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1. 发明申请

US20190318344A1 Systems and Methods for Use in Facilitating Enrollment Through Network Messaging 审中-公开
公开(公告)号：US20190318344A1
公开(公告)日：2019-10-17
申请号：US15951723
申请日：2018-04-12
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Kent Olof Niklas Berntsson , Carrie Elizabeth Dweck , Kimberly Peyton
IPC分类号： G06Q20/36 , G06Q20/40
摘要： Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes soliciting, by at least one computing device, from a consumer, a payment account, in response to a request to enroll the consumer in a merchant account via a virtual wallet account associated with the consumer. The method further includes receiving an input indicative of the payment account and providing identifying information of the consumer to the merchant, at a virtual location of the merchant. The method also includes provisioning a payment account credential linked to the payment account to the merchant, for the merchant account, whereby the merchant is permitted to initiate a payment account transaction funded by the payment account in response to a purchase instruction from the consumer.

2. 发明授权

US09754332B2 Predicting account holder travel without transaction data 有权
公开(公告)号：US09754332B2
公开(公告)日：2017-09-05
申请号：US15181093
申请日：2016-06-13
申请人： MasterCard International Incorporated
发明人： Kent Olof Niklas Berntsson , Romina Mariel Abal
IPC分类号： G07B15/02 , G06Q50/14 , G06Q40/00 , G06Q10/02 , G06Q20/40
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.

3. 发明申请

US20160117781A1 INFERRED MATCHING OF PAYMENT CARD ACCOUNTS BY MATCHING TO COMMON MOBILE DEVICE VIA TIME AND LOCATION DATA ANALYSIS 审中-公开
标题翻译：通过时间和位置数据分析通过匹配通用移动设备来支付付款卡账户的匹配
公开(公告)号：US20160117781A1
公开(公告)日：2016-04-28
申请号：US14521814
申请日：2014-10-23
申请人： MasterCard International Incorporated
发明人： Edward Lee , Luckner B. Polycarpe , Kent Olof Niklas Berntsson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/12 , G06Q30/0269
摘要： Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. Consequently, common ownership of the two or more payment card accounts may be reasonably inferred. Based on the inference of common ownership, marketing related analysis may be performed on a combined transaction data set that reflects transactions in both commonly owned payment card accounts.
摘要翻译：将支付卡账户交易数据集和移动设备旅行简档相互比较以根据使用和/或存在的时间和位置来检测匹配。这样的分析可以将两个或更多个支付卡帐户链接到相同的移动设备。因此，可以合理推断两个或更多个支付卡账户的共同所有权。基于共同所有权的推论，可以对反映在共同拥有的支付卡账户中的交易的组合交易数据集执行营销相关分析。

4. 发明申请

US20150348072A1 METHOD AND SYSTEM FOR SELECTING A TARGET AUDIENCE 审中-公开
标题翻译：选择目标听众的方法和系统
公开(公告)号：US20150348072A1
公开(公告)日：2015-12-03
申请号：US14290144
申请日：2014-05-29
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Emma Goodyear , Joanne Sterne , Kent Olof Niklas Berntsson , Adam Granoff
IPC分类号： G06Q30/02 , G06Q20/20 , G06Q20/34 , G06Q20/10
CPC分类号： G06Q30/0204 , G06Q20/1085 , G06Q20/12 , G06Q20/204 , G06Q20/34
摘要： A method and a system are provided for selecting an audience of potential acceptors for receiving a targeted communication and for making a targeted communication to an audience of potential acceptors. The method involves retrieving, from one or more databases, a first set of information including checking account activities and characteristics attributable to an audience of checking account customers. At least a portion of the audience of checking account customers are identifiably associated with an audience of payment card holders. The method also involves retrieving, from one or more databases, a second set of information including payment card activities and characteristics attributable to the audience of payment card holders. Payment card holders meeting selection criteria are identified based on the first set of information and the second set of information. Payment card holders meeting the selection criteria are selected for receiving a targeted communication (e.g., a payment card upgrade).
摘要翻译：提供了一种方法和系统，用于选择用于接收目标通信的潜在接受者的受众并且向潜在接受者的受众进行有针对性的通信。该方法涉及从一个或多个数据库检索第一组信息，包括检查帐户活动和归因于检查帐户客户的受众的特征。支票账户客户的至少一部分受众可以与支付卡持有者的受众群体相关联。该方法还涉及从一个或多个数据库检索包括支付卡活动和可归因于支付卡持有者的受众的特征的第二组信息。基于第一组信息和第二组信息来识别满足选择标准的支付卡持有人。选择满足选择标准的支付卡持有人接收目标通信（例如，支付卡升级）。

