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Mastercard International Incorporated patents (2017 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 identifying commercial vacancies

. . A vacancy identification (vi) computing device is provided. The vi computing device includes a processor in communication with a memory. ... Mastercard International Incorporated

Methods and systems for processing records submissions for tax assessment

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

System and method for card-linked services

A system and method for optimizing at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion. Acceptances of the promotion are received following each user's selection of the promotion. ... Mastercard International Incorporated

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

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

A method for authorizing and processing payment transactions over a network, the method comprising the steps of initiating, responsive to a user payment request to process a payment for a purchase on a merchants web site, a user interface, establishing a secure communication channel between the interface and an account server, the account server having stored a profile of an registered user, submitting, by the user interface, purchase information of the purchase order to the account server, requesting, by the account server through the user interface, authentication of the user, linking, at the account server, purchase information to the user profile, requesting, through the user interface, purchase confirmation by the user, requesting, by the user interface, a checkout reference for the confirmed purchase order from the account server, submitting, at least part of the purchase information and the checkout reference to a payment service provider to process the transaction.. . ... Mastercard International Incorporated

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

A method for automatic email generation and delivery based on transaction account linkage includes: storing a plurality of account profiles, each related to a transaction account and including a primary account number and an email address automatically generated for the transaction account upon issuance; receiving a transaction message for a payment transaction including a specific primary account number and transaction data; identifying a specific account profile that includes the specific primary account number; generating an email message, wherein a body of the email message includes content generated from the transaction data and a header of the email message includes the email address included in the identified specific account profile as a destination address; and transmitting the generated email message to a mail server for delivery to the destination address included in the header.. . ... Mastercard International Incorporated

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

A method for award identification based on transactional behavior and interests comprising: identifying a subset of transaction data entries stored in the transaction database, wherein each transaction data entry in the subset includes the transaction account; determining, when the subset of transaction data entries exceeds a predetermined threshold; qualifying, the transaction account for an entry into a random drawing; identifying, winning transaction account from the plurality of transaction accounts that were entered into the random drawing; identifying at least one set of interest characteristics for the winning transaction account by: querying the demographic database and the profile database to identify, from an award database, a surprise based on the life stage and specific identified area of special interest of the consumer; and transmitting notice of the identified surprise to a computing device of the consumer.. . ... Mastercard International Incorporated

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

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

Systems and methods for building peer networks

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

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

A method includes receiving a funds transfer request. The request includes an alias character string. ... Mastercard International Incorporated

Method and system for geofencing

A method for initiating a time- and geographic-based electronic transaction includes: storing, in a mobile computing device, payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area, the notification including payment terms; registering a first timestamp upon receipt of the notification; displaying the payment terms; receiving an indication of approval of the payment terms; receiving an exit notification upon exit of the mobile computing device from the predefined geographic area; registering a second timestamp upon receipt of the exit notification; calculating a transaction amount based on an elapsed amount of time between the first timestamp and the second timestamp and a payment rate; and transmitting the calculated transaction amount and payment details.. . ... Mastercard International Incorporated

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

A card payment network handles a payment card account system transaction. The transaction involves a merchant and was acquired by a transaction acquirer. ... Mastercard International Incorporated

Systems and methods for providing multiple communications network options

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

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

A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. ... Mastercard International Incorporated

12/21/17 / #20170364879

Transaction flows and transaction processing for bridged payment systems

In operating a payment card account transaction acquirer computer, a transaction request message is received from a merchant. The message represents a purchase transaction accepted by the merchant. ... Mastercard International Incorporated

12/21/17 / #20170364878

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

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

12/21/17 / #20170364837

Methods and apparatus for predicting dynamic pricing

A computer implemented method for predicting dynamic pricing for a product or service is disclosed. The method comprises: receiving, at a server, transaction data for a plurality transactions relating to the product or service, the transaction data comprising transaction information indicating attributes of the transaction and booking information indicating attributes of the product or service; storing the transaction data on the server as a data set; calculating, in a derived variable calculation module of the server, derived variables for the data set from the transaction information and/or the booking information; generating, in a model generation module of the server, a model for the price of the product or service as a function of the derived variables; and predicting, in a price prediction module of the server, a price for the product or service using the model.. ... Mastercard International Incorporated

12/21/17 / #20170364780

Method and apparatus for dynamic interchange pricing

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

12/21/17 / #20170364705

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

A method for obfuscating granular transaction data via the introduction of noise includes: storing transaction data entries, each including transaction data values including at least a transaction amount and merchant identifier; receiving a data request including selection criteria and desired metrics; identifying a subset of transaction data entries based on the selection criteria; identifying a metric value for each desired metric based on the corresponding transaction data value in each of the transaction data entries in the subset; inserting noise to modify the subset by (i) adjusting the transaction data values included in at least two of the transaction data entries, and/or (ii) adding at least one transaction data entry to and removing at least one transaction data entry from the subset, where the inserted noise adjusts the metric values within a predetermined range; and transmitting the modified subset.. . ... Mastercard International Incorporated

12/21/17 / #20170364577

Search engine data validation method and system

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

12/14/17 / #20170357981

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

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

12/14/17 / #20170357977

Method and system for real time fraud decisioning in transaction processing

A computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of the point of sale device and a user mobile device, the at least one authentication request message.. . ... Mastercard International Incorporated

12/14/17 / #20170357974

Payment processing

A payment processing system for processing credit/debit card payments on behalf of a merchant, the system including one or more provider processing devices that: receive a transaction file including transaction details indicative of a transaction between the merchant and a customer, the transaction details including a transaction amount provided in a first data element and a customer account identifier; determine a discounted amount associated with the transaction by applying to the transaction amount a discount that is calculated at least partially in accordance with the customer account identifier; generate a modified transaction file including the discounted amount in the first data element, the transaction amount in a second data element and the customer account identifier; and cause a credit/debit card payment associated with the transaction to be performed in accordance with the modified transaction file.. . ... Mastercard International Incorporated

12/14/17 / #20170357971

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

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by the user device, the user-provided authentication data.. . ... Mastercard International Incorporated

12/14/17 / #20170357968

Systems and methods for enabling performance review of certified authentication services

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

12/14/17 / #20170357966

Method and system for use of a proprietary private blockchain

A method for submitting data captured in a transaction message to a blockchain includes: storing account profiles, each including data related to a transaction account including a primary account number and fiat currency balance; receiving a transaction message including a specific primary account number, fiat transaction amount, and merchant identifier; adjusting the fiat currency balance in a specific account profile that includes the specific primary account number by the fiat transaction amount; generating a data message including a token identifier associated with the specific account profile, the fiat transaction amount, and the merchant identifier; and electronically transmitting the generated data message to a computing device operating as a node in a blockchain network.. . ... Mastercard International Incorporated

12/14/17 / #20170357965

System and method for token based payments

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

12/14/17 / #20170357963

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

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

12/14/17 / #20170357962

Electronic chip for storing plurality of linked accounts

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

12/14/17 / #20170357956

Methods and systems for processing a fund transfer

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

12/14/17 / #20170357955

Method and system for local and international funds transfer

A method of transferring funds between a user and a beneficiary, the method including, in one or more electronic processing devices: a) receiving a funds transfer request from a client device of the user, the funds transfer request being indicative of: i) user account information indicative of a user account associated with the user; ii) a unique beneficiary identifier issued to the beneficiary by an issuing country; and, iii) an amount of funds to be transferred to the beneficiary; b) determining an indication of the issuing country; c) using the unique beneficiary identifier and indication of the issuing country to retrieve beneficiary account information indicative of a beneficiary account associated with the beneficiary; and, d) causing the funds to be transferred between the user account and the beneficiary account using the user account information and the beneficiary account information.. . ... Mastercard International Incorporated

12/14/17 / #20170357944

Methods and systems for generating a personnel records database

Methods and systems for generating a personnel records database are disclosed. The personnel records database includes data entries associated with a plurality of human subjects. ... Mastercard International Incorporated

12/14/17 / #20170357938

System and method for incremental object tracking and progressive remittance

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

12/14/17 / #20170357704

Method and systems for monitoring changes for a server system

A method and systems for monitoring changes for a server system are disclosed. The server system is operated on a first hardware system. ... Mastercard International Incorporated

12/14/17 / #20170357686

Method and systems for monitoring changes for a server system

A method and systems for monitoring changes for a server system are disclosed. Data are obtained from the server system, and the data are processed to determine a first change for the server system. ... Mastercard International Incorporated

12/14/17 / #20170357685

Method and systems for monitoring changes for a server system

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

12/14/17 / #20170357629

Systems and methods for generating a report from stream data

A processing device and method for generating data reports from a data stream are provided. The processing device may include an analyzer that may identify a data record by detecting a start record event indicator and an end record event indicator within the data stream, the start and end record event indicators representing a start and an end of the respective data record, an extractor that may extract data of the identified data record from the data stream based on the start record event indicator and the end record event indicator, and a generator configured to generate, based on the event indicator, one or more events, wherein an event handler handles the one or more events to process the data record for inclusion into the data report.. ... Mastercard International Incorporated

12/07/17 / #20170353482

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

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

12/07/17 / #20170353422

Systems and methods for transaction messaging using social networking platforms

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

12/07/17 / #20170352213

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

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

12/07/17 / #20170352112

Systems and methods for objectively determining restaurant cost characteristics

A computer-implemented method for determining objective restaurant cost characteristics for one or more merchant restaurants. The method is implemented using a restaurant cost ratings (rcr) computing device. ... Mastercard International Incorporated

12/07/17 / #20170352065

Systems and methods for use in facilitating donation transactions

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

12/07/17 / #20170352064

Systems and methods for optimizing property valuations and appraisals

A valuation computing device for optimizing a valuation of a property is provided. The valuation computing device includes a processor coupled to a memory and a database. ... Mastercard International Incorporated

12/07/17 / #20170352051

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

Methods, systems, and computer readable media for providing a personalized offers integration platform are provided. Personalized offers may be based on transaction details, geographic locations, and/or consumer preferences. ... Mastercard International Incorporated

12/07/17 / #20170352049

Methods and devices for collecting information about consumer spending

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

12/07/17 / #20170352036

Methods and apparatus for authorizing a transaction

A computer implemented method of processing an authorization request for a transaction in a first territory associated with a payment card issued in a second territory is disclosed. The method comprises receiving, at a server of a payment network, a transaction authorization request, the transaction authorization request comprising an indication of a payment card identifier of a payment card associated with the transaction; determining, using the payment card identifier, a local nominated issuer, the local nominated issuer being an issuing authority within the first territory authorized to process authorization requests associated with the payment card; routing the transaction authorization request to a server of the local nominated issuer; and receiving a transaction authorization response from the server of the local nominated issuer.. ... Mastercard International Incorporated

12/07/17 / #20170352033

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

A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.. . ... Mastercard International Incorporated

12/07/17 / #20170352026

Systems and methods for use in facilitating network transactions

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

12/07/17 / #20170352025

System and method for managing a protection mechanism using a digital wallet platform

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

12/07/17 / #20170352024

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

A method for intelligent routing for electronic wallet registration includes: storing, in a wallet database of a processing server, a plurality of wallet profiles, wherein each wallet profile includes a structured data set related to at least one electronic wallet including at least one or more wallet identifiers and one or more identification numbers; receiving, by a receiving device of the processing server, a wallet request from a computing device, wherein the wallet request includes at least a primary account number; executing, by a querying module of the processing server, a query on the wallet database to identify a specific wallet profile where one of the included one or more identification numbers corresponds to the primary account number; electronically transmitting, by a transmitting device of the processing server, at least one of the one or more wallet identifiers included in the identified specific wallet profile to the computing device.. . ... Mastercard International Incorporated

12/07/17 / #20170352022

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

A payment card processing system is configured to filter payment card transaction records to pass exclusively records having merchant identification data corresponding to merchants offering items via subscription, interact with a plurality of data storage devices to write a new subscription record for a given transaction to generate a new record in a subscription record database responsive to determining that the transaction represents a new subscription record, based at least on the merchant identifier data and account data in the transaction, and periodically updating one or more existing subscriptions records in a subscription record database.. . ... Mastercard International Incorporated

12/07/17 / #20170352013

Systems and methods for managing rules associated with transaction settlement procedures

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

12/07/17 / #20170351981

Systems and methods for determining restaurant capacity level

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

12/07/17 / #20170351771

Method and system for dynamic display of personalized images

A method for identification and distribution of a personalized image. As disclosed, the method involves a processing server receiving an image request from a web server. ... Mastercard International Incorporated

11/30/17 / #20170347161

Method and system for broadcasting an advertisement to a potential customer

A system and method for broadcasting an advertisement of a product in a network is disclosed. The system includes a first interface unit for receiving transaction data of large number of customers from a financial service provider system, a second interface unit for receiving a viewership data from a network service provider system, a configuration database which stores a master rule, first and second sets of rules and a processing unit. ... Mastercard International Incorporated

11/30/17 / #20170346693

Method and system for efficient distribution of configuration data utilizing permissioned blockchain technology

A method for propagating configuration data using a blockchain includes: storing a blockchain comprised of a plurality of blocks, each being comprised of a block header having a timestamp and one or more configuration transactions; receiving one or more configuration data items; generating a new configuration transaction for each configuration data item; hashing a most recent block identified based on the timestamp included in the respective block header to generate a previous block hash value; hashing a combination of the new configuration transactions and/or data associated therewith to generate a current block hash value; generating a new block header, the new block header including a current timestamp, the previous block hash value, the current block hash value, and a digital signature; generating a new block comprised of the new block header and each new configuration transaction; and updating the blockchain by appending the new block.. . ... Mastercard International Incorporated

11/30/17 / #20170345108

Method for recommending a vacation option

A computer-implemented method for recommending a vacation option for an account holder is provided, including: retrieving historical vacation transaction data relating to a plurality of historical vacation transactions settled for the account holder; processing the historical vacation transaction data to identify vacation characteristics relating to the account holder and a vacation budget representing an amount that the account holder is likely to spend on vacation travel, the vacation characteristics indicating a preferred weather under which the account holder has visited vacation venues identified by the historical vacation transaction data and a preferred time period during which the account holder has visited the vacation venues; retrieving a list of vacation options each associated with a budget that is within the identified vacation budget of the account holder; and recommending a vacation option from the retrieved list of vacation options based on the identified vacation characteristics.. . ... Mastercard International Incorporated

11/30/17 / #20170345039

Methods, systems, networks, and media for social payments

A method of determining a discount amount for an electronic commerce transaction can include determining, by a processor, whether a member of a financial institution has posted a review for an electronic commerce purchase within a preset threshold amount of time from a time when the member received a purchased item. Upon identifying the time at which the member posted the review, the processor can determine an eligible time period based on the preset threshold amount of time and the identified posting time. ... Mastercard International Incorporated

11/30/17 / #20170345009

Systems and methods for use in facilitating network transactions

Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, at a platform computing device, an instruction to initiate a payment account transaction at a consumer computing device and compiling an authorization request based on the instruction. ... Mastercard International Incorporated

11/30/17 / #20170345007

Systems and methods for providing stand-in authorization

A computer-implemented method for performing a stand-in payment authorization is provided. The method is implemented using a stand-in payment authorization (spa) computing device. ... Mastercard International Incorporated

11/30/17 / #20170345006

Systems and methods for location data verification

A method of verifying a location of an accountholder is provided. The method is implemented using a location verification (lv) computing device. ... Mastercard International Incorporated

11/30/17 / #20170345000

System and methods for enhanced payment authentication using merchant loyalty scheme

A computer-implemented method for enhancing payment transaction authentication using a merchant loyalty scheme is provided. The method is implemented using a verification computer device in communication with a memory. ... Mastercard International Incorporated

11/30/17 / #20170344998

Systems and methods for using network data in an automated delivery system

A computer-implemented method for using network data in an automated delivery system is provided. The method is implemented using a delivery validation server in communication with a memory. ... Mastercard International Incorporated

11/30/17 / #20170344997

Method and system for authentication of consumer geolocation using transaction messages

A method for authenticating a transaction account, comprising: providing access to a transaction account after validating an account identifier associated with a payment card and authentication information of the transaction account; receiving an input instruction configured to request authentication of use of the payment card in a geographic region associated with the atm; electronically transmitting, a plurality of data elements comprising the account identifier, the geographic region associated with the atm, and a processing code indicative of the requested authentication of use of the payment card; receiving authentication permitting the payment card for use in the geographic region associated with the atm; and displaying, data indicating the authentication permitting the payment card for use in the geographic region of the atm.. . ... Mastercard International Incorporated

11/30/17 / #20170344996

Systems and methods for use in reporting recovery of disabled account devices

Systems and methods are provided for recovering and reporting account devices associated with payment accounts, for example, when the devices have been compromised. One exemplary method includes receiving a request to report recovery of a compromised account device, causing an interface to be displayed to a recovering entity of the device, and populating data fields in the interface based on an identifier of the device included in the request. ... Mastercard International Incorporated

11/30/17 / #20170344990

Systems and methods for authenticating a requestor at an atm

An authentication computing device including at least one processor in communication with a memory is provided. The processor stores, within the memory, an authentication profile associated with an account holder. ... Mastercard International Incorporated

11/30/17 / #20170344989

Systems and methods for use in facilitating interactions between merchants and consumers

Disclosed are exemplary embodiments of systems and methods for use in facilitating interactions between merchants and consumers. In an exemplary embodiment, a method generally includes receiving a request to initiate a transaction at a merchant for a product offered for sale by the merchant, where the request includes a credential for a payment account associated with a consumer. ... Mastercard International Incorporated

11/30/17 / #20170344987

Method and system for an efficient consensus mechanism for permssioned blockchains using bloom filters and audit guarantees

A method for addition of a block to a permissioned blockchain using efficient consensus includes: storing a blockchain; receiving transaction messages having transaction values from consensus nodes; generating a merkle root for the transactions messages using transaction references; generating a proposed block header having the merkle root and a hash of the header of the most recently added block in the blockchain; hashing the proposed block header; transmitting a proposal message having a digital signature and the hashed proposed block header to auditing nodes; receiving a response message accepting the digital signature from a majority of auditing nodes; transmitting an accept message to the auditing nodes; transmitting a confirmation message to the consensus nodes including the hashed proposed block header and digital signature; and writing a new block to the blockchain having the transaction values from the transaction messages and a header including the proposed block header and digital signature.. . ... Mastercard International Incorporated

11/30/17 / #20170344986

Systems and methods for propagating messages associated with payment transactions

Systems and methods are provided for use in creating, distributing, and displaying messages. One exemplary method includes receiving, by a computing device, a message request associated with an event and extracting, by the computing device, payment information and message information from the request. ... Mastercard International Incorporated

11/30/17 / #20170344732

System and method for processing a transaction with secured authentication

Embodiments of the disclosure enable one or more transactions to be processed with secured authentication. A system server receives a request for authentication for an article associated with a first user that is associated with a user account, identifies one or more client devices associated with one or more secondary users that are associated with the user account, communicates with the one or more client devices to obtain biometric data associated with the one or more secondary users, determines whether to approve the request for authentication based on the biometric data associated with the one or more secondary users, and, on condition that the request for authentication is approved, generates an authentication token. ... Mastercard International Incorporated

11/30/17 / #20170344729

Systems and methods for identity authentication using software licenses

An authentication computing device for authenticating user identity using software license information is provided herein. The authentication computing device is configured to store a list of merchants that provide software licenses, and receive an authentication request associated with a transaction initiated using a payment card at a user computing device for a subsequent software license. ... Mastercard International Incorporated

11/30/17 / #20170344580

Method and system for transferring trust across block chain segments

A method for generating a segmented blockchain includes: storing a first blockchain, the blockchain being comprised of blocks including a recent block, the recent block including a corresponding block header and transaction values; generating a recent hash value via hashing the corresponding block header; writing a terminal block to the first blockchain, the terminal block including a terminal block header comprised of the recent hash value, an activated terminal flag, and a forward reference identifier; generating a terminal hash value via hashing the terminal block header; generating a second blockchain, the second blockchain being comprised of a starting block, the starting blocking including a starting block header comprised of the terminal hash value and an activated starting flag; and transmitting the terminal block and the second blockchain to one or more computing devices associated with the first blockchain.. . ... Mastercard International Incorporated

11/30/17 / #20170344435

Method and system for desynchronization recovery for permissioned blockchains using bloom filters

A method for recovery of missing or extra data using a bloom filter includes: storing a plurality of transaction messages, each including a transaction value; generating a bloom filter of the transaction messages, the bloom filter being generated using a number of hash rounds and with a size at least double the number of transaction messages; generating a recover message including the number of transaction messages, the number of hash rounds, the size, and the generated bloom filter; transmitting the recover message to a consensus node; receiving a response message from the consensus node, the response message including at least one additional transaction message; and inserting the at least one additional transaction message into the plurality of transaction messages.. . ... Mastercard International Incorporated

11/23/17 / #20170337626

Systems and methods for use in offering accounts to consumers based on locations of the consumers

Systems and methods are provided for use in offering credit accounts to consumers based on the consumers being at locations of merchants associated with the credit accounts. One exemplary method includes detecting, by a computing device, a location associated with a merchant and transmitting the detected location to a credit offer engine. ... Mastercard International Incorporated

11/23/17 / #20170337599

Method and system for identification of specially formatted data sets for optimization of acquirer performance

A method for identifying attributes for transaction messages exhibiting technical decline factors includes: storing transaction messages, each being formatted based on one or more standards and including a plurality of data elements including a first data element configured to store a response code; storing a plurality of attribute correspondences, each including a correspondence between a transaction attribute and data element value for a specific data element; executing a first query to identify a subset of transaction messages where the response code is one of a predetermined set of values; executing a second query to associate, for each transaction message, one or more transaction attributes based on data element values in the message and the attribute correspondences; identifying one or more transaction groups, each group corresponding to at least one transaction attribute and including transaction messages of the subset associated with each corresponding transaction attribute.. . ... Mastercard International Incorporated

11/23/17 / #20170337585

Systems and methods for providing advertising content to advertising media

Systems and methods are provided for directing advertising content to advertising media specific to one or more consumers proximate the advertising media. An example method includes receiving, by a computing device, a media proximity message (mpm) associated with an advertising medium. ... Mastercard International Incorporated

11/23/17 / #20170337558

Method and system for voice authenticated distribution of payment credentials

A method for voice-initiated provisioning of payment credentials includes: storing, in a memory of a computing device, at least payment credentials associated with a transaction account and authentication data; receiving, by an audio receiving device of the computing device, a first voice message; determining, by a first application program of the computing device, that the first voice message corresponds to an instruction; electronically transmitting, by the first application program of the computing device, a second voice message to a second application program of the computing device; authenticating, by the second application program of the computing device, the second voice message based on the stored authentication data; and electronically transmitting, by a transmitting device of the computing device, the payment credentials to a point of sale device.. . ... Mastercard International Incorporated

11/23/17 / #20170337556

Wallet management system

Provided are a system and method for managing digital wallets and thereby preventing unauthorized transactions. An exemplary method includes receiving a plurality of data feeds including a data feed from at least one wallet provider and a data feed from at least one fraud system, and receiving a security notification for a payment card, identifying a digital wallet which the payment card is associated with based on the received data feeds, identifying one or more other payment cards associated with the identified digital wallet based on the received data feeds, and generating a warning for the one or more other identified payment cards, and storing the warning for use during an authorization request of the one or more other identified payment cards.. ... Mastercard International Incorporated

