Patents Assigned to Mastercard International Incorporated
  • Publication number: 20200250666
    Abstract: A method for generating a high assurance payment token, includes: receiving an EMV cryptogram and verification data; validating the EMV cryptogram; and generating a high assurance payment token.
    Type: Application
    Filed: February 6, 2020
    Publication date: August 6, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Abu CARRI
  • Publication number: 20200250653
    Abstract: A first data processing apparatus comprising: communication circuitry configured to transmit data to or receive data from a second data processing apparatus using electromagnetic induction when the first data processing apparatus is brought into proximity to the second data processing apparatus; a storage medium; and processing circuitry configured: to control the communication circuitry to transmit first data indicative of a user of the first data processing apparatus to the second data processing apparatus; to control the communication circuitry to transmit second data to or receive second data from the second data processing apparatus, the transmission or reception of the second data occurring in response to the completion of a predetermined data processing event; to control the communication circuitry to receive third data from the second data processing apparatus, the third data being received in response to the completion of the predetermined data processing event and being digitally signed by the secon
    Type: Application
    Filed: January 24, 2020
    Publication date: August 6, 2020
    Applicant: Mastercard International Incorporated
    Inventors: David Anthony Roberts, Joseph Pitcher
  • Publication number: 20200250674
    Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.
    Type: Application
    Filed: April 23, 2020
    Publication date: August 6, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rohit MODI, Ashutosh GUPTA, Dinesh Kumar LAL
  • Publication number: 20200252216
    Abstract: A method for providing additional security for a blockchain wallet through the use of a dynamic pseudo key confirmed through digit positioning includes: storing digit pairs, each including a predefined value and a character position; receiving a dynamic pseudo key and transaction information, where the key includes characters in set positions and the transaction information includes a destination address and data value; validating that the dynamic pseudo key has not been used for a prior blockchain transaction; validating that the characters in set positions in the dynamic pseudo key includes the predefined value in the corresponding character position for each of the digit pairs; generating a digital signature using a private key after successful validation of the dynamic pseudo key; and transmitting the digital signature and transaction information to a node in a blockchain network associated with a blockchain.
    Type: Application
    Filed: February 4, 2019
    Publication date: August 6, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Madhavi Sharma, Chandan Garg, Jaipal Singh Kumawat
  • Patent number: 10733559
    Abstract: A chargeback analytics computing device for generating chargeback analytics associated with service chargebacks is provided. The chargeback analytics computing device is configured to retrieve transaction data for a merchant, the transaction data associated with transactions initiated at the merchant, and extract chargeback data from the transaction data, the chargeback data associated with chargeback transactions. The chargeback analytics computing device also parses the chargeback data to identify a chargeback reason code associated with each chargeback transaction. Based upon the chargeback reason codes, the chargeback analytics computing device isolates a fraud-related portion and a non-fraud-related portion of the chargeback data, and extracts a service subset of the non-fraud-related portion associated with service chargeback transactions, wherein a service chargeback transaction is initiated by a cardholder having an unsatisfactory experience with the merchant.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kyle Williams, David J. Senci, John Larko
  • Patent number: 10733600
    Abstract: A method of effecting an electronic transaction is described. The method includes receiving, through a merchant aggregator platform, a selection of one or more articles from a plurality of articles offered for purchase by a plurality of merchants on the merchant aggregator platform, wherein the platform is hosted by a merchant acquirer. Payment vehicle credentials of a payment vehicle are then passed to a payment gateway, and a vehicle representative (VR) is created at the payment gateway and associated with one or more credentials of the payment vehicle, the VR being usable by the merchant aggregator platform, in place of the one or more credentials, but from which the one or more credentials are indeterminable. The VR is then provided to the merchant aggregator platform through which a purchase request is received to confirm that the one or more articles have been purchased.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Benjamin Charles Gilbey, Vijin Venugopalan, Joseph Hayes
  • Patent number: 10735580
    Abstract: A system including a mobile device, a user of the mobile device, a computer system having a telecommunication module for telephonically communicating with the mobile device, a user of the computer system, and a security server is provided. Also provided is a method, at a mobile device, of authenticating a user of the mobile device during a telephone call having the steps of obtaining a user authentication input, obtaining validation of the user authentication input, initiating a telephone call with, or receiving a telephone call from, the computer system, and if the user authentication input is successfully validated, sending a token generated for the telephone call with the computer system via data-over-voice frequency signaling during the telephone call thereby providing an indication that the user authentication input has been successfully validated to the computer system.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Francesco Gallo
  • Patent number: 10733618
    Abstract: A device profiling computer system for determining and analyzing characteristics of devices used in payment transactions includes a processor, a device profiling database in communication with the processor, and a memory coupled to the processor. The device profiling computer system is configured to receive a set of first transaction data associated with a first transaction initiated by a cardholder at an online merchant wherein the cardholder initiates the first transaction using a cardholder computing device and wherein the set of first transaction data includes a set of first device characteristic data related to the cardholder computing device, analyze the set of first transaction data to determine a set of device characteristics, and update a device record stored in a device profiling database with the set of first transaction data wherein the device record is associated with the set of device characteristics.
