data associated with a merchant zip code, inferring a location of the taxpayer using the merchant location and the report date, comparing the inferred location with a plurality of tax zones stored in the memory to determine a specific tax zone of the plurality of tax zones associated with the inferred location of the taxpayer, and providing a travel report to the taxpayer, wherein the travel report includes the inferred location for the report date and the tax zone associated with the inferred location.. ... Mastercard International Incorporated

01/28/16 / #20160026998

In-market personalization of payment devices

Described are methods and systems for remotely personalizing a payment device. In an embodiment, a trusted service provider (tsp) personalization server receives a payment device personalization request from a remote personalization device (rpd), determines that a hardware security token (hst) permits issuance of the payment device, and transmits a personalization data request to an issuer. ... Mastercard International Incorporated

01/21/16 / #20160019572

Method and system for efficiently distributing coupons

A method for efficiently distributing coupons to consumers including, inter alia, storing a plurality of consumer profiles; receiving, from a first device of a first consumer, a first consumer identifier associated with the first consumer and identification of at least one second consumer to whom a coupon, with an associated coupon identifier, is to be forwarded; forwarding the coupon to a second device of the at least one second consumer; creating a coupon forwarding data entry, in a consumer profile of the first consumer; receiving a notification indicating coupon redemption and including at least the coupon identifier; updating a consumer profile of the second consumer to reflect a weighted interest level; identifying from the first database, coupon history information that includes at least forwarding and redemption information associated with the redeemed coupon; and generating statistics based on the identified coupon history information.. . ... Mastercard International Incorporated

01/21/16 / #20160019545

Method and system for a unified platform and data integration in a group of related companies

A method for data integration in a unified platform includes a processing server that is configured to store account profiles for unified transaction and membership accounts, receive authentication requests from multiple entities, receive a transaction message for a payment transaction from another entity, identify an account profile associated with the authentication requests and payment transaction, process the payment transaction, perform authentication for each of the authentication requests, and electronically transmit results of the transaction processing and authentication to the appropriate entities, such that the processing server provides for a unified platform where data is integrated and used at a plurality of different merchants for a plurality of different services for consumer and merchant convenience.. . ... Mastercard International Incorporated

01/21/16 / #20160019535

Method and system for maintaining privacy in scoring of consumer spending behavior

A method for maintaining consumer privacy in behavioral scoring includes a first computing system and a second computing system. The first computing system disguises consumer characteristics and maps disguised consumer characteristics to unencrypted account identifiers, and then transmits the data to the second computing system. ... Mastercard International Incorporated

01/21/16 / #20160019534

Systems and methods for monitoring performance of payment networks through distributed computing

Systems and methods for use in monitoring performance of payment networks through use of distributed computing. One example method includes generating metrics and/or events associated with a deployed region of the agent, correlating the metrics and/or events over at least one time interval, the time interval dependent on at least one of historical data related to the deployed region and a known event, detecting, at the agent, at least one variance in the metrics and/or events over the at least one time interval based on a statistical analysis with at least one tolerance, and publishing sampled data, to an associated collector, based on at least one of a sampling rule and the at least on variance.. ... Mastercard International Incorporated

01/21/16 / #20160019504

Supply chain management tool to promote a uniform business ecosystem

Systems and methods are provided for understanding a business ecosystem, e.g., technology asset makeup, of a company. Arising from this understanding, intelligent recommendations can be provided to, e.g., supply chain management and other personnel in the company, regarding the use and/or implementation of new or additional technology assets in order to facilitate a uniform business ecosystem.. ... Mastercard International Incorporated

01/14/16 / #20160014623

Systems, apparatus and methods for consumer testing of an nfc-enabled mobile device

Near-field communication (nfc) test systems, apparatus and processes enable consumers to thoroughly and easily test the nfc circuitry and short range communications software of their mobile devices. In an embodiment, a processor of a consumer's mobile device receives input to initialize an nfc test application and displays a prompt on a display screen for the consumer to position his or her mobile device to communicate with an nfc-enabled device. ... Mastercard International Incorporated

