Patents by Inventor Cindi Pitz
Cindi Pitz has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11361318Abstract: 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, byType: GrantFiled: January 3, 2020Date of Patent: June 14, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cindi Pitz, Roopa Vaidya, Michael Cardamone
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Patent number: 10650383Abstract: 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.Type: GrantFiled: December 29, 2015Date of Patent: May 12, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Roopa Vaidya, Michael Cardamone, Cindi Pitz
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Publication number: 20200143374Abstract: 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, byType: ApplicationFiled: January 3, 2020Publication date: May 7, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cindi PITZ, Roopa VAIDYA, Michael CARDAMONE
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Patent number: 10565589Abstract: 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, byType: GrantFiled: June 14, 2016Date of Patent: February 18, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cindi Pitz, Roopa Vaidya, Michael Cardamone
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Patent number: 10417638Abstract: 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.Type: GrantFiled: June 14, 2016Date of Patent: September 17, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cindi Pitz, Roopa Vaidya, Michael Cardamone
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Patent number: 10102537Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.Type: GrantFiled: August 25, 2014Date of Patent: October 16, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cindi Pitz, Roopa A. Vaidya
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Publication number: 20170357971Abstract: 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, byType: ApplicationFiled: June 14, 2016Publication date: December 14, 2017Applicant: MasterCard International IncorporatedInventors: Cindi PITZ, Roopa VAIDYA, Michael CARDAMONE
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Publication number: 20170357977Abstract: 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.Type: ApplicationFiled: June 14, 2016Publication date: December 14, 2017Applicant: MasterCard International IncorporatedInventors: Cindi PITZ, Roopa VAIDYA, Michael CARDAMONE
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Publication number: 20170193484Abstract: 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. The transaction information may be analyzed in substantially real time in accordance with at least one potential transaction rule associated with the cardholder. Based on the segmentation category and the analysis of the transaction information, a recommended account linked to the multi-account payment identifier may be determined, and it may be arranged for a recommendation message, including an indication of the recommended account, to be transmitted to the cardholder in substantially real time.Type: ApplicationFiled: December 31, 2015Publication date: July 6, 2017Inventors: Cindi Pitz, David Weis, Christopher Bracconeri
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Publication number: 20170186005Abstract: 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.Type: ApplicationFiled: December 29, 2015Publication date: June 29, 2017Applicant: MasterCard International IncorporatedInventors: Roopa Vaidya, Michael Cardamone, Cindi Pitz
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Publication number: 20160055502Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.Type: ApplicationFiled: August 25, 2014Publication date: February 25, 2016Inventors: Cindi Pitz, Roopa A. Vaidya