Patents Assigned to Mastercard International Incorporated
  • Patent number: 10332192
    Abstract: 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. The method comprises receiving from the mobile merchant computing device at least one authorization request message including a merchant identifier for the mobile merchant and a first location variable, determining a location of the mobile merchant using the first location variable, transmitting to a consumer computing device operable by a consumer, by the LM computing device, a location data message including the merchant identifier and the location of the mobile merchant, and causing, by the transmission, the consumer computing device to display the location on a display interface coupled to the consumer computing device.
    Type: Grant
    Filed: January 15, 2016
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Andrey Zolotov
  • Patent number: 10332419
    Abstract: 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. The method includes comparing the transaction amount to a set of possible food order combinations totaling the transaction amount. A food order combination is selected that has a total price that matches the transaction amount. Nutritional information associated with each food item in the selected food order combination is retrieved and stored into a database.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Mayank Prakash, Ashutosh Sharan, Sheetanshu Gupta
  • Patent number: 10332105
    Abstract: A computer implemented method of obtaining account data and merchant data, the method comprising the steps of: receiving a first request message from a user device at a third party, the first request message containing proposed transaction amount data, location data and payment card data; sending a second request message to a card issuer from the third party, the second request message containing a balance inquiry and payment card data; receiving a first response message from the card issuer at the third party, the first response message containing balance data related to the balance inquiry and payment card data; interrogating a database to obtain merchant data based on the location data; and sending a second response message to the user device from the third party, the second response message containing response data, related to the balance data, and the merchant data.
    Type: Grant
    Filed: December 3, 2014
    Date of Patent: June 25, 2019
    Assignee: Mastercard International Incorporated
    Inventor: Ann Ehlen
  • Patent number: 10332107
    Abstract: 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). A single management interface can be utilized for viewing and updating SSH keys for applications, and SSH keys can be propagated to application servers where the SSH keys can be activated based on a scheduled time.
    Type: Grant
    Filed: September 28, 2016
    Date of Patent: June 25, 2019
    Assignee: MasterCard International Incorporated
    Inventors: Douglas Paul Forguson, Weihua Zhou, Srinivas M. Gummididala
  • Patent number: 10332146
    Abstract: Systems and methods for evaluating effectiveness of campaigns are disclosed. One exemplary method includes identifying a promotional campaign offered by a merchant during an offer period including an offer of a commodity at a predetermined price, and compiling a first set of payment accounts based on each payment account including a transaction to the merchant at the predetermined price within the offer period. The method also includes correlating the first set of payment accounts to a second set of payment accounts based on at least one identifying criteria associated with transactions to the payment accounts during a correlation period, which is different than the offer period. The method further includes generating and storing a comparison between the first set of payment accounts and the second set of payment accounts for transaction data during the offer period, to thereby indicate an effectiveness of the campaign.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rohit Chauhan
  • Patent number: 10332088
    Abstract: A system and a method for determining when a predetermined number of a specific product or of a type of product has been sold so that an alert can be generated when the number sold exceeds the predetermined number. Transaction rules can be set to monitor transaction data in a database to achieve this result. The transaction rules can be set for a generic product, for a specific product, or to exclude certain products. The system and the method issue an additional alert when data in a database indicates that the number of a specific product or of a type of product being sold in a selected time frame is below the selected predetermined number or another selected predetermined, for a selected period of time.
    Type: Grant
    Filed: August 1, 2012
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Peter Groarke
  • Patent number: 10332177
    Abstract: A method and a system are provided for detecting pricing driven by browser settings. A method and a system are also provided for identifying merchants that are using browser-driven or cookie-driven price setting mechanisms, and for helping shoppers obtain the lowest available price for a product or service. A computer system-implemented method includes utilizing a webcrawler program or other searching program to access one or more merchant websites and recover pricing and/or other product or service information, identifying one or more browser settings that minimize price of a product or a service, accessing the one or more merchant websites with a computer device having the one or more browser settings that minimize price of the product or service, and purchasing the product or service at the minimized price. The computer system-implemented method can also utilize a central hub that connects multiple computer devices together.
