Mastercard International Incorporated

Erica Joann Robeen

Richard B Unnerstall

Linda M Mautz

Venkataraman Rajaraman

Mrutunjaya Mishra

A computer-based method for providing a loyalty identifier to a merchant using a payment network is described. The method includes storing data including at least one loyalty identifier associated with a cardholder enrolled in a loyalty program and a corresponding payment card identifier, receiving a first authorization request message for a payment transaction initiated by a first cardholder using a first payment card at an originating merchant, the first authorization request message including a first merchant identifier and a first payment card identifier, determining a first loyalty program associated with the originating merchant based in part on the first merchant identifier and the data stored in the memory, determining a first loyalty identifier associated with the first cardholder for the first loyalty program based in part on the first payment card identifier and the data stored in the memory, and providing the first loyalty identifier to the originating merchant.

Systems and methods for connecting merchant loyalty programs with payment cards

A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device.

Method and system for transfer of consumer data to merchants

Systems and methods for use in managing receipts associated with payment account transactions are disclosed. One exemplary method includes intercepting, by a computing device, an authorization message associated with a transaction involving a payment account and a merchant. The method also includes accessing, by the computing device, a profile for the payment account where the profile includes a vault location in a receipt vault data structure specific to the payment account, and appending, by the computing device, the vault location to the authorization message, whereby the merchant is permitted to deposit a receipt for the transaction at the vault location in the receipt vault data structure.

Systems and methods for managing receipts for payment account transactions

Embodiments of the disclosure enable a system to provide notification services. The system receives account selection data associated with one or more cardholder accounts, identifies contact data corresponding to one or more issuer devices associated with the one or more cardholder accounts, generates notification data associated with the one or more cardholder accounts for notifying one or more issuers associated with the one or more cardholder accounts, receives transaction data associated with one or more financial transactions, and analyzes the received transaction data to generate wallet data corresponding to the transaction data for providing an opportunity to manage the one or more financial transactions. Aspects of the disclosure provide for transmitting notification data in an efficient and user-friendly manner.

Growing community of inventors

Hardin, IL, United States of America

Erica Joann Robeen