US Pat. No. 9,471,865

PAYMENT CARD HAVING LIGHT-EMITTING DIODE INDICATORS COORDINATED WITH STORED PAYMENT APPLICATIONS

MasterCard International ...

1. An apparatus comprising:
a body;
a first indicia printed on the body and representing a first payment card account;
a first light-emitting diode (LED) mounted on the body in proximity to said first indicia;
a second indicia printed on the body and representing a second payment card account different from the first payment card
account;

a second LED mounted on the body in proximity to said second indicia;
a user-actuatable switch mounted on the body; and
an integrated circuit (IC) supported by the body and operatively coupled to the first LED, the second LED and the user-actuatable
switch;

the IC storing a first account indicator number that corresponds to said first payment card account, and a second account
indicator number that corresponds to said second payment card account;

the IC programmed to allow a user to select between the first payment card account and the second payment card account by
actuating the user-actuatable switch;

the IC programmed to cause the first LED to be illuminated in response to the user selecting the first payment card account;
the IC programmed to cause the second LED to be illuminated in response to the user selecting the second payment card account;
the IC programmed to prevent the first account indicator number from being transmitted to a point of sale device at times
when the first LED is experiencing a malfunction; and

the IC programmed to prevent the second account indicator number from being transmitted to the point of sale terminal at times
when the second LED is experiencing a malfunction.

US Pat. No. 9,367,844

METHOD AND SYSTEM FOR ONLINE AND PHYSICAL MERCHANT SPECIFIC FRAUD DETECTION SYSTEM

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for electronically processing payment transactions with merchant-specific fraud detection,
comprising:
storing, in a merchant database device of a processing server, a plurality of merchant profiles, wherein each merchant profile
includes data related to a corresponding merchant including at least a merchant identifier and a plurality of merchant-specific
transaction data entries, and wherein each transaction data entry includes data related to a payment transaction involving
the corresponding merchant including at least transaction data;

receiving, by a receiving device of a processing server, an electronic authorization request for a payment transaction from
a merchant computer system, wherein the electronic authorization request includes at least the merchant identifier associated
with the merchant and transaction data;

calculating, by a processing device of the processing server, a fraud score for the payment transaction based on application
of one or more merchant-specific scoring algorithms to at least the transaction data included in the received electronic authorization
request, said one or more merchant-specific scoring algorithms being based on at least the transaction data included in one
or more transaction data entries included in the merchant profile;

electronically transmitting, by a transmitting device of the processing server, at least the transaction data included in
the received electronic authorization request and the calculated fraud score to the merchant computer system;

receiving, by the receiving device of the processing server, an electronic notification from the merchant computer system
indicating acceptance of risk for the payment transaction, and

transmitting, by the transmitting device of the processing server, at least the electronic authorization request and the indication
of merchant acceptance of risk, received from the merchant computer system, to a computer system of a card-issuing financial
institution associated with a financial account involved in the payment transaction with the merchant computer system, wherein
said computer system of the card-issuing financial institution approves or denies the electronic authorization request.

US Pat. No. 9,384,499

METHOD AND SYSTEM FOR INDIRECT CONTROL OF A WEBSITE

MASTERCARD INTERNATIONAL ...

1. A method of indirectly controlling a web site, comprising:
transmitting, by a first server, a first message including first data;
receiving, from a second server, a second message including second data, wherein the second data is to be incorporated within
a unique machine-readable code, and wherein the second message includes at least one value that is not included in the first
message;

generating the unique machine-readable code, wherein the unique machine-readable code is a unique session identity code;
displaying a unique machine-readable code on a display of a specific display device, wherein the unique machine readable code
is unique to the specific display device displaying contents from a website through a server, and the unique machine-readable
code is readable by a user communication device, the user communication device being able to communicate with the server through
a communications path not involving an input device associated with the specific display device;

receiving commands to control content displayed through the server from the user communication device, the commands including
the identity of the specific display device by the displayed unique machine readable code read by the user communication device;
and

changing the content displayed on the specific display device.

US Pat. No. 9,436,936

SYSTEMS AND METHODS FOR ANALYSIS AND LINKAGE BETWEEN DIFFERENT TRANSACTION DATA PROVIDERS USING DE-IDENTIFIED DATA

MasterCard International ...

1. A computerized method, comprising:
receiving a first set of de-identified transaction data from a first transaction data source, the first set of de-identified
transaction data having all personally identifiable information removed therefrom;

receiving a second set of de-identified transaction data from a second transaction data source, the second set of de-identified
transaction data having all personally identifiable information removed therefrom;

filtering said first and second sets of de-identified transaction data to identify transactions in each of said first and
second sets of de-identified transaction data associated with at least a first entity and to create first and second filtered
data sets including the identified transactions;

removing data associated with an identifier field for each of said transactions in said first filtered data set to create
a de-identified first data set;

removing data associated with an identifier field for each of said transactions in said second filtered data set to create
a de-identified second data set; and

processing said first and second de-identified data to establish a linkage between data in each data set.

US Pat. No. 9,245,277

SYSTEMS AND METHODS FOR CATEGORIZING NEIGHBORHOODS BASED ON PAYMENT CARD TRANSACTIONS

MasterCard International ...

1. A computer implemented method for categorizing neighborhoods based on cardholder transactions, said method using a computing
device having a processor communicatively coupled to a memory, said method comprising:
receiving, by the processor, a plurality of payment transactions from a plurality of cardholders;
generating, by the processor, a list of cardholders based on the plurality of payment transactions;
determining, by the processor, one or more life stage segments for each cardholder of the list of cardholders based on the
plurality of payment transactions;

determining, by the processor, a geographic region containing a plurality of cardholders from the list of cardholders based
in part on the one or more life stage segments associated with each of the plurality of cardholders contained within the geographic
region;

determining, by the processor, a lifestyle category for the geographic region based on the one or more life stage segments
of each of the cardholders associated with the geographic region; and

providing, by the processor, a lifestyle report for the geographic region.

US Pat. No. 9,237,465

SYSTEMS, APPARATUS AND METHODS FOR CONSUMER TESTING OF AN NFC-ENABLED MOBILE DEVICE

MasterCard International ...

1. A method comprising:
receiving, by a processor of a consumer's mobile device, input to initialize a near-field communication (NFC) test application;
displaying, by the processor on a display screen, a prompt to position the consumer's mobile device to communicate with an
NFC-enabled device;

receiving, by the processor, input indicating that the consumer's mobile device is in a communication position;
exchanging, by the processor and the NFC-enabled device, a shared identity;
transmitting, by the processor, the shared identity to a central server computer;
receiving, by the processor from the central server computer, a plurality of NFC test instructions;
communicating, by the processor, in a transaction mode of operation with the NFC-enabled device according to the NFC test
instructions;

communicating, by the processor, in a terminal mode of operation with the NFC-enabled device according to the NFC test instructions;
and

transmitting, by the processor to the central server computer, NFC test data.

US Pat. No. 9,172,539

IN-MARKET PERSONALIZATION OF PAYMENT DEVICES

MasterCard International ...

1. A system for remotely personalizing payment devices for consumers, comprising:
a Mobile Over-the-Air Provisioning Service (MOTAPS) server computer;
a trusted service provider (TSP) personalization server computer operatively coupled to the MOTAPS server computer, the TSP
personalization server computer receiving personalization data from the MOTAPS server computer and transmitting personalization
data and instructions;

a hardware security module (HSM) operatively coupled to the TSP personalization server computer;
an issuer server computer operably coupled to at least one of the MOTAPS server computer and the TSP personalization server
computer;

a service provider server computer operably coupled to the TSP personalization server computer; and
a remote personalization device (RPD) operably coupled to the service provider server computer, the RPD receiving a request
from a consumer to provide a personalized payment device to the consumer;

and wherein the TSP personalization server:
receives a personalization request from the RPD via the service provider server computer;
requests personalization data from the issuer server computer;
transmits commands to the RPD via the service provider server computer to obtain payment device data to identify an issuers'
personalization key and to obtain diversification data for generating a diversified personalization key;

receives the requested payment device data and diversification data from the RPD via the service provider server computer;
generates, in concert with the HSM, session keys and converts data from the MOTAPS server computer into a payment device application
process data unit (ADDU);

transmits the ADDU and personalization data via the service provider server computer to the RPD for loading onto a payment
device associated with the RPD; and

receives a response from the RPD via the service provider server computer confirming that the payment device has been personalized.

US Pat. No. 9,165,292

SYSTEMS AND METHODS FOR A NETWORK-TO-NETWORK INTERFACE

MasterCard International ...

1. A multiple network bridge system comprising:
a first network device that is coupled to a first service provider network;
a second network device that is coupled to a second service provider network, the second network comprising a multiprotocol
label switching network, each of said first network device and said second network device configured to monitor communications
between the first service provider network and the second service provider network for Quality of Service (QoS);

a third network device that facilitates communication between the first network and the second network; and
a fourth network device that is coupled to a satellite network, the satellite network providing a sole path of communication
between a payment card interchange network and at least one of a merchant bank and an issuer bank during a first time period,
the satellite network providing a backup path of communication between the payment card interchange network and the at least
one of the merchant bank and the issuer bank during a second later time period, wherein the fourth network device is communicatively
coupled to said third network device such that said fourth network device is capable of communicating with said first and
second network devices.

US Pat. No. 9,275,352

SYSTEM AND METHOD TO AUTOMATE LIVERY VEHICLE SCHEDULING FROM AIRLINE ITINERARY DATA

MASTERCARD INTERNATIONAL ...

1. A method comprising:
receiving, via a network interface, payment card transaction data from an acquirer or travel transaction data from a Global
Distribution System (GDS), the payment card transaction or travel transaction data containing a cardholder identifier and
a travel itinerary, the travel itinerary being for either a flight or rail carrier, the travel itinerary including: a passenger
name, a carrier name, a carrier transportation identifier, an arrival location, an arrival date, and an arrival time;

retrieving a cardholder record from a database using the cardholder identifier with a processor, the database being stored
on a non-transitory computer-readable storage medium, the cardholder record containing an indicator showing the cardholder
has opted-into automatic livery vehicle scheduling;

transmitting, when the cardholder has opted-into automatic livery vehicle scheduling, an electronic reservation message to
a vehicle livery service via the network interface, the electronic reservation message including the passenger name, the carrier
name, the carrier transportation identifier, the arrival location, the arrival date and the arrival time.

US Pat. No. 9,111,277

METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC TRANSACTIONS AND MANAGING VEHICLE COSTS

MasterCard International ...

1. A computer-implemented method for performing an electronic transaction using a payment computer coupled to a database,
the transaction including an item purchased in association with a vehicle and initiated by a cardholder with a merchant, said
method comprising:
receiving, at the payment computer, an authorization request message from a merchant computing device of the merchant, the
authorization request message including first transaction data, wherein the first transaction data includes a vehicle identifier
for identifying the vehicle, an account data associated with the cardholder, and a purchase data associated with a first purchased
item, wherein the first purchased item is a vehicle related expense for at least one of operating and maintaining the vehicle;

transmitting an authorization response message from the payment computer to the merchant computing device, the authorization
response message including an approval of the electronic transaction by an issuer bank;

storing, within the database, the first transaction data including the vehicle identifier;
storing, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first
transaction data and the other transaction data define a total transaction data associated with the vehicle;

receiving, from a vehicle computer in the vehicle, a request for a report of vehicle related expenses for the requesting vehicle;
preparing, by the payment computer, the requested report of vehicle related expenses for the requesting vehicle using at least
the vehicle identifier, the first transaction data, and the other transaction data; and

transmitting, to the vehicle computer in the requesting vehicle, the requested report of vehicle related expenses, wherein
the vehicle computer is coupled to the payment computer through a communication network.

US Pat. No. 9,485,092

ELECTRONIC AUTHENTICATION SYSTEMS

MASTERCARD INTERNATIONAL ...

1. A transaction device for establishing a shared secret with a point of interaction (POI) over a communications network to
enable encrypted communications between the transaction device and the point of interaction, the device comprising:
an input arranged to receive communications from the point of interaction;
a processor arranged to generate a first communication according to a Diffie-Hellman protocol;
an output arranged to send the first communication to the point of interaction;
wherein the processor is arranged to apply a randomly generated blinding factor, r, and a static public key, Qc, when generating
the first communication, the static public key being unknown to the point of interaction prior to the first communication
being generated; and

wherein, in response to receiving a second communication from the point of interaction at the input, the second communication
having been generated according to the Diffie-Hellman protocol, the processor is arranged to apply the randomly generated
blinding factor and generate a shared secret according to the Diffie-Hellman protocol in dependence on data contained within
the second communication.

US Pat. No. 9,256,870

METHODS AND SYSTEMS FOR UPDATING EXPIRY INFORMATION OF AN ACCOUNT

MasterCard International ...

1. A method for updating expiry information of an account, said method is implemented by a prediction computing device in
communication with a payment network, the prediction computing device includes one or more processors and is in communication
with a memory, said method comprising:
receiving, by the prediction computing device, on a receipt date, a notification signal including an original primary account
number (PAN) and a subsequent PAN for a first account having an original expiration date;

detecting, by the prediction computing device, that the payment processing network has processed at least one cleared payment
transaction that includes the subsequent PAN and a subsequent expiration date associated with the first account;

determining, by the prediction computing device, an effective duration based on the original expiration date or by calculating
the difference between the receipt date and the subsequent expiration date;

receiving, by the prediction computing device, a request signal requesting a predicted expiration date for a second account,
the request signal including a PAN associated with the second account;

determining, by the prediction computing device, that the effective duration applies to the second account based at least
in part on the PAN associated with the second account; and

generating, by the prediction computing device, a predicted expiration date for the second account, based on the effective
duration.

US Pat. No. 9,317,845

FLEXIBLE ELECTRONIC PAYMENT TRANSACTION PROCESS

MasterCard International ...

1. A payment transaction processing method, comprising:
commencing a first interaction, said first interaction between a payment device and a POS (point of sale) terminal and including
a payment transaction process; and

interrupting said first interaction to perform a second interaction, said second interaction between said POS terminal and
a device other than the payment device; said second interaction being other than: (a) transmitting an authorization request,
and (b) receiving an authorization response;

wherein said second interaction is between the POS terminal and a mobile device that is not the payment device.

