Mastercard International Incorporated

Mastercard Technologies Canada Ulc

Yen Tran

Shanthan Subramaniam

Sandeep Malhotra

Mostafa Hussein Sabet

Brian Mukeswe

Sandeep Murugesh

Jeff L Wartes

Blake Elliott

Systems and methods are provided for identifying and blocking network interactions. One example computer-implemented method includes accessing, by a server computing device, access data associated with an interaction between a user and a virtual location of a first party, where the access data includes a common data element specific to the interaction and at least one click behavior, and accessing identity data associated with the interaction between the user and the virtual location, where the identity data includes the common data element specific to the interaction and identifying data associated with the user. The method then includes joining the access data and the identity data based on the common data element, generating a score based on the joined data and a model, where the sore is indicative of a probability of a type of the user, and reporting the generated score to the first party.

Systems and methods for use in blocking network traffic

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 transaction request is received. The transaction request includes a merchant identifier. The merchant identifier is for identifying a merchant. The merchant's banking details are appended to the transaction request. The transaction request, with the appended banking details, is transmitted to a user's bank. Confirmation is received that a transaction has been performed in accordance with the transaction request. A confirmation is transmitted to the merchant to indicate that the transaction has been performed.

Optical-scan triggered electronic funds transfer for purchase transaction

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Darien, CT, United States of America

Yen Tran