Mastercard International Incorporated

Mastercard International Incororated

Shawn J Mehrhoff

Christopher T Scholl

James W Barkhurst

David Vorhies

Madeline Mueller

Regan E Harmon

Dan A Durbin

A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.

System and method for securely transacting over a landline

Techniques are provided for managing a user's digital identity. A method includes providing an option to setup a digital identity on a computing device. The method includes requesting a scan of a physical document that includes personal identifying information of the user. The computing device captures an image of the physical document, and also captures a biometric of the user. The image and the biometric are transmitted to an identity provider for user verification. A digital identity token is received from the identity provider as evidence of the identity of the user. A request to link a financial account of the user to the digital identity token is transmitted to a financial institution of the user. The method includes receiving a billing link identifier from the financial institution. The digital identity token and the billing link identifier are then stored in a personal data store on the computing device.

Systems and methods for healthcare ID

A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

Biometric sensor system and method for monitoring a driver of a vehicle

A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.

System and method for implementing a virtual caregiver

A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.

Systems and methods for triggering location-based mobile device events using geo-fencing

Described herein is a computing system for linking products and containers to cardholders. The computing system is configured to receive transaction data associated with a transaction carried out by a cardholder, the transaction data including an account identifier associated with the cardholder, a product identifier, and a container identifier associated with a product purchased in the transaction. The computing system also links the product identifier and the container identifier to the account identifier, and stores the linked product identifier, container identifier, and account identifier. The computing system receives, from a user device, the container identifier associated with the container received by a user associated with recycling the container, determines the account identifier linked to the container identifier associated with the product received by the user, and automatically provides a reward to the cardholder via the account identifier.

Methods and systems for rewarding recycling of containers and collecting container metrics

A token management computing system for provisioning a payment token to a token storage device for a payment transaction is provided. The token management computing system includes a user computing device in communication with the token storage device and a token management server that includes at least one processor communicatively coupled to a memory device. The at least one processor is programmed to (i) receive, from the user computing device, a token request for a payment token, the request including a payment account number (PAN) selected from a digital wallet stored on the user computing device, and at least one token control, (ii) store token information including the PAN and the at least one token control, (iii) generate a single-use payment token, (iv) transmit the token to the user computing device, and (v) instruct the user computing device to transfer the token to the token storage device.

Systems and methods for provisioning a token to a token storage device

A rollable payment card is shiftable between a flat configuration and a rolled configuration via a manual rolling process. The payment card comprises a verification element, a processor, an electronic display unit in communication with the processor, and a power element providing electrical power to the display unit. The electronic display unit includes an electronic display region configured to display an image. The electronic display region is manually rollable. The payment card in the flat configuration presents horizontally spaced apart first and second ends and vertically spaced apart top and bottom edges. The first end overlaps the second end during the course of the rolling process, with the first end being disposed arcuately past the second end when the payment card is in the rolled configuration.

Flexible payment card

A system, computer-readable media and computer-implemented method for automated location interaction management. User input at least partly defining an item is received and stored via a mobile electronic device. A location interaction trigger for the item is automatically determined to have occurred, based at least in part on a geolocation of the mobile electronic device. An alert is generated describing the item for display on a display of the mobile electronic device.

System, computer-readable media and computer-implemented method for automated location interaction management

A power calculating (PC) computing device including a processor and a memory in communication with the processor, the processor programmed to retrieve power supply data from a renewable energy device, wherein the power supply data includes at least one measurement associated with renewable power generation, retrieve power status data from an accumulator, retrieve power demand data from a power monitor device associated with an electrical device, retrieve utility status data from a utility data provider, generate aggregate power data based on the power supply data, the power status data, and the power demand data, and calculate a power cost metric based on the aggregate power data and the utility status data.

Growing community of inventors

Saint Ann, MO, United States of America

Shawn J Mehrhoff