US Pat. No. 9,256,868

SWITCHING FUNCTIONS FOR MOBILE PAYMENTS SYSTEM

MasterCard International ...

1. A method comprising:
receiving, by a data processing center (DPC) computer from an acquirer computer, billing information and a bill issuance notification
request, the billing information including a mobile telephone number;

determining, by the DPC computer based on the mobile telephone number, a mobile payment platform (MPP) computer that is operated
by or on behalf of a service provider having an account holder as a customer;

transmitting, by the DPC computer to the MPP computer, the billing information for relaying a billing issuance notification
to a mobile device of the account holder;

receiving, by the DPC computer from the MPP computer, an information message indicating that the account holder has been authenticated
and has elected to pay the bill associated with the billing issuance notification and comprising account security data;

determining, by the DPC computer based on the mobile telephone number, a payment card account number of the account holder;
generating, by the DPC computer, a transaction message comprising the payment card account number and the account security
data; and

transmitting, by the DPC to the acquirer computer, the transaction message for bill payment processing.

US Pat. No. 9,230,255

PAYMENT CARD HAVING LIGHT-EMITTING DIODE INDICATORS COORDINATED WITH STORED PAYMENT APPLICATIONS

MasterCard International ...

1. An apparatus comprising:
a body;
a first indicia printed on the body and representing a first payment card account;
a first light-emitting diode (LED) mounted on the body in proximity to said first indicia;
a second indicia printed on the body and representing a second payment card account different from the first payment card
account;

a second LED mounted on the body in proximity to said second indicia;
a user-actuatable switch mounted on the body; and
an integrated circuit (IC) supported by the body and operatively coupled to the first LED, the second LED and the user-actuatable
switch;

the IC storing a first account indicator number that corresponds to said first payment card account, and a second account
indicator number that corresponds to said second payment card account;

the IC programmed to allow a user to toggle between the first payment card account and the second payment card account by
actuating the user-actuatable switch;

the IC programmed to cause the first LED to be illuminated in response to the user selecting the first payment card account;
and

the IC programmed to cause the second LED to be illuminated in response to the user selecting the second payment card account;
wherein no other user-actuatable switch is supported on said body apart from said switch for toggling between the first payment
card account and the second payment card account.

US Pat. No. 9,203,916

METHODS AND SYSTEM FOR TRACKING WEB PAGE ANALYTICS

MasterCard International ...

1. A method of tracking website analytics, said method comprising:
loading at least one of a plurality of web pages hosted on a first server, each web page including a script programmed to
load a dynamic wrapper;

querying a data source residing on a second server separate from the first server, the data source including tag information
for each tag tracked on each of the plurality of web pages;

building a dynamically changeable tracking pixel using the queried tag information;
loading the built tracking pixel into a respective one of the at least one of a plurality of web pages; and
transmitting at least one of a status of the respective one of the at least one of a plurality of web pages and a user's navigation
activity on the respective one of the at least one of a plurality of web pages.

US Pat. No. 9,065,569

MOBILE DEVICE OUTPUT TEST SETTING

MasterCard International ...

1. A method comprising:
detecting a first signal by a controller, the first signal being generated in response to a user input;
switching, in response to detecting the first signal, a wireless transmitter circuitry from a first transmission mode to a
second transmission mode, the second transmission mode having at least one of a transmit power and a transmit frequency selectively
set by a user;

receiving a second signal by the controller, the second signal being generated in response to a user input and includes an
indication of a specific value selectively provided by the user for setting the at least one of transmit power and transmit
frequency associated with the second transmission mode; and

setting, in response to receiving the second signal, the at least one of transmit power and transmit frequency associated
with the second transmission mode to the specific value selectively provided by the user.

US Pat. No. 9,430,786

METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR DETECTING CUSTOMER PRESENCE TO INITIATE THE ORDERING AND PURCHASE OF GOODS AND SERVICES

MASTERCARD INTERNATIONAL ...

1. A system for detecting customer presence to initiate the ordering and purchase of goods and services, the system comprising:
a trigger management server (TMS) configured to receive a customer identifier associated with a mobile device and purchase
order data including payment credential data and a product selection identifier for an order of at least one product from
the mobile device, wherein the mobile device receives a location identifier associated with the TMS and the product selection
identifier upon interfacing with a smart tag via near field communications (NFC), wherein the interfacing with the smart tag
initiates a menu selection application in the mobile device for placing the order, and wherein the mobile device is configured
to utilize the location identifier received from the smart tag to communicate with the TMS; and

a backend merchant server configured to receive, from the mobile device via the TMS, the purchase order data, wherein the
payment credential data received by the backend merchant server includes electronic payment softcard data that is provided
by a wallet application stored in memory in the mobile device, to utilize the customer identifier to send a notification message
that indicates that the at least one product is available to the mobile device, wherein the backend merchant server is configured
to utilize the customer identifier to identify a pre-stored order associated with the mobile device and to query the mobile
device to determine whether the pre-stored order is to be included in a purchase transaction corresponding to the order for
the at least one product, and to send a notification message to an on-site merchant server located at the merchant location
indicating that the purchase transaction has been successfully conducted by the backend merchant server.

US Pat. No. 9,330,081

COMPUTER SYSTEM AND METHOD FOR GENERATING CLIENT-SIDE SOFTWARE DEMONSTRATIONS

MasterCard International ...

1. A method for demonstrating a software application having a plurality of demonstration pages, using a standalone computing
device, the computing device in communication with a memory device, said method comprising:
executing a scripting component by a processor of the standalone computing device, wherein the scripting component is configured
to cause the standalone computing device, while the standalone computing device is not connected to a network, to perform
the steps of:

receiving a request from a user of the standalone computing device for a first demonstration page;
retrieving a page template for the first demonstration page and populating the retrieved page template with data corresponding
to the selected first demonstration page;

identifying from the populated template at least one content element having at least a navigation element, and modifying the
identified navigation element by associating executable code with the navigation element to refer to a second demonstration
page, the associated executable code referencing at least an index position of the second demonstration page;

updating a current page identifier based on an index position of the first demonstration page within an ordered list, and
wherein the ordered list includes an array of indexed positions for the plurality of demonstration pages;

displaying the first demonstration page to the user of the standalone computing device;
receiving a selection of the navigation element within the first demonstration page from the user; and
in response to the selection of the navigation element, executing the associated executable code and dynamically building
by the standalone computing device the second demonstration page, updating the current page identifier with the index position
of the second demonstration page, and providing the second demonstration page to the user.

US Pat. No. 9,424,590

METHOD AND SYSTEM FOR REAL TIME TARGETED ADVERTISING IN A RETAIL ENVIRONMENT

MASTERCARD INTERNATIONAL ...

1. A system comprising:
a radio frequency identification (RFID) reader situated in a retail environment, wherein said RFID reader communicates with
an RFID tag that is situated on a payment card of a payment card holder, to (i) determine that said payment card holder has
entered said retail environment, (ii) track said payment card holder as said payment card holder walks around in said retail
environment, and (iii) determine activity and locations of said payment card holder in said retail environment;

a database configured to store a first set of information concerning said payment card holder, including purchasing and payment
activities attributable to said payment card holder;

a database configured to store a second set of information comprising said payment card holder activity and location in said
retail environment;

a database configured to store a third set of information comprising merchant advertising information;
a processor configured to:
receive from said RFID reader information that indicates (i) that said payment card holder has entered said retail environment,
(ii) a route of said payment card holder as said payment card holder walks around in said retail environment, and (iii) activity
and locations of said payment card holder in said retail environment;

update said database configured to store said second set of information comprising said payment card holder activity and location
in said retail environment;

select a predictive behavioral model based at least in part on said first set of information and said second set of information;
associate said predictive behavioral model with said third set of information, thus yielding associated information; and
convey at least a portion of said associated information to a merchant to enable said merchant to make a targeted offer to
said payment card holder.

US Pat. No. 9,412,108

SYSTEMS AND METHODS FOR FRAUD DETECTION BY TRANSACTION TICKET SIZE PATTERN

MasterCard International ...

1. A computer-implemented method for fraud detection based on a pattern of transaction ticket size on a payment card network,
the method implemented using a computer device coupled to a memory device, the method comprising:
receiving transaction information electronically, for a current financial transaction, from a merchant, the transaction information
including a current transaction amount, the transaction information associated with a single payment card cardholder account;

retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information;
generating a historical spend ticket size pattern based on the retrieved historical transactions for the single cardholder,
the historical spend ticket size pattern including at least (i) an average ticket size for the single cardholder for at least
one of a same store, similar stores, and relevant merchant categories, and (ii) a standard deviation for the average ticket
size for at least one of the same store, similar stores, and relevant merchant categories;

comparing the current transaction amount to the historical spend ticket size pattern to determine if the current transaction
is within the standard deviation for the average ticket size; and

generating a recommendation for approval or decline of the current financial transaction based on the comparison.

US Pat. No. 9,401,063

ALL-IN-ONE PROXIMITY PAYMENT DEVICE WITH LOCAL AUTHENTICATION

MASTERCARD INTERNATIONAL ...

1. A method for conducting a proximity payment transaction between a cardholder and a merchant, the method comprising:
before interacting with a merchant Point of Sale (POS) device, pre-signing the proximity payment transaction using a proximity
payment device based on input from the cardholder, wherein the pre-signing comprises:

receiving cardholder identification information from the cardholder;
verifying the cardholder identification information by the proximity payment device; and
in response to said verifying, generating a digitally signed verification status indicator by the proximity payment device;
sending, by the proximity payment device, the digitally signed verification status indicator to the Merchant POS device, wherein
the digitally signed verification status indicator indicates to the Merchant POS device that the cardholder information has
been verified by the proximity payment device,

wherein the digitally signed verification status indicator permits local verification for an offline signed transaction;
verifying locally, by the merchant POS device, the digitally signed verification status indicator before the offline signed
transaction occurs;

completing the offline signed transaction utilizing the digitally signed verification status indicator.

US Pat. No. 9,396,496

METHODS, APPARATUS, COMPUTER PROGRAM PRODUCTS AND ARTICLES FOR USE IN PROVIDING HUMAN UNDERSTANDABLE INDICATION OF ACCOUNT BALANCE

MasterCard International ...

1. A method comprising:
receiving, in association with a payment transaction, information at a proximity coupling system via a proximity payment card
that is associated with a payment account and has a generally rectangular shape consistent with ISO/IEC 14443;

receiving, in the proximity coupling system via the proximity payment card having the generally rectangular shape consistent
with ISO/IEC 14443, holder consent to provide a human understandable indication of an account balance associated with the
payment account; and

providing a human understandable indication of the account balance via an output device, in response at least in part to the
consent.

US Pat. No. 9,286,618

RECOGNIZING AND COMBINING REDUNDANT MERCHANT DESIGNATIONS IN A TRANSACTION DATABASE

MasterCard International ...

1. A method of determining whether a subject merchant location database entry and a candidate merchant location database entry
are describing the same merchant location notwithstanding the presence of differences between the subject merchant location
database entry and the candidate merchant location database entry, wherein each of the subject merchant location database
entry and the candidate merchant location database entry includes a DBA name text field designating the doing business as
(DBA) name of each respective merchant location, a street address text field designating the street address of the location
of each respective merchant location, and one or more additional descriptive fields descriptive of one or more predetermined
characteristics of the respective merchant location, the method comprising:
designating a merchant location database entry appearing in a master merchant location database or a transaction data stream
to be compared as a subject merchant location database entry;

populating a set with one or more candidate merchant location database entries located in a data warehouse database maintained
by a network operator for comparison to the subject merchant location database entry, wherein each candidate merchant location
database entry selected as a member of the set has a predetermined minimum textural similarity with the subject merchant location
database entry on the basis of each database entry's respective DBA name text field or street address text field;

comparing the subject merchant location database entry with each of the candidate database entries on the basis of the one
or more additional descriptive fields;

performing a logistic regression using the results of the comparing to calculate a probability that the merchant location
corresponding to the subject merchant location database entry and the merchant location corresponding to one or more of the
candidate merchant location database entries are the same merchant location; and

outputting the results of the logistic regression,
wherein the one or more additional descriptive fields retrieved from the data warehouse include a classification code, the
classification code derived from a hierarchical classification, and the comparing determines whether the subject merchant
location database entry or the candidate merchant location database entry includes a classification code related to an industry
which is experientially known to have merchant location identification data that is either more stable or less stable than
other industries, and the logistic regression weights the merchant location classification code with regard to whether the
related industry is known to have more or less stable merchant location identification data.

US Pat. No. 9,195,999

METHODS AND SYSTEMS FOR ROUTING E-INVOICES

MasterCard International ...

1. A computer system for routing electronic invoices, said computer system comprising a memory device and a processor, said
computer system in data communication with a communication network, said computer system programmed to:
receive an electronic invoice in a first electronic invoice format via the communication network from a first e-invoicing
provider that transmits electronic invoices between a first plurality of electronic invoice senders and recipients via a first
electronic invoicing network;

recognize the first electronic invoice format using a defined header, a defined data payload, and a defined footer in at least
one format file of a plurality of format files stored in a format datastore in the memory device;

translate, using a format engine, the electronic invoice into an intermediary electronic invoice format;
extract an identifier of a specified recipient from the electronic invoice;
perform a lookup, using a network datastore, for a second e-invoicing provider included within a second electronic invoicing
network and associated with the specified recipient identifier, the second electronic invoicing network being different from
the first electronic invoicing network;

retrieve, using the format datastore, a second electronic invoice format that is associated with the second e-invoicing provider;
translate, using the format engine, the electronic invoice from the intermediary electronic invoice format to the second electronic
invoice format; and

transmit the electronic invoice in the second electronic invoice format via the communication network to the second e-invoicing
provider for transmission to the specified recipient via the second electronic invoicing network, wherein the second e-invoicing
provider transmits electronic invoices between a second plurality of electronic invoice senders and recipients.

US Pat. No. 9,083,534

METHOD AND SYSTEM FOR PROPAGATING A CLIENT IDENTITY

MasterCard International ...