    Type: Grant
    Filed: April 29, 2015
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Patent number: 10331507
    Abstract: A method of evaluating real-time computer faults and using a fault evaluation (FE) platform is provided. The method includes ingesting log data associated with a computer system, the log data includes a plurality of fault events, a fault severity identifier associated with at least one fault event of the plurality of fault events. The method also includes selecting, from the plurality of fault events, a fault event set which corresponds to a time window and includes the at least one fault event. The method further includes generating a fault score for the at least one fault event and an aggregate fault score. The method also includes determining that the aggregate fault score exceeds a predefined threshold, and providing, to a configuration management platform, instructions to initiate a hardware component remediation process.
    Type: Grant
    Filed: December 21, 2016
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Aaron Braundmeier, Brian Marsh
  • Patent number: 10331536
    Abstract: Systems and methods for use in evaluating health associated with one or more applications are disclosed. One exemplary method includes exposing, by a computing device, an application programming interface (API) where the API defines a standard form associated with health indicator packets, and receiving, at the computing device, via the API, a health indicator packet for a health indicator from at least one application where the health indicator packet conforms to the standard form and including a value for the health indicator for the at least one application. The method also includes causing an interface to be displayed to a user where the interface includes a visual effect representative of the value, whereby the user is able to assess health of the application, at least in part based on the value, by viewing the interface.
    Type: Grant
    Filed: August 12, 2016
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Proctor, William Watson
  • Patent number: 10332082
    Abstract: 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.
    Type: Grant
    Filed: July 19, 2016
    Date of Patent: June 25, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: AnShul Pandey
  • Publication number: 20190188707
    Abstract: The present invention relates to the field of electronic transactions, and provides methods and systems for reducing user interventions necessary for authentication of transactions. In an embodiment the invention implements an authentication server configured to receive from a terminal device an electronic payment transaction request and device IDs corresponding to devices having wireless communication capability that are detected within a wireless communication range of the terminal device. The authentication server selects a payment account for implementing the requested electronic payment transaction, wherein selection of the payment account is based on a determination that one or more of the device IDs received from the terminal device are associated with the identified payment account, and thereafter generates a payment transaction authentication decision.
    Type: Application
    Filed: December 14, 2018
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Ankur Arora, Amit Gupta, Shashank Kumar Trivedi
  • Publication number: 20190188715
    Abstract: A system and computer-implemented method for processing CNP transactions using a 3DS protocol, and protecting against fraud by requiring and validating merchant (or acquirer) and card issuer operator IDs prior to authorization. Operator IDs may be obtained by completing a compliance test and enrolling in a compliance program. When an AREQ is received from a merchant (or acquirer), the presence and validity of the merchant's unique operator ID is checked. The AREQ may be sent to a corresponding card issuer depending on, e.g., whether the merchant's unique Operator ID is confirmed. When an ARES is received from the card issuer, the presence and validity of the card issuer's unique operator ID is checked. The ARES may be sent to the merchant depending on, e.g., whether the card issuer's unique Operator ID is confirmed.
    Type: Application
    Filed: December 14, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Mark B. Hey, Bheemeswara Ankathi
  • Publication number: 20190188710
    Abstract: A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data.
    Type: Application
    Filed: December 18, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Shreya MITTAL, Nishant MAHESHWARI, Ankur ARORA
  • Publication number: 20190188423
    Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip readers are identified, and for each unique chip reader a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip reader is identified as defective. Each defective chip reader is reported to the merchant, along with at least a recommendation to replace the defective chip reader. A similar process may be used to identify defective chip cards.
    Type: Application
    Filed: December 15, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally
  • Publication number: 20190188718
    Abstract: 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. An issuer server receives from the owner approval for one of the set of provider recommendations and determining purchase parameters for that provider recommendation and determines whether the purchase parameters for the transaction match the purchase parameters for the provider recommendation; whereby the transaction is not authorised if the purchase parameters do not match and will not be rejected by the payment control system if the parameters do match.
