Mastercard International Incorporated

Michael Cardamone

Roopa Vaidya

Cindi Pitz

Arun Elangovan

Steven Bruce Oshry

Aarti Sharma

Rajesh Chopra

Michael Thomas McNamara

Juan Carlos Gonzalez

Heather Marie Kowalczyk

David Weis

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by the user device, the user-provided authentication data.

Methods and system for real-time fraud decisioning based upon user-defined valid activity location data

Systems and methods are provided for implementing an interactive loyalty reward program for transactions conducted at transaction terminals, for instance, consumer purchase transactions conducted at a point-of-sale terminal. The system includes a server configured to monitor and identify qualifying transactions under the reward program. The server also coordinates operation of consumer-facing devices accessible to the consumer at the point-of-sale. The consumer-facing devices include an interactive value generator (IVG), which is configured to provide a game-like experience to consumers and interactively generates unspecified reward values for qualifying transactions. A loyalty reward application executing on the transaction terminal is also provided to guide consumer interaction with the IVG and communicate the generated reward values to the server. The server is further configured to calculate loyalty reward amounts for respective transactions based on the generated reward values and prescribed terms of corresponding loyalty reward programs.

Interactive loyalty reward system and method

An on-demand ecosystem (ODE) computing device for integrating on-demand delivery services with purchase transactions is provided. The ODE computing device receives item data from a registered merchant, and receives availability data from at least one registered carrier. The ODE computing device further provides a searchable interface that enables a user to search for item data from the registered merchant, and receives a selected item from the user via the searchable interface. The selected item is offered for sale by the registered merchant and includes a selected pick-up location. The selected item is to be delivered to the user from the selected pick-up location. The ODE computing device also allows either the registered merchant or the user to select one of the at least one registered carriers, and processes a payment transaction for the selected item including an item price and a delivery fee.

On-demand purchasing and delivery ecosystem

A method for consumer verification of a payment transaction that exceeds previously established account limitations includes: storing account profiles, each including data related to a transaction account including a primary account number and transaction controls; receiving a transaction message related to a payment transaction including a specific primary account number, a point of sale identifier, and one or more additional data elements configured to store transaction details; identifying a specific account profile that includes the specific primary account number; determining that the payment transaction exceeds the account controls in the specific account profile based on the transaction details; transmitting question data for a plurality of questions to a point of sale associated with the point of sale identifier; receiving answer data from the point of sale; and transmitting the transaction message to a financial institution based on the answer data.

Method and system for verification at point of sale

A computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of the point of sale device and a user mobile device, the at least one authentication request message.

Growing community of inventors

New Windsor, NY, United States of America

Michael Cardamone