Patents by Inventor Pedro J. CHAVARRIA
Pedro J. CHAVARRIA 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: 10600054Abstract: 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. The social media location data indicates a location of the cardholder at a particular time. The method also includes calculating a distance between the merchant location and the location of the cardholder indicated by the social media location data, and a time between the transaction timestamp and the particular time associated with the social media location data.Type: GrantFiled: October 31, 2016Date of Patent: March 24, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sharath Sahadevan, Kristofer D. Perez, Pedro J. Chavarria
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Publication number: 20170046710Abstract: 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. The social media location data indicates a location of the cardholder at a particular time. The method also includes calculating a distance between the merchant location and the location of the cardholder indicated by the social media location data, and a time between the transaction timestamp and the particular time associated with the social media location data.Type: ApplicationFiled: October 31, 2016Publication date: February 16, 2017Inventors: Sharath Sahadevan, Kristofer D. Perez, Pedro J. Chavarria
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Patent number: 9483765Abstract: 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. The social media location data indicates a location of the cardholder at a particular time. The method also includes calculating a distance between the merchant location and the location of the cardholder indicated by the social media location data, and a time between the transaction timestamp and the particular time associated with the social media location data.Type: GrantFiled: December 9, 2013Date of Patent: November 1, 2016Assignee: MasterCard International IncorporatedInventors: Sharath Sahadevan, Kristofer D. Perez, Pedro J. Chavarria
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Publication number: 20160148256Abstract: A computer-implemented method for recommending vacation options based on transaction data is implemented by a vacation recommendation computer device in communication with a memory. The method includes receiving a plurality of transaction data associated with a cardholder, processing the plurality of transaction data to determine a plurality of cardholder vacation characteristics, receiving a plurality of vacation options including at least one vacation attribute, identifying at least one vacation option responsive to the cardholder by comparing the plurality of cardholder vacation characteristics to the at least one vacation attribute, and recommending the at least one identified vacation option to the cardholder.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
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Publication number: 20160148257Abstract: A computer-implemented method for recommending vacation options based on historical vacation data is implemented by a vacation recommendation computer device.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
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Publication number: 20160027127Abstract: A computer-implemented method for inferring a taxpayer location from transaction data is implemented by a computing device coupled to a memory. The method includes receiving, by the computing device, a travel report request message including a payment card identifier associated with a taxpayer and a report date, retrieving, by the computing device, transaction data for a payment card associated with the payment card identifier and the report date, the transaction data including merchant location data associated with a merchant zip code, inferring a location of the taxpayer using the merchant location and the report date, comparing the inferred location with a plurality of tax zones stored in the memory to determine a specific tax zone of the plurality of tax zones associated with the inferred location of the taxpayer, and providing a travel report to the taxpayer, wherein the travel report includes the inferred location for the report date and the tax zone associated with the inferred location.Type: ApplicationFiled: July 28, 2014Publication date: January 28, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
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Patent number: 9245277Abstract: A computer implemented method for categorizing neighborhoods based on cardholder transactions is provided. The method is implemented using a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions from a plurality of cardholders, generating a list of cardholders based on the plurality of payment transactions, determining one or more life stage segments for each cardholder based on the plurality of payment transactions, determining one or more geographic regions based in part on the plurality of payment transactions where each geographic region contains a plurality of cardholders, determining a lifestyle category for at least one geographic region of the one or more geographic regions based on the one or more life stage segments of each of the cardholders associated with the corresponding geographic region, and providing a lifestyle report for the at least one geographic region.Type: GrantFiled: July 7, 2014Date of Patent: January 26, 2016Assignee: MasterCard International IncorporatedInventors: Pedro J. Chavarria, Kristofer Perez
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Publication number: 20160005061Abstract: A computer implemented method for categorizing neighborhoods based on cardholder transactions is provided. The method is implemented using a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions from a plurality of cardholders, generating a list of cardholders based on the plurality of payment transactions, determining one or more life stage segments for each cardholder based on the plurality of payment transactions, determining one or more geographic regions based in part on the plurality of payment transactions where each geographic region contains a plurality of cardholders, determining a lifestyle category for at least one geographic region of the one or more geographic regions based on the one or more life stage segments of each of the cardholders associated with the corresponding geographic region, and providing a lifestyle report for the at least one geographic region.Type: ApplicationFiled: July 7, 2014Publication date: January 7, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
