Mastercard International Incorporated

Mostafa Hussein Sabet

Simon Blythe

Deborah M Kimberg

David Colby Brown

Shanthan Subramaniam

Sandeep Malhotra

Adam Kenneth Hosp

Joshua Kessler

Matthew James Miller

Stephen Toner

Matthew Richard Stocke

Stephen P Hendrix

Yen Tran

David C Brown

Peter D Kaulbach

Martin Hargreaves

A method includes receiving a request for payment credentials. The request indicates an account from which payment for a transaction is to be made. A payment token is looked-up that corresponds to the indicated account. Dynamic expiry data and a dynamic token verification code are generated. As a response to the request, the looked-up payment token, the generated dynamic expiry data and the generated dynamic token verification code are transmitted.

Payment transaction process employing dynamic account expiry and dynamic token verification code

A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

Systems and methods for communicating with a magnetic reader head

A method includes receiving a first ACH (automated clearing house) transaction at a local (domestic) sponsor bank. The first ACH transaction originates from a domestic originating bank. In response to the first ACH transaction, a second ACH transaction is executed from the local sponsor bank to a foreign sponsor bank. The second ACH transaction includes addressing messaging. The addressing messaging indicates a receiving bank in the same country as the foreign sponsor bank. The receiving bank is designated to receive a third ACH transaction from the foreign sponsor bank to benefit a recipient's account at the receiving bank. The addressing messaging contains an account number to identify the recipient's account.

System and methods for international ACH transactions

A system, method, and computer-readable storage medium configured to facilitate gratuities to individuals and employees of establishments based on location.

System and methods for providing gratuity based on location

An exemplary method for distributing an offer to a mobile device includes identifying a location of a first mobile device, identifying offer preferences for a user of the first mobile device, and distributing the offer to the first mobile device. The offer is an offer for the purchase of goods or services, the offer meets the offer preferences of the user of the first mobile device, and the offer is encoded with a first offer identifier corresponding to the user of the first mobile device.

Method and apparatus for distributing advertisements using social networks and financial transaction card networks

Systems and methods for transmitting magnetic stripe data

Systems and methods for waveform transmission of transaction card data

Growing community of inventors

Greenwich, CT, United States of America

Mostafa Hussein Sabet