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1. 发明授权

US09818117B2 Systems and methods for using social network data to determine payment fraud 有权
公开(公告)号：US09818117B2
公开(公告)日：2017-11-14
申请号：US15231425
申请日：2016-08-08
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Ahmed Hosny
IPC分类号： 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.

2. 发明授权

US09754294B2 Facilitating charitable donations on a banking system 有权
公开(公告)号：US09754294B2
公开(公告)日：2017-09-05
申请号：US14093804
申请日：2013-12-02
申请人： MasterCard International Incorporated
发明人： Ahmed Hosny , Peter J. Groarke
IPC分类号： G06Q30/06 , G06Q30/02 , G06Q30/08
CPC分类号： G06Q30/0279
摘要： Methods, apparatus and systems for automatically calculating charitable donations for donors and for distributing the charitable donations in accordance with the donors' wishes to approved and/or registered recipients, such as approved charitable organizations. In some embodiments, the method includes receiving contributor information, recipient information and donation data during a predetermined period of time, and then aggregating the donations from a plurality of contributors into a plurality of recipient contribution amounts. The process also includes distributing, at the end of the predetermined period of time, the recipient contribution amounts to recipient financial institutions based on the contributor information, the recipient information and the donation data.

3. 发明申请

US20170169431A1 SYSTEMS AND METHODS FOR USING BROWSER HISTORY IN ONLINE FRAUD DETECTION 审中-公开
公开(公告)号：US20170169431A1
公开(公告)日：2017-06-15
申请号：US14968470
申请日：2015-12-14
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , John Allen
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016
摘要： A fraud detection computing device for using browser history to detect fraudulent online cardholder activity is provided. The fraud detection computing device includes one or more processors in communication with one or more memory devices. The fraud detection computing device is configured to receive, from an interchange network, an authorization request message, identify a device identifier associated with the cardholder computing device, authenticate that the device identifier is associated with the first cardholder account, retrieve a plurality of user browser history based on the device identifier, analyze the plurality of user browser history to determine a plurality of expected pending transactions, determine whether the payment card transaction is included within the plurality of expected pending transactions, and respond to the authorization request message based at least in part on whether the payment card transaction is included within the plurality of expected pending transactions.

4. 发明申请

US20150154666A1 FACILITATING CHARITABLE DONATIONS ON A BANKING SYSTEM 有权
标题翻译：促进银行系统的诚实捐助
公开(公告)号：US20150154666A1
公开(公告)日：2015-06-04
申请号：US14093804
申请日：2013-12-02
申请人： MasterCard International Incorporated
发明人： Ahmed Hosny , Peter J. Groarke
IPC分类号： G06Q30/02 , G06Q20/10
CPC分类号： G06Q30/0279
摘要： Methods, apparatus and systems for automatically calculating charitable donations for donors and for distributing the charitable donations in accordance with the donors' wishes to approved and/or registered recipients, such as approved charitable organizations. In some embodiments, the method includes receiving contributor information, recipient information and donation data during a predetermined period of time, and then aggregating the donations from a plurality of contributors into a plurality of recipient contribution amounts. The process also includes distributing, at the end of the predetermined period of time, the recipient contribution amounts to recipient financial institutions based on the contributor information, the recipient information and the donation data.
摘要翻译：自愿计算捐助者慈善捐款的方法，仪器和系统，并根据捐助者的愿望向批准和/或注册的接受者（如核准的慈善组织）分发慈善捐款。在一些实施例中，该方法包括在预定时间段内接收贡献者信息，接收者信息和捐赠数据，然后将来自多个贡献者的捐赠聚合成多个接收者贡献金额。该过程还包括在预定时间段结束时，基于贡献者信息，接收者信息和捐赠数据来向接收金融机构分配接收者捐款金额。

5. 发明申请

US20150012430A1 SYSTEMS AND METHODS FOR RISK BASED DECISIONING SERVICE INCORPORATING PAYMENT CARD TRANSACTIONS AND APPLICATION EVENTS 审中-公开
标题翻译：支付卡交易和申请活动的风险决策服务体系与方法
公开(公告)号：US20150012430A1
公开(公告)日：2015-01-08
申请号：US13934748
申请日：2013-07-03
申请人： MasterCard International Incorporated
发明人： John Delton Chisholm , Theunis Johannes Gerber , Peter J. Groarke , Ishfaq A. Lone , Mark B. Wiesman
IPC分类号： G06Q20/40
摘要： A method and system for evaluating a risk of fraud in a payment card transaction using a computer device coupled to a database are provided. The method includes receiving payment card transaction messages relating to a payment card account wherein the payment card transaction messages relate to interactions with a cardholder, an issuer of the payment card account, or an agent thereof. The method further includes receiving payment card account reputation messages that include historical data relating to the trustworthiness of the payment card account, comparing at least one data element in each payment card transaction messages to at least one data element in at least one of: the payment card reputation message and prior transaction history, and determining at least one of a risk of fraud of the transaction and a trustworthiness of the payment card account based on the comparison.
摘要翻译：提供了一种使用耦合到数据库的计算机设备来评估支付卡交易中的欺诈风险的方法和系统。该方法包括接收与支付卡帐户相关的支付卡交易消息，其中支付卡交易消息涉及与持卡人，支付卡账户的发行者或其代理的交互。该方法还包括接收包括与支付卡帐户的可信度相关的历史数据的支付卡帐户信誉消息，将每个支付卡交易消息中的至少一个数据元素与至少一个数据元素进行比较，其中至少一个：支付卡信誉信息和先前的交易历史，并且基于该比较来确定交易的欺诈风险和支付卡账户的可信赖性中的至少一个。