11/23/17 / #20170337547

System and method for wallet transaction scoring using wallet content and connection origination

A method includes storing a record of an access transaction that involves an access account. The access account is associated with a digital wallet. ... Mastercard International Incorporated

11/23/17 / #20170337546

Method and system for linked electronic wallet application

A method for distributing credentials to a linked electronic wallet includes: storing a plurality of account profiles, each including data related to a transaction account including an associated account number, account identifier, and device identifier; storing a linked profile, the profile including data related to a linked transaction account including a primary account number, linked identifier, plurality of account identifiers, and account balance; receiving a linking request, the request including a specific account identifier and the linked identifier; identifying a specific account profile that includes the specific account identifier; updating the linked profile to include the specific account identifier in the included plurality of account identifiers; and electronically transmitting a data signal superimposed with payment credentials associated with the linked transaction account that includes at least the primary account number to a mobile communication device associated with the device identifier included in the identified specific account profile.. . ... Mastercard International Incorporated

11/23/17 / #20170337544

Method and system for managing the distribution of aid or benefits involving multiple partners sharing an infrastructure

A method for managing programs associated with multiple entities on a payment card includes: storing lease profiles, each lease profile including a lease identifier, managing identifier, transaction account numbers, and one or more tenant identifiers; receiving a management request, the management request including a specific lease identifier, specific managing identifier, and requesting tenant identifier; identifying a specific lease profile that includes the specific lease identifier; verifying that the specific managing identifier corresponds to the managing identifier included in the specific lease profile; inserting the requesting tenant identifier into the specific lease profile; receiving a program request, the request including the specific lease identifier, the requesting tenant identifier, and program data; and transmitting the program data to a payment card corresponding to one of the transaction account numbers included in the specific lease profile.. . ... Mastercard International Incorporated

11/23/17 / #20170337543

Method and system for allocating and transacting with multiple non-financial commodities

A method for conducting an offline, commodity-based transaction includes: storing program data for benefit programs, wherein the program data includes a program identifier and plurality of commodity pairs for the respective program, each commodity pair including a commodity code and balance; receiving a data request from a point of sale device, the request including a specific program identifier; identifying program data the specific program identifier; transmitting the identified program data to the point of sale device; receiving transaction data from the point of sale device, the transaction data including purchased commodity pairs, each purchased commodity pair including a commodity code and purchased amount; and updating the program data for the benefit program that corresponds to the specific program identifier by deducting the balance included in each commodity pair corresponding to a purchased commodity pair based on the respective commodity codes by the associated purchased amount.. . ... Mastercard International Incorporated

11/23/17 / #20170337541

Enhanced user experience for low value transactions

A method includes completing a payment transaction using a payment-enabled mobile device. The method further includes prompting a user to perform a user authentication process with respect to the payment-enabled mobile device. ... Mastercard International Incorporated

11/23/17 / #20170337540

Method of using bioinformatics and geographic proximity to authenticate a user and transaction

Systems and methods for authenticating payment transactions using a payment card processing system are disclosed. A method for processing one or more payment transactions using a payment processing system in communication with a computer readable storage medium includes receiving a push or pull request from a first device associated with a first user, wherein the push or pull request relates to a transaction with a second device associated with a second user, receiving a first biometric measurement from the first device, and receiving a second biometric measurement from the second device. ... Mastercard International Incorporated

11/23/17 / #20170337531

System and methods for supporting in-flight purchase with delivery at destination airport

A method includes receiving a request for a payment account purchase transaction from a customer. The request indicates at least one item to be purchased. ... Mastercard International Incorporated

11/23/17 / #20170337497

Method and system for calculating long-term parking demand

A method and system for estimating individual propensity to use airport support services, comprising: receiving at least a first data element configured to store a specific primary account number and an addendum configured to store travel data; executing a query on a transaction database to identify a subset of transaction messages; identifying a projected level of needed airport support services propensity to use long-term parking based on at least the travel data; identifying an entity associated with needed airport support services associated with the travel transaction based on at least the travel data stored in the addendum included in the received transaction message; and transmitting the identified projected level of needed support services.. . ... Mastercard International Incorporated

11/23/17 / #20170337490

Method and system for identifiying an ideal airport security arrangement

A system for identifying an ideal airport security arrangement based on cost-effectiveness. The system storing a plurality of passenger wait times and receiving a personnel cost for each n for a transportation center. ... Mastercard International Incorporated

11/23/17 / #20170336223

Method and system for facilitating travel

A computer-implemented method and computer system are proposed which suggest a multi-destination travel itinerary to a user, who is typically a payment card holder. The itinerary is generated using information about earlier multi-destination journeys made by the user and other payment card holders, as identified based on payment transaction data relating to payment transactions made by the card holders. ... Mastercard International Incorporated

11/16/17 / #20170331724

Systems and methods for routing communications within global payment networks

Exemplary payment networks and methods are provided for facilitating data transfers. One exemplary method includes determining a subset of network routers that offer access to a regional hub based on network address summaries for first and second routers and prioritizing the first router over the second router, based on a specificity value of each of the first and second routers, as defined by the network address summaries. ... Mastercard International Incorporated

11/16/17 / #20170330276

Systems and methods for analyzing spending behavior of participants associated with fund disbursement programs

Systems and methods are provided for use in responding to purchase behaviors of participants of disbursement programs. One exemplary method includes accessing transaction data associated with a payment account, where the payment account is associated with a participant and a disbursement program and where the transaction data is representative of a number of transactions made to the payment account. ... Mastercard International Incorporated

11/16/17 / #20170330196

Communication network and method for processing pre-chargeback disputes

A pre-chargeback computer network for processing pre-chargeback dispute messages includes a dispute analyzer (da) computing device. The da computing device is configured to receive a dispute message identifying a disputed transaction from an issuer portal over a first communication link, the dispute message including transaction data associated with the disputed transaction and dispute data. ... Mastercard International Incorporated

11/16/17 / #20170330190

System and method for transaction scoring using delivery receipt history

Embodiments of the disclosure enable one or more financial transactions to be processed based on a transaction score generated based at least in part on a delivery receipt history. A financial transaction processing computing device receives a request for authorization for a present financial transaction associated with a cardholder account, identifies a reference delivery receipt corresponding to a prior financial transaction associated with the cardholder account, analyzes the reference delivery receipt to generate a confidence metric indicative of a confidence in a legitimacy of the prior financial transaction, and generates a transaction score for the present financial transaction that is indicative of an expected risk associated with approving the request for authorization. ... Mastercard International Incorporated

11/16/17 / #20170330187

System and method for authenticating a transaction

Provided are a system and method for authenticating a transaction. The authentication method may be performed by a user computing device, and may include providing, to a merchant device, account information for payment of a transaction, receiving, from the merchant device, a request to authenticate the transaction using payment software of the user device, and executing the payment software in a virtual environment. ... Mastercard International Incorporated

11/16/17 / #20170330183

Mobile person to person voice payment

Methods, systems and apparatus for conducting mobile device person-to-person voice payments. An embodiment includes a mobile device processor of a mobile device detecting a first key entry by a sender during a mobile telephone call, muting the call, prompting the sender to enter persons-to-person (p2p) security data and a payment amount, and detecting a second key entry. ... Mastercard International Incorporated

11/16/17 / #20170330182

System for facilitating approval of in-flight payment account transactions

A method includes receiving a request for a payment account transaction. The method further includes determining whether the request has originated from a user device located within a transport aircraft at a time while the aircraft is in flight. ... Mastercard International Incorporated

11/16/17 / #20170330154

Computer-implemented method and computer system for generating and using a suitability score

An automatic process is proposed in which a computer extracts data relating to an individual from a social media site, and automatically compares the extracted data with a job description to form a numerical suitability index. Since the data is extracted from a social media site, its coverage is not limited to individuals who are part of a database maintained by a recruitment consultant. ... Mastercard International Incorporated

11/09/17 / #20170323404

Methods and systems for managing travel expenditure

A computerised method for managing travel expenditure is disclosed. The method comprises: receiving travel data for a traveller's proposed trip, the travel data comprising at least a travel budget and travel destination; receiving a user profile comprising at least an indication of spend level preference for the traveller; obtaining historic travel expenditure data for a plurality of customers; analysing the historic travel expenditure data in light of the travel data and user profile to determine an optimal proposed spend allocation for the traveller across different travel spend streams; and communicating the proposed spend allocation to the traveller along with a listing of potential merchants for each spend stream, the potential merchants being extracted from the historic travel expenditure data.. ... Mastercard International Incorporated

11/09/17 / #20170323360

System and method for managing events

In one aspect, a method is provided for managing events which includes receiving a host request, through a host access terminal, the host request comprising one or more event constraints that at least partially define an event. The method also includes searching a database of service proposals to locate at least one service proposal complying with one or more of the event constraints; transmitting the at least one service proposal to the host access terminal; receiving at least one service proposal acceptance from the host terminal; and receiving client access details of one or more clients. ... Mastercard International Incorporated

11/09/17 / #20170323355

Method and system for collecting customer feedback

The present application provides methods and devices for collecting customer feedback. The methods comprise the steps of determining whether a received input string used to authenticate a payment instrument against which a transaction is charged contains customer feedback data, and extracting the customer feedback data in response to determining presence of the customer feedback data.. ... Mastercard International Incorporated

11/09/17 / #20170323308

Method and apparatus for distributing advertisements using social networks and financial transaction card networks

An exemplary method for distributing an offer to a mobile device includes identifying a location of a first mobile device, identifying offer preferences for a user of the first mobile device, and distributing the offer to the first mobile device. The offer is an offer for the purchase of goods or services, the offer meets the offer preferences of the user of the first mobile device, and the offer is encoded with a first offer identifier corresponding to the user of the first mobile device.. ... Mastercard International Incorporated

11/09/17 / #20170323297

System and method for provisioning payment token to payment accessory device

A payment accessory device is operatively coupled to a smart speaker. The smart speaker provides a voice-implemented personal assistant software service. ... Mastercard International Incorporated

11/09/17 / #20170323294

Method and system for instantaneous payment using recorded guarantees

A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.. . ... Mastercard International Incorporated

11/09/17 / #20170323292

Methods and systems for making payments

A computer-implemented method and computer system are proposed for assisting a consumer associated with a plurality of payment cards. When the consumer wishes to make a payment transaction, a computer system with access to information about the payment cards and access to at least one consequence database storing information relating to consequences of the making payment using the payment cards, determines consequences of making the payment using each of a plurality of the payment cards. ... Mastercard International Incorporated

11/09/17 / #20170323280

Method and system for facilitating installments in an electronic transaction

A method for facilitation of installments for an electronic transaction includes: receiving a transaction message for an electronic transaction including an account identifier, transaction identifier, transaction date, and transaction amount; storing a transaction record for the transaction including the transaction identifier, transaction amount, transaction date, and a due date based on the transaction date; receiving an installment request, the request including the transaction identifier and installment options; calculating installment terms based on the installment options, transaction amount, transaction date, and due date, wherein the installment terms and/or options including an installment amount and number of installments; generating a plurality of transaction records, each related to an installment including the transaction identifier, installment amount, and a payment date based on the due date and number of installments, the number of transaction records being equivalent to the number of installments; and replacing the transaction record with the generated plurality of transaction records.. . ... Mastercard International Incorporated

11/09/17 / #20170323278

Systems and methods for providing a tailored user experience at a self-service kiosk

Embodiments of the disclosure enable a tailored user experience to be provided. A kiosk system includes a scanner component configured to identify biometric data; a metric component configured to communicate with the scanner component to identify user identifier data based on the biometric data; a transaction component configured to communicate with the metric component to identify a financial account corresponding to the identified user identifier data, and generate a request for authorization for a financial transaction using the identified financial account; and a dispenser component configured to communicate with the transaction component to determine whether to dispense the beverage. ... Mastercard International Incorporated

11/09/17 / #20170323077

Privacy-compliant analysis of health by transaction data

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

11/09/17 / #20170322936

Method and system for distributed data storage with eternal integrity guarantees

A method for generating a universal distributed data storage includes: receiving a plurality of data values; generating a key for each of the plurality of data values, wherein the respective key is generated via application of a hashing algorithm to the associated data value; storing, in a database, each of the plurality of data values and the associated generated key as a plurality of key-value pairs; receiving a plurality of additional key-value pairs, wherein each value of the plurality of additional key-value pairs is not included in the plurality of data values; and storing, in the database, each of the plurality of additional key-value pairs, wherein each key included in the plurality of additional key-value pairs is generated via application of the hashing algorithm to the associated value and is not included in the keys generated for each of the plurality of data values.. . ... Mastercard International Incorporated

10/26/17 / #20170308947

System and method for purchase recommendation for wallet linked user

A method includes storing interaction data related to a first user and at least one other user. The interaction data is indicative of interactions among mobile devices operated by the users. ... Mastercard International Incorporated

10/26/17 / #20170308900

System and method for scoring cross border transactions

A method includes receiving transaction data concerning a transaction. The transaction data includes at least one account holder category of information associated with the transaction. ... Mastercard International Incorporated

10/26/17 / #20170308899

Speeding up chip transaction at the point of sale

A payment transaction is performed at a pos (point of sale) device. The device includes a terminal component and a reader component. ... Mastercard International Incorporated

10/26/17 / #20170308895

Method and system for contactless transactions without user credentials

A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.. . ... Mastercard International Incorporated

10/26/17 / #20170308886

Systems and methods for communicating with a magnetic reader head

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

10/26/17 / #20170308880

Identifying transactions at self-checkout terminals

A method and system include identifying, at a merchant device, a purchase transaction at a self-checkout terminal, wherein the purchase transaction is via a payment card product; generating a self-checkout terminal indicator; receiving, by a computer from the merchant device, a payment authorization request for the purchase transaction, wherein the payment authorization request comprises payment data and the self-checkout terminal indicator; and transmitting information associated with the self-checkout terminal indicator to an issuer. Numerous other aspects are provided.. ... Mastercard International Incorporated

10/12/17 / #20170295470

Systems and methods for determining device location using wireless data and other geographical location data

A computer-implemented method for determining device location of a user device within a venue using a wireless positioning system is provided. The method includes identifying a plurality of signal sample sets, wherein each signal sample set includes a sample location within the venue and one or more wireless signal strengths of associated wireless access points positioned at the venue, wherein the sample location is determined based on location data associated with a corresponding payment card transaction within the venue. ... Mastercard International Incorporated

10/12/17 / #20170293982

Methods and apparatus for processing a purchase

Methods and devices for processing a payment transaction for a purchase carried out by a vehicle user with a merchant are provided. The method comprises a server (a) obtaining a vehicle id, from a vehicle detection unit, upon a vehicle entering a premise of the merchant; (b) interrogating a database using the vehicle id to obtain a device identifier associated with a communication device of the user; (c) transmitting the device identifier to a wallet server over a communication network; (d) receiving, upon authorization by the wallet server, over the communication network wallet information associated with a digital wallet of the user; (e) receiving, via the communication device, product information indicative of one or more product items ordered by the user; and (f) transmitting a transaction request to a payment network to cause a payment transaction in respect of the one or more products to be processed, said transaction request comprising the wallet information. ... Mastercard International Incorporated

10/12/17 / #20170293932

Method and system for real-time rebate application

A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.. ... Mastercard International Incorporated

10/12/17 / #20170293931

Method and system for real-time promotions

A method for determining rebate eligibility of an electronic transaction is described. The method includes identifying an account profile based on a received transaction message; generating a reward cost based on reward rules; and determining eligibility for reward usage by the transaction account related to the identified specific account profile based on a correspondence between a stored reward value and the generated reward cost.. ... Mastercard International Incorporated

10/12/17 / #20170293930

Method and system for standalone real-time rewards

A method for determining rebate eligibility of a transaction account is described. The method includes receiving a real-time message including a reason code; identifying a specific account profile from a plurality of profiles; validating the reason code based on a plurality of predetermined valid reason codes; and validating a transaction account related to the identified specific account profile for eligibility of a rebate based on at least the included account balance and a cost value included in the real-time message.. ... Mastercard International Incorporated

10/12/17 / #20170293927

Method and system for post-transaction rewards

A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.. ... Mastercard International Incorporated

10/12/17 / #20170293926

Method and system for integrated reward redemption

A method for generating a controlled payment number using reward value is described. The method includes receiving a redemption request including a specific account identifier and a reward amount; validating a reward balance included in a specific account; generating a controlled payment number request that includes at least the specific account identifier and a currency amount based on the reward amount; electronically transmitting the generated controlled payment number to a computing device to generate a controlled payment number.. ... Mastercard International Incorporated

10/12/17 / #20170293872

Systems and methods for enabling multiple management activities for business entities through domain models

Systems and methods for use in enabling multiple management activities for a business entity through a domain model are disclosed. One exemplary method includes receiving, in response to a user input, a change to a domain model. ... Mastercard International Incorporated

10/05/17 / #20170289120

Systems and methods for authenticating user for secure data access using multi-party authentication system

A method for authenticating a user for accessing secure data from a first data provider is provided. The method is implemented by an authentication system of a second data provider. ... Mastercard International Incorporated

10/05/17 / #20170288884

Systems and methods for device to device authentication

A method for authenticating a user device by an authentication computing device is provided. The method includes generating, using the authentication computing device, a locked data file for use in authenticating a user device enrolled in an authentication service, the locked data file is configured to process a challenge and generate a challenge response. ... Mastercard International Incorporated

10/05/17 / #20170286966

Systems and methods for secure authentication of transactions initiated at a client device

A method for authenticating a cardholder for a candidate purchase using an authentication computing device in communication with a memory is provided. The method includes receiving an authentication profile associated with the cardholder during an enrollment process for an authentication service, storing the authentication profile within the memory, and receiving an authentication request for the candidate purchase over a first communication link. ... Mastercard International Incorporated

10/05/17 / #20170286961

Electronic fraud prevention systems and methods

A method, a non-transitory computer readable medium with computer executable instructions stored thereon, and a fraud prevention processor each prevent electronic fraud. An electronic communication is received from a resource via a network and it is determined whether the electronic communication includes a premium amount. ... Mastercard International Incorporated

10/05/17 / #20170286952

Method and system for notifications triggered using data tracking algorithms

A method for monitoring for unwanted recurring transactions includes: storing account profiles, each including a primary account number, communication details, and transaction data entries having data related to a completed transaction including a paid amount, merchant identifier, and indication of being a recurring or non-recurring transaction; receiving a transaction message related to a payment transaction, the transaction message including a specific primary account number, transaction amount, specific merchant identifier, and indication of a recurring payment transaction; identifying a specific account profile that includes the specific primary account number; determining a likelihood of an unwanted recurring payment based on a lack of transaction data entries in the specific account profile that include the specific merchant identifier and an indication of being a recurring transaction; and transmitting a notification to a computing device based on the communication details included in the identified specific account profile, the notification indicating the unwanted recurring transaction.. . ... Mastercard International Incorporated

10/05/17 / #20170286949

Methods and systems for performing a transaction

A computerised method for performing a transaction is disclosed. The method comprises: generating, by a merchant billing machine at a merchant location, transaction data comprising a transaction cost and identifying, via the merchant billing machine, a customer digital wallet and/or number for a customer mobile device. ... Mastercard International Incorporated

10/05/17 / #20170286929

Method and system for digital money management for a payment account

A method for managing account savings via authorization holds includes: storing an account profile related to a transaction account including an account identifier and primary account number; receiving a savings request including the account identifier and savings data; identifying a starting amount, goal amount, and period of time based on the savings data; generating a first transaction message including the primary account number starting amount; transmitting the first transaction message to a financial institution associated with the related transaction account; generating a second transaction message including the primary account number and goal amount; and transmitting the second transaction message to the financial institution associated with the related transaction account after at least the period of time following transmission of the first transaction message.. . ... Mastercard International Incorporated

10/05/17 / #20170286656

Systems and methods for paired device authentication

A pair of remote computing devices for authenticating a user of one of the pair of remote computing devices is provided. The pair of remote computing devices includes a first computing device and a second computing device. ... Mastercard International Incorporated

09/28/17 / #20170279763

Systems and methods for resolving data inconsistencies between domain name systems

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

09/28/17 / #20170278183

Systems and methods for use in depositing funds to deposit accounts

Systems and methods are provided for depositing funds to a deposit account associated with a consumer. On exemplary method includes initially receiving, at a computing device, a deposit request from a merchant via a payment network and/or an acquirer. ... Mastercard International Incorporated

09/28/17 / #20170278156

Methods and apparatus for determining whether a product or selection of products is within a duty free allowance

A computer implemented method of providing an indication whether a basket content is within a duty free allowance is disclosed. The method comprises receiving, in a duty free allowance analysis server, destination indication information for a passenger; determining, in a destination look up component of the duty free allowance analysis server, a destination of the passenger from the destination indication information; looking up a duty free allowance for the destination in a duty free allowance database; receiving, in the duty free allowance analysis server, an indication of a basket content, the basket content comprising at least one product selected by the passenger; looking up product information for the basket content in a product database; comparing, in a duty free allowance analysis component of the duty free allowance analysis server, product content information determined from the product information with the duty free allowance for the destination; and outputting an indication of whether the basket content is within the duty free allowance.. ... Mastercard International Incorporated

09/28/17 / #20170278111

Registry-demand forecast method and apparatus

A system, method, and computer-readable storage medium configured to forecast and model demand.. . ... Mastercard International Incorporated

09/21/17 / #20170270604

Method and system for pre-transaction installment payment solution and simulation of installment

A method for flagging a pre-approved installment transaction for issuer processing includes: receiving installment data, wherein the installment data is related to an installment transaction pre-approved by an issuing financial institution and includes a primary account number, pre-approved amount, and transaction criteria; receiving a transaction message including the primary account number, a transaction amount, and transaction data; verifying compliance of the payment transaction with the installment transaction based on a correspondence between the pre-approved amount and transaction amount and the transaction criteria with the transaction data; storing an installment flag in the transaction message upon successful verification; and transmitting the transaction message including the installment flag to the issuing financial institution via the payment network.. . ... Mastercard International Incorporated

09/21/17 / #20170270557

Method and system for tokenization of reward data

A method for tokenizing non-payment identifier, comprising storing a plurality of account profiles, wherein each account profile is a structured data set related to a transaction account including at least a non-payment identifier, at least one of a personal account number (pan), and quantity of points affiliated with the non-payment identifier. Receiving a data signal from a consumer communication device, wherein the data signal may be superimposed with a tokenization request, the tokenization request including at least a non-payment identifier. ... Mastercard International Incorporated

09/21/17 / #20170270521

Systems and methods for use in providing payment transaction notifications

Systems and methods are provided for use in distributing payment transaction notifications. One exemplary method includes identifying, by a computing device, transaction data for a transaction associated with a child token to a group payment account and identifying, by the computing device, in a data structure, a parent token with which the child token is associated. ... Mastercard International Incorporated

