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11. 发明申请

US20160012452A1 METHOD AND SYSTEM FOR DETERMINING CARD HOLDER PREFERENCE 审中-公开
标题翻译：用于确定持卡人偏好的方法和系统
公开(公告)号：US20160012452A1
公开(公告)日：2016-01-14
申请号：US14329054
申请日：2014-07-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Kenny Unser , Jean Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201 , G06Q30/0255
摘要： A method for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is provided. The method includes retrieving a first set of information including purchasing and payment activity information attributable to payment card holder(s); retrieving a second set of information including merchant information; optionally retrieving a third set of information including external information; analyzing the second set of information and optionally the third set of information to generate grouping(s) of proximal merchant competitors; associating the purchasing and payment activity information attributable to the payment card holders and the groupings of proximal merchant competitors to generate predictive payment card holder profile(s); and determining payment card holder preference of a merchant from a grouping of proximal merchant competitors based on the predictive payment card holder profile(s). A system for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is also provided.
摘要翻译：提供了一种用于从近端商业竞争对手的分组确定商家的支付卡持有者偏好的方法。该方法包括检索包括归属于支付卡持有者的购买和支付活动信息的第一组信息; 检索包括商家信息的第二组信息; 可选地检索包括外部信息的第三组信息; 分析第二组信息和可选地第三组信息以产生近端商人竞争者的分组; 将归属于支付卡持有人的购买和支付活动信息与近端商业竞争对手的分组相关联，以产生预测性支付卡持有者简档; 以及基于所述预测性支付卡持有者简档，从近端商业竞争对手的分组确定商家的支付卡持有者偏好。还提供了一种用于从一组近端商业竞争者确定商家的支付卡持有者偏好的系统。

12. 发明授权

US09792610B2 Non-payment communications using payment transaction network 有权
公开(公告)号：US09792610B2
公开(公告)日：2017-10-17
申请号：US14325823
申请日：2014-07-08
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06K5/00 , G06Q20/40 , G07G1/14 , G06Q20/20
CPC分类号： G06Q20/409 , G06Q20/202 , G07G1/14
摘要： A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. The additional information may originate at the point of sale and may be in addition to a PAN (primary account number) or the like. The payment network may send a message including the additional information to an entity that is neither a payment account issuer nor the transaction acquirer.

13. 发明授权

US09367871B2 Predicting account holder travel without transaction data 有权
标题翻译：预测没有交易数据的账户持有人旅行
公开(公告)号：US09367871B2
公开(公告)日：2016-06-14
申请号：US14503815
申请日：2014-10-01
申请人： MasterCard International Incorporated
发明人： Kent Olof Niklas Berntsson , Romina Mariel Abal
IPC分类号： G07B15/02 , G06Q40/00
CPC分类号： G06Q50/14 , G06Q10/02 , G06Q20/4016 , G06Q40/00
摘要： A system, method, and computer-readable storage medium configured to anticipate travel by payment account holders without using payment transaction data.
摘要翻译：一种系统，方法和计算机可读存储介质，其被配置为预期支付账户持有人的旅行而不使用支付交易数据。

14. 发明申请

US20160110726A1 METHOD AND SYSTEM FOR LINKING HANDWRITING TO TRANSACTION DATA 审中-公开
标题翻译：用于链接到交易数据的方法和系统
公开(公告)号：US20160110726A1
公开(公告)日：2016-04-21
申请号：US14518565
申请日：2014-10-20
申请人： MasterCard International Incorporated
发明人： Kenneth UNSER , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06Q30/02 , G06K9/00
CPC分类号： G06Q30/0201 , G06K9/00181 , G06K9/00194 , G06K9/00422
摘要： A method for identifying purchase behavior using handwriting characteristics includes: storing, in a handwriting database, a plurality of handwriting profiles, wherein each handwriting profile includes at least a handwriting characteristic and one or more associated purchase behaviors; receiving, by a receiving device, a handwriting sample; analyzing, by a processing device, the received handwriting sample to identify one or more handwriting characteristics; identifying, in the handwriting database, a specific handwriting profile for each of the identified one or more handwriting characteristics, wherein the specific handwriting profile includes the respective handwriting characteristic; and transmitting, by a transmitting device, the one or more associated purchase behaviors included in each of the identified specific handwriting profiles.
摘要翻译：一种使用手写特征识别购买行为的方法包括：在手写数据库中存储多个手写简档，其中每个手写简档至少包括笔迹特征和一个或多个相关购买行为; 由接收装置接收手写样本; 通过处理装置分析所接收的手写样本以识别一个或多个手写特征; 在所述手写数据库中识别所识别的一个或多个笔迹特征中的每一个的特定手写简档，其中所述特定笔迹简档包括相应的手写特征; 以及由发送装置发送包含在每个识别的特定手写简档中的一个或多个相关购买行为。

