Mastercard International Incorporated

Peter J Groarke

Ahmed Hosny

Sharon Amy Rosano

Michelle L Hafner

Mikhail Blinov

Mark Wiesman

John D Chisholm

Theunis J Gerber

John McGuire

Frederick Michael Pacher

Hubert Graja

Edwin V Diekemper

Peter Corrigan

Dawid Nowak

Brian John Piel

Prasad Krishnamoorthy Rao

John Allen

Stephen Whitney

Fred M Pacher

Tammy Lynn Hawkins

Olivia Leonard

Wade Plummer

Stephen Lennon

Haritha Nannapaneni

Edwin Diekemper

Sivakumar Janardhanam

Sunil Kadam

Ionut Nistor

Rahul Kumar Tyagi

Ashley Waldron

Mark B Wiesman

Ishfaq A Lone

John Delton Chisholm

A network services bridge system including a direct service access ('DSA') platform is provided. The DSA platform includes a processor configured to receive a request data signal including one or more identifiers, and query a registered services database using the one or more identifiers, where the query returns an identification of a plurality of services for which the one or more identifiers is registered. The processor is also configured to receive, from a first services platform, a first services result signal indicating a result of an application of a first service to the request data signal, receive, from a second services platform, a second services result signal indicating a result of an application of a second service to the request data signal, and transmit a response data signal that includes a consolidated response code indicating whether the authorization process should be completed based on the first and second result signals.

Systems and methods for implementing off-network services

The invention provides a user input mechanism for reordering of items displayed on a display in which the user is focused on item order, not item position as in the case of a drag and drop operation. The user selects one or more GUI elements displayed on a display of a data processing device in a desired order, where the time between each adjacent selected GUI element is less than a threshold time. Upon detection that no further selection has been made within the threshold time, the data processing device interprets the user as having completed their selection. At this point the selected one or more GUI elements are reordered based on the order that they were selected by the user, with any unselected GUI elements being placed before or after the reordered GUI elements as appropriate. The user is now free to make further selections if necessary.

User input mechanism for reordering graphical elements

A computer-implemented method is provided for removing access to data, comprising: receiving a request from the user to delete the user data; suspending control of the user data; generating a second database comprising the user data under full control of the user; deleting the user data from the database; and, on request re-integrating the user data into the same database or integrating into a further database. By providing a database under complete control of the user and outside the control of any database manager or service provider, users are given more freedom to decide what to do with their data. They can choose to protect it, or to monetize it themselves by selling it or licensing it. They can also create a plurality of copies, allowing sales to more than one database manager or service provider.

Computer-implemented method for removing access to data

A method for dispute resolution for a blockchain transaction includes: receiving, by a receiver of a processing server, a blockchain transaction identifier and a dispute reason code from a first computing device of a blockchain network, the blockchain transaction identifier and the dispute reason code comprising a dispute request, the blockchain transaction identifier identifying a transaction on a blockchain; transmitting, by the receiver of a processing server, the blockchain transaction identifier and the dispute reason code to a processing device of the processing server; identifying, by the processing device of the processing server, the transaction, a merchant blockchain address, and a currency amount within a blockchain data value of the blockchain based on the blockchain transaction identifier; determining, by the processing device of the processing server, the transaction is invalid; and performing, by the processing device of the processing server, a dispute resolution process for the blockchain transaction.

Method and system for dispute resolution in a public blockchain

An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides the account data to requesting parties. The ABU manager computing device tracks access to the stored account data via an ABU traffic data source. ABU manager computing device may also track transaction-related messages corresponding to the stored account data in a transaction traffic data source. In certain embodiments, ABU manager computing device may generate and transmit notifications based on data stored in one or more of the stored account data, the ABU traffic data source, and the transaction traffic data source.