09/21/17 / #20170270498

Method and system to purchase from posts in social media sites

A method for shopping from a social media site using a direct buy link comprises electronically storing a plurality of account profiles and receiving a data message electronically transmitted via a communication network. The method may query a social media database for an account profile associated with the consumer identifier and the pin. ... Mastercard International Incorporated

09/21/17 / #20170270493

Method and system for recording point to point transaction processing

A method for processing a point to point payment transaction includes: receiving a first data message related to a payment transaction, storing, the first, second and third data element with a link to a record affiliated with the first data message; generating, a second data message related to the payment transaction; storing, the first data element with a link to a record affiliated with the second data message; generating a third data message related to the payment transaction, storing the first data element, and the second data element with a link to a record affiliated with the third data message, and transmitting the first data message, the second data message, the third data message for display on a graphical user interface (gui).. . ... Mastercard International Incorporated

09/14/17 / #20170264522

Systems, methods, apparatus, and computer-readable media for monitoring a data stream

Systems, methods, and apparatus for monitoring flow of data traffic are described. For each of a plurality of transfer units from a data stream (e.g., messages from a message queue), a value of a first field of the transfer unit is mapped to a corresponding counter in random-access memory and the counter is updated. ... Mastercard International Incorporated

09/14/17 / #20170262934

Method and apparatus for tracking payments

A computer-implemented method for tracking payments is provided. The method comprises (a) receiving an electronic request for tracking payments; (b) obtaining, by a transaction analysis component, transaction records representing a plurality of transactions associated with a vendor from at least one database, each said transaction record comprises a plurality of information fields including a transaction amount, said plurality of transactions being performed via a payment network, operation (b) further comprising (i) identifying one or more credit transaction records representing one or more first transactions made using one of pre-defined payment devices with a terminal of the vendor, said one or more first transactions being for one or more orders made with the vendor, and (ii) identifying one or more debit transaction records representing one or more second transactions, wherein the one or more second transactions are purchases made by the vendor with one of designated third parties; and (c) calculating, by the transaction analysis component, a transaction-flow index representing a likelihood of the purchases being for fulfilling the one or more orders, based on a balance of the one or more credit and debit transaction records. ... Mastercard International Incorporated

09/14/17 / #20170262889

Methods and devices for identifying a merchant

Methods and devices are provided for identifying a merchant and making a reservation with the merchant. In one aspect, a method is provided utilizing a communication device configured for (a) receiving navigation data associated with a user; (b) upon receiving an activation signal, generating an electronic request using the activation signal and the navigation data, the electronic request encoding a request for goods or services corresponding to the activation signal; (c) transmitting the electronic request to a computer server to obtain merchant information of one or more candidate merchants; (d) receiving the merchant information, the merchant information including geographic locations of the one or more candidate merchants. ... Mastercard International Incorporated

09/14/17 / #20170262874

Methods and system for identifying consumer preferences

A method and system are proposed for providing recommendations to providers of products in a travel destination, of which products to offer. For a set of consumers for whom travel data indicates that they will in the future travel to the travel destination, transaction level data is used to obtain product preference data which statistically characterizes products the set of consumers prefer. ... Mastercard International Incorporated

09/14/17 / #20170262871

Methods and devices for obtaining information about consumer spending

When a consumer makes a purchase at a retail location, a communication device associated with the consumer receives information specifying the type of product purchased. This may be done by the consumer entering the information manually, by the communication device receiving a data file over an interface, or by a camera of the communication device capturing a picture of a receipt. ... Mastercard International Incorporated

09/14/17 / #20170262853

Method and system for biometric confirmation of suspect transactions

A method for confirmation of a suspect transaction includes: storing device profiles, each including a device identifier and registered biometric data; receiving a confirmation request from a third party entity including a specific device identifier and a transaction identifier and data values associated with a suspect transaction; identifying a specific device profile that includes the specific device identifier; transmitting a biometric request to the computing device related to the specific device profile, the biometric request including the transaction identifier and data values; receiving a confirmation message from the computing device including confirmation of the suspect transaction, the transaction identifier, and supplied biometric data; verifying the supplied biometric data as being equivalent to the registered biometric data in the specific device profile; and transmitting a confirmation response to the third party entity including the indicated confirmation, an indication of positive verification of the biometric data, and the transaction identifier.. . ... Mastercard International Incorporated

09/14/17 / #20170262841

Method and system for electronic distribution of controlled tokens

A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the second mobile device; and transmitting a new set of token credentials to the second mobile device.. . ... Mastercard International Incorporated

09/14/17 / #20170262839

Mobile secure element based shared cardholder verification

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

09/14/17 / #20170262832

Systems and methods for use in facilitating payment account transactions

Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at least one product and receiving a checkout token for the payment account transaction from a person-to-merchant (p2m) engine. ... Mastercard International Incorporated

09/14/17 / #20170262831

Method and system for point to point transaction processing

A method for processing a point to point payment transaction includes: receiving a first transaction message related to a payment transaction including a transaction amount, primary account number, and recipient account number; generating a second transaction message related to the payment transaction including a payment amount based on the transaction amount; transmitting the second transaction message to a first financial institution associated with the primary account number; determining receipt of a currency amount equivalent to the payment amount from the first financial institution; generating a third transaction message related to the payment transaction including the recipient account number and a settlement amount based on the transaction amount; and transmitting the third transaction message to a second financial institution associated with the recipient account number.. . ... Mastercard International Incorporated

09/14/17 / #20170262819

Systems and methods for use in transferring funds between payment accounts

Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts, based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing, by a computing device, at least one symbol representative of a destination account identifier associated with the destination account and identifying, by the computing device, a source account. ... Mastercard International Incorporated

09/14/17 / #20170262784

Apparatus, method, and computer program product for correlating global positioning system data and iso 8583 network transaction data or the like

A mobile application is made available for download to a device associated with a mobile business. Data describing a varying location of the business (and including an id) is obtained by exposing an api to the application over a wireless network. ... Mastercard International Incorporated

09/14/17 / #20170262261

Systems and methods for processing extensible markup language data during runtime

A method for dynamically loading one or more extensible mark-up language (xml) schema definition (xsd) files into a java™ virtual machine (jvm) during runtime is provided. The method includes generating java™ objects from one or more initial xsd files. ... Mastercard International Incorporated

09/07/17 / #20170256013

Systems and methods for dynamic ambulance deployment

A dispatcher command center for dynamic ambulance deployment based on population density is described herein. The dispatcher command center is configured to display a street map of a coverage area, the street map including a first representation of a likely population density within the coverage area, and display an ambulance location of a plurality of ambulances. ... Mastercard International Incorporated

09/07/17 / #20170255956

Systems and methods for analyzing businesses based on gratuities

A gratuity analyzing computing device and method are provided. The computing device may include a receiver to receive transaction data of a plurality of merchants, wherein the transaction data includes authorization transactions and clearing transactions, a calculator to match a plurality of authorization transactions with a plurality of clearing transactions, respectively, and calculate gratuity amounts for the plurality of matched transactions, an analyzer to select at least two merchants, generate tip data for each selected merchant, the tip data for a respective merchant being generated based on gratuity amounts of matched transactions that correspond to the respective merchant, and rank the at least two merchants based on a comparison of the generated tip data of the at least two merchants with respect to each other, and a transmitter configured to output the rank and the tip data of the at least two merchants to a user.. ... Mastercard International Incorporated

09/07/17 / #20170255940

Systems, methods, apparatus, and computer-readable media for age verification

Systems, methods, apparatus, and computer-readable storage media are described which respond to a request to verify the age of a cardholder, wherein said response is based on biometric information of the cardholder.. . ... Mastercard International Incorporated

09/07/17 / #20170255934

Systems and methods for facilitating event access through payment accounts

Exemplary systems and methods for linking access credentials with payment accounts and facilitating access to events based on associations between the payment accounts and the events are disclosed. One exemplary method includes receiving, at a computing device, an authorization request for purchasing access to an event where the authorization request includes event content, ticket content, and payment content, and where the authorization request is associated with a merchant. ... Mastercard International Incorporated

09/07/17 / #20170255929

Mobile secure element based shared cardholder verification

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

09/07/17 / #20170255928

Mobile secure element based shared cardholder verification

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

09/07/17 / #20170255882

Systems and methods for facilitating event access through payment accounts

Exemplary systems and methods for facilitating access to events based on associations between payment accounts and such access are disclosed. One exemplary method includes receiving, at a computing device, an access request for an event where the access request is associated with a consumer requesting access to the event, and searching, by the computing device, in a data structure for a payment account identified in the request. ... Mastercard International Incorporated

08/24/17 / #20170243313

Method and system for facilitating analysis of travel routes

Methods and systems for facilitating analysis of travel routes are provided. The method comprising: obtaining addendum data associated with electronic transactions conducted in relation to travel segments, the addendum data comprising a traveller identity, a time, a date, an originating location and a destination location of each of the travel segments; identifying, using an analysis module, travel segments having a time and/or date within a pre-determined period for each traveller identity based on the addendum data; determining, using the analysis module, at least one transit location for each of the traveller identities based on the identified travel segments, wherein the transit location is defined as a location that is both an originating location of one of the identified travel segments and a destination location of another of the identified travel segments; and determining, using the analysis module, a number of traveller identities associated with each transit location.. ... Mastercard International Incorporated

08/24/17 / #20170243225

Systems and methods for using multi-party computation for biometric authentication

Multi-party computation systems and methods for user biometric authentication. In some embodiments, a biometric authentication service computer receives a user authentication request from an entity, determines user enrollment in the biometric authentication service, transmits a prompt message to a user device for at least one type of user biometric feature data, receives the biometric feature data, determines at least two biometric authentication system computers, separates the user biometric feature data into at least two user biometric data portions, transmits each of those portions to a separate biometric authentication system computer. ... Mastercard International Incorporated

08/24/17 / #20170243224

Methods and systems for browser-based mobile device and user authentication

Methods and systems for authenticating both a browser-based user mobile device and the user in association with an online transaction. In an embodiment, the process includes receiving, by a cloud-based authentication service computer, a user authentication request from a user mobile device. ... Mastercard International Incorporated

08/24/17 / #20170243221

Online payment transaction fraud detection utilizing delivery information

According to some embodiments, a payment system authorization platform may receive an electronic payment transaction authorization request for an online purchase using a payment account, wherein the payment transaction authorization request includes delivery information. The payment system authorization platform may then automatically analyze data associated with the payment transaction authorization request, including the delivery information, in accordance with a fraud detection model to generate an authorization result. ... Mastercard International Incorporated

08/24/17 / #20170243220

Systems and methods for blocking ineligible fraud-related chargebacks

A computer-implemented method for automatically blocking an ineligible fraud-related chargeback from chargeback processing over a network is provided. The method is implemented using a chargeback blocking (cb) computing device. ... Mastercard International Incorporated

08/24/17 / #20170243219

Multi-commerce channel wallet for authenticated transactions

A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline pins, securecode pins and/or online pins.. ... Mastercard International Incorporated

08/24/17 / #20170243218

Multi-commerce channel wallet for authenticated transactions

A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline pins, securecode pins and/or online pins.. ... Mastercard International Incorporated

08/24/17 / #20170243207

Systems and methods for pre-processing network messages to optimize routing

A message routing and pre-processing (mrp) computing device is described herein. The mrp computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. ... Mastercard International Incorporated

08/24/17 / #20170243181

Methods and systems for replacing a primary account number (pan) with a unique identfier

Methods, systems and apparatus relate to remittance transactions wherein a recipient's primary account number (pan) is replaced with a unique identifier that reduces pci data at-rest compliance requirements for a remittance network while also containing static information that permits cardholder account level tracking. In an embodiment, a sending remittance system computer receives a remittance payment request with a remittance amount, a currency type, and a recipient's pan. ... Mastercard International Incorporated

08/17/17 / #20170237730

Identity federation and token translation module for use with a web application

An identity federation and security token translation module and method for operable engagement with a web application or an internet information service (iis). A first server includes computer-executable instructions defining the identity federation and security token translation module for managing and facilitating a creation of a custom security principal object for a user requesting access to the web application. ... Mastercard International Incorporated

08/17/17 / #20170236122

Method and system for unification of wearable activity data and transaction data

A method for pairing wearable computing device activity data with additional data includes: storing a plurality of activity profiles, wherein each activity profile includes data related to activity of a wearable computing device including at least a device identifier and one or more activity data entries; storing a plurality of transaction data entries, wherein each transaction data entry includes data related to an electronic transaction including at least a primary account number and additional transaction data; receiving pairing data, wherein the pairing data includes at least a specific device identifier and a specific primary account number; identifying a specific activity profile where the included device identifier corresponds to the specific device identifier; identifying one or more transaction data entries where the included primary account number corresponds to the specific primary account number; and updating the identified specific activity profile to include at least the specific primary account number.. . ... Mastercard International Incorporated

08/17/17 / #20170236121

Method and system for offline blockchain exchanges

A method for conducting an offline data exchange associated with a blockchain includes: storing a structured data set associated with a blockchain network, the data set including a network identifier, unspent output hash, output index, output value, and key pair; receiving the network identifier and a transaction amount from a point of sale; validating the structured data set as including the network identifier and an output value greater than or equal to the transaction amount; transmitting the unspent output hash and output index to the point of sale; receiving a destination address from the point of sale; generating transaction data including the destination address and a payment amount based on the transaction amount; and transmitting the transaction data to the point of sale.. . ... Mastercard International Incorporated

08/17/17 / #20170236107

Automated teller machine and related method

An automated teller machine and a method thereof comprising a reading unit configured to receive identification data from an electronic payment device; a personalization unit configured to retrieve predefined details linked to said identification data, access one or more media items and determine a score for at least one media items, a user interface unit configured to receive input data from a user and display one or more selected media items; and a cash dispenser for dispensing a user-selected amount of currency; wherein the personalization unit is configured to select and play back to the user, via the user interface unit, one or more personalized media items based on said predefined details and/or score.. . ... Mastercard International Incorporated

08/17/17 / #20170236106

Systems and methods for distributing payment network services

Systems and methods are provided for use in distributing one or more services to edge devices in a payment network. One exemplary method includes receiving, at an edge device, an authorization request related to a payment account from a customer, identifying at least one service associated with the request and/or the payment account, and performing said at least one service, at the edge device. ... Mastercard International Incorporated

08/17/17 / #20170235797

Method and system for standardization of wearable device measurement

A method for establishing trigger events for wearable computing device activity includes: receiving a trigger event submission, the trigger event submission including at least an activity unit type, one or more activity unit values, and an application identifier associated with an application program corresponding to a wearable computing device; storing an activity unit profile, wherein the activity unit profile includes at least the application identifier and the activity unit type; storing a trigger profile for each activity unit value of the one or more activity unit values, wherein each trigger profile includes at least the application identifier and the respective activity unit value; and electronically transmitting a confirmation notification indicative of confirmation of storage of the trigger profile for each activity unit value to the computing device.. . ... Mastercard International Incorporated

08/17/17 / #20170235731

Method and system for content identification based on wearable device data

A method for distributing content to a mobile communication device includes: storing a plurality of content profiles, wherein each content profile includes at least a content data file and associated trigger data; receiving an activity notification, wherein the activity notification includes at least trigger data associated with activity data corresponding to a wearable computing device interfaced with the mobile communication device; identifying one or more content profiles based on the included associated trigger data and the trigger data included in the activity notification; generating a data signal superimposed with at least the content data file included in the identified one or more content profiles; and electronically transmitting the generated data signal to the mobile communication device.. . ... Mastercard International Incorporated

08/17/17 / #20170235725

Systems and methods for query queue optimization

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

08/10/17 / #20170228752

Determining and offering context based rewards

A method includes receiving from a mobile device context data derived from one or more sensors, determining the occurrence of a trigger based, at least in part, upon the received context data, utilizing the context data and at least one purchase datum to determine a reward and transmitting the reward to the mobile device.. . ... Mastercard International Incorporated

08/10/17 / #20170228730

Method and system for secondary authorization processing

A method for performing value-added services using a secondary payment network includes: receiving a first authorization request via a first payment network including a first identifier indicating an acquirer as an originator and additional transaction data; generating a second authorization request including a second identifier indicating an issuer as an originator and the additional transaction data; transmitting the second authorization request via a second payment network; receiving the second authorization request via the second payment network modified to include value-added service data; determining approval or denial based on the value-added service data and additional transaction data; generating a first authorization response including a response code indicating the approval or denial and the additional transaction data; transmitting the first authorization response via the second payment network; receiving the first authorization response via the second payment network; and transmitting a second authorization response via the first payment network.. . ... Mastercard International Incorporated

08/10/17 / #20170228715

Method and system for point of sale payments

A method of performing a point of sale (pos) payment transaction at a merchant location, the method including, in one or more electronic processing devices: (a) receiving a transaction request including an indication of a transaction identifier from the user device; (b) retrieving an indication of payment information from a merchant system using the transaction identifier; (c) requesting user account information from the user device; (d) receiving the user account information in response to user input; and (e) initiating payment authorization with a payment processing system using the payment information and user account information to enable the payment transaction to be performed.. . ... Mastercard International Incorporated

08/10/17 / #20170228708

Apparatus and methods for generating account creation information

In an embodiment, an apparatus for generating account creation information is provided. The apparatus comprises: a computer processor and a data storage device, the data storage device having a look-up module; a value determination module; and an account creation information generation module comprising non-transitory instructions operative by the processor to: receive an indication of a travel document of a passenger; look up passenger details of the passenger, in a passenger information database coupled to the apparatus, using the indication of the travel document of the passenger; receive an indication of a currency deposit by the passenger; determine a value from the indication of the currency deposit; and generate account creation information, the account creation information comprising an indication of the passenger details of the passenger and an indication of the value.. ... Mastercard International Incorporated

08/10/17 / #20170228707

System and method for making a deposit with a depository institution

There is provided a method, platform and system for making a monetary deposit with a depository institution. In at least some embodiments, the method, platform and system allow users to gain access to preferential rates for their monetary deposits, and can also provide a channel for some depository institutions to provide monetary deposit products/services for the users, whereby these depository institutions could not or did not provide such monetary deposit products/services in the past.. ... Mastercard International Incorporated

08/10/17 / #20170228698

System and method for benefit distribution with improved proof-of-life features

A method includes determining that a benefit payment is due to be made to a recipient. A data store is accessed, where the data store contains records of payment transactions made by the recipient. ... Mastercard International Incorporated

08/10/17 / #20170228690

System and method for delivery receipting and user authentication in unmanned product deliveries

A method includes transporting an item for delivery to a delivery location by an unmanned vehicle. The method further includes receiving a signal that authenticates a recipient present at the delivery location. ... Mastercard International Incorporated

08/10/17 / #20170228231

Identification and association method and system

A method for identifying at least one asset associated with an application program, each of the at least one asset having at least one electronic asset processing device configured to at least partially interact with the application program, is provided. The method includes determining a unique application identifier indicative of an identity of the application program, retrieving at least one asset identifier from an identifier store using the unique application identifier, the at least one asset identifier being indicative of the at least one asset. ... Mastercard International Incorporated

08/03/17 / #20170223017

Interpreting user expression based on captured biometric data and providing services based thereon

Methods and systems for authenticating a user based on user expression. In some embodiments, an authentication service computer receives a user authentication request during a transaction, determines that the user is enrolled in a user expression authentication service, and transmits a prompt message for biometric data to a user device of the user. ... Mastercard International Incorporated

08/03/17 / #20170221153

Systems and methods for use in compressing data structures

Systems and methods are provided for compressing data structures. One exemplary method includes accessing a target data structure defining multiple columns, and filtering the columns based on a cardinality of terms in each of the columns. ... Mastercard International Incorporated

08/03/17 / #20170221085

Systems and methods for creating an options program using payment transactions performed within a geographic sector

A computer-implemented method for creating and managing an options program associated with payment transactions initiated in a geographic sector is described herein. The method is implemented using an analytics evaluation and management (aem) computing device. ... Mastercard International Incorporated

08/03/17 / #20170221053

Digital asset conversion

A method of converting digital assets into a transaction currency is described that it suitable for use in a transaction system that is not adapted for transactions using the digital assets. The digital assets are stored so that they can be used with one or more exchanges adapted for conversion of the digital assets into the transaction currency. ... Mastercard International Incorporated

08/03/17 / #20170221042

Information source selection for identification and verification processes

A method includes receiving a request to provision a payment profile to a payment service facility. The method further includes determining source selection criteria applicable to the provisioning request. ... Mastercard International Incorporated

08/03/17 / #20170221031

Computer systems, methods and software for making purchases

A software application is installed in a mobile communication device. A consumer at a retail location carries the communication device. ... Mastercard International Incorporated

08/03/17 / #20170221022

Information transaction infrastructure

A method of transferring information with verification from a first party to a second party using suitably programmed computing apparatus is described. Information from a first party private address to a first party public address. ... Mastercard International Incorporated

07/27/17 / #20170213219

Method and system for automated management of dynamic currency conversion

A method for automated management of dynamic currency conversion in a cross-border transaction includes: storing an account profile including a primary account number, identification value, a first transaction control associated with a home geographic location, and a second transaction control associated with a home currency; receiving a travel notification including the identification value and a second geographic location; updating the transaction controls in the account profile to be associated with the second geographic location and an associated local currency; receiving a transaction message from an acquiring institution including the primary account number, a transacting geographic location, and a transacting currency; evaluating, the transaction geographic location and currency for correspondence to the second geographic location and local currency; and transmitting the transaction message to an issuing financial institution if the evaluation is successful or a second transaction message to the acquiring institution if the evaluation is unsuccessful.. . ... Mastercard International Incorporated

07/27/17 / #20170213216

Enablement of enhanced authorization decisions of purchases including stored value products

A method and system include identifying at least one stored value product is included in a purchase transaction; calculating an amount of stored value on the stored value product; receiving, by a computer from a merchant device, a payment authorization request for the purchase transaction via a payment card product; transmitting information associated with the stored value product to an issuer of the payment card product. Numerous other aspects are provided.. ... Mastercard International Incorporated

07/27/17 / #20170213215

Systems and methods for coordinating commerce associated with premises

Disclosed are exemplary embodiments of systems and methods for coordinating commerce associated with a premises. One exemplary method includes detecting a condition of a premises via a device at the premises; determining whether a product purchase is indicated based on the detected condition; and when a product purchase is indicated, initiating, by a commerce engine at the premises, a purchase transaction for a product associated with the product purchase determination, using a payment credential associated with a payment account and included in the commerce engine.. ... Mastercard International Incorporated

07/27/17 / #20170213214

Systems and methods for validating data elements of a transmitted computer message

Systems and methods for validating and adjusting local transaction times are provided. A host computing system includes a processor and a memory in communication with the processor. ... Mastercard International Incorporated

07/27/17 / #20170213208

Methods, systems, networks, and media for predicting acceptance of a commercial card product

Method for predicting acceptance of a commercial card product can include obtaining data representing a plurality of variables related to payment card transactions for at least one merchant. Each of the plurality of variables can be weighted. ... Mastercard International Incorporated

07/27/17 / #20170213207

System and method for providing emergency prepaid card

Systems and methods are provided for providing and funding an emergency prepaid card. According to one aspect, a request for emergency funds is received by a payment network from a customer. ... Mastercard International Incorporated