1. A computer system for securely propagating an identity included in a service call request message for an open Application
Programming Interface (API) service application from a first service system to a target service system in a service provider
(SP) computer system, the service application stored within a service owner (SO) computer device, the SO computer device associated
with a SO, the computer system comprising:
a memory device for storing data; and
a service provider (SP) computer system comprising a processor and an open application programming interface (API) platform,
the SP computer system in communication with the memory device and the SO computer device, said SP computer system programmed
to:

receive a first request message from an entity outside of the SP computer system, at the first service system, the first request
message defining an API service request comprising a header portion and a payload portion;

determine, by the first service system, identity information to be transmitted to the target service system, the target system
within the SP computer system, the identity information identifying a source outside of the SP computer system of the received
message;

construct a data structure that contains the identity information and is able to be digitally signed;
receive, from the target service system, signature information for creating a digital signature;
digitally sign the identity information wherein the signature information used in the creation of the digital signature is
pre-established with the target service system;

pair the identity information and the corresponding digital signature in a header of a second request message to be transmitted
from the first service system to the target service system;

receive by the target service system the second request message and extract the identity information and corresponding digital
signature from the header;

validate by the target service system the corresponding digital signature; and
for signatures that are successfully validated, construct using the corresponding identity information a data structure that
represents the original identity established in the first service system.

US Pat. No. 9,064,162

TWO-PART READER FOR CONTACTLESS CARDS

MasterCard International ...

1. A user-facing component of a contactless card reader, the user-facing component comprising:
a housing for being secured to a first surface of an object at a point of sale location; and
at least one indicia on the housing for indicating, to a user of a contactless card, a location at which said contactless
card is to be presented to the contactless card reader;

wherein no electrically conductive connection emerges from the housing so that the user-facing component is installable in
unprotected locations.

US Pat. No. 9,454,768

METHOD AND SYSTEM FOR ESTIMATING A PRICE OF A TRIP BASED ON TRANSACTION DATA

MasterCard International ...

1. A computer-implemented method for estimating a price of a candidate trip based on transaction data, said method implemented
using an estimating computing device in communication with one or more memory devices, said method comprising:
generating a profile associated with a first cardholder, based at least in part on first transaction data stored in the one
or more memory devices, wherein the first transaction data is associated with one or more purchases made by the first cardholder
through a payment network and wherein the profile indicates a spending trend of the first cardholder;

determining a price paid by at least one second cardholder for a reference trip, based at least in part on second transaction
data stored in the one or more memory devices, wherein the second transaction data is associated with purchases made by the
at least one second cardholder through the payment network during the reference trip;

determining an estimated price for the candidate trip for the first cardholder by adjusting the price paid by the at least
one second cardholder for the reference trip based at least in part on the spending trend of the first cardholder; and

transmitting the estimated price for the candidate trip to at least a client computing device associated with the first cardholder.

US Pat. No. 9,390,429

SYSTEM AND METHOD FOR MAKING WEATHER BASED ACTIVITY RECOMMENDATIONS

MASTERCARD INTERNATIONAL ...

1. A system for identifying correlations between customer payment card purchases and weather conditions, the system comprising:
one or more data storage devices containing payment card transaction data of a plurality of customers, the payment card transaction
data including at least customer information, geographical information and information identifying a category of good or service
associated with the transaction;

one or more data storage devices containing historic weather data;
one or more processors;
a memory in communication with the one or more processors and storing program instructions, the one or more processors operative
with the program instructions to:

identify correlations between payment card transactions and weather conditions contemporaneous to said transactions,
generate a behavioral database of activities or events, each associated with at least one of said weather conditions, and
with one or more of said customers fitting a particular profile category, and based on said identified correlations between
said payment card transactions and said weather conditions;

generate, from said behavioral database, a list of one or more activities or events predicted for subsequent purchase by a
given consumer for one or more profile categories, based on an identified current or forecasted weather condition in a predetermined
area, in which the given consumer is located or predicted to be located.

US Pat. No. 9,286,607

METHOD AND APPARATUS FOR PAYMENT TRANSACTIONS

MASTERCARD INTERNATIONAL ...

1. A contactless card reader system comprising:
a contactless card reader for short range wireless communication with a payment device using a contactless card protocol,
wherein said contactless card reader includes therein a protected execution environment, which is a physically secured environment
within the contactless card reader that is separate from other components within the contactless card reader, that (i) includes
at least a protected environment processor and a protected environment memory and (ii) is configured to run a contactless
protocol kernel that provides for contactless protocol compatibility; and

a terminal for exchanging data with the payment device and with a remote server in order to perform a contactless card transaction,
wherein the terminal is comprised in a personal computing device.

US Pat. No. 9,242,503

ELECTRONIC TRANSACTION CARD WITH STYLUS

MASTERCARD INTERNATIONAL ...

1. An electronic transaction card, comprising:
a base constructed from a substantially rectangular material having a front and back face defining a first thickness therebetween,
and at least four corners, wherein at least a first corner of the at least four corners has a shape which differs from the
other corners;

a stylus disposed at the first corner and extending away from the base to a stylus tip, wherein the shape of the base at the
first corner defines at least a first portion of the stylus, and wherein a second portion of the stylus is constructed from
a metal alloy of the type which leaves an indelible mark when the metal alloy is abraded on a paper substrate; and

an electronic storage medium bearing information presentable to consummate a financial transaction.

US Pat. No. 9,471,628

METHODS AND SYSTEMS FOR CALCULATING AND RETRIEVING ANALYTIC DATA

MasterCard International ...

9. A method of calculating and retrieving analytic data stored within a computing device in communication with a database,
the method comprising the steps of:
storing a measure-data element in a measure data structure within the database;
storing a collection-data element in a collection data structure within the database;
calculating an aggregated value from the database based at least in part on the measure-data element and the collection-data
element, wherein the measure-data element defines how the aggregated value is calculated and the collection-data element defines
a categorization of the aggregated value;

identifying a subject area filter identifying a scope of analysis;
filtering the aggregated value based on the subject area filter and the collection data element;
storing the aggregated value and links to the measure-data element and the collection-data element in a fact-data element
of a fact data structure, wherein the fact-data element includes the aggregated value, a link to the measure-data element,
a link to the collection-data element, a point of view collection identifier identifying a user requesting a calculation associated
with each fact-data element, and a reporting collection identifier identifying a particular account associated with each fact-data
element;

receiving a request identifying the fact-data element from the fact data structure after storing the fact-data element, wherein
receiving a request identifying the fact-data element comprises i) identifying the fact-data element using at least the measure-data
element and the collection-data element and ii) using a database cross-table operation having a join operation and a decode
operation, such that each of the fact data structure, measure data structure, and collection data structure are each referenced
during the request, and wherein a point of view filter is used during identification of the fact-data element to prevent retrieval
of duplicate information and to assure that the aggregated value pertains to the user making the request; and

outputting the aggregated value from the fact-data element.

US Pat. No. 9,424,410

METHODS AND SYSTEMS FOR LEVERAGING TRANSACTION DATA TO DYNAMICALLY AUTHENTICATE A USER

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for authenticating a candidate user to facilitate accessing a host computing device as an
authentic user, the host computing device in communication with an authenticating computing device, said method comprising:
receiving from the host computing device, by the authenticating computing device, an authentication request to authenticate
the candidate user as the authentic user, the host computing device associated with a service provider of secure data, the
host computing device operating separately from the authenticating computing device, wherein the authentication request is
received independent from a payment transaction, the authentication request includes a user identifier and at least one of
a media access control (MAC) address and an Internet protocol (IP) address of a user computing device associated with the
candidate user;

retrieving, by the authenticating computing device from a database associated with the authenticating computing device, transaction
data including a plurality of payment transactions associated with the authentic user based on the user identifier and the
at least one of the MAC address and the IP address of the user computing device, wherein the transaction data includes user-specific
data indicative of a location where the authentic user made the plurality of payment transactions and an amount of the plurality
of payment transactions and at least one of: (i) a merchant with whom the authentic user performed the payment transactions,
(ii) a time period during which the authentic user performed the payment transactions, and (iii) a product type associated
with the payment transactions;

generating, by the authenticating computing device, a challenge question and a correct answer to the challenge question together
with a plurality of incorrect answers based on the transaction data associated with the authentic user, wherein the challenge
question is configured to ask at least one of the location and the amount of at least one payment transaction of the plurality
of payment transactions in combination with at least one of (i) the merchant, (ii) the time period, and (iii) the product
type, and the correct answer is configured to test the candidate user's knowledge of a correct combination of the at least
one of the location and the amount of the at least one payment transaction of the plurality of payment transactions associated
with one or more of (i) the merchant, (ii) the time period, and (iii) the product, and the incorrect answers are generated
using similar parameters to the correct answer including similar merchants and similar products not associated with the payment
transaction performed by the authentic user; and

transmitting the challenge question to the host computing device when authenticating the candidate user and presenting a multiple-choice
question including the challenge question, the correct answer, and the incorrect answers for display to ask the candidate
user to respond without exposing the transaction data to the host computing device.

US Pat. No. 9,305,294

SYSTEMS AND METHODS FOR TRANSMITTING MAGNETIC STRIPE DATA

MasterCard International ...

1. A device for transmitting data to a merchant point-of-sale (POS) device, said device comprising:
a magnetic field generator for emitting changing magnetic fields, the magnetic field generator configured to:
receive data representing magnetic stripe data of a transaction card; and
generate changing magnetic fields for detection by a magnetic reader head of the POS device in response to receiving the data,
the changing magnetic fields representing the magnetic stripe data of the transaction card;

wherein the changing magnetic fields are configured to be received remotely by the magnetic reader head of the POS device.

US Pat. No. 9,195,975

DELIVERY OF INFORMATION SERVICES TO PERSONAL DEVICES

MasterCard International ...

1. A transaction processing system for sending user information data to a personal device, the system comprising:
an integrated circuit card comprising:
an integrated circuit element; and
a display device for making information known to a user of the integrated circuit card;
an interface device for transmitting data to and from the integrated circuit card;
a communications network connecting to the interface device;
an issuer processor connected to the communications network; and
a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device
and the issuer processor, and arranged to receive, via an acquirer bank, a transaction request message from a user of the
integrated circuit card and to transmit a response message back to the integrated circuit card;

wherein the TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the
associated response message will require data related to an account balance or credit limit to be sent to the display device,
the TNP processor further identifying that the transaction additionally calls for an authorization decision, and if so identified,
to:

split the transaction request message into a first standard message requesting authorization and a second standard message
requesting the required user information;

route the authorization request message to the issuer processor;
route the required user information request message to the issuer processor;
receive an authorization response message from the issuer using another standard message;
receive the required data from the issuer processor using another standard message;
match the received required data and authorization response to the original request;
generate an appropriate response message and script containing the required data and authorization; and
transmit the response message back to the integrated circuit card thereby making the required information known to the user
and authorizing the transaction.

US Pat. No. 9,306,770

SYSTEMS AND METHODS FOR EXTENDING AN EXISTING NETWORK

MasterCard International ...

1. A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network,
the method implemented using a computer device coupled to a memory device, the method comprising:
receiving a plurality of network demand information associated with a geographic region having limited terrestrial connectivity
to a payment network;

determining a network kit demand level for the geographic region based on the network demand information;
determining a number of network kits to be stored based on the network kit demand level;
identifying, using the computer device, a storage location for storing the number of network kits, wherein each of the number
of network kits is configured to deploy at least a portion of an RDT network, wherein the storage location is within the geographic
region;

requesting the number of network kits to be stored at the storage location;
receiving a deployment request to deploy one of the number of network kits from the storage location to a customer;
deploying the one of the number of network kits for the customer, wherein deploying the one of the number of network kits
represents communicatively coupling the customer to the payment network via the one of the number of network kits using a
first plurality of networking components to rapidly create a satellite communication link that communicatively couples the
customer to the payment network; and

processing a first payment transaction from the customer over the payment network, using the one of the number of network
kits and the RDT network.

US Pat. No. 9,801,038

METHOD AND SYSTEM FOR EMERGENCY SAFETY CHECKS VIA PAYMENT SYSTEMS

MASTERCARD INTERNATIONAL ...

1. A method for facilitating a safety check in emergency situations using a payment rail associated with a payment network,
comprising:
storing, in an account database of a processing server, a plurality of account profiles, wherein each account profile includes
a structured data set related to a transaction account including at least a primary account number, account details, and one
or more sets of communication data;

receiving, by a receiving device of the processing server, a transaction message through the payment rail, wherein the transaction
message is formatted based on one or more standards, includes an indication that an associated individual is safe, and includes
a plurality of data elements including at least a first data element configured to store a specific primary account number;

executing, by a querying module of the processing server, a query on the account database to identify a specific account profile
where the included primary account number corresponds to the specific primary account number stored in the corresponding data
element included in the transaction message; and

electronically transmitting, by a transmitting device of the processing server, a notification including at least the account
details stored in the identified specific account profile and indicating safety of the associated individual for at least
one of the one or more sets of communication data stored in the identified specific account profile.

US Pat. No. 9,390,430

METHOD AND SYSTEM FOR SALES STRATEGY OPTIMIZATION

MASTERCARD INTERNATIONAL ...

1. A method for identifying a payment card holder preference for a certain sales technique, the method comprising:
retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable
to the payment card holder;

retrieving, from the one or more databases, a second set of information including merchant information associated with the
purchasing and payment activity;

retrieving, from the one or more databases, a third set of information including sales technique information, wherein the
sales technique information includes techniques selected from a group consisting of consultative selling, hard selling, heart
selling, persuasive selling, Guru selling, solution selling, price-based selling, needs-based selling, relationship selling,
action selling, and any combination thereof;

identifying associations between the first set of information and the second set of information to generate a predictive payment
card holder profile; and

correlating the predictive payment card holder profile with the sales technique information to determine behavioral information
of the payment card holder;

extracting from the behavioral information an intent of the payment card holder;
generating, based on the behavioral information and the intent information, one or more preferences for a certain sales technique
to be used.

US Pat. No. 9,098,851

METHOD AND APPARATUS FOR SIMPLIFYING THE HANDLING OF COMPLEX PAYMENT TRANSACTIONS

MASTERCARD INTERNATIONAL ...