5. 发明申请

US20150287020A1 INFERRING CARDHOLDER FROM KNOWN LOCATIONS 审中-公开
标题翻译：从已知位置传送卡片
公开(公告)号：US20150287020A1
公开(公告)日：2015-10-08
申请号：US14457831
申请日：2014-08-12
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Jean-Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3224 , G06Q20/4016
摘要： A method includes receiving a first data set and accessing a second data set. The first data set includes location and time profiles. The second data set includes transaction profiles. The first and second data sets are analyzed to propose matches of location and time profiles with transaction profiles. A respective score is assigned to each proposed match. In the analysis and assignment of scores, a first percentage is assigned to each location and time profile relative to each transaction profile. The first percentage equals a percentage of data elements in the location and time profile that is represented in the respective transaction profile. For some of the transaction profiles, a second percentage is assigned. The second percentage equals the percentage of transactions in the transaction profile that is represented in a proposed matching location and time profile.
摘要翻译：一种方法包括接收第一数据集并访问第二数据集。第一个数据集包括位置和时间轮廓。第二数据集包括交易简档。分析第一和第二数据集，以提供具有事务简档的位置和时间简档的匹配。相应的分数被分配给每个拟议的比赛。在分析和分配分数时，相对于每个交易配置文件，将分配给每个位置和时间配置文件的第一个百分比。第一个百分比等于相应交易配置文件中表示的位置和时间配置文件中数据元素的百分比。对于一些交易配置文件，分配了第二个百分比。第二个百分比等于在提议的匹配位置和时间配置文件中表示的交易配置文件中的交易的百分比。

6. 发明授权

US10068239B2 Systems and methods for determining enhanced merchant identification 有权
公开(公告)号：US10068239B2
公开(公告)日：2018-09-04
申请号：US14448471
申请日：2014-07-31
申请人： MasterCard International Incorporated
发明人： Jean-Pierre Gerard , Kenny Unser , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
摘要： A computer implemented method for creating merchant profiles based on check transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions including payment by a check where each payment transaction includes plurality of fields from the associated check that include at least a payee field, an address field, and a memo field, generating a list of unique merchants based in part on the payee fields of the plurality of payment transactions, generating two or more merchant profiles, and determining one or more connections between two or more merchant profiles in the plurality of merchant profiles. Each connection represents a relationship or association between two or more merchant profiles. The method also includes storing the one or more connections and the two or more merchant profiles.

7. 发明授权

US09436964B2 Systems and methods for mandated services verification 有权
标题翻译：授权服务验证的系统和方法
公开(公告)号：US09436964B2
公开(公告)日：2016-09-06
申请号：US14290260
申请日：2014-05-29
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Jean-Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06K5/00 , G06Q40/08 , G06Q30/00 , G06Q20/40
CPC分类号： G06Q40/08 , G06Q20/40 , G06Q30/018
摘要： A method and system for verifying cardholder compliance or non-compliance with a mandated services requirement by a third party using a payment card payment card network coupled to a database are provided. The method includes receiving sets of predetermined parameters that each define a transaction for one or more mandated services, receiving, by the computer device, transaction data for a plurality of transactions, determining, by the computer device, transactions for one or more mandated services from the plurality of received transactions using the received sets of parameters, summarizing the transaction data from the determined transactions, and transmitting the summarized transaction data to the third party, the summarized transaction data demonstrating cardholder compliance or noncompliance with the mandated services requirement.
摘要翻译：提供了一种用于验证持卡人符合性或不遵守第三方使用耦合到数据库的支付卡支付卡网络的强制服务要求的方法和系统。该方法包括接收每个定义一个或多个强制服务的事务的预定参数集合，由计算机设备接收多个事务的交易数据，由计算机设备确定一个或多个授权服务的交易，所述多个接收到的交易使用所接收的参数集合，从所确定的交易总结交易数据，以及将汇总的交易数据发送给第三方，所述汇总交易数据显示持卡人遵守或不遵守强制服务需求。