07/20/17 / #20170207917

Method and system for distributed cryptographic key provisioning and storage via elliptic curve cryptography

A method for distributing multiple cryptographic keys used to access data includes: receiving a data signal superimposed with an access key request, wherein the access key request includes at least a number, n, greater than 1, of requested keys; generating n key pairs using a key pair generation algorithm, wherein each key pair includes a private key and a public key; deriving an access private key by applying the private key included in each of the n key pairs to a key derivation algorithm; generating an access public key corresponding to the derived access private key using the key pair generation algorithm; and electronically transmitting a data signal superimposed with a private key included in one of the n key pairs for each of the n key pairs.. . ... Mastercard International Incorporated

07/20/17 / #20170206593

Methods and systems for locating a mobile merchant

A computer-based method for determining a location of a mobile merchant computing device is provided. The method is implemented using a location manager (lm) computing device in communication with a processor and a memory device. ... Mastercard International Incorporated

07/20/17 / #20170206542

Reducing computational resource requirements for making payments

A peer-to-peer (p2p) payment system is proposed in which a server computationally analyses historical data relating to p2p traffic to predict periods of high usage, and, based on the predicted high usage periods, computationally interacts with payment senders, to schedule payments to avoid the predicted high usage periods. The effect of this is to smooth the traffic over time, thereby reducing the number of transfers which are required at peak traffic periods. ... Mastercard International Incorporated

07/20/17 / #20170206539

Methods for optimising parameters

Disclosed herein is a system and method for optimising ancillary provisions. With reference to the method, the method comprises receiving itinerary data comprising route information and an indicative departure time, and identifying one or more conforming allocations for a subject allocations provider from a plurality of allocations represented by transaction level data. ... Mastercard International Incorporated

07/20/17 / #20170206538

Method for determining a convergence measure for converging an allocation position of a subject allocations provider towards a desired allocation position

Disclosed is a system and method for determining a convergence measure for converging an allocation position of a subject allocations provider towards a desired allocation position. The method comprises receiving itinerary data comprising route information and an indicative departure time and identifying conforming allocations from a plurality of allocations represented by transaction level data. ... Mastercard International Incorporated

07/20/17 / #20170206527

Payment vehicle with encrypted image

Described is a payment vehicle for use in initiating a transaction. The payment vehicle includes a body and an image applied to the body. ... Mastercard International Incorporated

07/20/17 / #20170206521

Access control bypass on mobile for mass transit

A method of operating a payment-enabled mobile device includes detecting, by the mobile device, that the mobile device is in proximity to a non-retail contactless transaction terminal. The method further includes permitting operation of an application program in the mobile device. ... Mastercard International Incorporated

07/13/17 / #20170200155

Generating and sending encrypted payment data messages between computing devices to effect a transfer of funds

Encrypted payment data messages are sent via a communication network. A payment data message is generated including a primary account number of the account associated with the sender device and a transaction amount. ... Mastercard International Incorporated

07/13/17 / #20170200149

Authenticating payment credentials in closed loop transaction processing

Presentation of an open-loop smart chip-based payment device is obtained at a terminal-reader assembly in a closed-loop transit environment. Verification of cryptographic credentials associated with the open-loop smart chip-based payment device is carried out at a transit payment network interface processor within the closed-loop transit environment. ... Mastercard International Incorporated

07/06/17 / #20170195319

One time passcode

A one-time passcode authentication system includes an application server, an authentication server, and an access device, wherein the access includes an authentication engine configured to receive an authentication request from the authentication server and automatically, or in response to a single user input, initiate an access request to the application server, wherein the access request includes a token extracted from the authentication request, and the application server is configured to receive the access request, query the authentication server to authenticate the token, and enable access to an application if the token is authenticated.. . ... Mastercard International Incorporated

07/06/17 / #20170193800

Payment card location method and apparatus

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

07/06/17 / #20170193757

Method and system for changing an amount of a first denomination at an automated teller machine

A method for changing an amount of a first denomination at an automated teller machine (atm) includes the steps of authenticating a user based on identification data received from the user at the atm; receiving, at the atm, an item in the first denomination when the user is authenticated; determining, at the atm, the amount of the item received in the first denomination; and determining, at the atm, at least one second denomination that relates to the determined amount. The at least one second denomination is different from the first denomination. ... Mastercard International Incorporated

07/06/17 / #20170193595

Methods, systems, and computer readable media for electronically guaranteeing rent payment

Methods, systems, and computer readable media for electronically guaranteeing rent payment are provided. An exemplary method includes electronically receiving, by a payment program platform, monetary funds to be deposited in a payment card account hosted by the payment program platform and designating at least a portion of the received monetary funds as allocated rent payment funds in accordance to a rent payment policy. ... Mastercard International Incorporated

07/06/17 / #20170193550

Systems and methods for generating travel recommendations

Systems and methods for recommending merchants at a travel destination of a cardholder are provided. A travel analyzing computing system may include a retriever configured to obtain transaction data including addendum data from a travel-based transaction of a cardholder, an analyzer configured to analyze the addendum data and extract a travel destination of the cardholder from the addendum data, a categorizer configured to determine a spending category of the cardholder, from among a plurality of spending categories, based upon historical transaction data of the cardholder, and a processor configured to recommend one or more merchants to the cardholder based upon the extracted travel destination and the determined spending category of the cardholder.. ... Mastercard International Incorporated

07/06/17 / #20170193516

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

07/06/17 / #20170193515

Method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent

A computer-implemented method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent is provided. The method includes receiving current wallet-based transaction data relating to the current wallet-based transaction, and identifying one or more profile characteristics relating to a digital wallet owner based on the current wallet-based transaction data. ... Mastercard International Incorporated

07/06/17 / #20170193497

Digital wallet with installments and combo-card

A wallet services system allows a user to access his/her digital wallet during a transaction with a merchant. The merchant transmits one or more parameters and transaction information to the wallet services system that are used by the wallet services system to identify one or more wallet options available to the user for the transaction. ... Mastercard International Incorporated

07/06/17 / #20170193486

Method and server for crediting a monetary amount to a beneficiary account

According to a first aspect of the disclosure, there is provided a method for crediting a monetary amount to a beneficiary account from which payments are made, the method comprising: identifying, to a server administering the crediting of the beneficiary account, the beneficiary account to which the monetary amount is to be credited; receiving, at the server, an indication of the monetary amount to credit the beneficiary account; comparing the monetary amount against records of past amounts credited into other beneficiary accounts, the records being stored in a database of the server; generating a result of the comparison; and crediting the beneficiary account with the monetary amount.. . ... Mastercard International Incorporated

07/06/17 / #20170193484

Method and system for secure consumer identification

Methods and systems may receive transaction information associated with a cardholder's multi-account payment identifier, the multi-account payment identifier being linked to: (i) a credit card account, (ii) a debit card account, (iii) a bank account, (iv) a pre-paid account, (v) a virtual wallet, and/or (vi) a retailer-branded account. A segmentation category of the cardholder may be determined based on prior transactions made with the multi-account payment identifier. ... Mastercard International Incorporated

07/06/17 / #20170193473

Method and system for processing payment using a generic gift card

Methods and servers are provided for processing payment using a generic gift card. The generic gift card is usable for payment across one or more participating merchants. ... Mastercard International Incorporated

07/06/17 / #20170193469

Method and system for providing e-invoices

A method for generating and reporting electronic invoices for a payment transaction includes: storing a plurality of entity data entries, each including data related to a taxable entity including a transaction account number, tax identification number, and entity invoicing data; receiving a transaction message for a payment transaction, the message including a primary account number and transaction data; identifying a specific entity data entry where the included transaction account number corresponds to the primary account number; generating an electronic invoice, wherein the electronic invoice is formatted according to one or more invoicing standards set by a regulatory agency and includes at least the transaction data and the tax identification number and entity invoicing data included in the identified specific entity data entry; and electronically transmitting the generated electronic invoice to at least one of: the regulatory agency and the taxable entity associated with the specific entity data entry.. . ... Mastercard International Incorporated

06/29/17 / #20170186114

Systems and methods for use in identifying effective purchase options for travel

Systems and methods are provided for identifying effective purchase options for travel. One exemplary method includes accessing, by a computing device, calendar data for a user including a location and a time for an appointment; identifying, by the computing device, a first purchase option including travel from a prior location to the appointment location, so that the user is scheduled to arrive at the location of the appointment prior to the appointment time; identifying, by the computing device, a second purchase option including travel, different than the travel of the first purchase option, from the prior location to the location of the at least one appointment; determining, by the computing device, a fare associated with each of the purchase options; receiving, at the computing device, a selection of at least one of the purchase options; and publishing, by the computing device, the selected at least one of the purchase options.. ... Mastercard International Incorporated

06/29/17 / #20170186082

Systems and devices for generating and transmitting tailored message data using an automated teller machine

Improved atms, and systems including one or more atms, are described. A specially configured message module is electrically interconnected to an atm, thereby enabling the atm, or atm system, to generate message data tailored according to atm users' previous activities/behavior. ... Mastercard International Incorporated

06/29/17 / #20170186076

Product tracking and management using image recognition

Systems and methods are provided enabling image recognition of a product for sale utilizing a consumer computing device. A product may be scanned to record an image thereof. ... Mastercard International Incorporated

06/29/17 / #20170186074

Item purchase, item purchase method and refrigerator

An item purchase system may include a user device configured to receive an item purchase request from a user and transmit the item purchase request, and the refrigerator configured to display the item purchase request in response to receiving the item purchase request and place an order for the item requested to be purchased according to an input by the user or another user.. . ... Mastercard International Incorporated

06/29/17 / #20170186036

Merchant alert system and related method

A method is provided for alerting the establishment of new merchants to a user. The method generally includes parsing transactions processed over at least one payment device network, using a computing processing unit, to extract financial transaction data. ... Mastercard International Incorporated

06/29/17 / #20170186021

Method and system for identifying high growth e-commerce businesses

A method for identifying a high growth business from combined data sets comprising: storing, a plurality of data elements configured to store at least a merchant identifier, acceptance flag, transaction date, and transaction amount; receiving, a merchant growth request command including at least a specific merchant identifier associated with a specific merchant; executing, a query on the transaction database to identify a subset of transaction messages; determining, a transaction volume over time for the specific merchant based on at least the transaction amount and transaction date; identifying, social media data associated with the specific merchant, and a growth index for the specific merchant based on at least the transaction volume over time determined for the specific merchant and the measure of social media presence over time based on the associated dates.. . ... Mastercard International Incorporated

06/29/17 / #20170186014

Method and system for cross-authorisation of a financial transaction made from a joint account

A method for cross-authorisation of a financial transaction made from a joint account of at least a first co-owner and a second co-owner, the method comprising: requesting, at a first terminal executing or connected to a transaction processing system, by the first co-owner of the joint account processing of a financial transaction to be made from the joint account, transmitting, from the transaction processing system, the request for the financial transaction to an access control server, determining, at the access control server, at least the second co-owner of the joint account, requesting, from the access control server, authorisation of the financial transaction from the at least second co-owner at a second terminal, and transmitting, responsive to the authorisation, by the at least second co-owner at the access control server, confirmation for processing the financial transaction to the financial transaction system.. . ... Mastercard International Incorporated

06/29/17 / #20170186013

Method and device for facilitating supply of a requested service

A method for facilitating supply of a requested service, being supplied after successful identity authentication, is provided. The method includes utilizing a network switch to link a service provider, which offers the requested service, to a biometric data archive, which performs verification of received biometric data to authenticate identity. ... Mastercard International Incorporated

06/29/17 / #20170186006

Method for authorizing a transaction request for a payment card

A method for authorizing a transaction request for a payment card is disclosed, the method comprising the steps of receiving at a transaction processing platform, data indicating that a first authorization request for the payment card has been declined; referencing at the transaction processing platform, a circuit of payment cards where the circuit of payment cards comprises the payment card, at least one other payment card and association data indicative of the association between the payment card and the at least one other payment card; selecting at the transaction processing platform, a second payment card from the at least one other payment card based on the association data; identifying at the transaction processing platform, an issuer server associated with the second payment card; and sending from the transaction processing platform to the issuer server, a second authorization request for the second payment card.. . ... Mastercard International Incorporated

06/29/17 / #20170186005

Method and system for verification at point of sale

A method for consumer verification of a payment transaction that exceeds previously established account limitations includes: storing account profiles, each including data related to a transaction account including a primary account number and transaction controls; receiving a transaction message related to a payment transaction including a specific primary account number, a point of sale identifier, and one or more additional data elements configured to store transaction details; identifying a specific account profile that includes the specific primary account number; determining that the payment transaction exceeds the account controls in the specific account profile based on the transaction details; transmitting question data for a plurality of questions to a point of sale associated with the point of sale identifier; receiving answer data from the point of sale; and transmitting the transaction message to a financial institution based on the answer data.. . ... Mastercard International Incorporated

06/29/17 / #20170185999

Secure payment system

A method for transmitting payment transaction data between a merchant platform and a vendor platform across a public network, the method comprising: creating a tunnel across the public network between the merchant platform and the vendor platform using a tunnelling protocol; extending encryption functionality from the vendor platform to the merchant platform through the tunnel; encrypting the transaction data at the merchant platform; and transmitting encrypted transaction data to the vendor platform across the public network through the tunnel.. . ... Mastercard International Incorporated

06/29/17 / #20170185996

Method for adding a new product functionality to a customer's digital card

A method for adding a new product functionality to a customer's digital card which has been provisioned on a client application, the method comprising the steps of creating an association between a primary account number of the digital card and an account associated with the new product functionality and setting configuration parameters in a server in relation to the primary account number of the digital card to activate a primary feature associated with the new product functionality, the primary feature associated with the new product functionality capable of initiating data access to the account associated with the new product functionality. The method further comprises the step of initiating an update to the client application on a mobile device such that the digital card is provided with the primary feature associated with the new product functionality.. ... Mastercard International Incorporated

06/29/17 / #20170185979

Methods, systems, and computer readable media for providing electric alternatives to cash on delivery (cod) acceptance of tendered goods and/or services

Methods, systems, and computer readable media for providing electronic alternatives to cash on delivery (cod) acceptance of tendered goods/services are disclosed. In some aspects, the method can be performed at a clearing management server (cms) that includes at least one processor. ... Mastercard International Incorporated

06/29/17 / #20170185977

Methods, systems, and computer readable media for electronically guaranteeing payment of bills

Methods, systems, and computer readable media for electronically guaranteeing payment of bills are provided. An exemplary method is performed at a utility payment management server (upms) that includes at least one processor. ... Mastercard International Incorporated

06/29/17 / #20170185976

Methods, systems, and computer readable media for an electronic infrastructure for a rotating savings and credit association

A computer system can be configured to execute an electronic payment infrastructure. In some examples, the system includes one or more computers, a rotating savings and credit association (rosca) establisher, and a rosca manager. ... Mastercard International Incorporated

06/22/17 / #20170180513

Method and system of processing a transaction on a server

A server for processing transactions within a representational state transfer (rest) architecture is provided. The server includes an input for receiving requests from a client device and a processor arranged to store received requests in a data store. ... Mastercard International Incorporated

06/22/17 / #20170180204

Systems and methods for scanning infrastructure within a computer network

A computer-implemented method for scanning computer infrastructure within a computer network includes a first host device and a second host device having distinct operating systems. The host devices are coupled to a controller server. ... Mastercard International Incorporated

06/22/17 / #20170180134

Method and system for blockchain variant using digital signatures

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

06/22/17 / #20170178534

Systems and methods for calculating nutritional information of a consumer

A system and method of tracking food consumption data for a payment cardholder is provided. The food consumption data is associated with restaurant food purchases made with a payment card, where each restaurant food purchase includes a transaction amount. ... Mastercard International Incorporated

06/22/17 / #20170178462

Machine for dispensing cash

Disclosed is a machine for dispensing cash. The machine comprises an interface for receiving user data, the user data comprising payment vehicle data. ... Mastercard International Incorporated

06/22/17 / #20170178219

Methods, systems and computer readable media for utilizing payment card transaction data to provide alert messages relating to unpurchased items to cardholder users

Methods, systems, and computer readable media for utilizing payment card transaction data to provide alert messages relating to unpurchased items to cardholder users are disclosed. In some aspects, the methods can include receiving a message including payment card transaction data designating one or more products or services purchased during a most recent payment card transaction conducted by a cardholder user, identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction, using aggregate payment card transaction data designating the one or more products or services purchased during any previous payment card transactions conducted by the cardholder user, generating an alert message identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction, and providing, to a cardholder user device, the alert message.. ... Mastercard International Incorporated

06/22/17 / #20170178216

Systems and methods for use in determining product positions within shopping regions

Exemplary embodiments of systems and methods are provided for locating products within a shopping region. In an exemplary embodiment, a method includes receiving, at a computing device, a request for a product from a consumer, and accessing, by the computing device, a product position data structure that is specific to the shopping region, where the product position data structure includes multiple product entries with each of the multiple product entries being specific to a merchant within the shopping region. ... Mastercard International Incorporated

06/22/17 / #20170178189

Systems and methods for use in directing product offer content to consumers

Exemplary systems and methods are provided for directing offer content to consumers at communication devices, while the consumers are at merchants. An exemplary method includes detecting an application identifier associated with a communication device at or near a merchant, and receiving signal strength records from the communication device indicative of signal strengths for wireless networking devices at a given time and associated with the application identifier. ... Mastercard International Incorporated

06/22/17 / #20170178167

Method for predicting a demand for a business

A method for predicting a demand for a business, the method comprising the steps of: generating purchase preference in at least one target location based on payment transaction information and merchant information retrieved from one or more databases, wherein the payment transaction information relates to a plurality of historical payment transactions made between a plurality of existing merchants and a plurality of consumers and wherein the merchant information comprises a merchant location of each of the plurality of existing merchants; and predicting the demand in the at least one target location, based on the purchase preference.. . ... Mastercard International Incorporated

06/22/17 / #20170178166

Method and system for obtaining geographic characterization data

Payment transaction data for consumers who make purchases in a geographical region is used, together with information about restaurants the consumers have made payments to, to obtain statistical data characterizing the restaurant habits of the consumers. This information may be useful for designing marketing operations, or to individuals contemplating opening a restaurant in the region.. ... Mastercard International Incorporated

06/22/17 / #20170178165

Method and system for generation of indices regarding neighborhood growth

A method for generating a model for indexing neighborhood growth includes: storing transaction messages, each including a geographic location and transaction data, where the geographic location is in one of a plurality of geographic areas; receiving demographic characteristic data including property value data associated with each geographic area; identifying transaction groups for each geographic area including transaction messages where the geographic location is included in the respective associated geographic area; identifying purchase behaviors for each of the plurality of geographic areas based on the transaction data stored in the transaction messages included in associated transaction group; and generating an indexing model configured to calculate an index value for a geographic area indicative of growth or decline of the geographic area based on the purchase behaviors and property value data associated with the respective geographic area for each of the plurality of geographic areas.. . ... Mastercard International Incorporated

06/22/17 / #20170178164

Systems and methods for use in processing transaction data

Systems and methods are provided for determining early-adopter payment accounts. One exemplary method generally includes accessing, by a computing device, product data for at least one target product including a product launch date for the at least one target product; accessing transaction data representative of multiple transactions to payment accounts; identifying, by a computing device, at least one of the multiple transactions as involving a purchase of the at least one target product; determining, by the computing device, an interval between the purchase of the at least one target product and the product launch date for the at least one target product; and appending, by the computing device, the payment account associated with the purchase of the at least one target product to an early-adopter segment based on the determined interval satisfying an early-adopter threshold.. ... Mastercard International Incorporated

06/22/17 / #20170178159

Methods for effecting and optimizing item descriptor and item value combinations

A method for optimizing an item descriptor and item value combination is provided. The method includes receiving initial data, locating one or more previous transaction data points, and creating a plurality of candidate opportunity variants and, for each candidate opportunity variant determining a first deviation, identifying a first set of first previous transaction data points and a second set of previous transaction data point, and forecasting one or more new transaction data points at at least one future date, each new transaction data point includes a forecast merchant identifier. ... Mastercard International Incorporated

06/22/17 / #20170178155

Systems and methods for use in evaluating aggregate merchant sets

Systems and methods are provided for evaluating aggregate merchant sets, which are often generated by a payment network. One exemplary method includes accessing, by a computing device, a monitor score and a volatility score for an aggregate merchant set representative of multiple merchants having at least one disparate parameter in a transaction data structure, fuzzy sets for the monitor score and the volatility score comprising linguistic values, and inference rules that use the linguistic values in logical operations. ... Mastercard International Incorporated

06/22/17 / #20170178153

Impulse detection and modeling method and apparatus

A system, method, and computer-readable storage medium configured to detect and model impulse behavior.. . ... Mastercard International Incorporated

06/22/17 / #20170178150

Systems and methods for identifying information providers based on user queries

Systems and methods for identifying information providers based on user queries are provided. The method includes receiving a user query including a request for information regarding intended travel from a query capture application, processing the user query to identify query travel characteristics associated with the request for information, receiving a plurality of transaction data, and identifying a plurality of past travel transactions from the transaction data based on a set of travel indicators associated with each past travel transaction. ... Mastercard International Incorporated

06/22/17 / #20170178138

System and method for adding a dynamic security code to remote purchases

A method of providing authentication information for a card-not-present transaction; the method comprising a card provider associating an electronic communication medium of a user with a payment card of the user in advance of the transaction, the card provider generating a virtual security code which is associated with the payment card, the card provider providing the virtual security code to the electronic communication medium for retrieval by the user, the card provider recording at least one characteristic each time the virtual security code is submitted by the user to an online authentication process associated with a transaction, and the card provider providing a replacement virtual security code to the electronic communication medium in response to the recorded at least one characteristic.. . ... Mastercard International Incorporated

06/22/17 / #20170178136

Systems and methods for identifying suspect illicit merchants

An illicit website identifying (iwi) computing device is described herein, the iwi computing device configured to store a log of suspect illicit websites, the log including website content associated with each suspect illicit website. Each suspect illicit website is associated with a respective merchant. ... Mastercard International Incorporated

06/22/17 / #20170178134

Systems and methods for predicting chargebacks

A chargeback processing computing device is provided. The chargeback processing computing device may include a chargeback prediction module configured to extract transaction information about a plurality of transactions authorized using an account, an account profile information module configured to extract account profile information, the account profile information comprising historical chargeback information about the plurality of transactions authorized using the account, a model generating module configured to generate a chargeback prediction model for the account based on the extracted transaction information and the account profile information, a receiver configured to receive a candidate transaction paid for using the account, wherein the chargeback prediction module is configured to extract transaction information from the candidate transaction, and a processor configured to generate a chargeback prediction score indicating a likelihood that the candidate transaction will result in a chargeback based on the extracted transaction clearing information and the generated chargeback prediction model.. ... Mastercard International Incorporated

