Mastercard International Incorporated

John O'Neill

Prashant Sharma

Matthew Edward Hopkins

Eric Alger

Jenny Qian Zhang

Joshua Joseph Baron

Gregg Alan Hill

Richard David D'Erizans

Justin Thomas Katen

Cynthia Elizabeth Pilling

Shasidhar Vemireddy

Scott W Anderson, Jr

Matthew R Cahalin

Ryan T Dunn

James B Schelker

Jennifer Boschert

Embodiments of the disclosure enable a merchant system to locally process one or more financial transactions at the merchant system. The merchant system receives a payment request associated with a financial transaction, determines a network communication status associated with a network interface device coupleable to a payment processing network, and, on condition that the network communication status does not satisfy a network communication threshold, obtains an account threshold associated with a cardholder account, generates transaction data associated with the financial transaction based on the account threshold, presents an indication associated with the financial transaction, and stores the transaction data for later transmission of the transaction data to the payment processing network. Aspects of the disclosure provide for processing one or more financial transactions at a merchant system independent of a payment processing network.

Systems and methods for locally processing a financial transaction

A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. The computer system is programmed to identify a security level from a plurality of security levels for each computer application within the plurality of computer applications. The plurality of security levels include at least a first-tier security level and a second-tier security level. The second-tier security level requires additional authentication information as compared to the first-tier security level. The computer system is also programmed to create a user account for a user within the memory device with the first-tier security level, and to determine that the user account requires the second-tier security level, and prompt the user to enter the additional authentication information. The computer system is also programmed to promote the user account to the second-tier security level.

System and method for graduated security in user authentication

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Darien, CT, United States of America

John O'Neill