Mastercard International Incorporated

Todd Healy

Stephanie Yim

Joshua Joseph Baron

Nili Klenoff

David Lim

Murugalakshmanan Mariappan

Shane Travers Munie

Igor Faybyshev

A computer system is configured to provide a payment card security application programming interface (API) for providing a payment card security score to a partner entity computer system. Responsive to receipt of user identification data for a card holder from the partner entity computer system via the API, the computer system retrieves payment card electronic funds transfer (EFT) transaction data records corresponding to the card holder, and determines a transaction type and security level associated for the user's transactions. The computer system generates, based on the determined security level for each of the transactions, a security score for the card holder. The partner entity computer system provides the user identification data for the card holder to the payment card security API responsive to receipt of an authorization request for a new transaction. The partner entity computer system may determine whether to approve or deny the new payment card EFT transaction based upon the security score.

System and method for electronic funds transfer (EFT) security

Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page. When the smart button is selected by a user of the mobile device, the method may further include displaying a payment option selection screen that enables the user of the mobile device to select a payment card from any digital wallet from among the plurality of digital wallets as a method of payment for the transaction

System and method for mobile checkout

A method for intelligent routing for electronic wallet registration includes: storing, in a wallet database of a processing server, a plurality of wallet profiles, wherein each wallet profile includes a structured data set related to at least one electronic wallet including at least one or more wallet identifiers and one or more identification numbers; receiving, by a receiving device of the processing server, a wallet request from a computing device, wherein the wallet request includes at least a primary account number; executing, by a querying module of the processing server, a query on the wallet database to identify a specific wallet profile where one of the included one or more identification numbers corresponds to the primary account number; electronically transmitting, by a transmitting device of the processing server, at least one of the one or more wallet identifiers included in the identified specific wallet profile to the computing device.

Method and system for intelligent routing for electronic wallet registration and usage

Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page. When the smart button is selected by a user of the mobile device, the method may further include displaying a payment option selection screen that enables the user of the mobile device to select a payment card from any digital wallet from among the plurality of digital wallets as a method of payment for the transaction.

Growing community of inventors

Brooklyn, NY, United States of America

Todd Healy