06/22/17 / #20170178130

Method and system for account control based on declined authorization

A method for automatic generation of transaction controls includes: storing account profiles, each including a primary account number, communication data, and transaction controls, where payment transactions are subject to the transaction controls; receiving a transaction message for a declined payment transaction including a specific primary account number and additional data elements configured to store transaction data; identifying a specific account profile that includes the specific primary account number; generating a transaction control including one or more controls based on the transaction data; transmitting the generated transaction control to a computing device based on the communication data included in the specific account profile; receiving a confirmation from the computing device indicating approval of the generated transaction control; and updating the specific account profile to include the generated transaction control.. . ... Mastercard International Incorporated

06/22/17 / #20170178128

Method and system for distribution, use and validation of electronic entitlement certificates

A method for distribution and transfer of entitlement certificates includes: storing account profiles, each account including an account identifier, primary account number, and account balance; receiving an entitlement request from a computing device including a specific account identifier, entitlement balance, and usage controls; identifying a specific account profile that includes the specific account identifier; generating an entitlement certificate that includes the entitlement balance and usage controls; generating an entitlement identifier for the entitlement certificate; placing a hold associated with the entitlement certificate on the account balance included in the specific account profile for the entitlement balance; and transmitting the entitlement certificate to the computing device.. . ... Mastercard International Incorporated

06/22/17 / #20170178122

Method and system for processing a contactless transaction

A method of processing a contactless transaction includes creating a mesh network having a plurality of proximity interface nodes. Each proximity interface node is configured to communicate, wirelessly, with a proximity enabled mobile device. ... Mastercard International Incorporated

06/22/17 / #20170178121

System and method for providing instructions to a payment device

A method of providing instructions to a payment device, wherein instructions are generated without requiring data from the payment device, the method comprising: delivering instructions that are part of an ordered sequence of instructions to a payment device; and identifying instructions that should be applied out of sequence without preventing the delivery of subsequent instructions in a sequence. A method of receiving instructions at a payment device and a payment device are also provided.. ... Mastercard International Incorporated

06/22/17 / #20170178112

Method for managing payment vehicle data based on location information

A method for managing payment vehicle data based on location information is provided. The method includes receiving at least one payment vehicle attribute of at least one payment vehicle, receiving location information specifying a geographical location for use of the at least one payment vehicle, retrieving payment vehicle data from one or more databases based on the at least one payment vehicle attribute, filtering the payment vehicle data using the location information, to exclude data that is not applicable to the geographical location, and displaying the filtered payment vehicle data to the user.. ... Mastercard International Incorporated

06/22/17 / #20170178111

System and method for using multiple balances with a single payment device

A transaction system for performing transactions with multiple balances within a single transaction. The transaction system comprises a payment device programmed to record multiple balances and a terminal programmed to interact with the payment device in order to complete a transaction by debiting multiple balances of the payment device within a single transaction. ... Mastercard International Incorporated

06/22/17 / #20170178097

Methods and systems for making a payment

A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. ... Mastercard International Incorporated

06/22/17 / #20170178095

Intelligent advice and payment routing engine

Intelligent advice and transaction handling systems and methods. An embodiment includes a merchant device, a merchant server computer, a consumer mobile device, and a smart preferences computer having a decision engine operably connected to a storage device. ... Mastercard International Incorporated

06/22/17 / #20170177890

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

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

06/22/17 / #20170177618

Systems and methods for use in determining detailed locations for certain entities

Exemplary embodiments of systems and methods are provided for determining detailed locations of entities. One exemplary method includes receiving at least one signal record for a communication device associated with a user. ... Mastercard International Incorporated

06/22/17 / #20170177566

Systems and methods for independent computer platform language conversion services

A conversion management (cm) computing device is provided. The cm computing device includes a processor in communication with a memory. ... Mastercard International Incorporated

06/15/17 / #20170171205

Systems and methods for use in indexing applications based on security standards

Systems and methods are provided for assigning scores to target applications, based on one or more security standards, whereby the scores are indicative of the applications' relative security maturity. One exemplary method generally includes receiving an identification of a target application, the target application associated with access to a payment network and soliciting, by a computing device, a response to at least one inquiry regarding a security aspect of the target application. ... Mastercard International Incorporated

06/15/17 / #20170169500

Systems and methods for generating recommendations using a corpus of data

A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. ... Mastercard International Incorporated

06/15/17 / #20170169497

Systems and methods of location based merchant recommendations

A method for generating a list of recommended merchants based on an input merchant is provided. The method uses a recommender computing device. ... Mastercard International Incorporated

06/15/17 / #20170169485

Methods and apparatus for soliciting donations to a charity

Methods and systems are proposed for identifying a segment of a population of individuals to target in an advertising campaign. A database of payment transactions made by the population of individuals and a database of demographic and/or location data for the corresponding individuals, are used to develop a predictive model for predicting the likelihood that a candidate individual in the population will make a charitable donation. ... Mastercard International Incorporated

06/15/17 / #20170169469

Methods, systems, networks, and media for predicting cardholder spending, including cultural heritage tourist (cht) spending

Method for predicting cardholder spending can include storing information regarding payment card transactions of at least one cardholder at a database. Information regarding cultural heritage locations can be stored at the database. ... Mastercard International Incorporated

06/15/17 / #20170169468

Method and system for identification of content for associated individuals

A method for identifying content for an associated group of individuals includes: storing, transaction messages, each including a primary account number, merchant identifier, transaction time, and transaction data; identifying a plurality of transaction groups, each group including transaction messages with a common merchant identifier and where the transaction time is within a predetermined range of time; identifying an account group comprising a plurality of primary account numbers included in transaction messages in each of two or more of the transaction groups; identifying transaction behaviors based the transaction data in each transaction message included in the transaction groups that include a primary account number stored in the account group; identifying a content item based on the transaction behaviors; and electronically transmitting the content item via a communication network.. . ... Mastercard International Incorporated

06/15/17 / #20170169453

Industry benchmark process

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

06/15/17 / #20170169450

Virtual panel creation method and apparatus

A system, method, and computer readable storage medium configured to process, analyze, and model of large amounts of data from a sample of accountholders that is representative of the overall consumer population across key geographic, demographic, and behavior dimensions in an in-memory modeling environment.. . ... Mastercard International Incorporated

06/15/17 / #20170169445

Method and system for determining likelihood of charity contribution

A method is provided for determining the propensity of candidate donors to donate to one or more charities. The method generally includes identifying, using a computing processing unit, transactions processed over at least one payment device network as being associated with a first candidate donor. ... Mastercard International Incorporated

06/15/17 / #20170169441

Systems and methods for determining customer traffic data

A method and device for analyzing customer traffic data at a merchant location are provided. The method may include transmitting pings within a coverage area of a wireless network provided by the merchant computer, receiving ping responses from one or more customer devices corresponding to one or more customers located within the coverage area of the wireless network provided by the merchant computer, extracting a unique device identifier from each received ping response over a period of time, each of the unique device identifiers identifying a different customer device that transmitted the ping response, estimating an amount of customer traffic at the merchant location, over the period of time, based on the unique device identifiers extracted during the period of time, and outputting an indication of the estimated amount of customer activity at the merchant location over the period of time.. ... Mastercard International Incorporated

06/15/17 / #20170169434

User authentication for transactions

A method of authentication of a user at a computing device (1) is provided suitable for a transaction or for use of a remote service. A plurality of authentication options is provided to the user at the computing device (1). ... Mastercard International Incorporated

06/15/17 / #20170169432

System and method of identifying baker's fraud in transactions

A system, method, and computer-readable storage medium configured to identify and prevent a form of fraud in payment transactions.. . ... Mastercard International Incorporated

06/15/17 / #20170169431

Systems and methods for using browser history in online fraud detection

A fraud detection computing device for using browser history to detect fraudulent online cardholder activity is provided. The fraud detection computing device includes one or more processors in communication with one or more memory devices. ... Mastercard International Incorporated

06/15/17 / #20170169426

Dynamic security code authorization verification service

A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. ... Mastercard International Incorporated

06/15/17 / #20170169424

Delegation of transactions

A method of performing a transaction with a payment credential where the transaction is approved by a delegated user is described. A user and an issuer of a payment credential between them establish permitted use and an authentication option for a delegated user. ... Mastercard International Incorporated

06/15/17 / #20170169421

System for performing cross card authentication using wallet transaction authentication history

A method includes performing a first transaction using a first payment account. The first transaction includes a successful authentication of a holder of the first payment account. ... Mastercard International Incorporated

06/15/17 / #20170169417

Method and system for usage of payment cards at travel terminals

A method for transmitting travel notifications to issuing entities includes: receiving travel data associated with travel plans of a consumer, the travel data including a departure date and destination location; reading at least one set of payment card details, each set of payment card details being encoded in a physical payment card or electronically transmitted by a computing device, and where the set of payment card details includes an account number associated with a transaction account; generating a data message for each set of payment card details, the data message including the travel data and the respective set of payment card details; and electronically transmitting a data signal for each generated data message, the data signal being electronically transmitted to a financial institution associated with the transaction account associated with the account number included in the set of payment card details included in the respective data message.. . ... Mastercard International Incorporated

06/15/17 / #20170168799

Systems and methods for managing computer components

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

06/08/17 / #20170161845

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

06/08/17 / #20170161843

Method and system for platform data udpdating based on electronic transaction product data

A method for updating a user service platform based on product data in a user payment transaction includes: storing an account profile, the account profile including data related to a user including a user identifier and platform data associated with a user service platform; receiving a transaction message related to a payment transaction, the transaction message being formatted pursuant to one or more standards and including a plurality of data elements and at least one of: an addendum and one or more data elements configured to store product data associated with one or more products purchased in the related payment transaction; generating a data message including data associated with the product data included in the received transaction message; and electronically transmitting the generated data message to the user service platform based on the platform data included in the account profile.. . ... Mastercard International Incorporated

06/08/17 / #20170161820

Systems and methods for utilizing vehicle connectivity in association with payment transactions

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. ... Mastercard International Incorporated

06/08/17 / #20170161781

Method and system for providing a digital gift card

A method of providing a digital gift card to a beneficiary, the method including, in one or more electronic processing devices: receiving, from a digital wallet of an individual, a request to create a digital gift card including information indicative of at least one of: an occasion associated with the digital gift card and beneficiary information associated with the beneficiary; determining, based on at least one of the occasion and the beneficiary information, a plurality of gift card offers offered by respective merchants; presenting, from the digital wallet, the plurality of gift card offers; receiving, from the digital wallet, an indication of a selected gift card offer; processing a payment from the digital wallet to the merchant offering the selected gift card offer; and sending a digital gift card notification for the selected gift card offer to the beneficiary, to thereby allow the beneficiary to obtain and redeem it.. . ... Mastercard International Incorporated

06/08/17 / #20170161777

Method and system for valuation of social influence

A method for generation of an index of influence for an individual using social network and electronic transaction data includes: storing transaction messages, each related to a transaction including a time, date, and transaction data; receiving social media data associated with a user of a social network, the data including a number of followers and secondary followers of the user and data associated with shared content including a shared time, shared date, and a data value corresponding to a product or merchant; identifying transaction messages where the time and date are within a predetermined period of the shared time and date and where the transaction data corresponds to the data value; calculating a rate of return for the user based on the number of followers and secondary followers and the number of transaction messages in the subset; and identifying an influence index based on the calculated rate of return.. . ... Mastercard International Incorporated

06/08/17 / #20170161768

Systems, methods, and devices for implementing a scavenger hunt reward program

Systems, methods, and devices for implementing a scavenger hunt reward program are described. Merchant point-of-sale level transaction data is obtained and stored. ... Mastercard International Incorporated

06/08/17 / #20170161755

Systems and methods for determining economic impact of an event within a geographic area

A method for determining an economic impact of a candidate event includes receiving an event type identifier representing an event type of a candidate event to occur, and building a reference data store including historical transaction data records of payment transactions occurring in reference geographic areas associated with a reference event having the event type identifier. The method also includes generating a reference model from the historical transaction data records the models a reference number of active accounts and active merchants within a reference geographic area during a period of time associated with the reference event occurring in the geographic area. ... Mastercard International Incorporated

06/08/17 / #20170161745

Payment account fraud detection using social media heat maps

According to some embodiments, a fraud detection computer server may collect information associated with a plurality of social media accounts over a period of time. A sub-set of social media accounts meeting a potential fraud threshold associated with at least one type of payment account may be determined, and, for each of the sub-set of social media accounts meeting the potential fraud threshold, the fraud detection computer server may determine a geographic location associated with the social media account. ... Mastercard International Incorporated

06/08/17 / #20170161739

System and method for transacting via two-party model

A method of operating a payment device includes interfacing the payment device to a merchant device to perform a payment transaction. The payment device may create and store a record of the payment transaction. ... Mastercard International Incorporated

06/08/17 / #20170161733

Method and system for validation of a token requestor

A method for enhanced validation of an entity associated with a cof token includes: storing at least transaction data, a token requester identifier (trid), and a cof token identifier; receiving payment credentials, wherein the payment credentials include at least a cof-specific payment token; generating a transaction message, wherein the transaction message is formatted based on one or more standards and includes at least a plurality of data elements including at least a first data element configured to store the cof-specific payment token, a second data element configured to store the cof token identifier, a third data element configured to store the trid, and one or more additional data elements configured to store the transaction data; and electronically transmitting the generated transaction message to a financial institution via a payment network.. . ... Mastercard International Incorporated

06/08/17 / #20170161725

Systems and methods for delivering a payment card

Embodiments of the disclosure enable a card issuer to deliver and deliver payment cards in an organized and secure manner. In one aspect, a computer-implemented method and system for delivering a payment card is provided. ... Mastercard International Incorporated

06/08/17 / #20170161715

Systems and methods for use in routing funds, associated with transactions, to direct-pay accounts

Systems and methods are provided for rerouting funds, associated with transactions between consumers and merchants, to direct-pay accounts associated with creditors that provide loan and/or credit arrangements to the merchants. One exemplary method generally includes identifying, by a computing device, funds directed to a primary payment account associated with a merchant during settlement of at least one transaction for which funds are directed to the merchant. ... Mastercard International Incorporated

06/08/17 / #20170161694

Translating data signals between a frontend interface and a backend server

A data signal translation device for translating a data signal between a frontend interface and a backend server that is in communication with a processing network is described. Additionally, a method and a computer-readable storage medium for translating a data signal between a frontend interface and a backend server that is in communication with a processing network are described.. ... Mastercard International Incorporated

06/08/17 / #20170161688

Method and system for centralized processing of an employee benefit

There is provided a method of centralized processing of a benefit for an employee. The method includes receiving a notification of a deposit made to an account in a financial institution, and thereafter facilitating a payment from the account to a provider of the benefit. ... Mastercard International Incorporated

06/08/17 / #20170161465

System and method for monitoring containment of an epidemic

A system and method is disclosed for monitoring the containment of an epidemic in relation to a location-based restriction using an anonymized database of spending records. The system measures the effectiveness of a restriction by analyzing the spending records of individuals in the population and identifies transaction trends that relate to the restriction and correlates them to the effectiveness of the restriction. ... Mastercard International Incorporated

06/08/17 / #20170158215

Self-checkout in retail stores

A wheel assembly for installation on a shopping cart to retro-fit the shopping cart for facilitating self-checkout. The wheel assembly may include a support structure and a wheel rotatably supported on the support structure. ... Mastercard International Incorporated

06/01/17 / #20170154332

Payment device control

A method for restricting a payment device for use with a selectable set of merchants, the method comprising: receiving from an agent a request to restrict a payment device that has been enabled for restriction for use with a selectable set of merchants only; providing to the agent an interface to select a set of merchants to which use of the payment device is to be restricted; detecting a set of merchants selected by the agent; and restricting the payment device for use with the set of merchants selected by the agent.. . ... Mastercard International Incorporated

06/01/17 / #20170154324

Safely faciltating higher risk payments

A method of facilitating e-commerce and/or contactless payments funded by a funding account that is blocked from directly making such payments, said method comprising a virtual card interface computing system, comprising an application running on a user device and a server: storing details to link a virtual card (vc) account with said funding account at said server; receiving an instruction from a user of said vc account through said application to transfer funds from the funding account to the vc account; and initiating requesting said transfer from an issuer of the funding account. Also, a method of making an e-commerce or contactless payment funded by a funding account that is blocked from directly making such payments comprising: funding a vc account according to the aforementioned method; and subsequently making said payment by providing vc credentials of the vc account to a payee.. ... Mastercard International Incorporated

05/18/17 / #20170142108

Systems and methods for authenticating an online user using a secure authorization server

A secure authorization server computer system for verifying an identity of an end-user is provided. The computer system is programmed to receive, from a computing client, an authentication request at an authorization component. ... Mastercard International Incorporated

05/18/17 / #20170142085

Systems and methods for authenticating network messages

Networks and methods for use in authenticating messages, based on the clients and the computing devices, are provided. One exemplary method generally includes performing, by an api gateway, validation of a computing device based on a certificate identifying the computing device as one of the recognized computing devices, via the repository, and performing, by the api gateway, validation of the client based on the client certificate via a global access manager, separate from the repository. ... Mastercard International Incorporated

05/18/17 / #20170140385

Method and system for secondary processing of transactions

A method for processing a declined payment transaction using a secondary financial institution includes: receiving a transaction message for a payment transaction from an acquiring institution, the transaction message including a primary account number, transaction amount, institution identifier, and transaction data; calculating a fraud score based on application of fraud algorithms to data included in the transaction message; transmitting the transaction message and fraud score to an issuer; receiving an authorization response from the issuer, the response including a response code indicative of denial of the transaction; identifying a secondary financial institution; modifying the transaction message by replacing the institution identifier with an alternative identifier associated with the secondary financial institution; and transmitting the modified transaction message to the acquiring institution.. . ... Mastercard International Incorporated

05/18/17 / #20170140378

Rules engine for applying rules from a reviewing network to signals from an originating network

A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. ... Mastercard International Incorporated

05/18/17 / #20170140377

Rules engine for applying rules from a reviewing network to signals from an originating network

A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. ... Mastercard International Incorporated

05/18/17 / #20170140365

Systems and methods using check document images to create pre-paid payment cards

According to some embodiments, an electronic image file associated with a check document and a drawer party identifier may be received from a remote drawer party device and information about the electronic image file may be stored into a check image database. A banking transaction server may retrieve the information about the electronic image file and drawer party identifier from the check image database and automatically determine supplemental information associated with the banking transaction. ... Mastercard International Incorporated

05/18/17 / #20170139680

Systems, methods, and media for graphical task creation

Embodiments of the disclosure enable a user to utilize graphical options for a creating a parameterized task. In one aspect, a computer-implemented method and system for task creation and management are provided. ... Mastercard International Incorporated

05/18/17 / #20170139548

Systems and methods for a rotating three-dimensional menu

A system for displaying a navigational menu on a webpage is provided. The navigational menu includes a widget that is executed by a processor in communication with a memory. ... Mastercard International Incorporated

05/18/17 / #20170136943

Electronic safety system for a vehicle

An electronic safety system on a vehicle comprising a positioning unit configured to determine a geographic location of the vehicle; a sensor unit configured to detect a distress signal; and a telecommunication unit coupleable to the positioning unit and the sensor unit; wherein the telecommunication unit is configured to transmit an alert notification to an emergency service organization in response to the detected distress signal; the alert notification including the determined geographic location of the vehicle. A vehicle having the electronic safety system and a method of generating an alert notification are also disclosed.. ... Mastercard International Incorporated

05/11/17 / #20170134280

Method and system for validation of hashed data via acceptance frames

A method for validating receipt of hashed data includes: storing an acceptance frame and at least one hashing algorithm; receiving a data value; hashing the received data value using the at least one hashing algorithm to obtain a first hashed package; hashing the received data value and the acceptance frame using the at least one hashing algorithm to obtain a second hashed package; electronically transmitting the first hashed package to a computing device; receiving a received hashed package from the computing device; and validating the received hashed package as being created using the received data value and acceptance frame via comparison of the received hashed package to the second hashed package.. . ... Mastercard International Incorporated

05/11/17 / #20170132681

Computer-implemented methods and systems for identifying products purchased by individual customers at different merchants

A computer-implemented method is described for identifying products purchased by individual customers at different merchants. The method comprises: receiving product purchase information from two or more merchants in a pre-defined merchant group; receiving transaction data for a plurality of customers in a pre-defined customer group; comparing details of the product purchase information with details of the transaction data to identify the product purchases associated with individual transactions and storing the association in a database; and extracting information from the database for an individual customer or for each customer in the pre-defined customer group to determine the products the customer(s) purchased from each merchant.. ... Mastercard International Incorporated

05/11/17 / #20170132652

Systems and methods for processing loyalty rewards

Systems and methods are provided for use in processing loyalty rewards. One exemplary method includes receiving a message associated with a transaction to a payment account where the message includes a primary account number (pan) for the payment account, a merchant identifier for a merchant involved in the transaction, and at least one purchase parameter. ... Mastercard International Incorporated

05/11/17 / #20170132651

Pooled reward program for multiple consumers

Systems, methods, and devices for implementing a pooled reward program that incentivizes consumer spending by exploiting the competitive nature of humans are described. Multiple consumers form a reward program group. ... Mastercard International Incorporated

05/11/17 / #20170132649

Heat map visualisation of event data

The information service is adapted to receive location and time data from a user computing device and extract data relevant to the said location and time from one or more event databases. The collected event data is then used to produce opportunities data, which is sent to a user for displaying on a geographical map at the user's computing device. ... Mastercard International Incorporated

05/11/17 / #20170132643

Systems and methods for mapping online data to data of interest

A trend analysis computing device is provided. The computing device includes a receiver to receive online data, a trend determiner to determine a trend that is presently happening based on a word or a phrase included in the received online data, a processor to compare the determined trend with a dictionary database of the user to determine if the trend is of interest to the user, and, in response to determining the trend is a trend of interest, add additional data to the trend of interest based on the dictionary database, an analyzer configured to analyze the trend of interest, the added additional data, and user interest data, and generate impact data that the trend of interest is having on the user interest data, and a transmitter to transmit the impact data to the user.. ... Mastercard International Incorporated

05/11/17 / #20170132626

Method and system for processing of a blockchain transaction in a transaction processing network

A method for validating blockchain transactions using a transaction processing network includes: storing one or more authentication rules configured to authenticate an electronic transaction and one or more verification rules configured to verify a blockchain transaction; receiving a transaction message including a message type indicator and a plurality of data elements including at least first data elements configured to store blockchain data and additional data elements configured to store transaction data values; identifying an authentication score based on application of at least one or more authentication rules to the transaction data values; identifying a verification score based on application of one or more verification rules to the blockchain data; generating a data message, the data message including the blockchain data stored in the first data elements, the identified authentication score, and the identified verification score; and electronically transmitting the generated data message to a blockchain network.. . ... Mastercard International Incorporated

05/11/17 / #20170132625

Method and system for use of a blockchain in a transaction processing network

A method for validating electronic transactions using a private blockchain includes: storing a blockchain, wherein the blockchain is a distributed database that includes a plurality of data records, each being associated with a processed transaction; receiving a transaction message, the transaction message including a message type indicator and a plurality of data elements, each configured to store a transaction data value; generating a data record, the data record including the message type indicator and one or more transaction data values; updating the blockchain to include the generated data record; electronically transmitting the received transaction message to a payment network for processing; and electronically transmitting the updated blockchain to a plurality of transaction processing devices for validation.. . ... Mastercard International Incorporated