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Publication number: 20150363785Abstract: A computer-based method for consumer authentication of payment card transactions using behavioral biometrics uses a computer device including a processor and a memory. The method includes identifying behavioral biometric profile data of an approved cardholder that is approved to use a payment card issued by an issuer. The method also includes receiving behavioral biometric sample data of a suspect consumer collected during a payment card transaction in which the suspect consumer presents the payment card for use. The method further includes comparing the behavioral biometric sample data of the suspect consumer to the behavioral biometric profile data of the approved cardholder. The method also includes computing an authentication value based at least in part on the comparing. The method further includes authenticating the suspect consumer as the approved cardholder based at least in part on the authentication value.Type: ApplicationFiled: June 12, 2014Publication date: December 17, 2015Inventors: Kristofer Perez, Pedro J. Chavarria
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Publication number: 20150235217Abstract: A system, method, and computer-readable storage medium configured to use cardholder photos captured at the time of purchase as a factor in fraud determination. Baseline cardholder photos may be submitted directly or via a social network.Type: ApplicationFiled: February 18, 2014Publication date: August 20, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kristofer PEREZ, Pedro J. CHAVARRIA
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Publication number: 20150198446Abstract: A system, method, and computer-readable storage medium configured to locate an automated teller machine (ATM) or indicate payment card acceptance by a vendor using augmented reality.Type: ApplicationFiled: January 15, 2014Publication date: July 16, 2015Applicant: Mastercard International IncorporatedInventors: Kristofer PEREZ, Pedro J. Chavarria
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Publication number: 20150170182Abstract: A product identifier and cardholder identifier are received, specifying a product and cardholder. Computer database(s) are accessed to retrieve, based on the cardholder identifier, data pertaining to rewards card(s) owned by the cardholder. Reward parameter(s) are associated with each rewards card. The database(s) is accessed to identify, based on the product identifier, merchant identifiers corresponding to merchants offering the product and corresponding price data. At one or more computer processors, for each rewards card and each merchant, a first amount of rewards is computed, which is an amount of rewards that the cardholder will earn by completing a transaction for the product with said merchant using said rewards card, wherein the rewards amount is computed based on at least the reward parameters associated with said rewards card and the offer price corresponding to said merchant. The first rewards amounts corresponding to respective rewards cards and to respective merchants are displayed.Type: ApplicationFiled: December 13, 2013Publication date: June 18, 2015Applicant: MasterCard International IncorporatedInventors: Kristofer Perez, Pedro J. Chavarria, Michael Zhao
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Publication number: 20150161610Abstract: 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. The social media location data indicates a location of the cardholder at a particular time. The method also includes calculating a distance between the merchant location and the location of the cardholder indicated by the social media location data, and a time between the transaction timestamp and the particular time associated with the social media location data.Type: ApplicationFiled: December 9, 2013Publication date: June 11, 2015Applicant: MasterCard International IncorporatedInventors: Sharath Sahadevan, Kristofer D. Perez, Pedro J. Chavarria
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Publication number: 20150134438Abstract: An indication is received of a transaction between a cardholder and a merchant, wherein a card is used by the cardholder for the transaction, and the card is an instance of one of a plurality of card products available from respective ones of a plurality of card issuers. From a computer database that has stored therein a set of one or more reward parameters associated with each card product, a selected set of reward parameters associated with said one card product is retrieved. An amount and a merchant identifier are determined for the transaction. At one or more computer processors, an estimate of rewards earned due to the transaction is generated, wherein the estimate is generated prior to a clearance of the card transaction and is based on at least the amount and the retrieved set of reward parameters.Type: ApplicationFiled: November 13, 2013Publication date: May 14, 2015Applicant: MasterCard International IncorporatedInventors: Pedro J. Chavarria, Kristofer Perez
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Publication number: 20150127535Abstract: A social media location posting system a payment card transaction authorization processor and a location posting service processor. The payment card transaction authorization processor is configured to receive over a network a payment card transaction authorization request for a cardholder and store in a computer storage file associated with the cardholder payment card transaction data included in the authorization request. The location service processor is configured to post over the network at least a portion the payment card transaction data stored in the file associated with the cardholder to a social media site associated with the cardholder.Type: ApplicationFiled: November 4, 2013Publication date: May 7, 2015Applicant: MASTERCARD INTERNATIONAL CORPORATIONInventors: Pedro J. CHAVARRIA, David WEIS