1. A method for payment with a payment device when a final transaction amount is not known upon first presentation of said
payment device to a merchant, said method comprising the steps of:
charging a predetermined amount upon said first presentation, using at least one hardware processor;
calculating said final transaction amount, using said at least one hardware processor and subsequent to said first presentation,
said calculated final transaction amount being calculated at a central server;

calculating a variable adjustment value using said at least one hardware processor by comparing said predetermined amount
already charged with said final transaction amount, said calculated variable adjustment value being calculated at said central
server; and

modifying a new predetermined amount charged, upon a next presentation of said payment device for a next transaction, by said
variable adjustment value, using said at least one hardware processor;

wherein:
said payment device comprises a smart card having a monetary balance stored thereon;
said merchant comprises a transit authority associated with a transit system; and
said first presentation comprises entry to said transit system for a journey and said predetermined amount is charged against
said monetary balance stored on said smart card;

further comprising the additional step of checking out of said transit system, using said smart card, at an end of said journey;
wherein:
said final transaction amount comprises a distance based transit fare, calculated at said central server, after said checking
out, based on said first presentation and said checking out, according to a fare calculation scheme having a maximum fare
for a maximum distance traveled and at least one lesser fare for a lesser distance traveled;

said variable adjustment value is calculated at said central server as a difference between said maximum fare and said final
transaction amount;

said predetermined amount comprises one of:
said maximum fare; and
said maximum fare less a previous variable adjustment value; and
said new predetermined amount charged is charged against said monetary balance stored on said smart card.

US Pat. No. 9,082,121

SYSTEM AND METHOD FOR GUIDED PASSCODE ENTRY

MASTERCARD INTERNATIONAL ...

1. A method for guided entry of a passcode by a user in connection with a secure transaction at a terminal, the passcode being
stored in a database and known to the user and being prescribed to have a number of characters that each have a prescribed
position in a prescribed input order, the method comprising:
receiving a randomized input sequence at the terminal, wherein the randomized input sequence is a randomly arranged sequence
of digits in the range 1 to N, wherein N is the number of characters in the passcode and wherein each digit corresponds to
one of the prescribed positions in the prescribed input order such that the randomized input sequence defines a randomized
order for the user to input the characters of the passcode;

presenting the randomized input sequence to the user at the terminal and prompting the user to input the passcode according
to the prescribed input order and the randomized order;

receiving input data at the terminal from the user comprising characters of the passcode, wherein the characters of the passcode
are input by the user and received at the terminal in an order;

reordering, the input data in accordance with the randomized input order presented to the user and in regard to the order
that the characters of the passcode were received at the terminal;

causing a test of the reordered input data against a database of passcodes associated with a plurality of users for an exact
match, wherein the test comprises comparing the passcode associated with the user stored in the database to the characters
of the input data reordered in accordance with the randomized input order; and

advancing the secure transaction at the terminal in response to any exact match of the received input data to the passcode.

US Pat. No. 9,552,578

METHOD AND SYSTEM FOR AUTHENTICATION OF PAYMENT CARD TRANSACTIONS

MASTERCARD INTERNATIONAL ...

1. A method for validating payment card transactions, the method comprising:
storing, in a database of a payment card provider, a pairing between a numeric or alphanumeric code of a vehicle registration
plate of a payment card holder and an identification of a mobile device of the payment card holder,

determining, by a payment area device, a numeric or alphanumeric code on a vehicle registration plate of a vehicle as the
vehicle approaches a payment area from a picture taken of the vehicle registration plate by the payment area device;

where the payment area device is communicatively coupled to a wireless communication circuit, the wireless communication circuit
including at least one of a wireless communication tag and a wireless communication reader to receive or selectively provide
wireless connectivity data from or to the payment area via a wireless communication link;

determining, by the payment area device, a numeric or alphanumeric identification of the mobile device that has been received
via the wireless communication link;

initiating a payment card transaction with the payment card provider by the payment area device upon receipt of a preauthorization
signal from the mobile device via the wireless communication link;

comparing a pairing of the determined numeric or alphanumeric code on the vehicle registration plate and the numeric or alphanumeric
identification of the mobile device with the pairing in the database to determine if the pairings match;

determining whether the payment transaction is valid or invalid based whether the comparison results in a match; and
completing a payment card transaction if the transaction is determined to be valid since there is the match and denying the
payment card transaction if the transaction is determined to be invalid since there is no match.

US Pat. No. 9,424,610

METHOD AND APPARATUS FOR PERFORMING TRANSACTION ITEM IDENTIFICATION

MASTERCARD INTERNATIONAL ...

1. A method for identifying items of a transaction comprising the steps of:
recording transaction information to a transaction information database;
retrieving at least a portion of the transaction information from the transaction information database, the at least a portion
of the transaction information being specific to a single transaction and including one or more of a merchant ID, a transaction
amount, and a transaction location;

determining a tax rate associated with the transaction;
removing taxes applied during the transaction from the transaction amount, thereby producing a pre-tax transaction amount;
querying a website affiliated with a merchant involved in the transaction;
determining whether one or more items each have a price identical to the pre-tax transaction amount;
clustering the one or more items;
profiling a consumer account affiliated with a payment device used in the transaction;
generating probability values for the one or more items;
retrieving an item ID from the website, the item ID being affiliated with an item of the one or more items with the highest
probability value; and

recording the item ID in an itemized database.

US Pat. No. 9,378,510

AUTOMATIC DETERMINATION OF ACCOUNT OWNERS TO BE ENCOURAGED TO UTILIZE POINT OF SALE TRANSACTIONS

MasterCard International ...

1. A system, comprising:
an account owner database storing account owner information associated with account owners of payment accounts;
a set of Automated Teller Machine (“ATM”) users database;
a sub-set for Point Of Sale (“POS”) migration database;
an analyzer platform coupled to the account owner database, the set of ATM users database, and the sub-set for POS migration
database, including:

a computer processor for executing program instructions; and
a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor for:
analyzing the account owner information to automatically identify a set of account owners primarily associated with ATM device
transactions in connection with the payment accounts,

storing information about the identified set of account holders into the set of ATM users database;
from the set of ATM users database, automatically creating a sub-set of account owners likely to be successfully encouraged
to utilize POS transactions, instead of ATM device transactions, in connection with the payment accounts,

storing information about the created sub-set of account holders into the sub-set for POS migration database;
calculating a potential transaction spend value associated with each entry in the sub-set for POS migration database, and
transmitting indications of the potential transaction spend values; and
an output device to receive the indications of the potential transaction spend values and display to a user indications of
user account identifiers, each proximate to a display of an associated potential transaction spend value.

US Pat. No. 9,189,786

SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS

MasterCard International ...

1. A process for operating a reader device, the process comprising:
receiving, by a reader device over a contactless interface, application data comprising a primary account number (PAN) and
a PAN sequence number (PSN) from a proximity payment device;

comparing, by the reader device, the PAN and the PSN to data stored in a torn transaction log of said reader device to determine
if said proximity payment device was involved in an interrupted transaction at said reader device;

determining, by the reader device, based on the comparison, that said proximity payment device was involved in an interrupted
transaction at said reader device;

transmitting, by the reader device, a recover application cryptogram signal to said proximity payment device to attempt to
retry said interrupted transaction;

erasing, by the reader device, the data stored in the torn transaction log associated with the interrupted transaction;
receiving, by the reader device, a response signal including an application cryptogram from the proximity payment device;
validating, by the reader device, the received application cryptogram;
transmitting, by the reader device, status data associated with the interrupted transaction and transaction details to a terminal
device in communication with the reader device;

analyzing, by the reader device, at least a second portion of the application data and determining a type of data storage
supported by the proximity payment device; and

conducting, by the reader device, a payment transaction under control of the reader device using the type of data storage
supported by the proximity payment device.

US Pat. No. 9,165,293

SYSTEMS AND METHODS FOR WAVEFORM TRANSMISSION OF TRANSACTION CARD DATA

MasterCard International ...

1. A portable computing device for transmitting transaction card data to a merchant point-of-sale (POS) device, said computing
device comprising:
a memory device for storing data;
a processor; and
a transmitter, said processor in communication with said memory device and said transmitter, said computing device programmed
to:

receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card;
convert the transaction card data to a first data file for storage within said memory device;
transmit the first data file to said transmitter; and
transmit a first waveform from said transmitter to the POS device, wherein the first waveform comprises changing magnetic
fields that represent the transaction card data, and wherein the changing magnetic fields are configured to be received remotely
by a magnetic reader head of the POS device.

US Pat. No. 9,280,880

METHOD AND SYSTEM FOR GENERATING ALTERNATIVE IDENTIFICATION PAYMENT CARDS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for electronically generating alternative identification payment cards, comprising:
electronically receiving, by a receiving device of a processing server device, a payment card request from a payment card
issuer for the generation of alternative identification numbers;

storing, in a memory device of the processing server device, a plurality of payment account numbers, wherein each payment
account number is associated with a payment account;

in response to the payment card request received from the payment card issuer, electronically generating, by a processing
device of the processing server device that is electronically coupled to and configured to communicate data with the memory
device, an alternative identification number for each payment account number of the plurality of payment account numbers,
to be included on payment cards in addition to each payment account number, wherein the alternative identification number
includes at least a program identifier, a unique identifier, and a check value;

electronically generating, by the processing device of the processing server device, a data file including each payment account
number of the plurality of payment account numbers and the generated alternative identification number for each respective
payment account number; and

transmitting, by a transmitting device of the processing server device, the generated data file to a card printing device
for printing a plurality of payment cards including both respective payment account numbers and respective generated alternative
identification numbers included in said generated data file, wherein said processing server device is configured to electronically
communicate with said card printing device via a communication network.

US Pat. No. 9,147,183

SYSTEMS AND METHODS FOR ANALYSIS AND LINKAGE BETWEEN DIFFERENT TRANSACTION DATA PROVIDERS

MasterCard International ...

1. A computerized method, comprising:
receiving a first set of de-identified transaction data from a first transaction data source, the first set of de-identified
transaction data having all personally identifiable information removed therefrom;

receiving a second set of de-identified transaction data from a second transaction data source, the second set of de-identified
transaction data having all personally identifiable information removed therefrom;

filtering said first and second sets of de-identified transaction data to identify transactions in each of said first and
second sets of de-identified transaction data associated with at least a first entity and to create first and second filtered
data sets including the identified transactions;

removing data associated with an identifier field for each of said transactions in said first filtered data set to create
a de-identified first data set;

removing data associated with an identifier field for each of said transactions in said second filtered data set to create
a de-identified second data set; and

processing said first and second de-identified data using a probabilistic engine to establish a linkage between data in each
data set, the linkage being a probability score representing a probability match between the first and second de-identified
data sets.

US Pat. No. 9,595,030

FLEXIBLE ELECTRONIC PAYMENT TRANSACTION PROCESS

MasterCard International ...

1. A payment transaction processing method, comprising:
receiving, by a POS (point of sale) terminal, an instruction from a payment device, the instruction for instructing the POS
terminal to present a prompt to a user of the payment device;

prompting the user, by the POS terminal, to enter data related to a motor vehicle associated with the user;
receiving, by the POS terminal, data input into the POS terminal in response to the prompting by the POS terminal, said data
input including the data related to the motor vehicle;

performing an EMV payment transaction between the POS terminal and the payment device; and
transmitting, by the POS terminal, an authorization request to be routed to an issuer of the payment device;
wherein the authorization request includes at least some of the data input into the POS terminal by the user of the payment
device.

US Pat. No. 9,367,871

PREDICTING ACCOUNT HOLDER TRAVEL WITHOUT TRANSACTION DATA

MASTERCARD INTERNATIONAL ...

1. A method of anticipating future travel, the method comprising:
receiving cookie data via a network interface, the cookie data including a plurality of cookies, each cookie containing: an
Internet Protocol address associated with a browsing computer and a web site address;

identifying a travel-related cookie from the plurality of cookies with a processor, when the web site address of the travel-related
cookie is associated with a travel web site;

identifying, with the processor, a customer account associated with the travel-related cookie by comparing the Internet Protocol
address of the browsing computer with a database of known customer Internet Protocol addresses, the database being stored
on a non-transitory computer-readable storage medium, the customer account containing contact information of the customer;

using the contact information to send the customer a travel-related notification via the network interface.

US Pat. No. 9,123,033

RECEIPT PROCESSING AND ACCESS SERVICE

MasterCard International ...

1. A method comprising:
receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service directly
from a point of sale device;

determining, in reply to the query request, whether the PAN is registered with the electronic receipt service;
determining an electronic receipt handling option associated with the PAN; and
sending a response including at least an electronic receipt destination address, the electronic receipt destination address
being an address to which an electronic receipt associated with the PAN of the query request is to be sent;

wherein determining whether the PAN is registered with the electronic receipt service occurs substantially at the same time
with determining whether the payment transaction is authorized.

US Pat. No. 9,053,481

METHODS AND SYSTEMS FOR PROVIDING A PAYMENT ACCOUNT WITH ADAPTIVE INTERCHANGE

MasterCard International ...

1. A method for operating a mobile device to conduct a payment transaction, comprising:
presenting the mobile device at a point of sale for use in a payment transaction;
receiving, from a user of said mobile device, a selection of a primary payment account for use in said payment transaction;
automatically identifying, in said mobile device, at the point of sale, a product type of said primary payment account; and
automatically selecting, by said mobile device, at the point of sale, a proxy payment account identifier having an equivalent
product type as said product type of said primary payment account and causing said proxy payment account identifier to be
transmitted to said point of sale for use in said payment transaction.

US Pat. No. 9,652,767

METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN SCORING OF CONSUMER SPENDING BEHAVIOR

MASTERCARD INTERNATIONAL ...

1. A method for maintaining consumer privacy in consumer analytics, comprising:
storing, in a memory of a first computing system, a plurality of account identifiers, wherein each account identifier is associated
with a payment account corresponding to a consumer;

receiving, by a receiver of the first computing system, transmitted data, wherein the transmitted data includes at least a
consumer analytics request and a data file including at least a plurality of first encrypted account identifiers, wherein
each first encrypted account identifier is encrypted using a first one-way encryption and is associated with a payment account
corresponding to a consumer, and further including, for each first encrypted account identifier, a set of consumer characteristics
associated with the consumer corresponding to the associated payment account;

disguising, by a processor of the first computing system, each set of consumer characteristics included in the received data
file such that the respective set of consumer characteristics is not personally identifiable;

mapping, in the memory of the first computing system, each of the plurality of first encrypted account identifiers and corresponding
disguised set of consumer characteristics to an account identifier of the plurality of account identifiers; and

transmitting, by a transmitter of the first computing system, at least each account identifier and mapped first encrypted
account identifier and corresponding disguised set of consumer characteristics to a second computing system.