05/11/17 / #20170132609

Methods, systems, and computer readable media for facilitating in-store or near-store ordering and payment of goods and services through a single-tap of a near field communication (nfc) device

Methods, systems, and computer readable media for facilitating in-store or near-store ordering and payment of goods and/or services through a single tap of a near field communication (nfc) device are disclosed. In one embodiment, a system can include a smart poster locatable in an area that is accessible to a potential consumer of goods or services. ... Mastercard International Incorporated

05/11/17 / #20170132584

Method and system for determining merchant gratuity values

A method for communicating an index of service performance based on gratuity value includes: storing transaction messages, each including a merchant identifier associated with a merchant involved in the related payment transaction, a transaction amount, and addendum data; receiving a data request including a specific merchant identifier; identifying a subset of transaction messages that includes the specific merchant identifier; identifying a tip amount for each transaction message in the by (i) extracting the tip amount from the addendum date, or (ii) calculating the tip amount based on the transaction amount stored respective transaction message and a transaction amount stored in a matching clearing record; calculating an average gratuity index for a merchant associated with the specific merchant identifier as an average of the identified tip amounts; and transmitting the calculated average gratuity index in response to the data request.. . ... Mastercard International Incorporated

05/11/17 / #20170132507

Integrated circuit card

An integrated circuit card (200) is described. The integrated circuit card comprises a card body having an opening (310) extending through the thickness of the card body (306); and two components located in the card body (204) opening (310), wherein a first component (214) of the two components includes an integrated circuit.. ... Mastercard International Incorporated

05/11/17 / #20170132506

Integrated circuit card

An integrated circuit card (200) is described. The integrated circuit card comprises a card body (204, 306) and two components located in the card body (204), wherein a first component (214) of the two components includes an integrated circuit, and wherein the two components are in communication with a common electrical contact (208).. ... Mastercard International Incorporated

05/04/17 / #20170124580

Methods and apparatus for identifying customer segments from transaction data

A computer implemented method of identifying customer segments from transaction data is provided. The method includes receiving transaction data that includes transaction indications. ... Mastercard International Incorporated

05/04/17 / #20170124574

Method and system for identifying synergistic merchant relationships

A method for identifying mutually beneficial merchant opportunities based on commonality in transaction data includes: storing transaction messages, each related to a payment transaction and including an account number, merchant identifier, merchant category, and location; receiving a mutually beneficial merchant request, the request including a specific merchant identifier and location; identifying a first subset of transaction messages where each includes the specific merchant identifier and location; identifying a second subset of transaction messages where each includes an account number included in at least one transaction message in the first subset and (i) a merchant category not included in the first subset and a location within a predetermined distance of the specific location, or (ii) a merchant category included in the first subset and a location outside of the predetermined distance of the specific location; and identifying a mutually beneficial merchant identifier based on a frequency in the second subset.. . ... Mastercard International Incorporated

05/04/17 / #20170124570

Systems and methods for feeding a previous case action for a decision of confirming financial transactions

Examples of the disclosure enable a financial transaction to be automatically confirmed based on a similarity of factors between financial transactions. A previous case action may be used for a decision of confirming a financial transaction. ... Mastercard International Incorporated

05/04/17 / #20170124569

Systems and methods for asynchronous processing of events within networks

Systems and methods are provided for use in asynchronous processing of events within a network. One exemplary method includes receiving multiple events for asynchronous processing, each defined by at least one rule, and assigning, by a computing device, the multiple events to an event queue. ... Mastercard International Incorporated

05/04/17 / #20170124565

Methods and apparatus for processing and authenticating mobile payment transactions

A computer implemented method of processing a mobile payment transaction is disclosed. The method comprises: receiving a mobile payment authorization request, the mobile payment authorization request indicating authentication information and an identifier of a payment card associated with the transaction, the authentication information comprising a device identifier of a payer device; comparing authentication information with stored authentication information associated with the payment card; and generating an authorization message for the mobile payment if the authentication information matches the stored authentication information associated with the payment card.. ... Mastercard International Incorporated

05/04/17 / #20170124561

Methods, devices and systems for authorizing an age-restricted interaction

Methods, a user device and a server system for authorizing an age-restricted non-transactional interaction between a user and a provider are disclosed. Transaction account identification data for the user are obtained. ... Mastercard International Incorporated

05/04/17 / #20170124560

Combicard transaction method and system having an application parameter update mechanism

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

05/04/17 / #20170124544

Method and system for cardless use of an automated teller machine (atm)

A computer-implemented method for cardless use of an automated teller machine (atm) is provided. The method includes receiving as an input, a user-identified atm that the user wishes to use. ... Mastercard International Incorporated

05/04/17 / #20170124542

Methods and systems for dispensing physical currency

An automatic method and computerized network is provided to provide physical currency to an individual who desires it. The individual submits a request for physical currency, and is automatically provided with sufficient information to meet a currency-provider (an individual or a company) who is willing to provide the physical currency to the individual in exchange for a payment being made to a payment account associated with the currency-provider. ... Mastercard International Incorporated

04/27/17 / #20170116674

Processing electronic signals to determine insurance risk

A risk determination computing device for determining a risk of insurance fraud is provided. Additionally, a method for determining a risk of insurance fraud is provided. ... Mastercard International Incorporated

04/27/17 / #20170116630

Method and system for geographical price mapping of pharmaceuticals

A method for analyzing geographical pricing for products using transaction data includes: storing product data entries, each including data related to a product including a product identifier and a plurality of price values, each associated with a geographic area; receiving a transaction message for a payment transaction including a geographic location and addendum data, the addendum data being configured to store a specific product identifier and associated an associated price; extracting the specific product identifier and associated price stored in the addendum data; executing a query on the product database to identify a specific product data entry that includes the extracted specific product identifier; and updating a specific price value of the plurality of price values included in the identified specific product data entry in the product database associated with a geographic area including the geographic location based on the extracted associated price.. . ... Mastercard International Incorporated

04/27/17 / #20170116621

Method and system for predicting service provider performance based on industry data

A method for analysis of metrics based on stored data sets includes: storing transaction data entries, each including data related to a transaction including an account identifier and a category code associated with a recipient of the transaction and transaction data; receiving a metric request, the request being related to a service provider including one or more requested metrics and business data, the business data including data related to one or more customers of the related service provider; identifying a specific category code or account identifiers using the business data; identifying transaction data entries where that includes one of the account identifiers or the specific category code; identifying one or more metrics based on the transaction data included the identified transaction data entries; and transmitting the identified one or more metrics in response to the metric request.. . ... Mastercard International Incorporated

04/27/17 / #20170116620

Systems and methods for identifying spree shopping behavior

A computer-implemented method for identifying cardholder spree shopping behavior is implemented by a spree shopping identification (ssi) computing device in communication with a memory. The method includes receiving historical transaction data from a payment processor and generating at least one shopping profile using at least a portion of the historical transaction data. ... Mastercard International Incorporated

04/27/17 / #20170116606

Systems and methods for managing funds for financial transactions

Embodiments of the disclosure enable a user to manage funds for financial transactions. In some embodiments, a request for authorization of a financial transaction associated with one or more factors including a transaction amount is received from a financial transaction processing computing device, a first purse associated with a cardholder account that is associated with one or more purses is identified based on the one or more first factors, a plurality of parameters associated with the first purse including a first purse priority and a first purse balance are identified, the first purse balance is compared with the transaction amount to determine a difference between the first purse balance and the transaction amount, and it is determined whether to approve the request for authorization based on the first purse priority and the difference between the first purse balance and the transaction amount.. ... Mastercard International Incorporated

04/27/17 / #20170116605

Apparatus, method, and computer program product for secure, privacy-aware qualified expenditure tracking in an iso 8583 network or the like

At an intermediate node in a payment card processing network, clearing records are obtained for payment card transactions with a merchant which sells eligible wares and ineligible wares. Said clearing records specify, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares. ... Mastercard International Incorporated

04/27/17 / #20170116604

Systems and methods for identifying payment accounts to segments

Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. ... Mastercard International Incorporated

04/27/17 / #20170116602

Biometric verification systems and methods for payment transactions

According to some embodiments, a point of sale device may read a user's biometric information. The point of sale device may then execute an encryption algorithm on the biometric information read to create a token key value. ... Mastercard International Incorporated

04/27/17 / #20170116600

Method and system for performing commercial transactions relating to or purchased from a vehicle

A computer-implemented method is proposed for performing commercial transactions relating to or purchased from a vehicle. The method comprises: a merchant server identifying a vehicle in relation to which the transaction is to be performed and a digital wallet associated with the vehicle and sending a payment request to a wallet service associated with the digital wallet; the merchant server receiving authentication of the payment request from the wallet service and details of a user-specified payment mechanism stored in the digital wallet; and the merchant server transmitting the details of the payment mechanism along with details of the transaction to a payment network to complete the transaction.. ... Mastercard International Incorporated

04/27/17 / #20170116599

Method for predicting purchasing behaviour of digital wallet users for wallet-based transactions

A computer-implemented method for predicting purchasing behaviour of digital wallet users for wallet-based transactions made by the digital wallet users is provided. The method includes identifying payment card users having a profile characteristic that matches the profile characteristic of the digital wallet users. ... Mastercard International Incorporated

04/27/17 / #20170116585

Systems and methods for updating stored cardholder account data

A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. ... Mastercard International Incorporated

04/27/17 / #20170116584

Systems and methods for identifying payment accounts to segments

Systems and methods for use in segmenting payment accounts based on threat events are disclosed. An exemplary method includes identifying, by a computing device, a payment account associated with a threat event, appending, by the computing device, the payment account to a risk segment, and causing review of the payment account based on inclusion of the payment account in said risk segment. ... Mastercard International Incorporated

04/20/17 / #20170109846

System and method of enabling asset leasing on a token enabled payment card network

Methods and systems for processing booking transactions are provided. A server received a transaction request to book an asset for a time period. ... Mastercard International Incorporated

04/20/17 / #20170109844

Method and system for customizing point of sale item selection listing

A method for submitting preselected, customized data exchanged between a mobile device and a point of sale includes: establishing, by a communication module of a point of sale device, a communication connection between the point of sale device and a mobile computing device in geographic proximity to the point of sale device; receiving, by a receiving device of the point of sale device, a data signal electronically transmitted by the mobile computing device via the communication connection, wherein the data signal is superimposed with at least one custom item identifier; identifying, by a data identification module of the point of sale device, one or more preselected, customized menu options based on at least the at least one custom item identifier; and submitting, to an order processing module of the point of sale device, the identified one or more preselected, customized menu options.. . ... Mastercard International Incorporated

04/20/17 / #20170109831

Computerized-methods and systems for identifying duplicate entries in a database of merchant data

Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. ... Mastercard International Incorporated

04/20/17 / #20170109773

Comprehensive, systemic customer loyalty program

A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.. ... Mastercard International Incorporated

04/20/17 / #20170109752

Utilizing enhanced cardholder authentication token

Methods and systems for authorizing an online purchase transaction. In some embodiments, during an online transaction a merchant plug-in (mpi) application of a merchant server receives a cardholder authentication message including an enhanced accountholder authentication variable (aav) from an issuer access control server (acs). ... Mastercard International Incorporated

04/20/17 / #20170109749

Systems and methods for correction of information in card-not-present account-on-file transactions

In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. ... Mastercard International Incorporated

04/20/17 / #20170109731

Method of monitoring transaction activity of payment cards associated with digital wallets

A method for selecting consumers for targeted messages is described, the method comprising the steps of generating a token for representing a payment card number, and storing in a token table, an association of a wallet service provider id, a digital wallet id, the payment card number and the token. The method further comprises the steps of analyzing transaction data in a transaction table, the transaction data comprising transactions, and determining that the token is inactive when at least one of a set of predetermined conditions is satisfied. ... Mastercard International Incorporated

04/20/17 / #20170109675

Systems and methods for identifyhing and monitoring a supply network using a payment processing network

Systems and methods for detecting and monitoring a supply network are provided. Based on payment transaction data acquired through a payment processing network in relation to a plurality of payment transactions, a server detects supply chains, each comprising a plurality of suppliers downstream to a respective merchant, and determines, for each pair of sequential suppliers in the supply chain, a downstream velocity pattern of a respective connection linking the pair of sequential suppliers. ... Mastercard International Incorporated

04/20/17 / #20170109420

Parallel transfer of sql data to software framework

A system, method, and computer-readable storage medium configured to facilitate the parallel transfer of structured query language (sql) data to a software framework.. . ... Mastercard International Incorporated

04/13/17 / #20170103677

Nutrition intake tracker

A nutritional intake tracker computing device (“intake tracker”) is provided. The intake tracker is configured to receive user health data and at least one user health goal from a user computing device, and receive a request for an intake recommendation from the user computing device. ... Mastercard International Incorporated

04/13/17 / #20170103484

Method and system for providing a housing recommendation

Method and system for providing a housing recommendation to a user. The method comprising: determining, using a recommendation module, a spending behaviour of the user based on transaction data relating to electronic payment transactions involving the user; dividing, using the recommendation module communicatively coupled with a geographic information system (gis), a geographical area into a plurality of localities based on geographic information from the gis; determining, using the recommendation module, an average spending behaviour of residents in each locality based on transaction data relating to electronic payment transactions involving the residents; assigning, using the recommendation module, a base score to each locality based on a presence of residents in the locality with similar spending behaviour to the user; and transmitting, to a user output module communicatively coupled with the recommendation module, the housing recommendation that is based on the base score of each locality.. ... Mastercard International Incorporated

04/13/17 / #20170103438

Systems and methods for evaluating a credibility of a website in a remote financial transaction

Examples of the disclosure enable a user to evaluate a credibility of a website and/or a merchant in a remote financial transaction. In some embodiments, a request for a score is received from a client device. ... Mastercard International Incorporated

04/13/17 / #20170103424

Systems and methods for generating mood-based advertisements based on consumer diagnostic measurements

Systems and methods for providing consumers with mood-based advertisements and coupons according to diagnostic measurements are described. A mood of a consumer is determined utilizing diagnostic measurement(s) received through a consumer's portable device. ... Mastercard International Incorporated

04/13/17 / #20170103415

Selecting audience messages for an event based on audience analytics

A method for selecting audience messages for an event based on audience analytics. A content management computing device determines a set of geographical regions viewing rights for an event were purchased, and in what quantity based on a first set of transaction data. ... Mastercard International Incorporated

04/13/17 / #20170103396

Adaptable messaging

Systems, methods and apparatus for operating a device to complete a transaction are provided which include receiving a request to initiate a transaction with a merchant, transmitting a payment transaction initiation message to a merchant server associated with the merchant, receiving a request message from the merchant server for remote payment data, the request message including information identifying whether the merchant server supports a selected one of a first data format and an alternative data format, and providing the remote payment data to the merchant server in the selected data format for use by the merchant server to initiate authorization processing of the transaction.. . ... Mastercard International Incorporated

04/13/17 / #20170103383

Methods and systems for determining cardholder location when a transaction takes place

A computer system and method for determining a cardholder location during card not present (cnp) transaction. The system comprises first, second and third databases, and a location engine comprising a processor operable by instructions stored in memory that, when executed by the processor, cause the processor, during use of the payment card during a cnp transaction with a first one of the plurality of merchants determine the location of the cardholder during the cnp transaction.. ... Mastercard International Incorporated

04/13/17 / #20170103374

Systems and methods for determining currently available capacity for a service provider

A computer-based method for reporting capacity for a merchant is provided. The method is implemented using a capacity monitoring (cm) computing device, and includes receiving merchant data for a merchant via a merchant computing device and payment transaction data for a transaction performed at the merchant via a point-of-sale (pos) computing device, wherein merchant data includes an average consumer count and a total occupancy count. ... Mastercard International Incorporated

04/13/17 / #20170103367

Systems and methods for checking purchase eligibility criteria on products, before purchasing the products

Systems and methods are provided for use in complying with purchase eligibility criteria defined by an authority. One exemplary method generally includes obtaining, by a computing device, a product identifier where the product identifier is indicative of at least the product and/or a product category associated with the product, and transmitting, by the computing device, at least the product identifier to the authority. ... Mastercard International Incorporated

04/13/17 / #20170102832

Systems and methods for displaying content, based on selections of unlinked objects

Methods and systems are described for use in displaying content, in response to a selection of an unlinked object such as text. An exemplary method includes causing an interface to be displayed at a communication device. ... Mastercard International Incorporated

04/06/17 / #20170098276

Alternative form factor for financial inclusion

According to some embodiments, apparatus and methods are provided comprising a connector attachment including a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.. ... Mastercard International Incorporated

04/06/17 / #20170098241

Method and system for ambient media selection based on transaction history and demographics

A method for identifying ambient media (audio and visual content) selections based on transaction history includes: storing transaction data entries, each including data related to a payment transaction including a merchant identifier associated with a merchant involved in the transaction, a primary account number associated with a transaction account used in the transaction, and transaction data; receiving a request, the request including a specific merchant identifier; identifying a subset of transaction data entries that include a merchant identifier corresponding to the specific merchant identifier; identifying sets of demographic characteristics based on the primary account number and/or the transaction data included in transaction data entries in the subset; identifying an ambient media selection corresponding to the sets of the demographic characteristics; and transmitting the identified ambient media selection corresponding to each of the sets of demographic characteristics.. . ... Mastercard International Incorporated

04/06/17 / #20170098220

Method for securing an electronic transaction request from a computing device for fraud detection

A method is disclosed for performance by at least one server, for securing an electronic transaction request from a computing device for fraud detection. The request is received as a data packet comprising at least identification data of a payment card associated with the transaction and a mac address of the computing device, is disclosed. ... Mastercard International Incorporated

04/06/17 / #20170098218

Method and system for distribution of social benefits

A method for selective application of rules to transaction processing for mapped transaction accounts includes: storing account profiles having an account identifier, mapped account identifiers, and a primary account number; storing rule profiles having mapped account identifiers and transaction rules; receiving a program selection including the account identifier and a selected mapped account identifier; receiving a transaction message via a payment network including the primary account number and transaction data; identifying a rule profile having the selected mapped account identifier; determining compliance with the transaction rules in the rule profile based on the transaction data; replacing the primary account number in the transaction message with an account number associated with the selected mapped account identifier if the transaction is determined to be compliant with the transaction rules; and transmitting the transaction message to a financial institution.. . ... Mastercard International Incorporated

04/06/17 / #20170098213

Multi-currency transaction routing platform for payment processing system

According to some embodiments, a multi-currency transaction routing apparatus may include a first input to receive, from an acquirer bank, an electronic message containing information about a business as usual transaction including a generic primary account number. The multi-currency transaction routing apparatus may also include a storage device storing: (i) an association between the generic primary account number and a first primary account number of a first funding bank account in a first currency, and (ii) an association between the generic primary account number and a second primary account number of a second funding bank account in a second currency. ... Mastercard International Incorporated

04/06/17 / #20170098212

Method and system for identification of credentials stored in a computing device

A method for identifying payment credentials using a proxy electronic wallet comprises storing an account profile for a proxy electronic wallet that includes payment credentials for one or more payment accounts and account and/or payment credentials payment accounts associated with one or more paired electronic wallets. An account request is received from a digital entity that indicates the account profile, payment account identifiers are transmitted to a user computing device, a selection of a payment account is received from the user computing device, and a corresponding set of credentials in the account profile are identified. ... Mastercard International Incorporated

03/30/17 / #20170094027

Targeted file transfer tracker process

A file transfer monitoring system and method for monitoring the transfer of electronic files from a transfer source to a transfer target includes a tracking server and a data store, wherein the tracking server includes a prediction engine, a parameter database, and a monitoring component, the prediction engine is configured to receive one or more data transfer parameters from a parameter database and generate an expected data transfer time (edt) as a function of the one or more data transfer parameters, and the monitoring component is configured to receive the edt from the prediction engine, receive a transfer start signal from the transfer source, start a timer when the transfer start signal is received, and trigger an alert condition action if the a transfer complete signal is not received before the timer exceeds a threshold value relative to the edt.. . ... Mastercard International Incorporated

03/30/17 / #20170093840

Secure file transfer with secure ssh key authentication

An application having an application architecture including an application programming interface (api) client capable of automatically retrieving a passphrase from a secure passphrase vault based on a user authentication id used to access the application is provided. The passphrase is used to access a secure file transfer protocol (sftp) authentication key via an api server communicatively connected to the api client. ... Mastercard International Incorporated

03/30/17 / #20170093820

Secure shell file transfer protocol key administration

Systems and methods of centralized, global secure shell (ssh) key administration and management are provided, where a secure file transfer protocol (sftp) application programming interface (api) can be leveraged to integrate centralized ssh key administration across any and all sftp api or other file transfer installations. This allows an administrative entity to use a central server, for example, to perform client and server ssh key administration and management (e.g., ssh key creation, removal, distribution, and expiration reporting/tracking), scheduling, configuration updates, and the like across an unlimited number of file transfer installations and platforms (and therefore, is also scalable). ... Mastercard International Incorporated

03/30/17 / #20170092122

Vehicle telematics policing system

A vehicle telematics system for policing general road users and vehicles comprising a detector coupled to a telematics server and a central policing system is disclosed. Telematics information relating to a vehicle will be used to determine if the vehicle is outside predefined safe driving parameter ranges. ... Mastercard International Incorporated

03/30/17 / #20170092016

Transport system user inspection

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

03/30/17 / #20170091792

Methods and apparatus for estimating potential demand at a prospective merchant location

A method for estimating potential demand at a prospective merchant location for a merchant of a prospective merchant industry is provided. The method includes receiving transaction data and determining from the transaction data a first set of transactions, which include transactions carried out by consumers with consumer origin locations within an area that includes the prospective merchant location. ... Mastercard International Incorporated

03/30/17 / #20170091788

Methods and apparatus for analyzing visitor spending behavior

A method of analyzing the behavior of visitors to an area is provided. The method includes receiving transaction data for visitors to the area, the transaction data includes transactions by the visitors to the area and merchant locations within the area where the transactions occurred. ... Mastercard International Incorporated

03/30/17 / #20170091772

Method and system for authentication data collection and reporting

Methods, media, and systems directed to a platform for determining, processing, storing, and analyzing authentication data from various internal and external systems within an authentication ecosystem, and from other authentication systems providing authentication services.. . ... Mastercard International Incorporated

03/30/17 / #20170091752

Mobile application performance

A method of monitoring performance for transactions performed by a mobile computing device with a transaction system is described. A set of performance metrics related to a transaction is defined. ... Mastercard International Incorporated

03/30/17 / #20170091730

Method and system for dynamic pin authorisation for atm or pos transactions

A computer-implemented method is proposed for otp authorisation for atm or pos transactions. The method comprises: a) storing in a database a reference code for an otp application installed on a user device and details for one or more of the user's payment cards in association with the reference code; b) receiving, along with payment card details, an otp generated by the application and entered by the user into an atm or pos terminal; c) validating the otp; and d) on successful validation, authorising a payment transaction from the payment card.. ... Mastercard International Incorporated

