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1. 发明授权

US10685301B2 Method and system for providing sales information and insights through a conversational interface 有权
公开(公告)号：US10685301B2
公开(公告)日：2020-06-16
申请号：US15639588
申请日：2017-06-30
申请人： Mastercard International Incorporated
发明人： Andrew J. Smith , Siddique Hameed , Michael K. Forbis , Stewart Boling , Adam Kenneth Hosp , Ted P. Sanders, Jr.
IPC分类号： G06Q10/06 , G06Q20/40 , G06Q20/10 , G06N3/00 , G06F16/22 , G06F16/33 , G06Q20/20 , G06Q30/00 , G06F16/242 , G06F40/30 , G06F40/295 , G06N5/04
摘要： A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.

2. 发明申请

US20190164155A1 SYSTEMS AND METHODS FOR TOKENIZING TOKENS IN TRANSACTIONS 审中-公开
公开(公告)号：US20190164155A1
公开(公告)日：2019-05-30
申请号：US15826137
申请日：2017-11-29
申请人： MasterCard International Incorporated
发明人： Adam Kenneth Hosp
IPC分类号： G06Q20/38 , G06Q20/40
摘要： A method includes receiving a bank identification number (BIN) that defines a range of indicator numbers, and generating a plurality of primary account numbers (PANs) that start with that BIN. The method further includes generating a plurality of tokens that start with the same BIN. The PANs may have a prescribed length in digits that differs from the prescribed length in digits for the tokens. Thus tokens can be distinguished from PANs based on length in digits, even though the PANs and tokens may be formed with the same BIN.

3. 发明授权

US09875385B1 Method and system for sharing of product receipts 有权
公开(公告)号：US09875385B1
公开(公告)日：2018-01-23
申请号：US15332269
申请日：2016-10-24
申请人： MasterCard International Incorporated
发明人： Derek Humphreys , Stephen Elder , Edward Kilbane , Ramson Tutte , John Clerkin , Adam Kenneth Hosp , Sarah Louise Cunningham , Rebecca Fredric , Paul Lawless
IPC分类号： G06K15/00 , G06K7/10 , G07G5/00
CPC分类号： G06K7/10861 , G06Q20/0457 , G06Q30/0635 , G06Q30/0637 , G07G5/00
摘要： A method for transmitting line item data from an electronic receipt comprising storing a plurality of receipt data entries affiliated with a consumer account based on a consumer identifier. The method comprises storing a plurality of merchant identifiers affiliated with one or more product data files for products sold by a merchant. The method further receives a transaction message for a payment transaction using the consumer identifier via a payment network and executes a query on the electronic receipt database from a first consumer device to identify one or more products purchased in the payment transaction. The method generates an electronic receipt displaying purchase information for the one or more products and links the purchase information on the electronic receipt to the product data file for the one or more products for transmittal.

4. 发明申请

US20200302442A1 SYSTEMS AND METHODS FOR TOKENIZING TOKENS IN TRANSACTIONS 审中-公开
公开(公告)号：US20200302442A1
公开(公告)日：2020-09-24
申请号：US16723359
申请日：2019-12-20
申请人： MasterCard International Incorporated
发明人： Adam Kenneth Hosp
IPC分类号： G06Q20/38 , G06Q20/40 , H04L9/32
摘要： Systems, methods and computer program code are provided for receiving a token and a request to generate a sub-token based on the token, identifying an association between the token and a primary account number (PAN) of a user, generating a sub-token associated with the token and the PAN, and providing the sub-token for use in a payment transaction.

5. 发明申请

US20200058079A1 SYSTEMS AND METHODS FOR USING MACHINE LEARNING AND SIMULATIONS FOR INTELLIGENT BUDGETING 审中-公开
公开(公告)号：US20200058079A1
公开(公告)日：2020-02-20
申请号：US16103768
申请日：2018-08-14
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Adam Kenneth Hosp , Ted P. Sanders , Ellen Christine Walz , Andrew J. Smith , Stephen Bongner
IPC分类号： G06Q40/00 , G06N99/00
摘要： A simulation and optimization (SO) computing device is configured to receive a request for an intelligent budget, and retrieve historical data for purchase transactions initiated over a period of time. The SO computing device is also configured to assign each purchase transaction one budget class, generate a historical budget model based upon the purchase transactions and budget classes, the historical budget model representing historical spending behavior over the period of time, and execute future budget simulations based upon the historical budget model, each future budget simulation identifying a possible future spending behavior of the user. The SO computing device is further configured to generate intelligent budgets based upon the future budget simulations, wherein each intelligent budget is generated based upon a respective possible future spending behavior that satisfies at least one user-defined budget constraint, cause the intelligent budgets to be displayed, and receive a selection of a user-selected intelligent budget.