15. 发明申请

US20160063526A1 METHOD AND SYSTEM FOR OPTIMIZING CUSTOMER VOLUME AT A MERCHANT STORE 审中-公开
标题翻译：在商业店优化客户体积的方法和系统
公开(公告)号：US20160063526A1
公开(公告)日：2016-03-03
申请号：US14471937
申请日：2014-08-28
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Edward M. Lee , Luckner Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0204 , G06Q30/0202 , G06Q30/0255 , G06Q30/0264
摘要： A method and a system are provided for optimizing customer volume at a merchant store. In particular, the present disclosure provides a method and a system for forecasting how many shoppers will be in a merchant store at certain times of the day. The method and the system enable the merchant to forecast shopper volume at a merchant store for a defined date and time, and to make a targeted promotional offer at a merchant store for a defined date and time to a plurality of payment card holders. The method and the system are useful for the merchant in terms of optimizing resource needs, and enabling the merchant to run promotions that only apply during “down-times” to drive more shoppers to their store.
摘要翻译：提供了一种用于在商家商店优化顾客体积的方法和系统。特别地，本公开提供了一种用于在一天中的某些时间预测商店中将有多少购物者的方法和系统。该方法和系统使得商家能够在商家商店中预定定义的日期和时间的购物者体积，并且在商家商店针对多个支付卡持有者定义日期和时间进行有针对性的促销优惠。在优化资源需求方面，该方法和系统对于商家是有用的，并且使得商家能够运行仅在“停机时间”期间适用以促使更多购物者到其商店的促销。

16. 发明申请

US20160012443A1 NON-PAYMENT COMMUNICATIONS USING PAYMENT TRANSACTION NETWORK 有权
标题翻译：使用付款交易网络的非支付通信
公开(公告)号：US20160012443A1
公开(公告)日：2016-01-14
申请号：US14325823
申请日：2014-07-08
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06Q20/40 , G06Q20/20 , G07G1/14
CPC分类号： G06Q20/409 , G06Q20/202 , G07G1/14
摘要： A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. The additional information may originate at the point of sale and may be in addition to a PAN (primary account number) or the like. The payment network may send a message including the additional information to an entity that is neither a payment account issuer nor the transaction acquirer.
摘要翻译：在交易获取方和支付网络之间提供通信信道，用于发送支付卡账户交易授权请求。通过通信信道，支付网络可以接收包含附加信息的消息。附加信息可以来自销售点，并且可以是PAN（主帐号）等的补充。支付网络可以向既不是支付账户发行者也不是交易获取方的实体发送包括附加信息的消息。

17. 发明申请

US20150348209A1 METHOD AND SYSTEM FOR LINKING FORENSIC DATA WITH PURCHASE BEHAVIOR 审中-公开
标题翻译：用于连接具有购买行为的威廉数据的方法和系统
公开(公告)号：US20150348209A1
公开(公告)日：2015-12-03
申请号：US14293470
申请日：2014-06-02
申请人： MasterCard International Incorporated
发明人： Kenny UNSER , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06Q40/00 , G06Q50/26
CPC分类号： G06Q40/12 , G06Q50/26
摘要： A method for linking forensic data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer and a plurality of transaction data entries, each entry including data related to a payment transaction involving the consumer including transaction data; receiving a forensic profile, the profile including forensic data obtained from a computing device; identifying a correspondence between the received forensic data and transaction data included in the stored transaction data entries to obtain a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and transmitting at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile.
摘要翻译：用于将取证数据链接到交易历史的方法包括：存储多个消费者简档，每个简档包括与消费者相关的数据，包括与相关消费者相关联的消费者标识符以及多个交易数据条目，每个条目包括与涉及消费者的支付交易包括交易数据; 接收取证简档，该简档包括从计算设备获得的取证数据; 识别所接收的取证数据与所存储的交易数据条目中包含的交易数据之间的对应关系，以获得特定的消费者标识符; 识别包括的消费者标识符对应于特定消费者标识符的特定消费者简档; 以及至少传送包括在所识别的特定消费者简档中包括的一个或多个交易数据条目中的交易数据。