    Type: Grant
    Filed: January 28, 2014
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Patent number: 10733611
    Abstract: Embodiments of the disclosure enable a merchant system to locally process one or more financial transactions at the merchant system. The merchant system receives a payment request associated with a financial transaction, determines a network communication status associated with a network interface device coupleable to a payment processing network, and, on condition that the network communication status does not satisfy a network communication threshold, obtains an account threshold associated with a cardholder account, generates transaction data associated with the financial transaction based on the account threshold, presents an indication associated with the financial transaction, and stores the transaction data for later transmission of the transaction data to the payment processing network. Aspects of the disclosure provide for processing one or more financial transactions at a merchant system independent of a payment processing network.
    Type: Grant
    Filed: August 2, 2016
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: John O'Neill, Jennifer Boschert, Shasidhar Vemireddy
  • Patent number: 10733550
    Abstract: A system and a method for optimizing supply of rental vehicles, comprising receiving customer data associated with a plurality of customers from a plurality of sources; classifying the customers into a plurality of segments, based on said data, each segment being indicative of vehicle rental preferences of customers in the segment; determining whether any customers have already opted for a vehicle rental; determining the destination and source location of the customer and predicting likely vehicle demand for different vehicles based on said classification and said determination.
    Type: Grant
    Filed: August 14, 2017
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Sourabh Kumar Maheshwari, Ankur Arora, Jaipal Singh Kumawat, Teja Chebrole, Shweta Khattar
  • Patent number: 10735371
    Abstract: A network management (NM) computing system generates a first work zone associated with a first remote network and a second work zone associated with a second remote network. Each work zone includes a respective virtual firewall and a respective virtual jump host. The NM computing system establishes a first and second communication path between the first virtual jump host and the first remote network via a multiprotocol layer switching network system, receives a data packet including a firewall identifier associated with the first virtual firewall and a local address associated with a destination device within the first remote network, routes the data packet through the first firewall to the first virtual jump host based on the firewall identifier, and transmits, by the first virtual jump host, the data packet to the first remote network using the first communication path and/or the second communication path.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Richard J. Berhorst, II
  • Patent number: 10733302
    Abstract: Vulnerability data is classified as described herein. A finding object is created based on vulnerability data associated with a vulnerability finding and that finding object is populated with property values based on the vulnerability data. Technical owner rules associated with a plurality of technical owners are evaluated based on the property values of the finding object and a technical owner is assigned to the finding object based on the evaluated technical owner rules. Once a technical owner is assigned, the finding object is provided to a governance, risk, and compliance (GRC) module for distribution of the vulnerability finding to the assigned technical owner for remediation. Classification of vulnerability data using the described property values and technical owner rules provides an efficient, accurate, and automated way of distributing vulnerability findings of large, complex code bases to teams for remediation.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: August 4, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Eric Gunn, Martin Gonzalo Enriquez
  • Publication number: 20200244654
    Abstract: A method for using the active connection of connected devices for additional security in the conveyance of sensitive data from a computing device includes: storing sensitive data; storing one or more device identifiers, wherein each device identifier is associated with a connected device separate from the computing device; receiving a user instruction requesting use of the sensitive data; detecting one or more active communication channels between the computing device and external connected devices; identifying, for each of the detected one or more active communication channels, a device identifier associated with the respective external connected device; verifying that at least one of the identified device identifiers is included in the one or more stored device identifiers; and transmitting the sensitive data after the verification.
