Mastercard International Incorporated

Rick Unnerstall

Christopher Eric Mullen

Brian Alfred Williams

Corey M Hively

Zhenni Hu

Jeffrey D Woods

Manoneet Kohli

Ankur Arora

Jaipal Singh Kumawat

Vikas Bishnoi

Shreya Mittal

Shuvam Sengupta

Nishant Maheshwari

Shubham Bijawat

James J Arnott

Emily Marie Thompson

Bradley Kenneth Dickinson

Navneet Kumar

Sai Sudha Venkata Chaganti

Manish Kumar

Deepak Yadav

John Young

Sri Chaitanya Sanaboina

Pulkit Gupta

Lakshmi Sushma Daggubati

Ke Zhou

Bernard Wong

Ping X Chen

Jacob Luebbers

Sunil Mandava

An augmented reality (AR) system for generating augmented reality reservation content using an AR computing device and an AR display device operated by a user is disclosed. The AR system is configured to receive, from the AR display device, image data, at least one user input, and geolocation data. The AR computing device is configured to process the image data using object recognition and the geolocation of the user to identify at least one object The AR computing device is further configured to communicate with an application programming interface (API) to obtain reservation data associated with the identified at least one object. The AR computing device is further configured to generate AR content associated with the received reservation data. The AR display device is configured to display the AR content on a display screen of the AR display device.

Systems and methods for generating augmented reality-based content

A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier. The payment processor computing device is further configured to store the registration secure token in memory, receive an authorization request message associated with a payment transaction initiated by the cardholder using the vehicle computing device in communication with a merchant computing device wherein the authorization request message includes a transaction secure token, authenticate the authorization request message by matching the transaction secure token to the registration secure token, embed a matching indicator within the authorization request message, and transmit the authorization request message with the embedded matching indicator to an issuer.

Systems and methods for processing data messages from a user vehicle

An electronic payment card processing system and method includes a host computing device having at least one processor in communication with a memory device and a multi-party payment processing network for processing payment-by-card transactions. The host computing device is configured to identify a first payment-by-card transaction between an enrolled cardholder and a first enrolled merchant that is processed over the multi-party payment processing network, identify at least one affiliated merchant of the first enrolled merchant; and send an affiliate incentive offer for the at least one affiliated merchant to the enrolled cardholder.

Payment card transaction systems and methods with instant geographic merchant incentive notification

A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.

Systems and methods for generating a shared payment via voice-activated computing devices

A sleep pattern analyzer (SPA) system for capturing and analyzing sleep data and sleep pattern data is provided. The SPA system is configured to receive sleep data associated with a user, the sleep data including a registered user identifier and at least one sleep time stamp, and store the sleep data in a sleep pattern database. The SPA system is also configured to receive transaction data for a transaction initiated by a consumer with a merchant. The SPA system is further configured to match the consumer identifier to the registered user identifier, generate a fraud notification message when the transaction time stamp overlaps with the at least one sleep time stamp, and transmit the fraud notification message to at least one of an issuer, the merchant, and the consumer associated with the consumer identifier.

Systems and methods for analyzing sleep data and sleep pattern data

Systems and methods are provided for facilitating network transactions through a virtual terminal assigned to a property. An exemplary method includes assigning, by a computing device, a virtual terminal to a property where the property is associated with a user and activating, by the computing device, the virtual terminal for an account associated with the user. The method also includes soliciting, by the computing device, transaction details from an initiating user, for a network transaction between an account associated with the initiating user and the account of the user, through the virtual terminal in an augmented reality environment when the initiating user is present at the property. The method additionally includes initiating the network transaction based on the transaction details received from the initiating user and the account associated with the user.

Systems and methods for providing services related to access points for network transactions

A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.

Method and system for storage and transfer of verified data via blockchain

An augmented reality (AR) system for generating AR-based profiles using an AR computing device and an AR display device is provided. The AR system is configured to detect a consumer computing device located at a predefined distance from the AR display device, and transmit an electronic request message to an electronic computer application stored on the consumer computing device. The AR system is also configured to receive an electronic response message from the consumer computing device, wherein the electronic response message includes AR consumer data, and retrieve, from a database, an AR-based profile associated with the consumer based on the AR consumer identifier. The AR system is further configured to transmit the AR-based profile in the form of AR data to the AR display device, and display the AR data on a display screen of the AR display device.

Systems and methods for generating augmented reality-based profiles

A geofence computing device, in communication with a user device and a payment processor, includes a memory and a processor in communication with the memory. The geofence computing device processor is configured to receive, from the user device, geofence data including a first user defined geofence zone having a first geographic area within a first geographic boundary, store the geofence data within the memory, receive, from the payment processor, from authorization request message transaction data representing a payment transaction initiated with a merchant by a cardholder associated with the payment processor, determine a geographic location of the merchant and a residence of the cardholder, compare the merchant geographic location and the cardholder residence geographic location to the first user defined geofence zone, and alert the user of the payment transaction based on the comparison. The transaction data includes at least one of a merchant location and a merchant identifier.

Systems and methods for analyzing consumer spending using geofencing

A sales tax analysis computing device is configured to: (i) build a database table of locality sales tax data, the database table comprising a plurality of sales tax rates, each sales tax rate of the plurality of sales tax rates associated with a particular locality; (ii) receive at least one of a) transaction data and b) a request from a mobile communications device of a user for locality sales tax data; (iii) determine a first locality associated with at least one of a) the transaction data and b) the mobile communications device; (iv) determine, based on the database table, a first sales tax rate associated with the first locality; (v) identify, based on the database table, at least one sales tax rate that is less than the first sales tax rate; (vi) generate a code snippet that includes the identified at least one sales tax rate; and (vii) provide the code snippet to the mobile communications device.

Systems and methods for providing an indication of local sales tax rates to a user

A geofence computing device for creating and monitoring geofence zones is described herein. The geofence computing device includes a processor and a memory. The processor is configured to receive geofence data from the user device, the geofence data including a user defined geofence zone and a geofence rule. The processor is also configured to receive transaction data. The processor is further configured to determine a geographic location of the merchant. The processor is also configured to retrieve the geofence data from the memory and compare the merchant geographic location to the user defined geofence zone. The processor is further configured to apply the geofence rule based on the comparison of the merchant geographic location to the user defined geofence zone. The processor is also configured to add a flag to the authorization request message indicating whether the transaction satisfies or violates the geofence rule.

Growing community of inventors

O'Fallon, MO, United States of America

Rick Unnerstall