03/30/17 / #20170090894

Systems and methods for use in deploying applications in different regions

Systems and methods are provided for use in deploying an application to one or more different regions. One exemplary method includes selecting, at a deployment device, a stack defining the application. ... Mastercard International Incorporated

03/30/17 / #20170088397

Methods, systems, and computer readable media for causing a mechanical action based on transient user data

A computer system can be configured to cause a mechanical action based on transient data stored on a user's mobile device. In some examples, the system includes a mobile device finder for receiving calendar information from a mobile device within a physical distance from an elevator system. ... Mastercard International Incorporated

03/23/17 / #20170083985

Systems and methods for locating merchant terminals based on transaction data

Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal id for the merchant terminal, a merchant id of the merchant, an acquirer id for an acquirer associated with the merchant, and a temporal indicator. ... Mastercard International Incorporated

03/23/17 / #20170083958

Method and system for assessing parking capacity

A method for generating data estimates of parking metrics based on transaction behaviors includes: storing parking data correlations, each including parking metrics and correlated transaction behaviors; storing transaction data entries, each including a geographic location and a time; receiving a parking metric request, the request including a specific geographic area and time range; identifying a subset of transaction data entries where the included geographic location is within the specific geographic area and the included time within the time range; identifying transaction behaviors based on a number of transaction data entries in the subset s and data stored therein; identifying a parking data correlation where the included correlated transaction behaviors corresponds to the identified transaction behaviors; and transmitting the parking metrics included in the identified parking data correlation in response to the received parking metric request.. . ... Mastercard International Incorporated

03/23/17 / #20170083953

Transaction based check-in to recommendation providing social media platforms

A method and system for providing location-based user-personalized recommendations for goods, services and activities to a user of a mobile communication device using a recommendation-providing social media platform is provided. The method includes automatically checking in to the merchant location on the recommendation-providing social media platform in response to settling the transaction at the merchant and automatically checking in to a predefined area which includes the merchant location. ... Mastercard International Incorporated

03/23/17 / #20170083949

Point of sale transaction based targeted advertising technical field

A method and system for point of sale (pos) transaction based individualized targeted marketing is provided. The method includes, for a point of sale (pos) transaction involving a pos merchant and a pos customer, pushing an advertisement to the pos customer for another merchant in response to the other merchant's distance from the pos merchant and additional parameters. ... Mastercard International Incorporated

03/23/17 / #20170083928

Method and system for analysis of immigration patterns

A method for predictive modeling of consumer immigration includes: storing transaction messages, each including a common primary account number, a merchant country, an issuer country, a transaction date, and additional data elements; identifying a first subset of transaction messages where the merchant is different from the issuer country; identifying a second subset of transaction messages where the merchant country is the same as the issuer country; determining, by the processing device of the processing server, an immigration date based on a comparison of a transaction frequency of transaction messages in each of the first subset and the second subset; identifying purchase behaviors based on data stored in each transaction message where the transaction date is earlier than the immigration date; and generating a predictive model configured to be applicable to transaction data to determine a likelihood of immigration based on the purchase behaviors.. . ... Mastercard International Incorporated

03/23/17 / #20170083925

Systems, methods, apparatus, and computer-readable media for college rating using consumer purchase transaction data

Systems, methods, apparatus, and computer-readable media are described herein for using data from recent consumer purchase transactions to indicate a comparative level of current interest for each among a number of colleges.. . ... Mastercard International Incorporated

03/23/17 / #20170083918

Transaction control

A method of choosing and authorising a transaction with a payment device used by a purchaser under the authority of an owner is described. An analytics engine receives an identifier for a good or service from the purchaser and uses the identifier to identify providers of the good or service and providing a set of provider recommendations for the good or service to the owner. ... Mastercard International Incorporated

03/23/17 / #20170083915

Verification for payment transactions

A method is described for providing user authentication and user consent for a transaction made with a payment device. A user authentication step is taken to verify that a user is entitled to use the payment device, and a user consent step is taken to verify that the user consents to the transaction. ... Mastercard International Incorporated

03/23/17 / #20170083914

Method and system for managing authentication services customer data

Methods, media, and systems directed to a platform for receiving, from at least one external user of an authentication system, a record including customer information for the external user and associated with at least an enrollment of the at least one external user to the authentication system; receiving, by a computer interfaced with an authentication database storing historical external user customer information, the record including the customer information for the external user; validating the record including customer information for the external user and the historical external user customer information; and storing an indication of the validated record.. . ... Mastercard International Incorporated

03/23/17 / #20170083898

Method and system for fraud detection using a mobile communication device

A method for determining a confidence level for provisioning of a token to a mobile device includes: storing device fingerprint data associated with a mobile device; receiving location data, the data including geographic locations of the mobile device; receiving a confidence level request, the request including a supplied device fingerprint and current location of the mobile device; identifying an area of validity for the mobile device based on the geographic locations; identifying an area of validity for the transaction account based on a location associated with each of a plurality of transactions involving the account; identifying a confidence level based on a correspondence between the supplied device fingerprint and the stored device fingerprint data, the current location and the area of validity for the mobile device, and the current location and the area of validity for the transaction account; and transmitting the confidence level for the confidence level request.. . ... Mastercard International Incorporated

03/23/17 / #20170083896

Application based personalized retailing

A method and system for a merchant to provide a personalized shopping experience for a customer having an active mobile device while shopping is provided. The method includes providing a signal for generating a personalized welcome message on the active mobile device when the customer enters a defined shopping area of the merchant and providing identification of the customer and a location of the customer within the defined shopping area to sales personnel of the merchant so that the sales personnel can personally greet the customer. ... Mastercard International Incorporated

03/23/17 / #20170083895

Methods and systems for prepaid mobile payment staging accounts

Systems and methods for provisioning a prepaid mobile staging account to consumer mobile devices are described that allow issuer financial institutions to quickly and efficiently launch nfc device payment programs. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account that includes identification information and associates the identification information with a prepaid mobile staging account. ... Mastercard International Incorporated

03/23/17 / #20170083894

Method and system for determining a preference of a customer from an aggregated participation level in payment card campaigns

A method for determining a preference of a customer is provided. The method includes accepting registration of payments cards, creating a unique identifier, associating the unique identifier with the registered payment cards, and storing the associations in a reference table. ... Mastercard International Incorporated

03/23/17 / #20170083877

Methods and systems for product identification and computer routing services

A method and system for managing payment card transaction instructions at a point of interaction (poi) device. The method includes storing one or more payment card transaction instructions received from an entity responsible for a plurality of payment cards usable with the poi device wherein the payment card transaction instructions are associated with at least one of a brand and a product of the entity. ... Mastercard International Incorporated

03/23/17 / #20170083716

Secure computer cluster with encryption

Systems and methods are provided for implementing a secure computing system with encryption, including a file system with a set of encryption zones. Each encryption zone includes encrypted data files. ... Mastercard International Incorporated

03/16/17 / #20170078308

Systems and methods for use in scoring entities in connection with preparedness of the entities for cyber-attacks

Systems and methods are provided for scoring business entities for attack preparedness, for example, in connection with cyber-attaches, etc. One exemplary method includes receiving a selection of a target business entity, associated with a payment network, and then generating a preparedness score related to cyber-attack for the selected business entity based on at least one security aspect of the business entity and at least one stage of attack. ... Mastercard International Incorporated

03/16/17 / #20170076324

Systems and methods for directing advertising mediums based on transaction data

Systems and methods are provided for directing advertising content based on transaction data. An example method includes aggregating transaction data and accessing, by a computing device, bids for advertising content. ... Mastercard International Incorporated

03/16/17 / #20170076309

Systems and methods for use in linking discounts for product purchases to social networks

Systems and methods are provided for linking product offerings with social network content. One exemplary method includes verifying, by a computing device, via an application programming interface (api) associated with the social network, a social network action, by a consumer, for a product in a social network, and awarding a discount to the consumer for the product, when the social network action is verified, whereby the consumer is able to purchase the product for the price of the product less the awarded discount. ... Mastercard International Incorporated

03/16/17 / #20170076289

Cross issuer cardholder decline prevention method and apparatus

A system, method, and computer-readable storage medium to alert payment card issuers of anticipated cardholder travel and to identify whether cardholder transactions are taking place within the anticipated cardholder travel region.. . ... Mastercard International Incorporated

03/16/17 / #20170075684

Isolating applications with a segmented architecture

An operationally monolithic application is provided, where the application resides in a first program address space of an application server. The application calls to an application component residing in a second program address space of the application server, the application component being built upon a framework of the operationally monolithic application. ... Mastercard International Incorporated

03/09/17 / #20170069017

Systems and methods for facilitating transactions between consumers and merchants

Systems and methods are provided for facilitating a transaction between a consumer and at least one merchant for one or more products. A purchase request is initially received, at a computing device, from a consumer. ... Mastercard International Incorporated

03/09/17 / #20170069014

Method and system for intelligent storage and distribution of media keys for content delivery

A method for providing media keys for content delivery includes: receiving a media purchase notification from each of at least two content purchasing entities, each notification including a media identifier, media key, associated platform identifier, and a common account identifier; storing, in an account profile, the common account identifier, media identifier, media key, and associated platform identifier included in each media purchase notification; receiving a content delivery request, the request including the common account identifier and a specific platform identifier; identifying, in the account profile, at least one media identifier and media key that is associated with the specific platform identifier; and transmitting a response to the content delivery request to a content delivering entity associated with the specific platform identifier, the response including the identified at least one media key.. . ... Mastercard International Incorporated

03/09/17 / #20170069003

Systems and methods for permitting merchants to manage fraud prevention rules

Systems and methods for use in permitting merchant to manage fraud prevention rules are disclosed. One exemplary method includes causing at least one settings interface to be displayed to a merchant via a sales platform. ... Mastercard International Incorporated

03/09/17 / #20170069002

Systems and methods for identifying aggregate merchants

Systems and methods for use in identifying one or more aggregate merchants are provided. An exemplary method includes compiling, by a computing device, a merchant data structure based on a region where the merchant data structure includes multiple merchants and, for each of the multiple merchants, a doing business as (dba) name and at least one merchant metric. ... Mastercard International Incorporated

03/09/17 / #20170068968

Generating aggregated merchant analytics using origination location of online transactions

Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (ma) computing device in communication with a user computing device. ... Mastercard International Incorporated

03/09/17 / #20170068944

Mobile-compatible offering of commercially identical items for post-retail sale

Systems and methods for pairing a mobile app with a point-of-sale system and recording an availability of units from a retail package are described.. . ... Mastercard International Incorporated

03/09/17 / #20170068939

Systems and methods for facilitating cross-platform purchase redirection

A purchase platform redirection (ppr) computing device is provided, the ppr computing device configured to receive a checkout request associated with a transaction initiated at an initial purchase platform by an account-holder. The checkout request includes an identifier of the initial purchase platform and an account-holder account identifier of the account-holder's payment account. ... Mastercard International Incorporated

03/02/17 / #20170063932

Systems and methods for monitoring computer authentication procedures

A method, implemented using an authentication monitoring (am) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.. ... Mastercard International Incorporated

03/02/17 / #20170063848

Method and system for enhanced validation of cryptograms in cloud-based systems

A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.. . ... Mastercard International Incorporated

03/02/17 / #20170063555

Image verification by an electronic device

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

03/02/17 / #20170061555

Method and system for predicting lowest airline ticket fares

Method and system for predicting a period with lowest airline ticket fares. The method comprises: receiving electronic payment transaction data relating to airline tickets; receiving flight data relating to a plurality of previous flights; generating, using a predictor module, historical reference data by associating the electronic payment transaction data with the flight data to determine, at least, a price of each of the plurality of previous flights; generating, using the predictor module, prediction data by fitting the historical reference data to a time-series model; receiving, from a user input module, user input data indicative of (i) departure location, (ii) arrival location and (iii) departure date of a future flight; predicting, using the predictor module, the period with lowest airline ticket fares based on the prediction data and the user input data; and transmitting the predicted period to a user output module to provide the user with an indication of a recommended period in the future to purchase a ticket for the future flight.. ... Mastercard International Incorporated

03/02/17 / #20170061534

Assessing credit risk

There is provided a computer-implemented method of assessing credit risk, the method comprising the steps of: obtaining non-sufficient funds declines data on past transactions of a plurality of account holders occurring during an outcome window; obtaining transactional data on the past transactions of said plurality of account holders occurring during an observation window that precedes the outcome window; deriving one or more rules based on the occurrence of non-sufficient funds declines during the outcome window and on the preceding transactional data from the observation window; and applying the one or more rules to transactional data on past transactions of an individual account holder occurring during an individual observation window for that individual in order to determine the likelihood of a non-sufficient funds decline occurring during a subsequent individual outcome window for that individual. There is also provided a computer readable medium and a system for assessing credit risk.. ... Mastercard International Incorporated

03/02/17 / #20170061458

Method of compiling city guide database using payment system data

A method includes receiving transaction data from a payment network. The transaction data may represent payment account transactions. ... Mastercard International Incorporated

03/02/17 / #20170061457

Systems and methods for determining share of spend

Methods and systems for determining consumer spend analytics are provided. The method includes identifying a plurality of microsegments of a population, retrieving transaction data associated with a first cardholder from a payment processing network, and matching the first cardholder to a first microsegment of the plurality of microsegments. ... Mastercard International Incorporated

03/02/17 / #20170061455

Method and system for sizing of demographic markets

A method for the generation of demographic market sectors includes: storing transaction data entries, each related to a payment transaction and including a geographic location and transaction amount; receiving census data from governmental agencies, the census data including data related to merchant and geographic location correspondences; receiving demographic data from third party data sources, the data including at least age, gender, income, presence of children, and geographic location data for a plurality of individuals; identifying demographic market sectors based on the census and demographic data, wherein each sector includes a subset of individuals having common age, gender, income, presence of children, and geographic location and includes at least a predetermined number of individuals; and identifying market spending for each demographic market sector based on a combination of the merchant and geographic location correspondences and a subset of the plurality of transaction data entries located in the respective demographic market sector.. . ... Mastercard International Incorporated

03/02/17 / #20170061450

Protecting privacy in audience creation

A method for generating microsegments includes retrieving a first set of information including activities attributable to a first plurality of entities and first entity identifiers; retrieving a second set of information including characteristics attributable to the first plurality of entities and second entity identifiers; combining the first and second sets of information using the first and second entity identifiers to obtain a combined set of information, the combined set of information not including personally identifiable information; generating a plurality of microsegments based on selected activities and/or characteristics criteria from the combined set of information; receiving a third set of information including characteristics attributable to a second plurality of entities; and matching characteristics in respective microsegments to characteristics of entities in the second plurality of entities to identify an audience of entities that have a propensity to carry out certain activities based on the selected activities and/or characteristics.. . ... Mastercard International Incorporated

03/02/17 / #20170061441

Secure on device cardholder authentication using biometric data

A secure on-device cardholder authentication method and system. In an embodiment, a consumer's mobile device uses a mobile application to receive a user authentication request from an entity. ... Mastercard International Incorporated

03/02/17 / #20170061434

Methods and apparatus for analyzing financial transaction data

In an embodiment a computer implemented method of analyzing financial transaction data, the method comprises, receiving, at a server of a payment network, an indication of a merchant from an issuing bank; determining, using the received indication, a merchant identifier that uniquely identifies the merchant in transaction data stored on a payment network data warehouse; extracting data corresponding to transactions at the merchant from the transaction data using the merchant identifier; analyzing the data corresponding to transactions at the merchant to determine key performance indicators for the merchant.. . ... Mastercard International Incorporated

03/02/17 / #20170061431

Systems and methods of securing mo/to processing

In one aspect, a method of securing a mail order/telephone order (mo/to) transaction is provided. The method is performed by a mo/to account holder-facing application running on a processor of an account holder computing device, and includes receiving a mo/to token request from an account holder; and responsive thereto, obtaining data corresponding to a token for use in a mo/to transaction request to be provided to a merchant having access to a merchant-facing application corresponding to said account holder-facing application. ... Mastercard International Incorporated

03/02/17 / #20170061406

Method and system for periodic saving using account controls

A method for periodic savings and usage via transaction controls includes: storing an account profile, the profile including a primary account number and account balance; receiving a saving request, the request including a period of time, periodic amount, total amount, and transaction criteria; storing a transaction control in the account profile that prevents usage of a saved amount of the account balance where the saved amount corresponds to the periodic amount; increasing the saved amount by the periodic amount after the period of time; repeating the increasing step until the saved amount is equal to or greater than the total amount; and updating the transaction control to prevent usage of the saved amount outside of a payment transaction in compliance with the one or more transaction criteria.. . ... Mastercard International Incorporated

03/02/17 / #20170061366

Methods and apparatus for processing and generating an order

A computer implemented method of processing an e-commerce order is provided. The method includes receiving, at an e-commerce server, an indication of an order including an indication of delivery information. ... Mastercard International Incorporated

03/02/17 / #20170061022

Methods of providing information related to activities

A method of providing a user with information related to one or more activities is provided. The method comprises identifying one or more activities; calculating a locality for the user for each activity; identifying a subset of the activities based on the respective locality for each activity; and providing information related to at least one of the subset of the activities to the user.. ... Mastercard International Incorporated

03/02/17 / #20170060933

Method and system for validation of an online profile

A method for validating user-submitted profile data includes: receiving, by a receiving device, profile data and a user identifier from a first entity, wherein the profile data and the user identifier are associated with a user and where the profile data includes a plurality of unverified data values; transmitting, by a transmitting device, at least the user identifier to a second entity; receiving, by the receiving device, a plurality of corresponding data values from the second entity; and validating, by a processing device, at least one unverified data value of the plurality of unverified data values based on a correspondence to a corresponding data value of the plurality of corresponding data values.. . ... Mastercard International Incorporated

03/02/17 / #20170060875

Method for customising a travel itinerary

A computer-implemented method for customising a travel itinerary for an account holder is provided. The method comprises receiving current transaction data when settling a current travel transaction initiated by the account holder with a current merchant; retrieving a plurality of historical transaction data relating to a plurality of historical transactions settled for the account holder prior to the current travel transaction; identifying one or more of the plurality of historical transactions that relate to the current transaction data to recognize preferences of the account holder; and customising a travel itinerary based on the preferences of the account holder, the travel itinerary including at least one merchant with whom the account holder can initiate a future transaction.. ... Mastercard International Incorporated

03/02/17 / #20170060600

Systems and methods for navigating within and between websites

A visitor guidance computing device for navigating a user between digital assets is provided. The visitor guidance computing device includes a processor and a memory. ... Mastercard International Incorporated

02/23/17 / #20170053363

Method and system for providing a travel recommendation

The method comprising: receiving electronic payment transaction data relating to one or more aspects of travel, the aspects of travel comprising: transportation, accommodation and/or dining; receiving segment data relating to the one or more aspects of travel, the segment data comprising information corresponding to a plurality of travel segments; generating, using a recommendation module, recommendation data by associating the electronic payment transaction data with the segment data to determine, at least, a price of each of the plurality of travel segments; receiving, from a user input module, user input data indicative of (i) overall travel budget, (ii) period of travel and (iii) origin location of the user; generating, using the recommendation module, the travel recommendation based on the recommendation data and the user input data; and transmitting the travel recommendation to a user output module to provide the travel recommendation to the user.. . ... Mastercard International Incorporated

02/23/17 / #20170053339

Methods, systems, and computer readable media for detecting customer presence to initiate the ordering and purchase of goods and services

Methods, systems, and computer readable media for detecting customer presence to initiate the ordering and purchase of goods and services are disclosed. In one example, a system includes a detection server configured to detect the presence of a mobile device in a designated area associated with a merchant location and for initiating a menu selection application in the mobile device for placing an order for at least one product. ... Mastercard International Incorporated

02/23/17 / #20170053311

Method and system for displaying an advertisement on a payment card

Method and system for displaying an advertisement on a payment card. The method may be executed using a computer coupled to a database and the payment card may comprise a display screen. ... Mastercard International Incorporated

02/23/17 / #20170053294

Systems and methods for generating relationships via a property graph model

A method of generating graph data components stored in a graph database is provided. The method is implemented using a graph component generator computing device in communication with a memory. ... Mastercard International Incorporated

02/23/17 / #20170053286

Method and system for credits in a social network

A method for verification of user identity includes: storing account profiles, each profile including data related to a user account of a non-financial institution (nfi) entity including an account identifier and an address; receiving a transaction request, the request including a specific account identifier and a transaction amount; identifying an account profile including the specific account identifier; generating a controlled payment number associated with a transaction account of the nfi entity; transmitting a notification to a third party entity including the specific account identifier; transmitting the controlled payment number to a user associated with the user account related to the specific account profile; receiving a data message from the third party entity including the specific account identifier and identification data associated with the user; and updating the specific account profile to include the controlled payment number, the identification data, and a spending limit based on the transaction amount.. . ... Mastercard International Incorporated

02/23/17 / #20170053281

Card continuity system and method

A system, method, and computer-readable storage medium configured to maintain account continuity when payment account numbers change.. . ... Mastercard International Incorporated

02/23/17 / #20170053278

Systems and methods for processing charges for disputed transactions

Systems and methods are provided for processing a charge for a disputed transaction to a payment account associated with a consumer. In connection therewith, a refund request is initially received, from the consumer, relating to a transaction at a merchant charged to the consumer's payment account. ... Mastercard International Incorporated

02/23/17 / #20170053265

Method and system for contactless financial transactions

A method and system are proposed for financial purchase transactions between a merchant and an employee in possession of a contactless credential device such as a proximity card ordinarily used for access to commercial facilities as in the case of electronically controlled doors and the like. The merchant is provided with a contactless reader device adapted to discern credential device codes. ... Mastercard International Incorporated

02/23/17 / #20170053258

Payment networks and methods for facilitating data transfers within payment networks

Exemplary payment networks and methods are provided for facilitating data transfers. One exemplary method includes determining a performance of a first path through a first wan between a hub and a customer, determining a performance of a second path through a second different wan between the hub and the customer, causing a data traffic associated with a first class of application to be routed along the first path when the performance of the first path is within a first performance threshold, and causing the data traffic, when routed along the first path, to be switched to the second path when the performance of the first path fails to satisfy and/or violates the performance threshold.. ... Mastercard International Incorporated

02/23/17 / #20170053256

Real-time data storage and analytics system

Systems and methods are provided for storing, sorting, and analyzing account transactions in a payment network, and for real-time data analytics. One embodiment of a real-time data storage and analytics system includes a payment network that collects and processes account transactions. ... Mastercard International Incorporated

02/23/17 / #20170053251

Adding supplemental data to data signals to enhance location determination

A data signal enhancement device for adding supplemental location data to a data signal to enhance location determination is described. Additionally, a method and a computer-readable storage medium for adding supplemental location data to a data signal to enhance location determination is described.. ... Mastercard International Incorporated

02/23/17 / #20170052681

Systems and methods for preserving and transmitting interfaces displayed at communication devices

Systems, devices and methods are directed toward preserving an interface displayed at a communication device, and then transmitting the preserved image to a recipient. An interface is initially displayed to a user, at a communication device, illustrating various information to the user. ... Mastercard International Incorporated