US Pat. No. 9,514,460

METHOD AND SYSTEM FOR FACILITATING PAYMENTS ON A PAYMENT CARD NETWORK

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method of processing a payment request, the method comprising:
(i) determining, by a processor of a network node, when a current time is within a predefined period of a payment time associated
with a payment profile;

(ii) determining, by the processor, an account number, a payment amount and a payment provider associated with the payment
profile;

(iii) transmitting to the payment provider, by the processor, a request for pre-authorization of payment of the payment amount
from an account associated with the determined account number;

(iv) responsive to receiving a pre-authorization from the payment provider, associating, by the processor, an authorization
indication with the payment profile, the authorization indication associated with a time period; and

(v) responsive to determining that an elapsed time since receiving the pre-authorization is greater than the time period associated
with the authorization indication, repeating steps (iii) and (iv) at predefined intervals until a limiting condition is detected.

US Pat. No. 9,276,804

SYSTEMS AND METHODS FOR BROADBAND BACKUP

MASTERCARD INTERNATIONAL ...

1. A multiple network bridge system comprising:
a first network device that is coupled to a first service provider multiprotocol label switching (MPLS) network and configured
to route financial transaction authorization requests from a merchant to a payment card interchange network and financial
transaction authorization responses from the payment card interchange to the merchant;

a second network device that is coupled to a second service provider Internet-based network and configured to route the financial
transaction authorization requests from the merchant to the payment card interchange network and the financial transaction
authorization responses from the payment card interchange to the merchant when said first service provider MPLS network is
unavailable or when enforcing Quality of Service;

a third network device that facilitates communication between the first service provider network and the second service provider
network and is communicatively coupled to the payment card interchange network located remotely from the multiple network
bridge system; and

a fourth network device that is coupled to the Internet through a firewall, wherein the fourth network device is coupled to
said third network device such that said fourth network device is capable of communicating with said first and second network
devices.

US Pat. No. 9,071,963

METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR SECURE NEAR FIELD COMMUNICATION OF A NON-SECURE MEMORY ELEMENT PAYLOAD

MASTERCARD INTERNATIONAL ...

1. A method for secure near field communication (NFC) of a non-secure memory element payload, the method comprising:
receiving, at an NFC enabled mobile device and from a content provider, a payload;
storing the received payload in a non-secure memory element located within the NFC enabled mobile device;
transferring the stored payload from the non-secure memory element located within the NFC enabled mobile device to a secure
memory element located within the NFC enabled mobile device, wherein transferring the stored payload includes loading the
stored payload into a secure reloadable payload instance included in the secure memory element located within the NFC enabled
mobile device, wherein a payload key included in the secure memory element is used to authenticate data in the stored payload
prior to loading the stored payload into the secure reloadable payload instance in the secure memory element, and wherein
the secure memory element includes a non-detachable embedded memory element located within the NFC enabled mobile device;

establishing a NFC link between the NFC enabled mobile device and an NFC reader; and
communicating, via the NFC link, the transferred payload from the secure reloadable payload instance to the NFC reader.

US Pat. No. 9,060,195

TELEVISION ADVERTISING MESSAGE TARGETING ACCORDING TO SUBSCRIBER PURCHASING BEHAVIOR

MasterCard International ...

1. A method of delivering targeted television advertising, comprising:
modeling purchasing behavior of a selected television service subscriber using a payment card transaction database with a
processor;

identifying television advertising messages that may appeal to the selected television service subscriber based upon the modeled
purchasing behavior with the processor;

wherein the modeling further includes:
receiving from a television service provider payment card transaction information for the selected television service subscriber
via a communication interface;

searching the payment card transaction database to identify the selected television service subscriber based upon the received
transaction information with the processor;

searching the payment card transaction database for credit card purchase transactions made by the selected television service
subscriber with the processor;

wherein the payment card transaction information received from the television service provider further includes an identifier
for the selected television service subscriber and transaction date, time and amount for a purchase of television service;
and

wherein the television service provider payment card transaction information for the selected television service subscriber
received from the television service provider is anonymous.

US Pat. No. 9,503,871

SYSTEMS AND METHODS FOR PROVIDING NOTIFICATIONS IN A COMMUNICATIONS SYSTEM

MASTERCARD INTERNATIONAL ...

1. A method of transmitting a communication to a user, the method comprising:
(a) determining, by a processor, a first communication scheme from a potential set of communication schemes;
(b) transmitting, by the processor, a first communication in accordance with the first communication scheme, the first communication
scheme defining a first communication service by which the first communication is to be transmitted and a first user device
to which the first communication is to be transmitted;

(c) determining, by the processor, whether an acknowledgment response has been received from the first user device within
a predefined period from transmission of the first communication; and

responsive to determining that the first communication was not received by the first user device:
(d) determining, by the processor, a further communication scheme different from the first communication scheme, the further
communication scheme defining a further communication service by which a further communication is to be transmitted and a
further user device to which the further communication is to be transmitted; and

(e) transmitting, by the processor, the further communication in accordance with the further communication scheme;
wherein the potential set of communication schemes is based on one or more of:
a location of at least one of the first user device and the further user device; and
an application being executed on the first user device and/or the further user device.

US Pat. No. 9,436,964

SYSTEMS AND METHODS FOR MANDATED SERVICES VERIFICATION

MasterCard International ...

1. A computer-based method for verifying cardholder compliance with a mandated services requirement by a third party using
a payment card network, the method implemented using a mandated services verification (MSV) computer device coupled to a memory
device, the method comprising:
receiving, by the MSV computer device, sets of mandated services verification (MSV) identification parameters that each define
a transaction for one or more mandated services;

receiving, by the MSV computer device, from the payment card network, transaction data for a plurality of cardholder transactions
of a plurality of cardholders of the payment card network;

determining, by the MSV computer device, using the received sets of MSV parameters, which of the plurality of cardholder transactions
are MSV-related transactions, the MSV-related transactions including mandated services purchased by at least one of the plurality
of cardholders for the purpose of fulfilling a requirement imposed on the at least one of the plurality of cardholders for
the mandated services;

generating, by the MSV computer device, a summary report of transactions for each mandated service required by the third party;
and

electronically transmitting the generated summary report, from the MSV computer device to a corresponding electronic device
of the third party, the generated summary report demonstrating cardholder compliance or noncompliance with the mandated services
requirement.

US Pat. No. 9,218,479

METHOD AND SYSTEM FOR COMPUTING CODE MANAGEMENT PLATFORM

MASTERCARD INTERNATIONAL ...

1. A method for authenticating a computing device, comprising:
storing, in an account database, an account profile, wherein the account profile includes data related to a service account
including at least an account identifier, a device identifier, and an alphanumeric code;

generating, by a processing device, a session identifier and a seed value;
computing, by the processing device, a first hash using at least the session identifier;
computing, by the processing device, a second hash using at least the session identifier and the alphanumeric code;
computing, by the processing device, a third hash using at least the second hash and a utilized seed value;
transmitting, by a transmitting device, the session identifier to a computing device via a first communication protocol;
transmitting, by the transmitting device, the session identifier and first hash to a remote notification service for transmission
to the computing device via a second communication protocol;

receiving, by a receiving device, at least a fourth hash and the session identifier from the computing device via the first
communication protocol;

validating, by the processing device, the fourth hash based on a comparison of the fourth hash and the computed third hash;
and

transmitting, by the transmitting device, a validation result to the computing device based on the validation step.

US Pat. No. 9,558,483

SYSTEMS AND METHODS FOR TRANSFERRING VALUE TO PAYMENT ACCOUNTS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method of transferring value to a payment account associated with a consumer, the method comprising:
receiving, at a computing device, a load request from a consumer to transfer value to a payment account associated with the
consumer, the value to be transferred associated with a voucher, and the load request including the value to be transferred
and a directory number for a mobile device associated with the consumer;

determining an account number for the consumer's payment account, at the computing device, based on the directory number for
the consumer's mobile device;

generating, by the computing device, a request indicating the value to transfer to the payment account and the account number
for the consumer's payment account, whereby the value associated with the voucher can be transferred by the consumer to the
consumer's payment account; and

communicating, to an acquirer, said request indicating the value to transfer to the payment account, whereby said request
is then communicated to an issuer associated with the payment account.

US Pat. No. 9,483,765

SYSTEMS AND METHODS FOR MONITORING PAYMENT TRANSACTIONS FOR FRAUD USING SOCIAL MEDIA

MasterCard International ...

1. A computer-implemented method for detecting fraudulent payment transactions performed over a payment network, said method
implemented using a fraud monitoring device coupled to the payment network, said fraud monitoring device including a processor
in communication with a memory, said method comprising:
receiving, by the fraud monitoring device, an authorization request from a point of sale (POS) computing device for a payment
transaction performed using the POS computing device at a merchant location associated with a merchant, wherein the authorization
request represents a request to process the payment transaction, and wherein the authorization request includes a merchant
location and at least one of a merchant identifier, a cardholder identifier for a cardholder holding a payment account used
for the payment transaction, and a transaction timestamp;

associating the payment account with a social media account for the cardholder, including receiving a social media account
identifier from the cardholder to associate with an identifier corresponding with the payment account;

in response to receiving the authorization request, retrieving, by the fraud monitoring device, at least a portion of social
media location data for the cardholder from a social media computing device, wherein the social media location data includes
a social media activity location of the cardholder and a social media timestamp associated with the social media activity,
and wherein the portion is determined based on an access level defined by the cardholder;

calculating a distance between the merchant location and the social media activity location, and calculating a time between
the transaction timestamp and the social media timestamp;

determining a cardholder velocity for the cardholder by dividing the distance by the time;
generating a fraud score for the payment transaction based on one or more of comparing the distance to a distance threshold
range and comparing a cardholder velocity to a velocity threshold range; and

transmitting the fraud score to at least one of an issuing bank computing device, an acquiring bank computing device, and
a merchant computing device, wherein the fraud score represents a likelihood that the payment transaction is fraudulent.

US Pat. No. 9,380,403

METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVISIONING LOCATION SPECIFIC CONTENT INFORMATION TO A MOBILE DEVICE

MasterCard International ...

1. A system for utilizing local flavor content data in a mobile device, the system comprising:
a touch point located at a specific merchant store location configured to provide, upon being interfaced via near field communications
(NFC) by a mobile device, a location identifier to the mobile device, wherein the location identifier is associated with the
specific merchant store location, wherein the touch point includes a smart poster, an NFC contactless tag, a point of sale
device, or a wireless reader device; and

a backend server configured for receiving the location identifier associated with the specific merchant store location and
a mobile device user identifier associated with the mobile device, for utilizing the location identifier to obtain local flavor
content data, for providing the local flavor content data to the mobile device using the mobile device user identifier, wherein
the local flavor content data provides customized information unique to the specific merchant store location, and for applying
the local flavor content data to a generic application in the mobile device to generate a local flavor application that is
customized for use at the specific merchant store location, wherein the generic application includes a generic electronic
payment card application that converts, upon applying the local flavor content data to the generic application, into a merchant
specific payment card application that is customized for use at the specific merchant store location such that the merchant
specific payment card application is useable for a purchase transaction at the specific merchant store location only and provides
a benefit to a user of the mobile device that is unique only to the specific merchant store location upon use during the purchase
transaction, and wherein the generic application is stored in memory of the mobile device and is executed by a processor via
a wallet application in the mobile device, wherein the specific merchant store location is a unique geographical site that
the user of the mobile device is visiting.

US Pat. No. 10,108,929

SYSTEMS AND METHODS FOR GENERATING A REPORT FROM STREAM DATA

MASTERCARD INTERNATIONAL ...

1. An event-processing computing device, comprising:a memory for storing a presentation model for a data report including a plurality of data records; and
a processor for generating the data report from a data stream, the processor comprising:
a buffer separate from the memory;
an analyzer configured to identify within the data stream a data record event by detecting at least one of a start record event indicator and an end record event indicator within the data stream, the start and end record event indicators representing respective locations within the data stream of a start and an end of a first data record of the plurality of data records that corresponds to the identified data record event;
an extractor configured to (i) extract into the buffer the first data record of the identified data record event from the data stream based on the start record event indicator and the end record event indicator, and (ii) create a report event based on the extracted data record, wherein the created report event includes at least one report identifier; and
a generator configured to generate, based on the event indicator, one or more event handlers for (i) receiving the identified data record event and the created report event, (ii) retrieve at least one report definition from the presentation model using the report identifier (iii) inserting the extracted data record into the data report according to the retrieved report definition,
wherein the data stream is not stored in the memory.

US Pat. No. 9,836,737

METHOD AND SYSTEM FOR DISTRIBUTION OF ADVERTISEMENTS TO MOBILE DEVICES PROMPTED BY AURAL SOUND STIMULUS

MASTERCARD INTERNATIONAL ...

1. A payer device for use in an electronic financial transaction system, that includes a pay code provider, a payee, and an
acoustic emitting device configured to emit a high frequency acoustic signal, wherein the high frequency acoustic signal includes
a stream of sound that is outside the audible spectrum of a human, and the high frequency acoustic signal contains a machine-readable
pay code in which transaction details for a specific transaction are encoded, wherein the payer device is configured to receive
the high frequency acoustic signal and comprises:
a converter configured to convert the high frequency acoustic signal to a digital acoustic signal;
a processing device configured to analyze the digital acoustic signal to obtain the machine-readable pay code and request
the transaction details for the specific transaction from the pay code provider; and

a display device configure to display the transaction details.

US Pat. No. 9,799,027

SYSTEM AND METHOD TO ENABLE A NETWORK OF DIGITAL WALLETS

Mastercard International ...

