Mastercard International Incorporated

Bejoy Lucy Mathew

Bhargav Jagdishchandra Modi

Navjot S Sidhu

Arvind Jangi

Steve Podgorski

Gary VonderHaar

Nilambuj Singh

James Maus

Vijayanath K Bhuvanagiri

The disclosure herein describes receiving, analyzing, and routing a transaction to a priority processing network based on routing rules. A transaction message associated with an electronic credit transaction is received, the transaction message including transaction data. Routing rules are accessed from a routing rules data store and at least one category of the electronic credit transaction is determined based on the transaction data. A routing score is calculated based on an application of the routing rules to the at least one category. Based on the calculated routing score, the transaction message is routed to a priority processing network, wherein processing the electronic credit transaction by the priority processing network includes a direct funds transfer between a payer account and a payee account. The described system provides flexible, efficient routing of transactions to the priority processing network for rapid processing based on the preference for or urgency of the transactions.

Routing transactions to a priority processing network based on routing rules

A virtual reality headset device is disclosed. The virtual reality headset device comprises: a secure storage configured to store a tokenized account identifier for a payment card account; an interface configured to enable to virtual reality headset to couple to at least a first communication device and a second communication device; a computer processor; and a data storage device, the data storage device storing instructions operative by the processor to: generate a first transaction authorization request using the tokenized account identifier for the payment card account; send the first transaction authorization request over a communication network via the first communication device; generate a second transaction authorization request using the tokenized account identifier for the payment card account; and send the second transaction authorization request over a communication network via the second communication device.

Virtual reality headset device and payment method

Systems, methods and apparatus are described for securely authenticating a user at an appropriate level of security depending on context. A system embodiment includes a meta-wallet system platform, a user mobile device, and a plurality of entity computers. A meta-wallet processor receives a user authentication request from a user mobile device including a meta-wallet identifier, an entity identifier, a context identifier, and at least one of user biometric data, user personal assets data, and user social media data. The meta-wall processor then determines that the user is a registered meta-wallet user, defined at least one security protocol, and is engaging in a predetermined type of activity. A security protocol is then selected, and a determination made that a combination of personally identifiable assets data and user biometric data and/or user social media data matches stored data and satisfies the security protocol. The meta-wallet processor then transmits a user authentication confirmation message to the user mobile device and/or to an entity computer.

Methods, apparatus and systems for securely authenticating a person depending on context

Systems and methods are provided for use in deploying an application to one or more different regions. One exemplary method includes selecting, at a deployment device, a stack defining the application. The stack includes metadata and incorporates at least one user interface and at least one application programming interface (API). The exemplary method further includes adapting, by the deployment device, the selected stack to a region based on the metadata and the region; and deploying the application to be accessible to at least a consumer in said region.

Systems and methods for use in deploying applications in different regions

Methods, apparatus and systems are described for securely authenticating a person at an appropriate level of security depending on context without having to enter any passwords. In some embodiments, a meta-wallet processor receives a request for user authentication from a user device which includes a meta-wallet identifier, an entity identifier, a context identifier and user biometric data and/or user personal assets data, and/or user social media data. The meta-wallet processor determines that the user is registered meta-wallet user and is engaging in a predetermined type of activity, selects an authentication protocol, determines that the user biometric data and/or user personal assets data, and/or user social media data matches stored personal meta-wallet data and satisfies the authentication protocol, and then transmits a user authentication confirmation message to one of the user device and an entity computer associated with the entity identifier.

According to some embodiments, an identification card may be provided with a processor, coupled to a substantially card-shaped body, executing an operating system. A substantially planar display device may also be coupled to the card-shaped body and communicate with the processor to provide visual information to a cardholder. A storage unit, coupled to the card-shaped body and in communication with the processor, may store a plurality of image files. According to some embodiments, execution of the operating system results in a selection of one of the image files to be provided on the display device.

Growing community of inventors

Dardenne Prairie, MO, United States of America

Bejoy Lucy Mathew