Mastercard International Incorporated

Aaron Braundmeier

Brian Marsh

Anthony Hake

The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.

Tokenization request handling at a throttled rate in a payment network

Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.

Single-use payment tokens

A method of evaluating real-time computer faults and using a fault evaluation (FE) platform is provided. The method includes ingesting log data associated with a computer system, the log data includes a plurality of fault events, a fault severity identifier associated with at least one fault event of the plurality of fault events. The method also includes selecting, from the plurality of fault events, a fault event set which corresponds to a time window and includes the at least one fault event. The method further includes generating a fault score for the at least one fault event and an aggregate fault score. The method also includes determining that the aggregate fault score exceeds a predefined threshold, and providing, to a configuration management platform, instructions to initiate a hardware component remediation process.

Systems and methods for real time computer fault evaluation

A system for generating queries accesses a query history for a user. The query history includes a plurality of queries having defined query parameters. The query parameters are extracted from the plurality of queries and input into a neural network. The neural network generates an output corresponding to a predicted query the output is used to generate a predicted query and run the predicted query to generate a query result. By running the predicted query prior to a user requesting the query, results are thereby provided without lengthy processing delays when the user requests the predicted query.

Predicting queries using neural networks

The methods described herein are configured for authenticating a user identity. Fingerprint data is collected from a digit via a fingerprint sensor and heartbeat data is collected from the digit, via an optical heartbeat sensor, based on light projected from a light source. The collected fingerprint data is verified by comparison to stored fingerprint data associated with the user identity. The collected heartbeat data is used to detect the presence of a heartbeat. Based on a successful verification of the collected fingerprint data and a successful detection of the heartbeat, the user identity is authenticated. Authenticating the user identity based on both fingerprint data and heartbeat data enhances the security of the authentication process by preventing fraudulent use of fingerprints.

User authentication via fingerprint and heartbeat

The disclosure herein describes automatically unsubscribing from automated calls based on automated call audio patterns. Audio data of an incoming call is accessed and an incoming call audio pattern is generated based on the audio data of the incoming call. The incoming call audio pattern is compared to an automated call audio pattern set by a call screening engine. Based on the comparison, the user is prompted for a call response instruction. Based on the call response instruction from the user, the call screening engine identifies an unsubscribe operation indication in the incoming call audio pattern, performs an unsubscribe operation associated with the identified unsubscribe operation indication, and updates the automated call audio pattern set based on the incoming call audio pattern. The disclosure enables efficient handling of automated calls and reduces user interaction necessary to unsubscribe from associated call lists.

Growing community of inventors

St. Peters, MO, United States of America

Aaron Braundmeier