1. A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app, the method
comprising:
providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital
wallet transaction, the acceptance mark comprising a link to a host server and the link, upon selection of the acceptance
mark by the consumer, accessing an acceptance network for authorizing payment and providing access to a plurality of digital
wallets of the consumer hosted by a wallet server, each of the plurality of digital wallets containing a plurality of payment
cards associated with and being selectable by the consumer, and each of the plurality of digital wallets being selectable
by the consumer;

receiving a selection by the consumer of the acceptance mark;
receiving a wallet selection by the consumer, the wallet selection selecting one of the plurality of digital wallets of the
consumer in the acceptance network;

routing the digital wallet transaction to the digital wallet in the acceptance network selected by the consumer from the plurality
of digital wallets of the consumer, the selected digital wallet capturing and validating log-in credentials provided by the
consumer;

receiving a card selection by the consumer, the card selection selecting one of the plurality of payment cards in the selected
digital wallet, the selected one of the plurality of payment cards having a shipping address associated therewith;

receiving, by the host server from the wallet server of the selected digital wallet, the digital wallet transaction with purchase
details including the selected one of the plurality of payment cards and the associated shipping address;

storing, by the host server, details for completing the purchase based on the purchase details;
the host server generating a merchant postback URL associated with the merchant web site or app, an Access Token and a checkout
resource URL associated with the selected digital wallet for retrieving the purchase details, the Access Token configured
to provide access to the stored details; and

redirecting, by the host server, the digital wallet transaction directly back to the merchant web site or app using the postback
merchant URL, the merchant web site or app obtaining the Access Token from the host server and sending the access token to
the checkout resource URL to retrieve the stored details for authorizing and completing the digital wallet transaction.

US Pat. No. 9,373,131

SYSTEMS AND METHODS FOR PROVIDING RECOMMENDATIONS TO RESIDENTIAL RELOCATORS

MasterCard International ...

1. A method for determining a relocation recommendation for a relocating cardholder relocating from a first location to a
target location, the method implemented using a relocation recommendation (RR) computing device in communication with a memory,
said method comprising:
receiving, from a cardholder device, a cardholder identifier for the relocating cardholder, and at least one of a general
target area and the target location;

determining, by the RR computing device, an area of interest for the relocating cardholder based at least in part on payment
card transaction data at the first location;

identifying at least one other cardholder having initiated payment card transactions within the target location and having
the same area of interest as the relocating cardholder;

determining at least one target merchant located within the target location that is associated with the area of interest based,
at least in part, on payment card transaction data of the at least one other cardholder; and

transmitting, to the cardholder device, a relocation recommendation including at least one of (i) a target location and (ii)
a name and a location of the at least one target merchant to the relocating cardholder.

US Pat. No. 9,356,710

METHODS AND APPARATUS FOR CONSUMER TESTING OF AN NFC DEVICE

MasterCard International ...

1. A method comprising:
initializing, by a processor of a mobile device, a near-field communication (NFC) test application to test contactless communications
functionality of NFC circuitry of the mobile device;

displaying, by the processor on a display screen of the mobile device, a prompt for a user to position the mobile device onto
a test platform comprising at least one NFC tag;

initializing, by the processor, the NFC circuitry to power and communicate with the at least one NFC tag; and
displaying, by the processor on the display screen of the mobile device, an indication for the user concerning functionality
of the NFC circuitry comprising at least one of a message indicating successful completion of NFC circuitry testing, a message
that the NFC circuitry functioned correctly, a message that the NFC circuitry failed to function correctly, and a message
instructing the user to contact customer support of at least one of a device manufacturer and a device supplier.

US Pat. No. 9,092,828

DATA SHARING PLATFORM

MASTERCARD INTERNATIONAL ...

1. A method for allowing a plurality of payment card account holders which make payments with a payment card network to share
payment card transaction data with at least one of a third party social network, a third party social matching web site, and
a third party rating web site, said method comprising the steps of:
maintaining, by at least one hardware processor, within said payment card network, a data sharing platform including a database
containing said payment card transaction data from said plurality of payment card account holders, wherein said transaction
data corresponds to payment card transactions made by said plurality of payment card account holders using said payment card
network;

providing, by said at least one hardware processor, a web server of a consumer control module of said data sharing platform,
said web server hosting an internet-based user interface which presents at least one payment card account holder of said plurality
of payment card account holders which make payments with said payment card network with at least one selection providing consent
to sharing of at least a portion of said payment card transaction data with said at least one of a third party social network,
a third party social matching web site, and a third party rating web site;

obtaining, by said at least one hardware processor, said consent from said at least one payment card account holder of said
plurality of payment card account holders which make payments with said payment card network, via said at least one selection,
said at least one selection being obtained by said internet-based user interface; and

interfacing, by said at least one hardware processod, via an application program interface of said consumer control module,
with said at least one of a third party social network, a third party social matching web site, and a third party rating web
site, to share said at least portion of said transaction data with said at least one of a third party social network, a third
party social matching web site, and a third party rating web site.

US Pat. No. 9,811,837

SYSTEM AND METHOD FOR SETTING A PRODUCT WATCH ON TRANSACTION DATA

MASTERCARD INTERNATIONAL ...

9. A method for determining at least one of availability and price of a product, comprising:
storing in an electronic storage device a database of merchant transactions;
removing the confidential customer sensitive information from the merchant transaction data with a filter;
storing the filtered merchant transaction data in a filtered transaction database;
identifying filtered transaction data as no longer current after a predetermined amount of time;
receiving, via an access interface, a location of a user;
receiving, via an access interface, a transaction rule from the user, wherein the transaction rule identifies a parameter
of a product watch;

receiving, via an access interface a specified notification preference for providing results of the product watch to the user;
accessing and searching the filtered merchant transaction data in the filtered transaction database, the filtered merchant
transaction data, the filtered merchant transaction data including a product transaction time and a product transaction price
for each transaction;

comparing the parameters of the product watch identified by the transaction rule to the transaction data;
identifying matches resulting from the comparison of the transaction rule to the filtered merchant transaction data; and
assembling the filtered merchant transaction data from the filtered transaction database to provide the identified matches
with the at least one product transaction time and the at least one product transaction price for each transaction, to provide
at least one location where the product was available, and the price at which the product was sold at that location.

US Pat. No. 9,619,798

SYSTEM AND METHOD FOR PROVIDING EMERGENCY PREPAID CARD

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for funding an emergency prepaid card, the method being implemented by a first computing
device having a memory storing instructions in the form of code and a processor configured by executing the instructions therein,
and wherein a customer authorizes the funding of an emergency account using funds from a customer bank account known to a
payment network as being associated with the customer, and wherein the payment network, using the first computing device,
provides the customer with an issue code associated with the funded emergency account and a geographic location of the customer,
the method comprising:
receiving, from a merchant using a second computing device associated with a gift card activator, the issue code and an emergency
prepaid card number;

validating the issue code, wherein the step of validating the issue code comprises:
comparing the geographic location of the customer to a geographic location of the merchant, and
verifying that the geographic location of the merchant is within a predefined distance of the geographic location of the customer;
associating a credit balance with the emergency prepaid card number in the event that the issue code is validated; and
activating the emergency prepaid card.

US Pat. No. 9,558,605

SYSTEMS AND METHODS FOR AUTHORIZING ACCESS TO FACILITIES

MASTERCARD INTERNATIONAL ...

1. A method of processing requests comprising data indicative of a card number, the method comprising:
receiving, at a first network node, a first request comprising data indicative of a card number;
operating a processor to:
determine that the first request comprises a request for access at an entry point to a-facility due to the request including
insufficient information to be a payment request, the entry point remote from the first network node;

identify a set of rules associated with the card number; and
authorize access to the requested facility in accordance with the identified set of rules;
receiving, at a second network node, a second request comprising data indicative of the card number; and
operating a second processor to:
determine that the second request comprises a payment request;
identify a payment provider associated with the card number; and
transmit the payment request to the identified payment provider.

US Pat. No. 9,520,003

TRANSPORT SYSTEM USER INSPECTION

MASTERCARD INTERNATIONAL ...

1. A method of inspecting a user device of a user of a transport system, wherein an inspection system comprises a portable
inspection device and a server, the server being remote from the portable inspection device, the method comprising:
obtaining, by the portable inspection device, identification data of the user device of the user of the transport system;
generating an inspection result of the user device, by the inspection system, in dependence on the read identification data
and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of
a respective user device of a respective plurality of users of the transport system;

conveying, by the portable inspection device, the result of the inspection;
receiving, by the server, batches of entry data from a plurality of computing devices at a respective plurality of locations;
and

generating, within a database, a second record in dependence on the received batches, wherein the second record comprises,
for each location, determined time and status data of the most recently received batch from that location.

US Pat. No. 9,508,071

USER AUTHENTICATION METHOD AND DEVICE FOR CREDENTIALS BACK-UP SERVICE TO MOBILE DEVICES

MasterCard International ...

1. A method comprising:
storing back-up credentials data in a back-up services computer;
establishing a communication channel between a mobile device and the back-up service computer, said mobile device configured
to engage in mobile telecommunications via a mobile telecommunications network, said communication channel constituted at
least in part by said mobile telecommunications network;

exchanging short-range wireless data communications between an authentication device and the mobile device;
entering user authentication data into the mobile device;
transmitting the user authentication data from the mobile device to the authentication device;
receiving the user authentication data in the authentication device;
verifying the received user authentication data in the authentication device;
in response to a result of the verifying step, generating a cryptogram in the authentication device;
transmitting the cryptogram from the authentication device to the mobile device;
receiving the cryptogram in the mobile device;
transmitting the cryptogram from the mobile device to the back-up services computer;
receiving the cryptogram in the back-up services computer;
verifying the cryptogram in the back-up services computer; and
in response to a result of the second verifying step, making the stored back-up credentials data accessible to the mobile
device.

US Pat. No. 9,218,599

METHOD AND SYSTEM FOR AUTOMATIC CHARGEBACK REIMBURSEMENT FOR PRODUCT RETURNS

MASTERCARD INTERNATIONAL ...

1. A method for processing an automatic chargeback request, comprising:
storing, in an account database, a plurality of account profiles, wherein each account profile includes data related to a
payment account including at least an account identifier;

receiving, by a receiving device, an indication of a product return, wherein the indication includes at least a specific account
identifier, a product amount, and a merchant identifier;

identifying, in the account database, a specific account profile where the included account identifier corresponds to the
specific account identifier;

generating, by a processing device, a chargeback request for a chargeback to be initiated against a merchant associated with
the merchant identifier for the product amount for benefit to the payment account related to the specific account profile;
and

transmitting, by a transmitting device, the generated chargeback request.

US Pat. No. 9,202,214

METHODS AND APPARATUS FOR PROVIDING AND OPERATING AN ENHANCED PAYMENT DISPLAY CARD WITH NETWORK SUPPORT

MasterCard International ...

1. A method, comprising:
receiving, by a display card having an input device and a display device, a user input, said user input received via said
input device, the display card also having a card-shaped body, the display device and the input device supported on the card-shaped
body; said card-shaped body having a thickness of substantially 0.76 mm; said card-shaped body having a top area of substantially
85.60×53.98 mm with rounded corners having a radius of 2.88-3.48 mm;

processing, using a driver application on said display card, said user input;
generating, based on said user input, a command;
providing said command to an application on said display card for processing to affect an operating mode of said display card;
generating, by said driver application, a message for display on said display device; said message for display on said display
device for prompting a user to input vehicle mileage data;

receiving in the display card a user input of said vehicle mileage data;
connecting the display card to a payment terminal in connection with a payment account transaction;
transmitting the received vehicle mileage data from the display card to a remote system in connection with the payment account
transaction; and

displaying to the user via the display device an indication that the display card has successfully transmitted the vehicle
mileage data to the remote system.

US Pat. No. 9,092,076

ELECTRONIC TRANSACTION CARD WITH STYLUS

MasterCard International ...

1. An electronic transaction card, comprising:
a base constructed from a substantially rectangular material having a first and
second face defining at least a first thickness, wherein the base further defines a cut-out that extends inward from a side
of the base that is between two corners of the base;

a mount disposed within the cut-out;
an electronic storage medium bearing information presentable to consummate a financial transaction;
a stylus having a stylus arm and tip disposed within the cut-out and in communication with the mount, wherein the stylus arm
has the first thickness and a top and a bottom surfaces of the stylus are flush with the front side and back side of the card,
respectively, and wherein the stylus has a shape that generally corresponds to the cut out, and wherein the stylus comprises
the same material as the base;

wherein the mount comprises a guide comprising guide rails, wherein the guide rails are convex and wherein the sides of the
stylus arm are concave and matingly engage the convex guide rails, and configured to support the stylus in a first position
in which the stylus is contained within a line defined by the two corners of the base and a second position in which the stylus
tip and a portion of the stylus arm extend beyond the line defined by the two corners of the base while a portion of the stylus
arm remains engaged by the me-guide rails and-while the stylus tip is extended for use;

wherein the guide rails guides the stylus in a linearly slideable manner between the first and second positions;
wherein the guide rails extend inwardly from the side of the base in the direction of the linearly sliding motion of the stylus;
and

wherein sides of the stylus arm matingly engages the guide rails while in the first and second positions and while sliding
linearly between the first and second positions.

US Pat. No. 10,074,085

VIRTUAL POS SYSTEM AND METHOD

Mastercard International ...

1. A token device for securely executing a data transaction protocol, the token device comprising:a secure element comprising a processor and memory;
a web server module configured within the secure element, running on the processor of the secure element, and arranged to transmit data messages over a network, wherein the web server module is configured to be contacted over the network via a uniform resource identifier;
a terminal application module configured within the web server module;
an application module configured within the secure element;
the terminal application module and the application module being arranged to execute, using the processor of the secure element, the data transaction protocol as one or more data exchanges therebetween within the secure element, upon receipt of a service request data message, received over the network at the web server module from an authorised remotely located Point of Sale (POS) terminal, the service request data message using the uniform resource identifier of the web server module as a destination address; and wherein
the web server module is arranged to generate a transaction response data message which is transmitted to the remotely located POS terminal on successful completion of the transaction protocol.

US Pat. No. 10,074,141

METHOD AND SYSTEM FOR LINKING FORENSIC DATA WITH PURCHASE BEHAVIOR

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for linking forensic data to transaction history, comprising:receiving, by a receiving device of a processing server, from a financial transaction network, a plurality of payment transaction data related to payment transactions processed by said financial transaction network;
storing, in a database device of the processing server, a plurality of consumer profiles,
wherein each consumer profile includes consumer data, said consumer data including at least a consumer identifier associated with a related consumer and a plurality of transaction data entries, each transaction data entry including payment transaction data, received from the financial transaction network, related to a payment transaction involving the related consumer,
wherein all personally-identifiable information (PII) of consumers associated with each consumer profile of the plurality of consumer profiles is encrypted to render said PII unidentifiable, said encryption mode being a one-way encryption, and
wherein said processing server stores the one-way encrypted PII and cannot decrypt said one-way encrypted PII;
receiving, by the receiving device of the processing server, a forensic profile, wherein the forensic profile includes forensic data obtained from a computing device;
identifying, by a processing device of the processing server, at least a correspondence between the forensic data included in the received forensic profile and transaction data included in the transaction data entries stored in the plurality of consumer profiles to obtain at least a specific consumer identifier;
identifying, in the database of the processing server, a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and
transmitting, by a transmitting device of the processing server, at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile.

