The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 16, 2024
Filed:
Jul. 16, 2020
Mastercard International Incorporated, Purchase, NY (US);
Marek Kurylko, Bloomfield, NJ (US);
Joseph Hayes, Montclair, NJ (US);
Eugene Reda, Little Falls, NJ (US);
Mastercard International Incorporated, Purchase, NY (US);
Abstract
A method and a system are provided for processing payment card transactions in conjunction with a user device configured to detect intoxicated use. The user device includes a behavior detection application which can detect whether a user is intoxicated using the device's motion sensing hardware, user endpoint data, and application level data. When the user attempts a transaction while intoxicated, the user's device can detect that the user is impaired or sober. If impaired, the payment card system can deny the transaction. If sober, the payment card system can offer incentives for certain transactions. The payment card system can also allow sponsoring entities to pay for transactions that incentivize better behavior when a user is intoxicated or support transactions for sober users.