6. 发明申请

US20150332276A1 DATA SHARING PLATFORM 审中-公开
标题翻译：数据共享平台
公开(公告)号：US20150332276A1
公开(公告)日：2015-11-19
申请号：US14809224
申请日：2015-07-26
申请人： MasterCard International Incorporated
发明人： Adam Kenneth Hosp
IPC分类号： G06Q20/42
CPC分类号： G06Q20/42 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/22 , G06Q50/01
摘要： A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.
摘要翻译：可以使用数据共享平台来实现一种允许至少一个通过支付网络进行支付的实体共享交易数据的方法。包含来自使用支付网络进行支付的至少一个实体的交易数据的数据库被维持。提供了一种用户界面，该用户界面呈现至少一个使用支付网络进行支付的实体，其中至少一个选择提供与至少一个第三方共享交易数据的至少一部分的同意。经由所述至少一个选择获得来自支付网络进行支付的至少一个实体的同意。与至少一个第三方进行交互以共享交易数据的至少部分。

7. 发明授权

US09092828B2 Data sharing platform 有权
标题翻译：数据共享平台
公开(公告)号：US09092828B2
公开(公告)日：2015-07-28
申请号：US13622433
申请日：2012-09-19
申请人： MasterCard International Incorporated
发明人： Adam Kenneth Hosp
IPC分类号： G06Q40/00 , G06Q50/00 , G06Q20/22 , G06Q20/02 , G06Q20/08 , G06Q20/12
CPC分类号： G06Q20/42 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/22 , G06Q50/01
摘要： A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.
摘要翻译：可以使用数据共享平台来实现一种允许至少一个通过支付网络进行支付的实体共享交易数据的方法。包含来自使用支付网络进行支付的至少一个实体的交易数据的数据库被维持。提供了一种用户界面，该用户界面呈现至少一个使用支付网络进行支付的实体，其中至少一个选择提供与至少一个第三方共享交易数据的至少一部分的同意。经由所述至少一个选择获得来自支付网络进行支付的至少一个实体的同意。与至少一个第三方进行交互以共享交易数据的至少部分。

8. 发明授权

US10984396B2 Method and system for distribution of data insights 有权
公开(公告)号：US10984396B2
公开(公告)日：2021-04-20
申请号：US15480545
申请日：2017-04-06
申请人： Mastercard International Incorporated
发明人： Adam Kenneth Hosp
IPC分类号： G06Q40/00 , G06Q20/10 , H04L29/08 , G06F16/9535 , G06Q30/00 , G06Q30/02 , G06Q50/00
摘要： A method for providing data values to an automated program includes: storing, in an account database, a plurality of account profiles, wherein each account profile includes at least an account identifier and a digital token value related to a user account; executing, by a querying module, a query on the account database to identify a specific account profile; transmitting, by a transmitting device, the digital token value included in the specific account profile to a first computing system; receiving, by a receiving device, a plurality of data values associated with a user corresponding to the user account related to the specific account profile based on the digital token value from the first computing system; and transmitting, by the transmitting device, one or more data values of the plurality of data values to an automated application program executed by a second computing system.

9. 发明授权

US10719539B2 Method and system for automatic reporting of analytics and distribution of advice using a conversational interface 有权
公开(公告)号：US10719539B2
公开(公告)日：2020-07-21
申请号：US15614776
申请日：2017-06-06
申请人： Mastercard International Incorporated
发明人： Andrew J. Smith , Saravana Perumal Shanmugam , Adam Kenneth Hosp , Ted P. Sanders, Jr. , Michael K. Forbis , Sarala Buradagunta
IPC分类号： G06F16/332 , G06Q10/06 , G06F16/435 , G06Q30/00
摘要： A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

10. 发明申请

US20200019964A1 SYSTEMS AND METHODS FOR USE IN PERMITTING RESTRICTED NETWORK TRANSACTIONS 审中-公开
公开(公告)号：US20200019964A1
公开(公告)日：2020-01-16
申请号：US16508880
申请日：2019-07-11
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Matthew James Miller , Mikel J. Irkliewskij , Adam Kenneth Hosp
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/32
摘要： Systems and methods are provided for use in permitting restricted network transactions. One exemplary method includes receiving a product identifier associated with a product, from a user at a communication device, where the product is offered for sale by a merchant associated with a restricted merchant category for a payment account associated with the user. The method also includes identifying the product based on the identifier, from a listing of products included in a data structure, and determining whether the product is permitted based on one or more permission rules associated with an account host for the payment account. The method then includes transmitting an approve notification to the user, at the communication device, when the product is permitted by the one or more permission rules.

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