18. 发明申请

US20150317654A1 METHOD AND SYSTEM FOR LINKING TRAFFIC DATA TO PURCHASE BEHAVIOR 审中-公开
标题翻译：用于连接交通数据以购买行为的方法和系统
公开(公告)号：US20150317654A1
公开(公告)日：2015-11-05
申请号：US14269627
申请日：2014-05-05
申请人： Mastercard International Incorporated
发明人： Kenny UNSER , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q30/0205
摘要： A method for linking traffic data to transaction data includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including at least a geographic location associated with the related payment transaction, a transaction time and/or date, and transaction data; receiving traffic data, the traffic data being related to vehicle traffic and including at least a geographic traffic area, a period of time, and one or more traffic characteristics associated with the vehicle traffic; identifying a subset of transaction data entries where each entry in the subset includes a geographic location included in a geographic transaction area corresponding to the geographic traffic area and a transaction time and/or date included in the period of time; and identifying an economic impact of the vehicle traffic based on at least the transaction data included in each of the transaction data entries included in the identified subset.
摘要翻译：将交通数据与交易数据相关联的方法包括：存储多个交易数据条目，每个条目包括与支付交易相关的数据，所述支付交易至少包括与相关支付交易相关联的地理位置，交易时间和/或日期，以及交易数据; 接收交通数据，所述交通数据与车辆交通相关，并且至少包括地理交通区域，一段时间以及与所述车辆交通相关联的一个或多个交通特征; 识别交易数据条目的子集，其中所述子集中的每个条目包括包括在与所述地理交通区域相对应的地理交易区域中的地理位置以及所述时间段中包括的交易时间和/或日期; 以及基于至少包括在所识别的子集中包括的每个交易数据条目中的交易数据来识别所述车辆交通的经济影响。

19. 发明授权

US11055689B2 Method and system for geofencing 有权
公开(公告)号：US11055689B2
公开(公告)日：2021-07-06
申请号：US16514209
申请日：2019-07-17
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Scott Hudson , Kent Olof Niklas Berntsson , Stephen Andrew Gerhard
IPC分类号： G06Q20/32 , G06Q20/14 , G06Q20/40 , H04W4/00 , H04L29/06 , H04W4/021
摘要： A method for initiating a time- and geographic-based electronic transaction includes: storing, in a mobile computing device, payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area, the notification including payment terms; registering a first timestamp upon receipt of the notification; displaying the payment terms; receiving an indication of approval of the payment terms; receiving an exit notification upon exit of the mobile computing device from the predefined geographic area; registering a second timestamp upon receipt of the exit notification; calculating a transaction amount based on an elapsed amount of time between the first timestamp and the second timestamp and a payment rate; and transmitting the calculated transaction amount and payment details.

20. 发明授权

US10430828B2 Method and system for ambient media selection based on transaction history and demographics 有权
公开(公告)号：US10430828B2
公开(公告)日：2019-10-01
申请号：US14874902
申请日：2015-10-05
申请人： MasterCard International Incorporated
发明人： Edward Lee , Luckner Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
摘要： A method for identifying ambient media (audio and visual content) selections based on transaction history includes: storing transaction data entries, each including data related to a payment transaction including a merchant identifier associated with a merchant involved in the transaction, a primary account number associated with a transaction account used in the transaction, and transaction data; receiving a request, the request including a specific merchant identifier; identifying a subset of transaction data entries that include a merchant identifier corresponding to the specific merchant identifier; identifying sets of demographic characteristics based on the primary account number and/or the transaction data included in transaction data entries in the subset; identifying an ambient media selection corresponding to the sets of the demographic characteristics; and transmitting the identified ambient media selection corresponding to each of the sets of demographic characteristics.

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