US Pat. No. 9,811,829

SYSTEM AND METHOD FOR GUIDED PASSCODE ENTRY

MASTERCARD INTERNATIONAL ...

1. A computer-based method for guided entry of a passcode by a user to secure individual transactions at a terminal, the passcode
being stored in a database and known to the user and being comprised of prescribed characters, wherein the characters each
have a prescribed position within a prescribed input order for the passcode, the method comprising:
generating a randomized input sequence using one or more processors executing within one or more of the terminal and a remote
computing device that is communicatively connected to the terminal over a communication network,

wherein the randomized input sequence is generated with the one or more processors implementing a generator that reorders
the prescribed input order arbitrarily such that the randomized input sequence comprises a random rearrangement of the prescribed
positions within the prescribed input order;

providing, with the one or more processors, the randomized input sequence for use in connection with a particular transaction
at the terminal, wherein the randomized input sequence is provided in response to the terminal receiving user identifying
information and thereby initiating the particular transaction, and wherein the randomized input sequences are provided for
each of the individual transactions;

prompting, by the terminal, the user to input, at the terminal during the particular transaction, the characters of the passcode
according to the randomized input sequence, wherein the user is prompted to input the characters of the passcode one passcode
character at a time and wherein the step of prompting further comprises:

displaying to the user on a screen of the terminal, a plurality of the indicia that are arranged according to the prescribed
input order such that each of the plurality of indicia represents a respective prescribed position in the prescribed input
order;

individually and sequentially identifying, by the terminal on the screen, each of the plurality of indicia in accordance with
the randomized input sequence and thereby prompting the user to input, for each identified indicia, the character of the passcode
that corresponds to the respective prescribed position that is represented by the identified indicia;

receiving, by the terminal, the characters of the passcode input by the user and received by the terminal in a received order,
wherein the received order is an order in which each of the characters of the passcode are received by the terminal, and wherein,
in response to receipt of each individual character among the characters of the passcode, the terminal presents an updated
display on the screen wherein the display is updated by the terminal in accordance with the randomized input sequence and
the received user input;

reordering, by the one or more processors, the received characters in accordance with the randomized input sequence and in
regard to the received order;

testing, by the one or more processors, the reordered, received characters against a database of passcodes associated with
respective users for an exact match, wherein the test comprises comparing the stored passcode associated with the user to
the reordered, received characters; and

advancing, by the one or more processors, the particular transaction at the terminal in response to any exact match of the
received characters to the stored passcode, wherein advancing the particular transaction comprises displaying user options
relating to the particular transaction on the screen of the terminal.

US Pat. No. 9,747,419

PRIVACY-COMPLIANT ANALYSIS OF HEALTH BY TRANSACTION DATA

MASTERCARD INTERNATIONAL ...

1. A method comprising the steps of:
accessing health-related data, wherein said health-related data include individual health records or epidemiologic data;
accessing an ISO 8583 payment card network database of payment card transaction records corresponding to respective purchases
made using at least one payment card, wherein said ISO 8583 payment card network database of payment card transaction records
does not include any personally identifiable information;

inferring geographic locations of at least a portion of said payment card transaction records;
geographically linking at least a portion of said health-related data to said portion of said payment card transaction records
to obtain linked data by using structured query language (SQL) on said health-related data and said database of payment card
transaction records, based on said inferred geographic locations;

carrying out statistical analysis on said linked data; and
making anonymized aggregated results of said statistical analysis available to at least one appropriate party in a privacy-compliant
manner;

wherein said step of carrying out said statistical analysis on said linked data comprises a supervised learning approach that
comprises applying stratified sampling combined with logistic regression, and negative binomial regression;

wherein, in said step of making said results of said statistical analysis available to said at least one appropriate party,
said results comprise an epidemiological predictor;

wherein said epidemiological predictor comprises at least one of a correlation and a prediction regarding visiting a certain
geographic location and incidence of a certain disease.

US Pat. No. 9,600,819

SYSTEMS AND METHODS FOR RISK BASED DECISIONING

MasterCard International ...

1. A computer-implemented method for creating an assurance level based on authentication data attributes electronically captured
by a merchant computing device, the method implemented using a computer device coupled to a memory device, the method comprising:
receiving, from a sender, an authentication request message associated with a financial transaction initiated by a cardholder,
wherein the authentication request message includes authentication data attributes relating to the cardholder's interaction
with the merchant computing device;

performing an authentication routine for authenticating the cardholder as the actual cardholder using the authentication data
attributes;

transmitting an authentication response to the sender including results of the authentication routine;
receiving an authorization request message associated with the financial transaction from the sender, the authorization request
message including a fraud risk assessment of the financial transaction determined using the authentication response, the authorization
request message including one or more reason codes associated with fraud risk assessment; and

transmitting the received authorization request message to an issuer associated with the cardholder.

US Pat. No. 9,438,420

UNPREDICTABLE NUMBER GENERATION

MasterCard International ...

1. A method of generating an unpredictable number in a computing device, the method comprising:
receiving, by a computing device including a processor and a memory, a request to generate an unpredictable number, the request
including at least transaction details for a transaction to be completed using the computing device;

obtaining a plurality of data elements, at least some of the plurality of data elements being variable data obtained from
the computing device;

performing, by the processor of the computing device, a first one way function on an internal pre-image value P and the plurality
of data elements including the variable data to update the value P;

storing the updated value of P in the memory of the computing device;
performing, by the processor of the computing device, a second one way function on the updated value of P to generate the
unpredictable number; and

transmitting, by the processor of the computing device and in further response to the request, the generated unpredictable
number and at least some of the transaction details for the transaction from the computing device to complete the transaction.

US Pat. No. 9,418,365

SYSTEMS AND METHODS FOR USING SOCIAL NETWORK DATA TO DETERMINE PAYMENT FRAUD

MasterCard International ...

1. A computer-implemented method for accessing a fraud risk for an online transaction utilizing social media data, said method
implemented using a fraud monitoring device in communication with a memory, said method comprising:
receiving, by the fraud monitoring device, a request to assess the fraud risk of an online transaction initiated by a cardholder
using a payment card, wherein the fraud risk request includes a cardholder identifier;

accessing a social media account associated with the cardholder based at least in part on the cardholder identifier, wherein
the social media account includes a circle of friends, wherein each friend in the circle of friends is associated with a social
media account;

determining one or more historical payment transactions associated with at least one friend in the circle of friends;
calculating, by the fraud monitoring device, a social risk score for the cardholder based in part on the determined one or
more historical payment transactions; and

transmitting, by the fraud monitoring device, a consolidated risk assessment of the online transaction based in part on the
social risk score.

US Pat. No. 9,407,333

INDUCTIVE COUPLING FOR BATTERY SHARING AND MULTI-FUNCTION INDUCTIVE ANTENNA

MasterCard International ...

1. A mobile device comprising:
a housing;
an antenna contained and/or supported by the housing and including a plurality of loops;
a power-receiving circuit contained by the housing, said power-receiving circuit selectively connectable to the antenna;
a power-transmitting circuit contained in the housing, said power-transmitting circuit selectively connectable to the antenna;
a short-range communications circuit contained in the housing and selectively connectable to the antenna, the short-range
communications circuit for sending and/or receiving data communications signals via the antenna; and

switching circuitry coupled to the antenna, the power-receiving circuit, the power-transmitting circuit and the short-range
communications circuit such that:

when the power-receiving circuit is connected to the antenna, the power-receiving circuit is effectively coupled to a first
number of said loops of the antenna;

when the power-transmitting circuit is connected to the antenna, the power-transmitting circuit is effectively coupled to
a second number of said loops of the antenna; and

when the short-range communications circuit is connected to the antenna, the short-range communications circuit is effectively
coupled to a third number of said loops of the antenna;

said first, second and third numbers of antenna loops not all being equal to each other.

US Pat. No. 10,210,685

VOICE BIOMETRIC ANALYSIS SYSTEMS AND METHODS FOR VERBAL TRANSACTIONS CONDUCTED OVER A COMMUNICATIONS NETWORK

MASTERCARD INTERNATIONAL ...

1. A voice biometric analysis system for authenticating a customer as an authorized payment card user to a merchant over a communications network, the system comprising:a passive voice biometric analysis device configured to:
store a plurality of respective voice samples of enrolled authorized payment card users;
sample a verbal conversation between the customer and the merchant over the communications network;
analyze the customer's voice characteristics from the sampled verbal conversation;
compare, during the sampled verbal conversation, the analyzed customer's voice characteristics in the sampled verbal conversation to characteristics of at least one of the stored voice sample to authenticate the customer as one of the enrolled authorized payment card users; and
advise the merchant whether the customer has been authenticated as an enrolled authorized payment card user.

US Pat. No. 10,089,632

DATA SHARING PLATFORM

MASTERCARD INTERNATIONAL ...

1. A method for sharing transaction data by a switching node within a payment network, said method comprising the steps of:maintaining, by said switching node within said payment network, a database populated with said transaction data received from a plurality of entities, wherein said transaction data corresponds to payments made by at least one entity of said plurality of entities using said payment network;
maintaining, by said switching node, consent data provided by said at least one entity, said consent data providing consent to share at least a portion of said transaction data with a third party;
maintaining, by said switching node, a registered user database storing a table including a list of registered users that have provided consent data including said at least one entity, a data sharing preference of said at least one entity and a secure token associated with said at least one entity;
receiving, by said switching node, a copy of said secure token from said third party via a third party interface module and a network;
granting, by said switching node, said third party access to said transaction data of said at least one entity associated with said secure token upon matching said copy of said secure token to said secure token stored in said registered user database;
filtering, by said switching node, said transaction data using said data sharing preference to obtain said portion of said transaction data; and
interfacing, by said switching node, with said third party via said third party interface module and said network, to publish said portion of said transaction data via said third party.

US Pat. No. 9,836,738

INBOUND INTEGRATED PRODUCTION MESSAGES TRANSACTION FILE SPLITTER

MASTERCARD INTERNATIONAL ...

1. A method of clearing payment card transactions in a payment card transaction processing system, comprising:
receiving a batch of payment card transaction records at a processor of the payment card transaction processing system;
splitting, with the processor, the batch of payment card transactions into one or more split files according to one or more
processing agreements, each of the processing agreements comprising a splitting rules table stored in a computer memory of
the payment card transaction processing system, the splitting rules table including: a geographic or political boundaries
rules column that contains either a geographic boundary rule or a political boundary rule, a currency rules column that contains
a currency-based rule, and a clearing management system (CMS) column that lists at least one clearing management system associated
with the one or more processing agreements, the splitting further comprising:

determining that one or more transaction record of the batch is subject to a processing agreement requiring local clearing
management specified by either the geographic boundary rule or the political boundary rule;

placing each transaction record that is subject to the processing agreement requiring local clearing management in a local
split file associated with a respective processing agreement requiring local clearing management;

placing each transaction record that is not subject to any processing agreement requiring local clearing management in a global
split file; and,

determining a clearing location for each transaction record according to the splitting rules table;
determining, for each of the one or more split files, that the split file can be cleared by an associated clearing management
system by a close of a same business day; and

distributing to the at least one associated clearing management system, in response to determining that each of the one or
more split files can be cleared by the close of the same business day, and via a network, the one or more split files according
to the one or more processing agreements based on either the geographic boundary rule, the political boundary rule or the
currency-based rule, the distributing further comprising:

transmitting each local split file to a local clearing management system associated with the processing agreement; and,
transmitting each global split file to a global clearing management system.

US Pat. No. 9,805,348

METHODS AND SYSTEMS FOR INITIATING A FINANCIAL TRANSACTION BY A CARDHOLDER DEVICE

Mastercard International ...

1. A computer-based method for processing a financial transaction initiated by a cardholder with a merchant, wherein the cardholder
initiates the transaction using a cardholder input device in communication with a merchant point of sale (POS) device, said
method implemented using a payment network computing device that is in communication with the cardholder input device, said
method comprising:
receiving, at the payment network computing device, an authorization request message relating to the financial transaction,
the authorization request message transmitted by the cardholder input device without the merchant POS device communicating
with the payment network computing device, wherein the cardholder input device electronically pairs with the merchant POS
device by i) transmitting payment account data to the merchant POS device, wherein the payment account data is associated
with a payment card issued to the cardholder, and wherein the payment account data includes a cardholder input device cryptographic
key, ii) recognizing a merchant POS device cryptographic key embedded within merchant data received from the merchant POS
device, and iii) authenticating the merchant POS device by validating the merchant POS device cryptographic key, and wherein
the authorization request message includes:

the payment account data, wherein the payment account data is associated with a payment account of the cardholder, and stored
on the cardholder input device, and

transaction data and merchant data received by the cardholder input device from the merchant POS device;
transmitting the authorization request message from the payment network computing device to an issuer bank computing device
associated with the payment account;

generating, by the payment network computing device, a merchant authentication request message by filtering out a portion
of the authorization request message that includes the merchant data;

transmitting the merchant authentication request message from the payment network computing device to an acquiring bank computing
device associated with the merchant;

generating, by the payment network computing device, an approved authorization response message after receiving a positive
validation of each of the authorization request message from the issuer bank computing device and the merchant authentication
request message from the acquiring bank computing device;

transmitting the approved authorization response message from the payment network computing device to the cardholder input
device in lieu of transmission of the approved authorization response message to the merchant POS device, causing the cardholder
input device to forward the approved authorization response message to the merchant POS device for completing the transaction;
and

generating, by the payment network computing device, a declined authorization response message after receiving a negative
validation of at least one of the authorization request message and the merchant authentication request message.