Systems and methods for tracking access data to a data source

A method for real-time settlement of financial institutions for a standard electronic payment transaction using a blockchain network includes: receiving a response message for a financial transaction from an issuing institution via payment rails including a transaction amount, issuer identifier, and acquirer identifier; identifying a public key using the acquirer identifier and a private key using the issuer identifier; generating a destination address using the public key and a digital signature using the private key; transmitting a blockchain transaction request to a node in a blockchain network using an alternative communication network including the destination address, digital signature, and transaction amount; receiving a confirmation message from the node including a transaction hash value; modifying the response message to include the transaction hash value; and transmitting the modified response message to an acquiring institution using the payment rails.

Method and system for currency-agnostic real-time settlement

A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

Systems and methods for communicating liability acceptance with payment card transactions

An automatic billing and cardholder profile updater (ABCPU) computing device is provided. The ABCPU computing device receives an update request including an account identifier and associated with a candidate payment account over a first network, retrieves billing data associated with the candidate payment account from a billing database that stores billing data associated with a plurality of payment accounts, generates a card profile query including the account identifier, transmits the card profile query over a second network separate from the first network, receives card profile data associated with the candidate payment account from a card profile database that stores card profile data associated with a plurality of payment accounts, generates an update response including the retrieved billing data and the received card profile data, and transmits the update response over the first network to at least one of an acquirer and a merchant associated with the update request.

Multi-network systems and methods for linking stored on-file data with profile data

The present disclosure relates to methods and systems for placing and processing a payment transaction for an order for one or more products. A method of processing a payment transaction for an order for one or more products is provided. The method comprises: receiving an authorization request message comprising: a token PAN associated with a payment account and with an electronic device configured to detect the presence of the one or more products. It is determined that the payment transaction should be processed according to a delayed clearing protocol. A clearing presentment file comprising at least one clearing presentment message is received. The payment transaction is processed according to a delayed clearing protocol by determining whether the network server has received a receipt message from the electronic device and, if not, returning an error message to the first financial intuition indicating that the clearing presentment message has been rejected.

Methods and systems for IoT enabled payments

An method to detect anomalies in financial transactions which may be used to assess a risk of fraud is provided. The method comprises providing a computer-implemented approval log which stores a primary account number and one or more transaction attributes from a plurality of approved financial transactions associated with the primary account number. A computer-implemented approval anomaly detector is also provided to assess the plurality of approval events. These anomalies are then made available to one or more parties associated with the payment interchange network.

Anomaly detection method for financial transactions

A method for dispute resolution for a blockchain transaction includes: receiving a dispute request from a first computing device including a blockchain transaction identifier and a reason code; identifying a blockchain data value included in a blockchain that includes the blockchain transaction identifier, a merchant blockchain address, and a currency amount; determining eligibility of the blockchain data value for reversal based on application of one or more reversal rules to at least one of: transaction data included in the blockchain data value or external data identified from the transaction data included in the blockchain data value; performing a dispute resolution process for the blockchain data value that includes receiving a merchant digital signature from a second computing device; and transmitting the merchant digital signature and the currency amount to a node in the blockchain network associated with the blockchain.

A computer-implemented method for applying enrichment services hosted on a second interchange network to a payment transaction initiated over a first interchange network is provided. A transfer process module hosted on the first interchange network receives a first service request from a requestor, formatted in accordance with a first set of proprietary communications standards associated with the first payment network, and transforms the first service request to a second service request formatted in accordance with a second set of proprietary communications standards associated with the second payment network. An enrichment services computer system hosted on the second interchange network receives the second service request and generates a first service response formatted in accordance with the first set of proprietary communications standards. The first service response is transformed at the transfer process module to create a second service response formatted in accordance with the second set of proprietary communications standards.

Systems and methods for processing off-network transaction messages

A data update computing device is provided. The data update computing device receives, from one of a user computing device and a first relying party computing device, a first access authorization message, wherein the first access authorization message identifies (i) a first relying party and (ii) a first user data element of the user to be shared with the first relying party. The data update computing device generates a first globally unique identifier (GUID), wherein the first GUID is uniquely associated in a first record in a GUID database table with the first user data element and the first relying party; receives an updated value of the first user data element of the user; stores the updated value of the first user data element in the first record, and flag the first record as updated in the GUID database table; and transmits the first GUID to the first relying party.

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Dublin, Ireland

Peter J Groarke