    Type: Application
    Filed: February 15, 2019
    Publication date: June 20, 2019
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Michael Clay ATKINS
  • Publication number: 20190188803
    Abstract: A method for aggregating entity transaction data across multiple transaction accounts includes: storing a plurality of entity profiles, wherein each entity profile is associated with an entity including a unique entity identifier and a plurality of transaction data entries, each transaction data entry including transaction data associated with a payment transaction involving one of a plurality of transaction accounts associated with the associated entity; receiving transaction data for a processed payment transaction, wherein the transaction data includes a specific unique entity identifier associated with an entity involved in the processed payment transaction and a separate account identifier associated with a transaction account used to fund the processed payment transaction; identifying a specific entity profile where the included unique entity identifier corresponds to the specific unique entity identifier; and storing, in the identified specific entity profile, the received transaction data.
    Type: Application
    Filed: February 26, 2019
    Publication date: June 20, 2019
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ina GOLDBERG, Steven Joel JONAS, Matthew ALCURI
  • Publication number: 20190188789
    Abstract: A method for servicing a co-funded installment includes: storing agreement data entries, each related to a co-funding agreement and including a merchant identifier, acquirer identifier, and one or more installment parameters; receiving a transaction message for a payment transaction, the transaction message including a specific merchant identifier, a specific acquirer identifier, and transaction data; identifying at least one agreement data entry where the included merchant identifier corresponds to the specific merchant identifier and where the included acquirer identifier corresponds to the specific acquirer identifier; identifying a plurality of installment terms based on the transaction data and the one or more installment parameters included in one of the at least one identified agreement data entries; and transmitting the identified plurality of installment terms.
    Type: Application
    Filed: December 19, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Dominique STEENBEEK, Gregory James BARRETT, Anushree Ashutosh PRABHUNE
  • Publication number: 20190188704
    Abstract: A method for processing a trust-based transaction via a blockchain includes: receiving data associated with a proposed trust-based transaction including at least a transaction amount, payment data, and a broker identifier; processing payment for the transaction amount using the payment data; identifying a blockchain address associated with a broker corresponding to the broker identifier; generating a digital token, wherein the digital token is unique to the proposed trust-based transaction; electronically transmitting the generated digital token to a first computing device; and electronically transmitting at least the transaction amount, blockchain address, and at least one of: the generated digital token and data used to generate the generated digital token to a node associated with a blockchain network.
    Type: Application
    Filed: December 20, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Lauren GRENDON, Mamadou Alpha BARRY, Edgar MARQUES, Julie Eloge EBOUTOU, Valerie GANN
  • Publication number: 20190190907
    Abstract: A system and computer-implemented method for client identification and verification includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive merchant identification data corresponding to a merchant. The merchant identification data includes identification data relating to the identity of the merchant and a primary authorized user for the merchant. The processor is also programmed to generate a merchant profile from the merchant identification data for the merchant, and generate an activation code for the primary authorized user based on the merchant profile. The activation code is transmitted to the primary authorized user. The processor receives, from the primary authorized user, one or more biometrics of the authorized user, validates the biometrics of the authorized user, and upon validation of the biometrics, activates a merchant account.
    Type: Application
    Filed: December 18, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Sheila R. Panus, Steve Podgorski, Sameer Tare, Suman Rausaria, Eric R. Kitchen
  • Publication number: 20190188422
    Abstract: A system and computer-implemented method for analyzing chip card transactions to identify defective chip cards and/or defective chip readers in need of replacement. Constraints are established to define a subset of card transactions. From a full set of card transactions the subset is identified consisting of each card transaction falling within the constraints and occurring at a merchant having a chip reader. From this subset the unique chip cards are identified, and for each unique chip card a percentage of fallback transactions is calculated. The percentage of fallback transactions is compared to a maximum value, and if the percentage of fallback transactions exceeds the maximum value, the chip card is identified as defective. Each defective chip card is reported to the card issuer, along with at least a recommendation to replace the defective chip card. A similar process may be used to identify defective chip readers of particular merchants.
    Type: Application
    Filed: December 15, 2017
    Publication date: June 20, 2019
    Applicant: Mastercard International Incorporated
    Inventors: Christopher John Merz, Matthew Scott Morice, Ravi Santosh Arvapally