Mastercard International Incorporated

Anshul Pandey

Ashutosh Kumar Gupta

Dinesh Kumar Lal

Teja Chebrole

Tanika Gupta

Wardah Salman Akhtar

In one aspect, an apparatus for setting a dynamic user/issuer pairing is provided, comprising:

Apparatus and method for dynamic user/issuer pairing

When a payment transaction made by a user, a reminder data file is created including reminder items associated with the payment transaction. At least one of the reminder items is an image. Subsequently, a transaction statement listing one or more payment transactions is provided to the user, in a form in which each listed payment transaction is associated with an embedded link to the corresponding reminder data file, which permits the user to access the reminder data file. Thus, a user who is unable to recognize a payment transaction on the transaction statement, can use the statement to access the corresponding reminder items, to provide the user with a reminder of the details of the transaction.

Computerized methods and computer systems for verification of transactions

According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. The authentication server may also receive a user identifier input by the user via the writing device and verify that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input. The authentication server may then determine a payment identifier associated with payment account and transmit a payment authorization indication associated with the determined payment identifier.

Simultaneous multi-factor authentication systems and methods for payment transactions

Embodiments of the present invention can simplify the use of payment cards by capturing or generating an electronic image of a customer's payment card at the time of requesting a payment card transaction, and processing the electronic image to automatically determine required payment card information, including the payment card number, account name, and expiry date printed or otherwise represented on the payment card.

Payment card transaction authorization system and process

According to a first aspect of the invention, a computer-implemented method for determining an effectiveness of an electronic advertisement received at a user device is provided, the method including, at a server: receiving a notification message in response to the electronic advertisement being downloaded; generating a unique identifier and a time stamp in response to the download of the electronic advertisement, the unique identifier identifying the user device, and the time stamp identifying a time at which the electronic advertisement is downloaded; and receiving transaction data relating to a transaction initiated by the user using the downloaded electronic advertisement, the transaction data indicating the electronic advertisement has been used and including the unique identifier and the time stamp; determining the effectiveness of the electronic advertisement based on the transaction data and a relevance score of the user, the relevance score indicating the relevance of the electronic advertisement to the user.

Method and apparatus for determining an effectiveness of an electronic advertisement

A system and a method for transmitting payment card information are provided. The system includes at least one memory including computer program code configured to, with at least one processor, cause the system at least to (i) receive, from a capacitive touch sensor, input signals generated in response to conductive elements of a payment card that is placed on the capacitive touch sensor, the conductive elements disposed on the payment card information present on the payment card, (ii) determine, using th e input signals, an orientation of the payment card that is placed on the capacitive touch sensor, (iii) compare the determined orientation with a reference orientation associated with the payment card, (iv) generate computer-readable payment card information based on the input signals on a condition that the determined orientation corresponds to the reference orientation, and (v) transmit the computer-readable payment card information to a payment processor module.

System and method for transmitting payment card information, and payment card

A computer-implemented method for processing a payment-on-delivery (POD) transaction is provided. The method comprising (a) obtaining transaction information in respect of an order placed by a cardholder with a merchant, said transaction information comprising payment account information associated with the cardholder; (b) transmitting a pre-payment authorization code associated with the order to the cardholder; (c) receiving a payment authorization request from a communication device of the cardholder, said payment authorization request having been sent upon delivery of order merchandise, wherein the payment authorization request comprises a candidate pre-payment authorization code; (d) verifying the candidate pre-payment authorization code using the pre-payment authorization code; and (e) upon successful verification, transmitting a transaction request for effecting a payment from an issuing bank associated with the payment account, the transaction request comprising the payment account information. An apparatus is also proposed.

Methods and apparatus for processing a payment-on-delivery (POD) transaction

A method and system for issuing a payment medium for use in an electronic payment transaction. The method comprising the steps of identifying a user based on identification data received from the user at an Automated Teller Machine (ATM); receiving, at the ATM, a request from the user for a payment medium having a monetary amount and a validity period of the payment medium; generating, at the ATM, a code that is associated with the identification data, the monetary amount and the validity period and dispensing, at the ATM, the payment medium with the code.

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Gurgaon, India

Anshul Pandey