01/14/16 / #20160014459

System and method for strategic channel placement based on purchasing information

Various embodiments provide systems and methods for leveraging transaction processing data to identify areas or subject matters of interest to consumers, e.g., in a particular cable viewing area/region. Such data can be correlated to cable channels, for example, that provide programming related to or commensurate with the identified areas of interest. ... Mastercard International Incorporated

01/14/16 / #20160012480

Targeted electronic commerce based on historical purchasing data

An electronic commerce method is provided. The electronic commerce method comprises storing transaction data of a plurality of account holders, each of the transaction data relating to a transaction initiated by the respective account holder with a merchant; determining a candidate group of merchants based on the transaction data; and providing at least one purchasing opportunity with at least one of the merchants in the determined group of merchants to at least one account holder, the opportunity promoting a transaction.. ... Mastercard International Incorporated

01/14/16 / #20160012474

Method and system for identifying influencers from transaction data

A method for identifying linked payment accounts includes storing an account profiles related to payment accounts and storing transaction data for a plurality of payment transactions, each involving a payment account, a merchant, and each conducted at a specific time and/or date. Transaction pairs are identified for two transactions conducted within a predetermined period of time and involving the same merchant, but two different accounts. ... Mastercard International Incorporated

01/14/16 / #20160012470

Methods, systems, and computer readable media for secure near field communication of a non-secure memory element payload

According to one aspect, the subject matter described herein includes a method for secure near field communication (nfc) of a non-secure memory element payload. The method includes receiving, at an nfc enabled mobile device and from a content provider, a payload. ... Mastercard International Incorporated

01/14/16 / #20160012457

Method and system for sales strategy optimization

A method for identifying a payment card holder preference for a certain sales technique. The method involves retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable to one or more payment card holders; retrieving, from one or more databases, a second set of information including merchant information associated with the purchasing and payment activity; retrieving, from one or more databases, a third set of information including sales technique information; analyzing the first set of information and the second set of information to generate one or more predictive payment card holder profiles; and correlating the one or more predictive payment card holder profiles with the sales technique information to identify payment card holder preference for the certain sales technique. ... Mastercard International Incorporated

01/14/16 / #20160012452

Method and system for determining card holder preference

A method for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is provided. The method includes retrieving a first set of information including purchasing and payment activity information attributable to payment card holder(s); retrieving a second set of information including merchant information; optionally retrieving a third set of information including external information; analyzing the second set of information and optionally the third set of information to generate grouping(s) of proximal merchant competitors; associating the purchasing and payment activity information attributable to the payment card holders and the groupings of proximal merchant competitors to generate predictive payment card holder profile(s); and determining payment card holder preference of a merchant from a grouping of proximal merchant competitors based on the predictive payment card holder profile(s). ... Mastercard International Incorporated

01/14/16 / #20160012443

Non-payment communications using payment transaction network

A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. ... Mastercard International Incorporated

01/14/16 / #20160012441

Method and system for optimizing authenticiation processes in payment transactions

A method for identifying a level of authentication includes: storing a plurality of authentication processes, each tool being associated with transaction characteristics; storing a plurality of account profiles, each profile including account data and an account identifier; receiving an authorization request for a payment transaction, the request including transaction data and a specific account identifier; identifying at least two eligible authentication processes based on the transaction characteristics for the respective tool and the transaction data; identifying a specific account profile that includes the specific account identifier; estimating a profitability value of the transaction based on the transaction data; estimating an account purchase elasticity value based on the account data included in the identified specific account profile; and selecting one or more authentication processes of the identified at least two eligible authentication processes based on the estimated profitability and account purchase elasticity values.. . ... Mastercard International Incorporated

01/14/16 / #20160012425

Systems and methods for processing transactions between customers and merchants

A method is provided. The method comprises obtaining transaction data of at least one transacting party, the at least one transacting party being one who has initiated a transaction with a first client, wherein at least one of the transaction data of the at least one transacting party relates to a transaction initiated by the at least one transacting party with a second client. ... Mastercard International Incorporated