02/23/17 / #20170052658

Methods and apparatus for managing communication devices

A computer implemented method of controlling a slave communication device from a master communication device is provided. The method includes displaying, on a display of the master communication device, an indication of a plurality of slave devices paired with the master communication device, receiving, on the master communication device, a user selection of a slave communication device from the plurality of slave communication devices, displaying, on the master communication device, a representation of at least part of a user interface of the selected slave communication device, receiving a user interaction with the virtual phone display region, transmitting control signals on the wireless network connection to cause the selected slave communication device establish a voice call, and transmitting and receiving bi-directional audio signals to and from the slave communication device over the wireless network connection to facilitate the voice call.. ... Mastercard International Incorporated

02/16/17 / #20170047737

Controlling transfer of electrical power

According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials. ... Mastercard International Incorporated

02/16/17 / #20170046790

Systems and methods for providing indicators, relevant to transactions at merchants

Systems and methods for use in providing one or more indicators relevant to transactions to a merchant are disclosed. An exemplary method generally includes accessing, by a computing device, transaction data associated with a merchant, for a predefined interval and generating, by the computing device, an interface including at least one status indicator based on the accessed transaction data. ... Mastercard International Incorporated

02/16/17 / #20170046715

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

02/16/17 / #20170046714

Biometric verification method and system

A method of biometric verification is described involving interaction between a token and a terminal. The token stores, or has access to, stored user biometric data. ... Mastercard International Incorporated

02/16/17 / #20170046710

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

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

02/16/17 / #20170046703

Method and system for facilitating payments on a payment card network

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

02/16/17 / #20170046701

Systems and methods for monitoring authentication of transactions to payment networks

Systems and methods for use in monitoring authentication messaging associated with payment account transactions are disclosed. One exemplary method includes monitoring authentication messaging from a merchant plug-in (mpi) associated with at least one merchant. ... Mastercard International Incorporated

02/16/17 / #20170046695

Methods and apparatus for gifting goods or services

A computer-implemented gifting system is proposed in which a computer system generates a gift card associated with a payment account of a giver. The gift card is transmitted to a recipient, who may present the gift card to a merchant to redeem the gift card. ... Mastercard International Incorporated

02/16/17 / #20170046692

Systems and methods for facilitating purchase transactions funded by rewards

Systems and methods are provided for facilitating purchase of products using rewards for a payment account associated with a consumer. In one example, a method generally includes receiving a product indicia associated with a target product offered for sale by a merchant, as scanned by a portable communication device, and sending, in response to the indicia, data corresponding to an identified product associated with the product indicia, from a reward library. ... Mastercard International Incorporated

02/16/17 / #20170046691

Managing customer uniqueness in tokenised systems

According to one aspect there is provided a method comprising a secondary payment device: receiving a device primary account number (dpan) and a funding source proxy (fsp) derived from a funding primary account number (fpan) of a funding source according to a predetermined algorithm; and transmitting a secondary payment device transaction request comprising said dpan and said fsp to a payment terminal. According to another aspect there is provided a method comprising a payment terminal: receiving a secondary payment device transaction request comprising a device primary account number (dpan) and a funding source proxy (fsp) derived from a funding primary account number (fpan) of a funding source according to a predetermined algorithm; responsive thereto, determining that the fsp is not present on a deny list stored at the payment terminal; and responsive thereto, authorizing said secondary payment device transaction request.. ... Mastercard International Incorporated

02/16/17 / #20170046690

Managing customer uniqueness in tokenised systems

According to a first aspect there is provided a method of identifying the funding source of an electronic transaction, said method comprising a payment terminal: receiving a transaction request comprising one or more credentials from a payment device; and determining whether said credentials comprise a funding source proxy (fsp) and, if not, generating the fsp from one or more of said credentials according to a predetermined algorithm stored on said payment terminal; wherein the funding source proxy is derived from a funding primary account number (fpan) of a funding source of said payment device. Other aspects provide a method of blocking an electronic transaction, a method of authorising an electronic transaction, a method performed by a payment terminal and a method of provisioning a device with payment capability.. ... Mastercard International Incorporated

02/16/17 / #20170046636

Method and system for providing travel support services

A method and a system are provided for offering travel support services. In particular, the method includes retrieving from one or more databases a first set of information comprising payment card transaction information of one or more entities including addenda information; retrieving from one or more databases a second set of information including vendor information; and retrieving from one or more databases a third set of information comprising external information. ... Mastercard International Incorporated

02/09/17 / #20170039605

Method and system for providing a personalised customer service from a physical provider of goods or services

A computer-implemented method is proposed for providing a personalized customer service from a physical provider of goods or services. The method comprises: automatically recognizing when a customer enters a physical provider of goods or services through use of an electronic signature; obtaining data on the recognized customer, the data comprising the customer's historical purchasing data; and informing provider staff of one or more of: the customer data, deals, discounts, recommendations or rewards to offer the customer based on the historical purchasing data, such that the staff can provide a personalized service to the customer based on the data provided.. ... Mastercard International Incorporated

02/09/17 / #20170039536

Method and system for issuing a payment medium

A method and system for issuing a payment medium for use in an electronic payment transaction. The method comprising the steps of identifying a user based on identification data received from the user at an automated teller machine (atm); receiving, at the atm, a request from the user for a payment medium having a monetary amount and a validity period of the payment medium; generating, at the atm, a code that is associated with the identification data, the monetary amount and the validity period and dispensing, at the atm, the payment medium with the code.. ... Mastercard International Incorporated

02/02/17 / #20170034185

Systems and methods for identifying electronic messages containing malicious content

Systems and methods are provided herein for use in identifying and/or detecting electronic message containing malicious content. One exemplary method includes receiving multiple electronic tags. ... Mastercard International Incorporated

02/02/17 / #20170032707

Method for determining a fruition score in relation to a poverty alleviation program

Disclosed in a method for determining a fruition score in relation to a poverty alleviation program. The method includes selecting a geographical region on the basis that the poverty alleviation program is implemented in the geographical region for at least part of an analysis period. ... Mastercard International Incorporated

02/02/17 / #20170032467

Systems and methods for compiling amounts spent through payment accounts

Systems and methods are provided for compiling total amounts spent through payment accounts. One exemplary method includes accessing transaction data associated with a payment account for transactions known to a first payment service provider, and identifying, at a computing device, a first amount spent through the payment account based on the accessed transaction data. ... Mastercard International Incorporated

02/02/17 / #20170032446

Enhanced smart refrigerator systems and methods

An enhanced smart refrigerator (esr) for automatically populating a virtual shopping cart is provided. The esr stores a purchase log including a purchase history of a target product. ... Mastercard International Incorporated

02/02/17 / #20170032383

Systems and methods for trending abnormal data

Systems and methods are provided for identifying traits of abnormal data. One exemplary method includes accessing transaction data as associated with at least one merchant, where the transaction data includes multiple transactions. ... Mastercard International Incorporated

02/02/17 / #20170032371

Method and system for next generation fleet network

A method for processing a fleet card transaction includes: storing, in a merchant file database, a plurality of merchant profiles, wherein each merchant profile includes at least a merchant identifier and at least one loop type identifier; receiving, by a receiving device and from a merchant device, an authorization request for a payment transaction, wherein the authorization request includes transaction data including at least a merchant identifier and a payment card identifier; identifying, by a processing device, the loop type identifier associated with the received transaction data; determining, by the processing device, whether to route the authorization request to one of a closed loop network and an open loop network based upon the loop type identifier associated with the received transaction data; and transmitting, by a transmitting device, the authorization request to a third party entity associated with either the closed loop network or the open loop network.. . ... Mastercard International Incorporated

02/02/17 / #20170032370

Electronic payment transactions using machine readable code without requiring online connection

Processes and systems for facilitating purchase transactions with a mobile device. In an embodiment, a mobile device processor receives an indication to conduct a purchase transaction, initializes a secure mobile wallet application and receives a selection of a payment account. ... Mastercard International Incorporated

02/02/17 / #20170032368

Systems and methods for authenticating account users

Systems and methods are provided for authorizing a user in connection with a request by the user to register an account for one or more services, to thereby confirm that the user is associated with the account. One exemplary method generally includes accessing data stored in a database for an account, in response to a request from a user to register the account for one or more new services; requesting confirmation from the user, at a user device, of at least one detail associated with the accessed data; comparing, at a computing device, location data for the user to base location data identified from the accessed data; and generating, at the computing device, a score for the request based on the comparison, where the score is indicative of whether or not the user, associated with the request, is also associated with the account.. ... Mastercard International Incorporated

02/02/17 / #20170032363

Method for mapping data to a transaction

The method includes generating a token using a token generator, the token being associated with time data and a transaction modifier, and using an advertiser system in communication with the token generator to associate the token with an advertisement displayed at a time of display corresponding with the time data. A transaction is then established using a payment gateway upon receiving a transaction request, relating to the advertised content. ... Mastercard International Incorporated

02/02/17 / #20170032356

Systems and methods for using an internet of things device presence to authenticate a cardholder for a financial transaction

Examples of the disclosure enable a user to be authenticated and/or a financial transaction to be authorized. In some examples, one or more identifiers associated with one or more detected devices in an area proximate to the detection device are received. ... Mastercard International Incorporated

02/02/17 / #20170031963

Systems and methods for tracking data using user provided data tags

A method of tracking tagged transaction data corresponding to transactions between users and merchants is provided. The method includes receiving, by the tag tracking computing device, a plurality of transaction signals including a plurality of transaction data associated with the transactions. ... Mastercard International Incorporated

01/26/17 / #20170024837

Method and apparatus for improving a public transport system

Method and apparatus for improving a public transport system is disclosed. The method comprises obtaining transaction data representing past transactions performed by a plurality of consumers via a payment network. ... Mastercard International Incorporated

01/26/17 / #20170024829

Method and system for collecting indirect tax

A method for collecting indirect tax associated with a transaction, the method being performed using a tax collection module, and comprising the steps of: determining that an indirect tax is due on the transaction having a transaction value; calculating the amount of indirect tax due on the transaction; deducting the calculated amount of indirect tax due on the transaction from the transaction value at a time associated with settlement of the transaction; and forwarding the deducted amount to a tax collecting entity at the time associated with settlement of the transaction.. . ... Mastercard International Incorporated

01/26/17 / #20170024799

Methods and apparatus for recommending travel options

A computer implemented method is proposed for providing prospective travelers with recommendations for merchants (e.g. Hotels) to use at their intended destination. ... Mastercard International Incorporated

01/26/17 / #20170024783

Methods and systems for ranking merchants

A method is proposed for ranking merchants satisfying one or more selected criteria. The merchants are ranked according to an algorithm which calculates a respective score for each merchant as a function of (i) one or more transactional data values characterising previous commercial transactions involving the merchants, (ii) one or more rating values obtained from one of more social media sources and characterising properties of the merchants according to customer feedback, and (iii) pre-determined parameters which control the relative importance of the transactional data values and rating values in determining the scores.. ... Mastercard International Incorporated

01/26/17 / #20170024759

Methods and systems for operating a customer loyalty program

A computerized method for operating a loyalty account is proposed in which a customer registers a payment card with a loyalty program of a merchant, and a loyalty account is associated with the payment card. When the customer uses the payment card to make a payment transaction involving the merchant, loyalty points are credited to the loyalty account. ... Mastercard International Incorporated

01/26/17 / #20170024752

Method for forecasting an interval between interest registered for a particular good or service and purchase of the particular good or service

Disclosed is method that includes processing the past registered interest data against the past purchase data to identify past purchases resulting from registered past interest so as to determine a period between each of the identified past purchases and the registered past interest; deriving parameters, from one or more of the determined periods, for a prediction algorithm configured to forecast the interval between the interest registered for the particular good or service and purchase of the particular good or service; processing, using the prediction algorithm, present data of interest registered on one or more goods or services that are related to the particular good or service to calculate an estimate of the interval between the registered present interest and the purchase of the particular good or service; and planning the product related activities in response to the estimated interval. Related apparatus and a non-transitory computer readable medium are also disclosed.. ... Mastercard International Incorporated

01/26/17 / #20170024737

Financial transaction method and system

A financial transaction system has a processing unit, a database unit and input-output interface. The system receives data from a mobile input-output device operated by a traffic law enforcement officer. ... Mastercard International Incorporated

01/26/17 / #20170024734

Systems and methods for processing transactions to payment accounts

Systems and methods are provided for processing transactions to payment accounts to add funds to the payment accounts. One exemplary method generally includes receiving, at a computing device, a transaction request for a transaction to a payment account where the transaction request includes a deposit identifier associated with the payment account but does not include a primary account number (pan) for the payment account. ... Mastercard International Incorporated

01/26/17 / #20170024732

Methods and apparatus for processing a payment-on-delivery (pod) transaction

A computer-implemented method for processing a payment-on-delivery (pod) transaction is provided. The method comprising (a) obtaining transaction information in respect of an order placed by a cardholder with a merchant, said transaction information comprising payment account information associated with the cardholder; (b) transmitting a pre-payment authorization code associated with the order to the cardholder; (c) receiving a payment authorization request from a communication device of the cardholder, said payment authorization request having been sent upon delivery of order merchandise, wherein the payment authorization request comprises a candidate pre-payment authorization code; (d) verifying the candidate pre-payment authorization code using the pre-payment authorization code; and (e) upon successful verification, transmitting a transaction request for effecting a payment from an issuing bank associated with the payment account, the transaction request comprising the payment account information. ... Mastercard International Incorporated

01/26/17 / #20170024720

Multi-mode payment systems and methods

Systems, methods, apparatus and computer program code are provided to receive payment card and mobile identity information from a mobile device associated with a user, determine account and mobile device eligibility and capability and in the case where the mobile device is nfc capable, triggering a tokenization process to generate a tokenization record associated with the payment card, storing the payment card information associated with the user securely, and transmitting card reference information associated with at least one of (i) the tokenization record, and (ii) the stored payment card information to the mobile device for use in transactions.. . ... Mastercard International Incorporated

01/19/17 / #20170019410

Identity federation and token translation module for use with a web application

An identity federation and security token translation module and method for operable engagement with a web application or an internet information service (iis). A first server includes computer-executable instructions defining the identity federation and security token translation module for managing and facilitating a creation of a custom security principal object for a user requesting access to the web application. ... Mastercard International Incorporated

01/19/17 / #20170017968

Systems and methods for use in valuing coupons, relative to other coupons

Systems and methods are provided for assigning a value to a coupon, suited for ranking the coupon relative to other coupons. One exemplary method generally includes selecting, by a computing device, a target coupon; weighting, by the computing device, a value associated with the coupon, based on at least one parameter related to the coupon and/or a redemption merchant associated with the coupon; and publishing the weighted value of the target coupon, whereby the weighted value is usable to compare the target coupon to weighted values of other coupons.. ... Mastercard International Incorporated

01/19/17 / #20170017962

System and method of managing data injection into an executing data processing system

A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing system during runtime, determining at least one data element associated with the indication of data or instructions, generating metadata based on at least one of the indication and the determined at least one data element, and periodically executing a job, the job reads the metadata and modifies a workflow of the processing system based on the metadata.. ... Mastercard International Incorporated

01/19/17 / #20170017957

Authentication system and method for server-based payments

A method of performing a payment transaction employing a two-factor authentication mechanism. The method includes engaging in cryptographic processing with a cryptographic function having a secret key encoded therein. ... Mastercard International Incorporated

01/19/17 / #20170017953

Systems and methods for transferring balances

A positive balance on a first financial account associated with a prepaid card are transferrable to a second financial account associated with a third party. In some embodiments, an instruction to transfer a portion of the first financial account to the second financial account is received. ... Mastercard International Incorporated

01/19/17 / #20170017949

Method to enable consumers to make purchases at e-commerce websites using their mobile number

A method and system include receiving a payment authorization request that comprises payment data and a mobile station international subscriber directory number (msisdn) associated with a mobile device; verifying the msisdn by comparing msisdn to a subscriber database; generating a message to verify a payment transaction, after the msisdn is validated; receiving the verification message at the mobile device; verifying the payment transaction by transmitting a mobile personal identification number (pin) associated with the msisdn in response to the verification message; generating an authorization message indicating the payment transaction is one of approved or declined; and transmitting the authorization message. Numerous other aspects are provided.. ... Mastercard International Incorporated

01/19/17 / #20170017935

Systems and methods for establishing message routing paths through a computer network

A method for routing computer messages between parties is provided. The method is implemented using a message gateway computing system including a processor and a memory. ... Mastercard International Incorporated

01/19/17 / #20170017806

Systems and methods for merging networks of heterogeneous data

A method and system for merging heterogeneous data types are provided. The method includes receiving a first corpus of first data, the first data includes an indicator of an interaction between a first element of the first corpus of first data and a second element of the first corpus of first data, receiving a second corpus of second data, the second data includes an indication of an interaction between a third element of the second corpus of second data and a fourth element of the second corpus of data, and generating a third matrix using correlations of the first and second elements with correlations of the third and fourth elements.. ... Mastercard International Incorporated

01/19/17 / #20170017713

Methods and systems for calculating and retrieving analytic data

A data management system for calculating and retrieving analytic data involves a computing device coupled to a database. The system includes a measure data structure within the database including a measure-data element, a collection data structure within the database including a collection-data element, and a fact data structure within the database, and configured to store a fact-data element which includes an aggregated value, a link to the measure-data element, and a link to the collection-data element. ... Mastercard International Incorporated

01/12/17 / #20170013462

Systems and methods for use in authenticating individuals, in connection with providing access to the individuals

Systems, devices and methods are directed toward authenticating users to provide access to the users. A portable communication device, suitable for use in authenticating a user, includes a memory including a reference biometric for a user, a biometric reader, and a processor coupled to the memory and biometric reader. ... Mastercard International Incorporated

01/12/17 / #20170011405

Simultaneous multi-factor authentication systems and methods for payment transactions

According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. ... Mastercard International Incorporated

01/12/17 / #20170011403

Co-processing electronic signals for redundancy

A co-processing fraud risk scoring system for scoring electronic payment transactions for potential fraud is described. Additionally, a method and a computer-readable storage medium for scoring electronic payment transactions for potential fraud are described.. ... Mastercard International Incorporated

01/12/17 / #20170011397

Method and system for person to person payments using a controlled payment number

A method for processing transactions in user accounts includes: storing account profiles, each including data related to a user account of a non-financial institution (nfi) entity including a controlled payment number (cpn) and spending limit, the cpn being associated with a transaction account of the nfi entity and subject to the spending limit; receiving a transaction request including a payer cpn, payee cpn, and transaction amount; identifying a payer account profile that includes the payer cpn; identifying a payee account profile that includes the payee cpn; decreasing the spending limit included in the payer account profile based on the transaction amount; and increasing the spending limit included in the payee account profile based on the transaction amount.. . ... Mastercard International Incorporated

01/12/17 / #20170011389

System and method for managing a compromised account

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

01/12/17 / #20170011370

Electronic authentication systems

Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. ... Mastercard International Incorporated

01/05/17 / #20170006434

Systems and methods for determining device location using wireless data and other geographical location data

A computer-implemented method for determining device location of a user device within a venue using a wireless positioning system is provided. The method includes identifying a plurality of signal sample sets, wherein each signal sample set includes a sample location within the venue and one or more wireless signal strengths of associated wireless access points positioned at the venue, wherein the sample location is determined based on location data associated with a corresponding payment card transaction within the venue. ... Mastercard International Incorporated

01/05/17 / #20170006048

Electronic authentication systems

Methods and devices are provided for use in detecting relay attacks between devices in a communications network. One method includes sending first data by a first device to a second device, and receiving, by the first device, a communication from the second device where the communication comprises second data generated at the second device and a time parameter related to the generation of the second data. ... Mastercard International Incorporated

01/05/17 / #20170004518

Method and system for providing integrated solutions

A method and system that includes providing one or more databases configured to store a first set of information comprising microeconomic information and macroeconomic information, in which the microeconomic information comprises at least payment card holder transaction information at a merchant; generating, from the first set of information, insights into the business of the merchant; identifying a first set of opportunities and/or recommendations, based on the insights, for the business of the merchant; performing operational aspects for implementing the first set of opportunities and/or recommendations into the business of the merchant; measuring performance of the business of the merchant by comparing performance metrics prior to and after implementing the first set of opportunities and/or recommendations into the business of the merchant; and identifying a second set of opportunities and/or recommendations, based on performance measurement from the comparison of the performance metrics, for the business of the merchant.. . ... Mastercard International Incorporated

01/05/17 / #20170004499

Method and system for cross-border travel alerts

A method for using mobile device roaming data to determine consumer geolocation for use in authorization decisions includes: storing an account profile, the profile including data related to a transaction account associated with a cardholder including an account identifier and geographic location; receiving a location notification, the notification including the account identifier and an updated geographic location of the cardholder, the updated geographic location being identified based on roaming data associated with a mobile communication device associated with the cardholder; receiving an authorization request associated with a payment transaction, the authorization request being a transaction message formatted based on associated standards and including the account identifier, transaction data, and a transaction location; determining an authorization decision for the payment transaction based on a correspondence between the updated geographic location and the transaction location; and forwarding the received authorization request and the determined authorization decision.. . ... Mastercard International Incorporated

01/05/17 / #20170004498

Electronic incremental payments

An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. ... Mastercard International Incorporated

01/05/17 / #20170004497

Electronic authentication systems

Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device. ... Mastercard International Incorporated

01/05/17 / #20170004490

Systems and methods for managing data definitions within payment applications

Systems and methods for use in managing data definitions within applications, including payment transaction applications, are disclosed. One example method includes identifying an application to be tested, where the application includes a pre-production code-segment and at least one data definition; comparing the at least one data definition of the application to a library of standard data definitions; and generating a report, where the report includes a flag when at least one discrepancy is identified by the computing device between the at least one data definition in the application and the standard data definitions.. ... Mastercard International Incorporated

01/05/17 / #20170004486

Method and system for fraud control based on geolocation

A method for fraud control of a transaction account based on geolocation includes: storing, in an account database, an account profile including data related to a transaction account including a first profile rule associated with a first geographic area and a second profile rule associated with a second geographic area different from the first; receiving an authorization request for a first transaction involving a first payment card, the request including a first geographic location; receiving an authorization request for a second transaction involving a second payment card, the request including a second geographic location; determining validation for each authorization request, wherein each is determined to be valid if the geographic location is in a geographic area corresponding to the first geographic area or the second geographic area; and transmitting the determination of validation for each authorization request to a payment network for processing of the associated payment transaction.. . ... Mastercard International Incorporated

01/05/17 / #20170004468

Multiple payor bill payments

A method includes the steps of: enrolling a plurality of billers and a plurality of payors in a multiple payor bill payment program; receiving an invoice from a given one of the billers, the invoice being generated in response to an order for goods and/or services initiated by at least one of the payors; splitting the invoice into multiple parts according to prescribed rules corresponding to each of a subset of the payors associated with the order; sending the multiple parts of the invoice to the subset of the payors associated with the order; receiving payments from the subset of the plurality of payors associated with the order; and sending the payments to the given one of the billers.. . ... Mastercard International Incorporated

01/05/17 / #20170004467

Electronic grace period billing

An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special iou approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. ... Mastercard International Incorporated

01/05/17 / #20170004463

By-item bill payments

A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. ... Mastercard International Incorporated








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