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公开(公告)号：US11436600B2
公开(公告)日：2022-09-06
申请号：US16422551
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Ina Goldberg
Abstract: A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions.
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2.发明授权公开(公告)号：US11068894B2
公开(公告)日：2021-07-20
申请号：US16681400
申请日：2019-11-12
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Randy Shuken , Mary Elizabeth Lesbirel
Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
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公开(公告)号：US10909619B2
公开(公告)日：2021-02-02
申请号：US15877177
申请日：2018-01-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Randy Shuken
Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.
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公开(公告)号：US10445713B2
公开(公告)日：2019-10-15
申请号：US14845160
申请日：2015-09-03
Applicant: MasterCard International Incorporated
Inventor： Manash Bhattacharjee , Debashis Ghosh
Abstract: Systems and methods for pairing a mobile app with a point-of-sale system and recording an availability of units from a retail package are described.
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公开(公告)号：US20190279203A1
公开(公告)日：2019-09-12
申请号：US16422551
申请日：2019-05-24
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Ina Goldberg
Abstract: A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions.
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Patent Agency Ranking
公开(公告)号：US10373164B2
公开(公告)日：2019-08-06
申请号：US15676739
申请日：2017-08-14
Applicant: MasterCard International Incorporated
Inventor： Debashis Ghosh , Randy Shuken
Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.
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公开(公告)号：US10192229B2
公开(公告)日：2019-01-29
申请号：US14846175
申请日：2015-09-04
Applicant: MasterCard International Incorporated
Inventor： Debashis Ghosh
Abstract: A method for controlling access to data displayed by an information services portal on a user device is provided. The method includes receiving a candidate login input corresponding to a user. The method further includes comparing the candidate login input to a list of login entries stored in the memory, each of the stored login entries having a corresponding code segment, each code segment defining a bounding area defining a geographic area. The method further includes retrieving from the memory a selected code segment corresponding to the stored login entry matching the candidate login input, and applying a geographic restriction to the data set by processing the selected code segment. The method further includes transmitting a data subset of the data set to the user computing device for display, the data subset including data satisfying the geographic restriction.
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8.发明申请公开(公告)号：US20180150847A1
公开(公告)日：2018-05-31
申请号：US15880742
申请日：2018-01-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Randy Shuken , Mary Elizabeth Lesbirel
IPC: G06Q20/40
CPC classification number: G06Q20/40145 , G06Q20/4012
Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
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公开(公告)号：US20180082459A1
公开(公告)日：2018-03-22
申请号：US15824810
申请日：2017-11-28
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Debashis Ghosh , Lavern Gilliard , Justin X. Howe
Abstract: A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.
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公开(公告)号：US09734500B2
公开(公告)日：2017-08-15
申请号：US15243349
申请日：2016-08-22
Applicant: MasterCard International Incorporated
Inventor： Debashis Ghosh , Randy Shuken
CPC classification number: G06Q20/4014 , G06F21/31 , G06F21/316 , G06F2221/2149 , H04L9/3213 , H04L9/3226 , H04L9/3271 , H04L9/3273 , H04L63/0876
Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.
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