01/14/16 / #20160012417

System and method for loading and reloading prepaid payment cards from mobile devices

Methods and systems for loading and reloading prepaid cards are disclosed. A service layer of a payment facilitator receives a pay-and-load request to load a prepaid card with a desired amount from a mobile application installed at a mobile device. ... Mastercard International Incorporated

01/14/16 / #20160012405

Method and system of processing a transaction for a group

A method and system are provided for processing a transaction for a group of individuals. The method being performed at a network node and comprising operating a processor to provide an electronic point of sale group payment node having a plurality of virtual payment instruments associated thereto. ... Mastercard International Incorporated

01/14/16 / #20160012398

Systems and methods for aggregating consumer-specific transactions associated with a social venture

Exemplary systems and methods for aggregating consumer-specific transactions made to member merchants associated with a social venture are disclosed. One exemplary method includes distributing a merchant computing device to each of multiple member merchants associated with a social venture and capturing and storing, in memory, multiple transactions from the merchant computing devices, during a social venture period. ... Mastercard International Incorporated

01/07/16 / #20160005129

Selecting insurance coverage based on transaction data

Transaction data is mined to obtain a health profile for at least one person who wishes to select a medical insurance plan. The transaction data includes at least one of payment card transaction data and electronic bill presentment and payment transaction data. ... Mastercard International Incorporated

01/07/16 / #20160005126

System and method for investment portfolio recommendations based on purchasing and retail location

Systems and methods are provided for scanning a code associated with, taking a picture of, or otherwise receiving a product or service identifier. Upon recognizing the product or service identifier, the product or service identifier can be linked, mapped, correlated to, or otherwise associated with a company or corporate entity. ... Mastercard International Incorporated

01/07/16 / #20160005072

Method and system for online commerce analysis

A system for analyzing spending data includes a receiving device and a processing device. The receiving device is configured to receive transaction data for a plurality of payment transactions for a plurality of consumers, wherein the transaction data for each of the plurality of payment transactions includes at least purchase data and a payment transaction type. ... Mastercard International Incorporated

01/07/16 / #20160005061

Systems and methods for categorizing neighborhoods based on payment card transactions

A computer implemented method for categorizing neighborhoods based on cardholder transactions is provided. The method is implemented using a computing device having a processor communicatively coupled to a memory. ... Mastercard International Incorporated

01/07/16 / #20160005060

Method and system for predicting spending on travel

A system for analyzing spending data includes a database, a receiving device and a processing device. The database stores a geographic area associated with a primary purchase area of a consumer. ... Mastercard International Incorporated

01/07/16 / #20160005041

Method and system for maintaining privacy and compliance in the use of account reissuance data

A method for linking payment accounts includes: storing a plurality of account profiles, each profile including data related to a payment account including an account number and account data; encrypting the account number included in each account profile using a method of encryption to obtain an encrypted account number; receiving account linkage data, the data including a plurality of encrypted account identifiers, each identifier being indicated as being linked to another identifier, and each identifier being encrypted using the method of encryption; matching each of the encrypted account identifiers to an encrypted account number; and updating one or more account profiles to indicate a link to another account profile where the encrypted account number included in the profile being updated matches an encrypted account identifier that is indicated as being linked to an encrypted account identifier that matches the encrypted account number included in the other profile.. . ... Mastercard International Incorporated

01/07/16 / #20160005038

Enhanced user authentication platform

Systems and methods for multi-factor user authentication techniques usable in transactions. In some embodiments, an authentication platform receives a request to authenticate a user in conjunction with an online transaction and determines an authentication rule. ... Mastercard International Incorporated

01/07/16 / #20160005000

Systems and methods for managing career development experiences within a company

Systems and methods are provided for managing career development experiences within a company. One exemplary system includes a memory configured to store, in an offer database, development experience information for multiple career development experiences, and a processor coupled to the memory. ... Mastercard International Incorporated








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