Mastercard International Incorporated

Joshua Joseph Baron

Prashant Sharma

Deepankar Bhagat

Murugalakshmanan Mariappan

Eric Alger

Matthew Edward Hopkins

Jenny Qian Zhang

Gregg Alan Hill

Todd Healy

Richard David D'Erizans

Justin Thomas Katen

Cynthia Elizabeth Pilling

Jason Eckert

John O'Neill

Scott W Anderson, Jr

Matthew R Cahalin

Ryan T Dunn

James B Schelker

John D O'NEILL

Richard D D'ERIZANS

Justin T Katen

Cynthia E Pilling

A computer system is configured to provide a payment card security application programming interface (API) for providing a payment card security score to a partner entity computer system. Responsive to receipt of user identification data for a card holder from the partner entity computer system via the API, the computer system retrieves payment card electronic funds transfer (EFT) transaction data records corresponding to the card holder, and determines a transaction type and security level associated for the user's transactions. The computer system generates, based on the determined security level for each of the transactions, a security score for the card holder. The partner entity computer system provides the user identification data for the card holder to the payment card security API responsive to receipt of an authorization request for a new transaction. The partner entity computer system may determine whether to approve or deny the new payment card EFT transaction based upon the security score.

System and method for electronic funds transfer (EFT) security

A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device including at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method includes receiving a selection message from the buyer computing device indicating a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method includes reserving at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

Systems and methods for facilitating multi-party payment transactions

A method for generating a plurality of vector images with specified dimensions includes: storing a composite image comprised of one or more base vector graphics images; receiving a data file from an external computing system, wherein the data file includes a plurality of dimensional data sets, each dimensional data set comprising at least a length and a height; parsing the received data file to identify each of the plurality of dimensional data sets and the associated length and width; generating a vector graphics image file for each of the plurality of dimensional data sets, wherein the vector graphics image file comprises an image based on the stored composite image and has dimensions based on the length and height associated with the respective dimensional data set; and transmitting the generated vector graphics image file for each of the plurality of dimensional data sets to the external computing system.

Method and system for generation of vector graphics

A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

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

Growing community of inventors

Wildwood, MO, United States of America

Joshua Joseph Baron