Mastercard International Incorporated

Michael Jason Friedman

Derek Humphreys

Charles Sangwon Lee

Scott Moser

Celine Martig

Shoshana C Rosenfield

Prashant Sharma

Oran Cummins

Matthew Edward Hopkins

Stephen Elder

Garry Lyons

Richard Burdett

John Cacioppo

Shoshana Rosenfield

Stephen Whitney

Ngassam Ngnoumen

Zavida Mangaru

Tina Doran

Mouna Fouillade

Mehmet Pasa

Rupa Subramanian

Richard Cheng

Vitorino Jose Lopes

Amyn Dhala

John F Cacioppo

John F Cacioppa

A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.

Systems and methods to enable payments in the absence of a point of sale device

With a virtual/augmented reality environment management server, first and second computer display devices associated with first and second remote client computing devices are caused to each display first and second avatars in at least one of a virtual reality environment and an augmented reality environment. The avatars represent first and second human users of the remote client computing devices. At the virtual/augmented reality environment management server, data is obtained indicating that a predetermined gesture sequence has occurred between the avatars; in reliance on the data, the virtual/augmented reality environment management server causes an authentication/transaction management server to take at least one action outside the at least one of a virtual reality environment and an augmented reality environment; and causes a confirmation at the first and second remote client computing devices, that the action taken in reliance on the data indicating that the predetermined gesture sequence has occurred.

Handshake to establish agreement between two parties in virtual reality

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes requesting product data for a merchant, receiving the product data from the merchant, displaying the product data to a user at a vehicle, and receiving a selection of a product therefrom by the user. The method then includes creating an order object for the selected product and appending a vehicle signature, for the vehicle, to the order object. The vehicle signature may include a condition of the vehicle, a sound or vibration of the vehicle, and/or a vehicle identifier modified by an operator. The method then further includes matching the order object to a transaction object for the selected product based on the vehicle signature, and transmitting a purchase order to the merchant for the selected product, based on the order object and the transaction object.

Systems and methods for utilizing vehicle connectivity in association with payment transactions

An indication is obtained of interaction of a putative human user with a computing device. Responsive to the indication, presentation of a haptic pattern to the putative human user is facilitated; the pattern is not amenable to machine perception. Prompting of the putative human user to input information indicative of human perception of the pattern is facilitated. Information input by the putative human user is obtained responsive to the prompting. When the information input by the putative human user indicates that the putative human user is an actual human user, the interaction is permitted to continue. Haptic techniques are also provided for access control and/or to defend against malevolent web sites which masquerade as legitimate web sites.

Haptic feedback for authentication and security in computer systems

A web site map of an external site, including information permitting determination of at least one pertinent location on the site, is obtained at a rules engine. At least one rule specifying peripheral behavior in a region adjacent the at least one pertinent location on the site is also obtained at the engine. Furthermore, an indication that a peripheral device corresponding to the at least one rule is being used to browse the site is also obtained at the engine. Instructions corresponding to the at least one rule specifying the peripheral behavior in the region adjacent the at least one pertinent location on the site are dispatched from the rules engine to the peripheral device. The instructions are configured to cause a stimulus to a user of the peripheral device prior to the user attempting to consummate an action on the web site.

Haptic interaction

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

System and method to enable a network of digital wallets

A method for displaying product details on a consumer device includes: preparing digital media for display on the device; detecting whether the digital media includes at least one product available for purchase; receiving a plurality of product data sets, each set associated with a product identifier and product details for an available product, the product details including information to initiate a transaction for the product; identifying an index of products in the digital media, the index including for each product a display location and a product identification number; receiving an indication from a user identifying a selected product in the digital media based on a display location in the digital media of the product and/or selection from a listing of the product in the index; retrieving product details for the product based on the product identification number and the product identifier; and displaying the retrieved product details.

Method and system for displaying product information on a consumer device

Growing community of inventors

Stamford, CT, United States of America

Michael Jason Friedman