6. 发明授权

US10755273B2 Systems and methods for mapping non-validated data with validated data 有权
公开(公告)号：US10755273B2
公开(公告)日：2020-08-25
申请号：US15216925
申请日：2016-07-22
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Ionut Nistor
IPC分类号： G06Q20/40 , G06Q20/38
摘要： A data mapping (DM) computing device including a processor and a memory in communication with the processor is provided. The processor receives a plurality of validated data messages associated with a plurality of transactions through a first communication channel and receives a non-validated data message associated with a first transaction through a second communication channel. Each validated data message includes a plurality of validated data elements with a validated merchant identifier. The non-validated data message includes a plurality of non-validated data elements with a non-validated merchant identifier. The processor further compares the validated data messages and the non-validated data message, identifies a validated data message that is associated with the first transaction based on the comparison, maps the non-validated merchant identifier and the validated merchant identifier of the identified validated message, and stores the mapped merchant identifiers in a linked identifier table within the memory.

7. 发明申请

US20190087820A1 FALSE DECLINE ALERT NETWORK 审中-公开
公开(公告)号：US20190087820A1
公开(公告)日：2019-03-21
申请号：US15707706
申请日：2017-09-18
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Ahmed Hosny
IPC分类号： G06Q20/40
摘要： A method of operating a false decline alert network is implemented using an alert computing device. The method includes receiving a decline message from an issuer computing device via a non-transaction message communication channel, wherein the decline message includes decline data identifying a declined transaction initiated by an accountholder. The method also includes identifying, based upon the decline data, an upstream party to the declined transaction, and transmitting a false decline alert to a receiving computing device associated with the upstream party. The false decline alert includes (i) an identifier of the accountholder and/or a corresponding account associated with the declined transaction, and (ii) control instructions causing the receiving computing device to update at least one decline model with the identifier, wherein updating the at least one decline model counteracts an effect of the declined transaction on at least one future transaction involving the accountholder and/or the corresponding account.

8. 发明申请

US20160140558A1 PROVIDING ONLINE CARDHOLDER AUTHENTICATION SERVICES ON-BEHALF-OF ISSUERS 审中-公开
标题翻译：在线提供在线卡片认证服务
公开(公告)号：US20160140558A1
公开(公告)日：2016-05-19
申请号：US14926397
申请日：2015-10-29
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Brian John Piel
IPC分类号： G06Q20/40 , G06F17/30
CPC分类号： G06Q20/405 , G06F16/2358 , G06Q20/02 , G06Q20/12 , G06Q20/401
摘要： Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. The OBO issuer service computer then determines that an authentication value of the received purchase transaction authorization request message matches the authentication value of the stored authentication message, stores a record of the match, and transmits the purchase transaction authorization request to the payment network for purchase authorization processing.
摘要翻译：使用支付卡授权网络来代替（OBO）发卡机构提供持卡人认证服务来弥合持卡人认证和交易授权流程的方法和系统。在一些实施例中，该过程包括接收认证消息的OBO发行者服务计算机，将认证消息存储在交易数据库中，然后从支付网络接收购买交易授权请求消息。然后，OBO发行者服务计算机确定所接收的购买交易授权请求消息的认证值与存储的认证消息的认证值相匹配，存储匹配记录，并将购买交易授权请求发送到支付网络以进行购买授权处理。

9. 发明申请

US20160071105A1 SYSTEMS AND METHODS FOR USING SOCIAL NETWORK DATA TO DETERMINE PAYMENT FRAUD 有权
公开(公告)号：US20160071105A1
公开(公告)日：2016-03-10
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： 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.

10. 发明申请

US20150039506A1 METHODS AND SYSTEMS FOR PROVIDING 3-D SECURE SERVICE ON-BEHALF-OF MERCHANTS 审中-公开
标题翻译：提供三维安全服务的方法和系统
公开(公告)号：US20150039506A1
公开(公告)日：2015-02-05
申请号：US13958951
申请日：2013-08-05
申请人： MasterCard International Incorporated
发明人： Peter J. Groarke , Mark Wiesman , John Delton Chisholm , Theunis Johannes Gerber , Ishfaq A. Lone , Gregory Williamson
IPC分类号： G06Q20/40
CPC分类号： G06Q20/02 , G06Q20/3821 , G06Q20/401
摘要： Systems and methods for conducting 3-D Secure transactions on-behalf-of (OBO) merchants. In an embodiment, a payer authentication response (PARes) message indicating enrollment in the 3-D Secure OBO merchants authentication service is received from an access control server by a computer and stored. The computer later receives a purchase transaction authorization request message, determines that data of the purchase transaction authorization request message matches stored PARes message data, and then injects a UCAF into the purchase transaction authorization request message to generate an updated transaction authorization request message. The updated transaction request message is then transmitted to an issuer financial institution for 3-D Secure purchase transaction authorization processing.
摘要翻译：代表（OBO）商家进行3-D安全交易的系统和方法。在一个实施例中，指示登记在3-D Secure OBO商家认证服务中的付款人认证响应（PARes）消息由计算机从访问控制服务器接收并被存储。计算机稍后接收购买交易授权请求消息，确定购买交易授权请求消息的数据与存储的PARes消息数据匹配，然后将UCAF注入到购买交易授权请求消息中以生成更新的交易授权请求消息。然后将更新的交易请求消息发送给发行商金融机构进行三维安全购买交易授权处理。

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