    Type: Application
    Filed: January 29, 2019
    Publication date: July 30, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Nishant Maheshwari, Shreya Mittal, Shubham Bijawat
  • Publication number: 20200244634
    Abstract: A method for privacy control in release of protected information includes: receiving, from a first system, a decryption key, request identifier, and a payload identifier by a second system; storing, in the second system, a blockchain comprised of blockchain data values, each blockchain data value including a registration identifier and encrypted data set; identifying, by the second system, a specific blockchain data value where the registration identifier matches the payload identifier; decrypting, by the second system, the encrypted data set in the specific blockchain data value using the decryption key; and transmitting, by the second system, the decrypted data set to a third system using the request identifier.
    Type: Application
    Filed: January 29, 2019
    Publication date: July 30, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Alonzo Benavides, Ian Major, Prem Chander Rajamohan, Thomas Hansen, Duygu Gün
  • Publication number: 20200242617
    Abstract: Embodiments provide a method for performing a payment transaction at a merchant facility. The method includes receiving a connectivity request from an electronic payment card associated with a cardholder at a merchant networking device associated with a merchant. The method includes facilitating pairing of the electronic payment card with the merchant networking device. The method also includes upon pairing, pushing payment related information of the merchant to the electronic payment card. The method further includes receiving a payment transaction request for a payment transaction from the electronic payment card at the merchant networking device. The payment transaction request includes at least a payment card information of the electronic payment card of the cardholder and a transaction amount to be paid to an acquirer account from an issuer account of the cardholder. The method includes facilitating processing of the payment transaction based on the payment transaction request.
    Type: Application
    Filed: January 23, 2020
    Publication date: July 30, 2020
    Applicant: Mastercard International Incorporated
    Inventors: Rajeev Kumar, Vivek Dudani
  • Publication number: 20200244642
    Abstract: A method for validating a message recipient includes: storing, in a memory of a processing server, a device profile, wherein the device profile is related to a mobile computing device and includes at least a device identifier, and token validation data; receiving, by a receiver of the processing server, a data signal from an external system that is encoded with a message packet, wherein the message packet includes at least the device identifier, a device token, and a content message; validating, by a processing device of the processing server, the device token using at least the token validation data; and electronically transmitting, by a transmitter of the processing server, the content message to the mobile computing device.
    Type: Application
    Filed: January 29, 2019
    Publication date: July 30, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ankur Arora, Rakesh Patel, Shashank Kumar Trivedi
  • Patent number: 10726429
    Abstract: A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associa
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: July 28, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Serge Bernard, Nikhil Malgatti
  • Publication number: 20200234257
    Abstract: A method for propagating survival of cryptographic currency after inactivity over a predetermined period of time in a blockchain through the use of smart contracts includes: receiving a propagation request that includes unspent transaction output addresses, a digital signature, and a recipient address; generating a smart contract that is configured to self-execute after a predetermined period of time to initiate transfer of cryptographic currency from the output addresses to the recipient address; submitting the smart contract to a node in a blockchain network for addition to the blockchain; monitoring for new blockchain transactions involving any of the unspent transaction output addresses; generating a new smart contract to update the unspent transaction output addresses based on new blockchain transactions; and submitting the new smart contract to a node in a blockchain network after updating.
    Type: Application
    Filed: January 17, 2019
    Publication date: July 23, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Aishwarya Mallik, Alok Kumar Dwivedi, Chandan Garg
  • Publication number: 20200235911
    Abstract: A method for maintaining state and event information for all of a user's devices associated in a common location using a blockchain where each block includes an event block and a device block within it, where each event and device block refers to an earlier block of the respective type, resulting in a blockchain-in-a-blockchain architecture. The device and event blocks store data regarding each device associated with a user and events related to the devices/user, respectively. Any time a new event occurs, or a device is registered or removed, a new set of blocks is created, where submissions regarding device changes or events can be made by any participant due to the decentralized and public nature of a blockchain. The result is a system where all data regarding a user's registered devices and events is kept in a common location in a manner that is auditable and verifiable.
    Type: Application
    Filed: January 22, 2019
    Publication date: July 23, 2020
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ilgin Safak, Ramanan Rajapreyar, Niravkumar Pandya, Olutoyin Oduwole
  • Publication number: 20200234269
    Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.
    Type: Application
    Filed: January 18, 2019
    Publication date: July 23, 2020
    Applicant: Mastercard International Incorporated
    Inventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar