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11. 发明申请

US20150026070A1 SYSTEMS AND METHODS FOR CORRELATING CARDHOLDER IDENTITY ATTRIBUTES ON A PAYMENT CARD NETWORK TO DETERMINE PAYMENT CARD FRAUD 审中-公开
标题翻译：用于支付卡片网络上的卡片身份属性的系统和方法来确定付款卡片欺诈
公开(公告)号：US20150026070A1
公开(公告)日：2015-01-22
申请号：US13943461
申请日：2013-07-16
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Mark B. Wiesman , John Delton Chisholm , Ishfaq A. Lone
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/34
CPC分类号： G06Q20/4016 , G06Q20/34 , G06Q20/382 , G06Q20/3827 , G06Q20/4014
摘要： A method and system for correlating cardholder identity attributes on a payment card interchange network using a computer device coupled to a database are provided. The method includes storing at a central store, personally identifiable information from an issuer for a plurality of payment card cardholders, the personally identifiable information encrypted to prevent payment card transaction data from being associated with the personally identifiable information, receiving, from a merchant, personally identifiable information during a payment card transaction, encrypting the received personally identifiable information, and comparing the encrypted stored personally identifiable information to the encrypted received personally identifiable information to determine a risk of fraud during the payment card transaction.
摘要翻译：提供了一种使用耦合到数据库的计算机设备来将支付卡交换网络上的持卡人身份属性相关联的方法和系统。该方法包括在中央商店存储来自多个支付卡持卡人的发行者的个人身份信息，加密的个人身份信息以防止支付卡交易数据与个人身份信息相关联，从商家接收个人身份信息在支付卡交易期间的可识别信息，加密所接收的个人身份信息，以及将加密的存储的个人身份信息与加密的接收到的个人身份信息进行比较，以确定支付卡交易期间的欺诈风险。

12. 发明授权

US11562356B2 Systems and methods for communicating liability acceptance with payment card transactions 有权
公开(公告)号：US11562356B2
公开(公告)日：2023-01-24
申请号：US16694608
申请日：2019-11-25
申请人： Mastercard International Incorporated
发明人： Theunis J. Gerber , Peter J. Groarke , Mark B. Wiesman
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q20/42
摘要： A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

13. 发明授权

US11062309B2 Systems and methods for processing off-network transaction messages 有权
公开(公告)号：US11062309B2
公开(公告)日：2021-07-13
申请号：US16048888
申请日：2018-07-30
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Frederick Michael Pacher , Mikhail Blinov , Edwin V. Diekemper , Peter J. Groarke
IPC分类号： G06Q20/40 , G06Q20/22 , G06Q20/42
摘要： A computer-implemented method for applying enrichment services hosted on a second interchange network to a payment transaction initiated over a first interchange network is provided. A transfer process module hosted on the first interchange network receives a first service request from a requestor, formatted in accordance with a first set of proprietary communications standards associated with the first payment network, and transforms the first service request to a second service request formatted in accordance with a second set of proprietary communications standards associated with the second payment network. An enrichment services computer system hosted on the second interchange network receives the second service request and generates a first service response formatted in accordance with the first set of proprietary communications standards. The first service response is transformed at the transfer process module to create a second service response formatted in accordance with the second set of proprietary communications standards.

14. 发明授权

US11057382B2 Computing devices and methods for propagating updates to user profile data 有权
公开(公告)号：US11057382B2
公开(公告)日：2021-07-06
申请号：US16170986
申请日：2018-10-25
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： John Allen , Ahmed Hosny , Peter J. Groarke
IPC分类号： H04L29/06 , G06F21/62 , G06F16/22 , G06F16/23
摘要： A data update computing device is provided. The data update computing device receives, from one of a user computing device and a first relying party computing device, a first access authorization message, wherein the first access authorization message identifies (i) a first relying party and (ii) a first user data element of the user to be shared with the first relying party. The data update computing device generates a first globally unique identifier (GUID), wherein the first GUID is uniquely associated in a first record in a GUID database table with the first user data element and the first relying party; receives an updated value of the first user data element of the user; stores the updated value of the first user data element in the first record, and flag the first record as updated in the GUID database table; and transmits the first GUID to the first relying party.

15. 发明申请

US20200090173A1 SYSTEMS AND METHODS FOR COMMUNICATING LIABILITY ACCEPTANCE WITH PAYMENT CARD TRANSACTIONS 审中-公开
公开(公告)号：US20200090173A1
公开(公告)日：2020-03-19
申请号：US16694608
申请日：2019-11-25
申请人： Mastercard International Incorporated
发明人： Theunis J. Gerber , Peter J. Groarke , Mark B. Wiesman
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q20/42
摘要： A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

16. 发明授权

US09418365B2 Systems and methods for using social network data to determine payment fraud 有权
标题翻译：使用社交网络数据确定付款欺诈的系统和方法
公开(公告)号：US09418365B2
公开(公告)日：2016-08-16
申请号：US14479718
申请日：2014-09-08
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Ahmed Hosny
IPC分类号： G06K19/02 , G06Q20/40 , G06Q50/00
CPC分类号： G06Q20/4016 , G06Q50/01
摘要： A computer-implemented method for analyzing potentially fraudulent e-commerce payment transactions utilizing social media data is provided. The method uses a fraud monitoring device in communication with a memory. The method includes receiving a request to assess the fraud risk of an online transaction initiated by a cardholder using a payment card and accessing a social media account associated with the cardholder. The social media account includes a circle of friends, where each friend in the circle of friends is associated with a social media account. The method also includes determining one or more historical transactions associated with at least one friend in the circle of friends, calculating a social risk score for the cardholder based in part on the determined one or more historical transactions, and transmitting a consolidated risk assessment of the online transaction based in part on the social risk score.
摘要翻译：提供了一种利用社交媒体数据分析潜在的欺诈性电子商务支付交易的计算机实现方法。该方法使用与存储器通信的欺诈监视设备。该方法包括接收用于评估持卡人使用支付卡发起的在线交易的欺诈风险并访问与持卡人相关联的社交媒体账户的请求。社交媒体帐户包括一圈朋友，朋友圈中的每个朋友都与社交媒体帐户相关联。该方法还包括确定与朋友圈中的至少一个朋友相关联的一个或多个历史交易，部分地基于确定的一个或多个历史交易来计算持卡人的社会风险评分，以及发送在线交易部分基于社会风险评分。

17. 发明申请

US20160203551A1 METHOD AND SYSTEM FOR USING PAYMENT TRANSACTION DATA IN LOAN SOURCING 审中-公开
标题翻译：在贷款支付中使用付款交易数据的方法和系统
公开(公告)号：US20160203551A1
公开(公告)日：2016-07-14
申请号：US14594483
申请日：2015-01-12
申请人： MasterCard International Incorporated
发明人： Ramson TUTTE , Peter J. Groarke , John McGuire
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： A method for assisting in loan brokering using transaction data includes: storing a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least an account identifier and transaction data corresponding to a plurality of payment transactions involving the related transaction account; receiving a loan request from an entity, wherein the loan request includes a specific account identifier associated with the entity and one or more requested terms; receiving a data request from a loan provider; identifying a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier; and transmitting at least the one or more requested terms included in the received loan request and the transaction data included in the identified specific account profile to the loan provider in response to the received data request.
摘要翻译：一种使用交易数据来协助贷款中介的方法包括：存储多个账户简档，其中每个账户简档包括与交易账户有关的数据，该交易账户至少包括与涉及相关交易的多个支付交易相对应的账户标识符和交易数据帐户; 从实体接收贷款请求，其中所述贷款请求包括与所述实体相关联的特定帐户标识符和一个或多个所请求的条款; 从贷款提供商接收数据请求; 识别存储在帐户数据库中的特定帐户简档，其中所包括的帐户标识符对应于特定帐户标识符; 以及响应于所接收的数据请求，至少将包括在所接收的贷款请求中的一个或多个所请求的条件和包括在所识别的特定帐户简档中的交易数据发送给贷款提供者。

