专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明授权

US10592905B2 Systems and methods for risk based decisioning 有权
公开(公告)号：US10592905B2
公开(公告)日：2020-03-17
申请号：US15870192
申请日：2018-01-12
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Mark B. Wiesman
IPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/34
摘要： A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender, the authorization request including a fraud risk assessment of the financial transaction determined by the sender using an authentication response received from the computer device by the sender, the authorization request including one or more reason codes associated with the sender fraud risk assessment. The method further includes transmitting the received authorization request to an issuer associated with the cardholder.

2. 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。

3. 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.

4. 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.

5. 发明授权

US11423404B2 System and methods for enhanced approval of a payment transaction 有权
公开(公告)号：US11423404B2
公开(公告)日：2022-08-23
申请号：US14711567
申请日：2015-05-13
申请人： MasterCard International Incorporated
发明人： Christopher John Merz , Johan Gerber , Douglas Van Horn , Mark B. Wiesman
IPC分类号： G06Q20/40 , G06Q20/12
摘要： A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.

6. 发明申请

US20150324795A1 SYSTEMS AND METHODS FOR COMMUNICATING LIABILITY ACCEPTANCE WITH PAYMENT CARD TRANSACTIONS 审中-公开
标题翻译：与付款卡交易承担责任的制度和方法
公开(公告)号：US20150324795A1
公开(公告)日：2015-11-12
申请号：US14272018
申请日：2014-05-07
申请人： MasterCard International Incorporated
发明人： Theunis J. Gerber , Peter J. Groarke , Mark B. Wiesman
IPC分类号： G06Q20/40
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.
摘要翻译：提供了一种用于传递支付卡交易责任承诺的基于计算机的方法。该方法使用包括处理器和存储器的计算机设备。该方法包括由处理器接收具有违约责任方的支付卡交易的交易授权请求消息。交易授权请求消息包括移动责任接受指示符，其识别接受对支付卡交易的责任的交易的不同方。该方法还包括至少部分地基于转移责任接受指标来授权支付卡交易。转移责任承保指标将支付卡交易的责任从违约责任方改变为不同方接受责任。

7. 发明申请

US20180285844A1 AUTOMATED TELLER MACHINE TRANSACTION PREMIUM LISTING TO PREVENT TRANSACTION BLOCKING 审中-公开
公开(公告)号：US20180285844A1
公开(公告)日：2018-10-04
申请号：US15987696
申请日：2018-05-23
申请人： Mastercard International Incorporated
发明人： Denise Schroder , Dawn Strohbach , Kirk Menard , Brenda Hopkins , Mark B. Wiesman
IPC分类号： G06Q20/10 , G06Q20/40
摘要： A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.

8. 发明申请

US20170221042A1 INFORMATION SOURCE SELECTION FOR IDENTIFICATION AND VERIFICATION PROCESSES 审中-公开
公开(公告)号：US20170221042A1
公开(公告)日：2017-08-03
申请号：US15235761
申请日：2016-08-12
申请人： MasterCard International Incorporated
发明人： Janet Marie Smith , Mark B. Wiesman , Kimberly Lewis Peyton
IPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/36
CPC分类号： G06Q20/3221 , G06Q20/102 , G06Q20/367 , G06Q20/405
摘要： A method includes receiving a request to provision a payment profile to a payment service facility. The method further includes determining source selection criteria applicable to the provisioning request. In addition, the method includes selecting an information source based at least in part on the determined source selection criteria. Still further, input is requested from the selected information source and is received from the selected information source. Based at least in part on the received input, decision-making is facilitated with respect to the provisioning request.

9. 发明授权

US09600819B2 Systems and methods for risk based decisioning 有权
公开(公告)号：US09600819B2
公开(公告)日：2017-03-21
申请号：US14640701
申请日：2015-03-06
申请人： MasterCard International Incorporated
发明人： Mark B. Wiesman
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/12 , G06Q20/34 , G06Q20/4014 , G06Q20/405
摘要： A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender, the authorization request including a fraud risk assessment of the financial transaction determined by the sender using an authentication response received from the computer device by the sender, the authorization request including one or more reason codes associated with the sender fraud risk assessment. The method further includes transmitting the received authorization request to an issuer associated with the cardholder.

10. 发明申请

US20160260100A1 SYSTEMS AND METHODS FOR RISK BASED DECISIONING 有权
标题翻译：基于风险决策的系统与方法
公开(公告)号：US20160260100A1
公开(公告)日：2016-09-08
申请号：US14640701
申请日：2015-03-06
申请人： MasterCard International Incorporated
发明人： Mark B. Wiesman
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/12 , G06Q20/34 , G06Q20/4014 , G06Q20/405
摘要： A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender, the authorization request including a fraud risk assessment of the financial transaction determined by the sender using an authentication response received from the computer device by the sender, the authorization request including one or more reason codes associated with the sender fraud risk assessment. The method further includes transmitting the received authorization request to an issuer associated with the cardholder.
摘要翻译：提供了一种用于使用耦合到数据库的计算机设备来基于认证数据属性创建保证级别的方法和系统。该方法包括从发送者接收与金融交易相关联的授权请求，授权请求包括由发送者使用由发送者从计算机设备接收到的认证响应确定的金融交易的欺诈风险评估，授权请求包括一个或更多与发件人欺诈风险评估相关联的原因代码。该方法还包括将接收的授权请求发送到与持卡人相关联的发行者。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式