Mastercard International Incorporated

Zhenni Hu

Brian Alfred Williams

Rick Unnerstall

Christopher Eric Mullen

Ke Zhou

Emily Marie Thompson

Ping X Chen

Gregory Marifian

Saritha Tirunagari

A convertor computing device operable to reduce cross-border traffic over a network is provided. The convertor computing device is configured to store institution profile data associated with an institution and user profile data for a plurality of users associated with the institution. The convertor computing device is also configured to generate, based on the user profile data, sets of transfer data, each set identifying a recipient, associated recipient country, and transfer amount from a user. The convertor computing device is also configured to aggregate individual transfer amounts into a batch transfer amount based on matching recipient country, transfer the batch transfer amount in a single cross-border transaction from an institution account to a batch receiver in the matching country, and generate an instruction data file that instructs the batch receiver to distribute the individual transfer amounts to the associated recipients within the matching country.

Methods and systems for reducing cross-border traffic over a network

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

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

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St. Charles, MO, United States of America

Zhenni Hu