18. 发明授权

US11599859B2 Method and system for dispute resolution in a public blockchain 有权
公开(公告)号：US11599859B2
公开(公告)日：2023-03-07
申请号：US17474462
申请日：2021-09-14
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Peter J. Groarke
IPC分类号： G06Q20/00 , G06Q20/06 , H04L9/32 , H04L9/30 , G06Q20/38 , H04L9/00
摘要： A method for dispute resolution for a blockchain transaction includes: receiving, by a receiver of a processing server, a blockchain transaction identifier and a dispute reason code from a first computing device of a blockchain network, the blockchain transaction identifier and the dispute reason code comprising a dispute request, the blockchain transaction identifier identifying a transaction on a blockchain; transmitting, by the receiver of a processing server, the blockchain transaction identifier and the dispute reason code to a processing device of the processing server; identifying, by the processing device of the processing server, the transaction, a merchant blockchain address, and a currency amount within a blockchain data value of the blockchain based on the blockchain transaction identifier; determining, by the processing device of the processing server, the transaction is invalid; and performing, by the processing device of the processing server, a dispute resolution process for the blockchain transaction.

19. 发明申请

US20200051049A1 SYSTEMS AND METHODS FOR IDENTIFYING SUSPECT ILLICIT MERCHANTS 审中-公开
公开(公告)号：US20200051049A1
公开(公告)日：2020-02-13
申请号：US16658962
申请日：2019-10-21
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Peter J. Groarke
IPC分类号： G06Q20/12 , G06Q20/40
摘要： An illicit website identifying (IWI) computing device is described herein, the IWI computing device configured to store a log of suspect illicit websites, the log including website content associated with each suspect illicit website. Each suspect illicit website is associated with a respective merchant. The IWI computing device is also configured to receive transaction data for at least one transaction initiated at a first suspect illicit website, the first suspect illicit website included within the log of suspect illicit websites, and analyze the received transaction data to identify one or more transactions including at least a portion of the website content associated with the first suspect illicit website. The IWI computing device is further configured to identify the first suspect illicit website and the merchant associated therewith as illicit for further investigation, and generate an identification report including the identified illicit website and merchant.

20. 发明申请

US20180336556A1 SYSTEMS AND METHODS FOR PROCESSING OFF-NETWORK TRANSACTION MESSAGES 审中-公开
公开(公告)号：US20180336556A1
公开(公告)日：2018-11-22
申请号：US16048888
申请日：2018-07-30
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Frederick Michael Pacher , Mikhail Blinov , Edwin V. Diekemper , Peter J. Groarke
IPC分类号： G06Q20/40 , G06Q20/42 , G06Q20/22
CPC分类号： G06Q20/40 , G06Q20/22 , G06Q20/401 , G06Q20/4016 , G06Q20/405 , G06Q20/409 , G06Q20/4093 , G06Q20/4097 , G06Q20/40975 , G06Q20/425
摘要： A computer-implemented method for applying enrichment services hosted on a second interchange network to a payment transaction initiated over a first interchange network is provided. A transfer process module hosted on the first interchange network receives a first service request from a requestor, formatted in accordance with a first set of proprietary communications standards associated with the first payment network, and transforms the first service request to a second service request formatted in accordance with a second set of proprietary communications standards associated with the second payment network. An enrichment services computer system hosted on the second interchange network receives the second service request and generates a first service response formatted in accordance with the first set of proprietary communications standards. The first service response is transformed at the transfer process module to create a second service response formatted in accordance with the second set of proprietary communications standards.

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