Mastercard International Incorporated

Bank of America Corporation

Mastercard International Incorporated Purchase

Adam Kenneth Hosp

Christopher John Merz

Oran Cummins

Andrew J Smith

Michael K Forbis

Ted P Sanders, Jr

Sarala Buradagunta

David Colby Brown

Saravana Perumal Shanmugam

Matthew Richard Stocke

Stephen P Hendrix

Ahmed Hosny

Deborah Eleanor Barta

Ishfaq Lone

Piyushkumar Kanubhai Hirpara

Joshua G Monroe

Robert T Grothe, Jr

Matthew Wickman

Michael Hoole

Kosta Krauth

Marco Vicente

David M Grigg

Peter John Bertanzetti

Joshua A Allbright

Mostafa Hussein Sabet

Walter Francis Lo Faro

Stephen Elder

Derek Humphreys

Felix Johannes Flory

Joshua Kessler

Gregg Alan Hill

Stewart Boling

Stephen Toner

Paul Lawless

Tamara Lynn Arrington

Julia Sharon Gosset

Walter Lo Faro

Kimberly Ann Purcell

Siddique Hameed

David C Brown

Ramson Tutte

Malavika Singh

Sarah Louise Cunningham

Rebecca Fredric

Peter D Kaulbach

Warda Zahid Khan

Victor Lopes

Chengxi Li

Edward Kilbane

John Clerkin

A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

Method and system for conversational input device with intelligent crowd-sourced options

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

Systems and methods for multi access channels for authentication and consents

A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.

Systems and methods for authenticating online users and providing graphic visualizations of an authentication process

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

Systems and methods for securely opening APIS with cardholder authentication and consent

A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant.

Systems and methods for managing transactions for a merchant

A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The computer system determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders. The computer system also determines a merchant score for each of the plurality of merchants by comparing the merchant rank to the neutral merchant rank.

System, method, and non-transitory computer-readable storage media for recommending merchants

The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures.

Entity identification based on a record pattern

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.

Method and system for distribution of data insights

A database containing transaction data from at least one entity which makes payments with a payment network is maintained. Social network activity data from a social network is obtained for the at least one entity which makes payments with the payment network. The social network activity data and given records of the transaction data are integrated, to obtain integrated social media transaction visualization data. Techniques for providing purchase recommendations are also disclosed.

Social media transaction visualization structure

A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

Method and system for secured merchant verification

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.

Method and system for automatic reporting of analytics and distribution of advice using a conversational interface

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.

Method and system for providing sales information and insights through a conversational interface

A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

Method and system for intelligent routing of insights

Growing community of inventors

Lake St. Louis, MO, United States of America

Adam Kenneth Hosp