8. 发明申请

US20160034917A1 SYSTEMS AND METHODS FOR DETERMINING ENHANCED MERCHANT IDENTIFICATION 审中-公开
标题翻译：用于确定增强商标识别的系统和方法
公开(公告)号：US20160034917A1
公开(公告)日：2016-02-04
申请号：US14448471
申请日：2014-07-31
申请人： MasterCard International Incorporated
发明人： Jean-Pierre Gerard , Kenny Unser , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： A computer implemented method for creating merchant profiles based on check transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions including payment by a check where each payment transaction includes plurality of fields from the associated check that include at least a payee field, an address field, and a memo field, generating a list of unique merchants based in part on the payee fields of the plurality of payment transactions, generating two or more merchant profiles, and determining one or more connections between two or more merchant profiles in the plurality of merchant profiles. Each connection represents a relationship or association between two or more merchant profiles. The method also includes storing the one or more connections and the two or more merchant profiles.
摘要翻译：提供了一种用于基于检查事务来创建商家简档的计算机实现方法。该方法使用具有通信地耦合到存储器的处理器的计算设备。该方法包括接收多个支付交易，包括通过支票进行的支付，其中每个支付交易包括来自关联支票的多个字段，其中至少包括收款人字段，地址字段和备注字段，生成基于唯一商户的列表部分地在多个支付交易的收款人字段中，生成两个或多个商家简档，以及确定多个商家简档中的两个或多个商家简档之间的一个或多个连接。每个连接表示两个或多个商家配置文件之间的关系或关联。该方法还包括存储一个或多个连接和两个或多个商家简档。

9. 发明申请

US20160034916A1 METHOD AND SYSTEM FOR IDENTIFYING PAYMENT CARD HOLDER INTERESTS AND HOBBIES 审中-公开
标题翻译：用于识别付款卡持有人利益和行为的方法和系统
公开(公告)号：US20160034916A1
公开(公告)日：2016-02-04
申请号：US14446762
申请日：2014-07-30
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Kenny Unser , Jean Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06Q30/02 , G06Q30/06
CPC分类号： G06Q30/0201 , G06Q30/0631
摘要： A method and a system are provided for identifying payment card holder hobbies or interests. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. The method further includes analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships.
摘要翻译：提供了一种用于识别支付卡持有者的爱好或兴趣的方法和系统。该方法包括从一个或多个数据库检索包括支付卡交易信息，支付卡持有者信息和商家信息的第一组信息。该方法还包括分析第一组信息，以基于商业营业线或与业余爱好或兴趣的商家联系来构建商家的一个或多个分组; 分析第一组信息以识别一个或多个支付卡持有者购买行为; 以及将所述一个或多个支付卡持有人购买行为与所述一个或多个商户分组相关联，以识别一个或多个支付卡持有者的兴趣爱好。该方法和系统在预防欺诈方面提供了优势，也可以被商家或企业用来更好地瞄准客户或增强现有的客户关系。

10. 发明申请

US20160012457A1 METHOD AND SYSTEM FOR SALES STRATEGY OPTIMIZATION 有权
标题翻译：销售战略优化方法与系统
公开(公告)号：US20160012457A1
公开(公告)日：2016-01-14
申请号：US14329085
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： G06Q30/0202 , G06Q10/063
摘要： A method for identifying a payment card holder preference for a certain sales technique. The method involves retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable to one or more payment card holders; retrieving, from one or more databases, a second set of information including merchant information associated with the purchasing and payment activity; retrieving, from one or more databases, a third set of information including sales technique information; analyzing the first set of information and the second set of information to generate one or more predictive payment card holder profiles; and correlating the one or more predictive payment card holder profiles with the sales technique information to identify payment card holder preference for the certain sales technique. A system for identifying payment card holder preference for a certain sales technique is also provided.
摘要翻译：一种用于识别某种销售技术的支付卡持有者偏好的方法。该方法涉及从一个或多个数据库检索包括归属于一个或多个支付卡持有者的购买和支付活动信息的第一组信息; 从一个或多个数据库检索包括与购买和支付活动相关联的商家信息的第二组信息; 从一个或多个数据库检索包括销售技术信息的第三组信息; 分析第一组信息和第二组信息以产生一个或多个预测性支付卡持有者简档; 以及将所述一个或多个预测性支付卡持有者简档与所述销售技术信息相关联，以识别所述某些销售技术的支付卡持有者偏好。还提供了用于识别某种销售技术的支付卡持有者偏好的系统。

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