Patents by Inventor Justin X. Howe

Justin X. Howe 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).

  • Publication number: 20150302522
    Abstract: Processor-executable methods, computing systems, and related processing for the creation, transaction, administration, management and communication of data relating to weather-related guarantees or insurance policies on travel related expenditures made over a payment card system for protecting against loss of value, or otherwise agreed upon conditions, relating to unpredictable weather or other natural phenomenon.
    Type: Application
    Filed: April 17, 2014
    Publication date: October 22, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20150213464
    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: Application
    Filed: January 28, 2014
    Publication date: July 30, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20150142651
    Abstract: The present disclosure provides internet service provider (ISP) authentication of eCommerce transactions, more particularly, a method and system of associating an ISP recognition identification (ID) with a cashless payment account. A system, method, and software product are provided for fraud prevention in the field of cashless payment account transactions. A computing device receives details of completed eCommerce payment transactions. A number of ISP recognition IDs are also received indicating merchant URLs of personal computing devices. A computing device then flags all received ISP recognition IDs for a time period surrounding the completed eCommerce payment transactions, and defines sets of flagged ISP recognition IDs. The sets of flagged ISP recognition IDs are then compared in generating candidate ISP recognition IDs (i.e., ISP subscriber lines), which are associated with each cashless payment account.
    Type: Application
    Filed: November 20, 2013
    Publication date: May 21, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20150120521
    Abstract: The present disclosure relates to a method and a system for generating social graphs using payment card transaction data. The method involves retrieving, by a financial transaction processing entity, information from one or more databases. The information includes purchasing and payment activities attributable to payment cardholders. The information is analyzed to determine coincident purchasing and payment transaction information of the payment cardholders. The coincident purchasing and payment transaction information is then analyzed to determine social relationships of the payment cardholders. One or more social graphs are generated based on the social relationships of the payment cardholders. The social graphs comprise multi-node graphs having edges or connectors linking the nodes. The payment cardholders are represented by the nodes. A social relationship between the payment cardholders is represented by the edges or connectors linking the nodes.
    Type: Application
    Filed: October 25, 2013
    Publication date: April 30, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20150113024
    Abstract: The present disclosure provides a method and a system for generating social graphs using coincident geolocation data. In particular, a method is provided in which an entity retrieves information from one or more databases. The information includes geolocation data for a plurality of entities generated over a predetermined period of time. The information is analyzed to determine coincident geolocation information of the entities. The coincident geolocation information is then analyzed to determine social relationships of the entities. One or more social graphs are then generated based on the social relationships of the entities. The social graphs comprise multi-node graphs having edges or connectors linking the nodes. The entities are represented by the nodes. A social relationship between the entities is represented by the edges or connectors linking the nodes. The attributes of the edges or connectors are based upon information describing a characteristic of the relationship.
    Type: Application
    Filed: October 17, 2013
    Publication date: April 23, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20150058088
    Abstract: A method for identifying a merchant trade area, includes: receiving a trade area request, the request identifying a merchant; storing a plurality of consumer location data entries, each entry including data related to a consumer involved in one or more payment transactions with the merchant, including a geographic location associated with the related consumer; identifying a geographic location associated with the merchant; identifying at least one geographic deviation metric based on the geographic location associated with the related consumer included in each entry of the plurality of consumer location data entries; identifying a merchant trade area based on the geographic location associated with the merchant and the identified at least one geographic deviation metric; and transmitting the identified merchant trade area in response to the received trade area request.
    Type: Application
    Filed: August 22, 2013
    Publication date: February 26, 2015
    Applicant: MasterCard International Incorporated
    Inventors: Kenneth UNSER, Po Hu, Justin X. Howe
  • Publication number: 20150052005
    Abstract: Methods for identification by a payment cardholder of phishing and/or deceptive Websites (e.g., merchant Websites and financial institution Websites) are provided. In particular, a method involves initiating a proxy interaction of a payment cardholder computer system executing a browser application with an item of content associated with the merchant Website, and communicating with a payment card network connected to the merchant Website. The proxy interaction is used to determine whether the merchant Website is registered with the payment card network.
    Type: Application
    Filed: August 15, 2013
    Publication date: February 19, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20150052053
    Abstract: A system for identification by a payment cardholder of phishing and/or deceptive Websites is provided. The system includes an electronic storage device having a database of merchant or financial institution Website registration with a payment card network information stored therein. The system includes an access path for allowing access to the merchant or financial institution Website registration with a payment card network information. The system includes a processor for assembling the merchant or financial institution Website registration with a payment card network information in the database, and for communicating the assembled merchant or financial institution Website registration with a payment card network information to a payment cardholder that has been granted access to the database.
    Type: Application
    Filed: August 15, 2013
    Publication date: February 19, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20140337062
    Abstract: A system, method, and computer-readable storage medium configured to process cross-border transactions involving payment cards.
    Type: Application
    Filed: May 9, 2013
    Publication date: November 13, 2014
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Justin X. Howe
  • Publication number: 20140337217
    Abstract: A system, method, and computer-readable storage medium configured to process cross-border transactions involving payment cards.
    Type: Application
    Filed: July 31, 2013
    Publication date: November 13, 2014
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Justin X. Howe, Christine Ann Brundage
  • Publication number: 20130290119
    Abstract: A method for providing registrationless payment card security for a payment network that includes maintaining a list of anonymous mobile telephone numbers, which correspond to personal payment card account numbers (PAN). When a card-present authorization for a listed PAN is received, the payment network requests the geolocation of the cell phone of the card holder in real time from the mobile network operator. The mobile network operator determines the geolocation of the cell phone and transmits it to the payment network. The payment network compares the geolocation of the cell phone with the geolocation of the merchant to confirm that the card holder is present at the location of the transaction.
    Type: Application
    Filed: April 27, 2012
    Publication date: October 31, 2013
    Applicant: MASTERCARD INTERNATIONAL, INC.
    Inventors: Justin X. Howe, Randall K. Shuken