Mastercard International Incorporated

Bruce William MacNair

Justin X Howe

Todd Christian Lowenberg

Gary Randall Horn

Kimberly Ann Martin

Thomas Joseph Sellner

Richard Thomas Flynn

Ana Paula Martinez Prada Peyser

Cristobel Kay Von Walstrom

Peter Julian Ramon Antonio R Flor

Raegen Ann-Marie Lang

Jason Alexander Kiorosec

A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with 'do not recognize' calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

Merchant data cleansing in clearing record

A computer-implemented method for determining device location of a user device within a venue using a wireless positioning system is provided. The method includes identifying a plurality of signal sample sets, wherein each signal sample set includes a sample location within the venue and one or more wireless signal strengths of associated wireless access points positioned at the venue, wherein the sample location is determined based on location data associated with a corresponding payment card transaction within the venue. The method also includes receiving a subject wireless signal strength sample of the wireless access points captured by the user device at an unidentified location within the venue. The method further includes determining a subject location of the user device based on the plurality of signal sample sets and the one or more subject wireless signal strength samples, and providing the subject location of the user device within the venue.

Systems and methods for determining device location using wireless data and other geographical location data

Growing community of inventors

Stamford, CT, United States of America

Bruce William MacNair