US Pat. No. 9,792,601

SYSTEM AND METHOD FOR ELECTRONICALLY PROVIDING RECEIPTS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for facilitating an automatic transmission of an electronic receipt to a user completing
a financial transaction at a merchant computing device, comprising:
receiving, by one or more processors of the merchant computing device configured by executing instructions therein, transaction
information concerning the financial transaction;

electronically reading, using the one or more configured processors of the merchant computing device using an associated electronic
transaction device reader, user-account information from the user's personal transaction device, wherein the personal transaction
device is physically presented by the user to the electronic reader for reading and includes a computer readable memory having
the user-account information and a plurality of electronic contact addresses associated with the user stored in one or more
fields of the memory, and wherein the user-account information is read from one or more fields of the memory reserved for
storing user-account information;

automatically capturing, by the one or more configured processors of the merchant computing device using the electronic transaction
device reader from the one or more fields of the personal transaction device memory, the plurality of electronic contact addresses
and contact preferences for the user concerning the automatic transmission of an electronic receipt to one or more of the
plurality of electronic contact addresses, wherein the capturing step includes:

electronically reading one or more fields of the memory reserved for non-user-account information;
determining, using the one or more configured processors, whether the electronically read non-user-account information includes
one or more of the electronic contact addresses, wherein the determining step includes analyzing the captured information
for indicators that the information corresponds to one or more prescribed types of electronic contact addresses;

transmitting, using the one or more configured processors of the merchant computing device, a transaction request including
the transaction information, the user-account information, any electronic contact address corresponding to the one or more
prescribed types, and the contact preferences to one or more of a plurality of remote computing devices over a communications
network;

causing, using the one or more configured processors of the merchant computing device, one or more of the plurality of remote
computing devices to process the financial transaction according to the transaction information and the user-account information;
and

causing, using the one or more configured processors of the merchant computing device, one or more of the plurality of remote
computing devices to automatically and selectively transmit an electronic receipt concerning the processed financial transaction
to one or more of the plurality of electronic contact addresses according to the contact preferences.

US Pat. No. 9,589,258

ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE

Mastercard International ...

1. A risk management method for a mobile device, comprising:
conducting, by processing circuitry coupled to storage elements within a secure element of a user's mobile device, a pre-sign
procedure enabling a payment capability of a mobile device payment application for a predetermined amount of time, the pre-sign
procedure selected by a user before interfacing the mobile device to exchange transaction signals with a proximity reader
of a point-of-sale (POS) terminal;

verifying, by the processing circuitry running the mobile device payment application stored in the secure element, the user;
obtaining, by the processing circuitry from a secure tick counter in the secure element of the user's mobile device, a first
tick value;

setting, by the processing circuitry of the user's mobile device, the user's mobile device into a transaction-enabled state;
obtaining, by the processing circuitry of the user's mobile device when the user's mobile device is interfaced with the proximity
reader of the POS terminal, a current tick value from the secure tick counter;

aborting a purchase transaction when the processing circuitry determines that the secure tick counter has been one of reset
or overflowed;

calculating, by the processing circuitry of the user's mobile device, a difference time value between the current tick value
and the first tick value; and

enforcing, by the processing circuitry of the user's mobile device based on the difference time value, a risk management decision.

US Pat. No. 9,542,688

METHOD AND SYSTEM FOR TARGETING SMALL BUSINESSES

MASTERCARD INTERNATIONAL ...

1. A method for identifying business service recommendations for targeted merchants, comprising:
storing, in a merchant database, a plurality of merchant profiles, wherein each merchant profile includes data related to
a merchant including at least a merchant identifier and a plurality of transaction data entries, each transaction data entry
including data related to a payment transaction;

receiving, by a receiving device, a data file including a plurality of merchant data entries, wherein each merchant data entry
includes data related to a merchant including at least a merchant identifier and a plurality of firmographics;

identifying, by a processing device, a specific merchant data entry of the plurality of merchant data entries where the included
merchant identifier corresponds to a merchant identifier included in a specific merchant profile stored in the merchant database;

calculating, by the processing device, one or more transactions scores for the merchant related to the specific merchant data
entry based on at least the data included in one or more transaction data entries included in the specific merchant profile;

identifying, by the processing device, a related merchant data entry of the plurality of merchant data entries where the included
plurality of firmographics correspond to the plurality of firmographics included in the identified specific merchant data
entry and where the included merchant identifier is not included in a merchant profile stored in the merchant database; and

identifying, by the processing device, one or more business service recommendations to adopt one or more business services
for the merchant related to the identified related merchant data entry based on at least the calculated one or more transaction
scores and the plurality of firmographics included in the identified related merchant data entry.

US Pat. No. 9,536,243

METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR FACILITATING IN-STORE OR NEAR-STORE ORDERING AND PAYMENT OF GOODS AND SERVICES THROUGH A SINGLE-TAP OF A NEAR FIELD COMMUNICATION (NFC) DEVICE

MASTERCARD INTERNATIONAL ...

1. A system for facilitating in-store or near-store ordering and payment of goods and/or services through a single tap of
a near field communication (NFC) enabled mobile device, the system comprising:
a smart poster locatable in an area that is accessible to a potential consumer of goods or services;
a mechanism in or on the smart poster that includes a content code and a location identifier associated with a portion of
a merchant ordering and payment system specific to the good or service advertised by the smart poster; and

an NFC enabled mobile device including a processor, a memory, and a wallet application residing in the memory of the NFC enabled
mobile device, wherein the NFC enabled mobile device is configured to receive the content code and the location identifier
associated with the merchant ordering and payment system from the mechanism upon interfacing with the smart poster via a single
NFC tap, wherein the wallet application, when executed by the processor, is configured to:

utilize the location identifier to direct the NFC enabled mobile device to download, from the portion of the merchant ordering
and payment system specific to the good or service advertised by the smart poster, content data associated with the good or
service identified by the content code obtained from the smart poster;

submit an order and a payment for the good or service from the NFC enabled mobile device to the merchant ordering and payment
system for order and payment processing, wherein both the order and payment bypass a point of sale terminal when communicated
by the NFC enabled mobile device to the merchant ordering and payment system; and

store the order for the good or service for a future reorder of the good or service;
wherein the NFC enabled mobile device is separate from both the smart poster and the mechanism.

US Pat. No. 9,531,549

IMAGE VERIFICATION BY AN ELECTRONIC DEVICE

MASTERCARD INTERNATIONAL ...

6. A method in a second electronic device for providing a requested image to a first electronic device, the method comprising:
receiving, at the second electronic device, a request for an image from a first electronic device, the received request including
an indication defining a size of an image;

retrieving, at the second electronic device, in response to receiving the request, at least the image requested by the first
electronic device;

converting, by the second electronic device, a size of the retrieved image in dependence on the received indication prior
to the image being transmitted to the first electronic device; and

transmitting, at the second electronic device, the retrieved image together with a certificate associated with the retrieved
image to the first electronic device, wherein the certificate comprises a protected checksum of at least the retrieved image.

US Pat. No. 9,524,504

PROTECTING PRIVACY IN AUDIENCE CREATION

MASTERCARD INTERNATIONAL ...

1. A method of generating audiences of a population of entities without the use of personally identifiable information, comprising:
storing, in a first database device, a first set of information on a multitude of entities, wherein said first set of information
stored in said first database device is not personally identifiable and includes at least (i) activities attributable to a
first multitude of entities and (ii) first entity identifiers associated with respective entities of the first multitude of
entities, said first entity identifiers having been encrypted with a first one-way encryption;

storing, in a second database device, a second set of information including at least (i) characteristics attributable to the
first multitude of entities and (ii) second entity identifiers associated with respective entities of the first multitude
of entities, said second entity identifiers having been encrypted with a second one-way encryption;

retrieving, by a processing device, from said first database device that does not store personally identifiable information,
the first set of non-personally identifiable information including (i) the activities attributable to the first multitude
of entities and (ii) the first one-way encrypted entity identifiers associated with respective entities of the first multitude
of entities, wherein the processor cannot uniquely identify a single entity from the first multitude of entities on a basis
of said retrieved first set of non-personally identifiable information;

retrieving, by the processing device, from the second database device, the second set of information including (i) the characteristics
attributable to the first multitude of entities and (ii) the second one-way encrypted entity identifiers associated with respective
entities of the first multitude of entities and that respectively correlate to said first encrypted entity identifiers, wherein
the processing device cannot uniquely identify a single entity from the first multitude of entities on a basis of said second
one-way encrypted identifiers;

without using personally identifiable information, combining, by the processing device, the first set of non-personally identifiable
information retrieved from the first database device and the second set of information retrieved from the second database
device using the first and second one-way encrypted entity identifiers to obtain a combined set of information including activities
and characteristics associated with the first multitude of entities;

without using personally identifiable information, generating, by the processing device, a multitude of microsegments based
on at least one of (1) selected activities criteria and (2) selected characteristics criteria from the combined set of information,
wherein the identity of a single entity cannot be determined from the generated microsegment;

receiving, from a third party, by the processing device, a request for creation of an audience, said request including a third
set of information including non-personally identifiable information pertaining to characteristics attributable to a second
multitude of entities, wherein the third party maintains contact information for entities in the second multitude of entities;

matching, by the processing device, characteristics in respective microsegments to characteristics attributable to the second
multitude of entities included in the non-personally identifiable information received from the third party;

determining, by the processing device, as a result of said characteristics matching, an audience of entities that (i) does
not include personally identifiable information and (ii) has a propensity to carry out certain activities based on the selected
activities criteria and/or selected characteristics criteria used in forming the microsegments; and

transmitting, by the processing device, the determined audience of entities to the third party, enabling the third party to
contact a second audience of entities, using the contact information maintained by the third party, to induce desired activities
in at least a portion of the entities in the second audience.

US Pat. No. 9,412,098

SYSTEMS AND METHODS FOR DAILY TASK OPTIMIZATION

Mastercard International ...

15. A system for determining an optimized sequence of visits by a first consumer to a plurality of intervening locations irrespective
of travel distance comprising:
a non-transitory computer-readable storage medium;
a processor configured by executing one or more software modules including instructions in the form of code stored in the
storage medium, the modules including:

a communication module that configures the processor to receive over a network from a remote device associated with the first
consumer, a start time, a start location, a final location and the plurality of intervening locations to be visited by the
first consumer;

a database module that configures the processor to store the start time, the start location, the final location and the plurality
of intervening locations to the storage medium, and wherein the database module further configures the processor to access
a database including consumer location data and a database including transaction data associated with a plurality of consumers;

a modeling module that configures the processor to generate one or more models for predicting visit durations at each of the
plurality of intervening locations using the transaction data and the consumer location data associated with one or more of
the plurality of consumers other than the first consumer being at respective intervening locations;

an analysis module that configures the processor to generate one or more ordered sequences of locations to be visited by the
first consumer, wherein each of the one or more ordered sequences begins with the start location, ends with the final location,
includes at least a portion of the plurality of intervening locations, and wherein consecutive locations in a ordered sequence
define respective travel segments there between,

wherein the analysis module further configures the processor to calculate a total duration for each of the one or more ordered
sequences, wherein the total duration is calculated using the one or more models in view of the start time, and in view of
travel times for the respective travel segments as determined from a database of travel data, and

wherein the analysis module further configures the processor to identify based on the calculated total durations, an optimal
ordered sequence from among the one or more ordered sequences, wherein the optimal ordered sequence has the lowest calculated
total duration irrespective of a total distance of the respective travel segments;

a travel module that configures the processor to determine the travel times for the respective travel segments from a database
of travel data; and

wherein the communication module further configures the processor to provide over a network to the remote device associated
with the first consumer, the optimal ordered sequence.

US Pat. No. 9,195,820

SYSTEM AND METHOD FOR GRADUATED SECURITY IN USER AUTHENTICATION

MasterCard International ...

1. A computer system for requesting personal information from a user for authenticating access to at least one computer application
of a plurality of computer applications, said computer system comprising a memory device and a processor, said computer system
programmed to:
identify a security level from a plurality of security levels for each computer application within the plurality of computer
applications, wherein the plurality of security levels include at least a first-tier security level and a second-tier security
level, wherein the second-tier security level requires the user to enter additional personal information as compared to the
first-tier security level, wherein a first computer application within the plurality of computer applications is configured
to require the first-tier security level;

create a user account for the user within the memory device, wherein creating the user account includes configuring the user
account with the first-tier security level by prompting the user to provide first personal information associated with the
user, wherein the first personal information is previously unknown to the computer system;

restrict the first computer application from requiring a password to enable access to the first computer application;
receive a user input from the user to access a second computer application that is configured to require the second-tier security
level to enable access thereto;

determine that the user account has not been granted the second-tier security level;
prompt the user to enter the additional personal information associated with the user that is previously unknown to the computer
system; and

promote the user account to the second-tier security level, including associating the additional personal information with
the user account.

US Pat. No. 9,128,946

SYSTEMS AND METHODS FOR PLATFORM-INDEPENDENT DATA FILE TRANSFERS

MasterCard International ...

1. A method for transferring a data file between a client system and a server system, the server system having a file system,
a database system, and a memory component, wherein the database system includes a database and provides the client system
with access to the file system, wherein the client system executes a first computer operating system and the server system
executes a second computer operating system, the method comprising:
receiving, by the database system, a request to store the data file, the request transmitted by a software application associated
with the client system;

receiving, by the database system, the data file from the client system;
using the database system to store the data file in the memory component within the server system;
transferring the data file from the memory component within the server system to a destination directory included within the
server file system, including declaring a Character Large Object (CLOB) variable and reading a first line of characters of
the data file from the memory component;

storing within the database a directory path to the destination directory, the directory path providing a record of the destination
directory within the server file system in which the data file has been stored; and

using the database system to output a success code to the client system if the data file is successfully stored in the destination
directory, the success code indicates that the data file was successfully stored in the destination directory.

US Pat. No. 9,836,758

METHOD AND SYSTEM FOR CREATING A CONTROL GROUP FOR CAMPAIGN MEASUREMENTS

MASTERCARD INTERNATIONAL ...

1. A method for creating a control group for campaign measurements, comprising:
storing, in a consumer database of a processing server, a plurality of consumer profiles, wherein each consumer profile includes
data related to a consumer including at least an account identifier, a spend behavior, and a microsegment associated with
the related consumer, and each consumer profile does not include any personally identifiable information, the spend behavior
of the consumer profile being derived from transaction data entries for payment transactions processed by a payment network
involving the consumer;

receiving, by a receiving device, a plurality of measurement profiles received from a third party, wherein each measurement
profile includes data related to a consumer including at least a specific account identifier and an indication of participation
or non-participation in a campaign being measured;

associating, in the consumer database, each consumer profile with a specific measurement profile where the included account
identifier corresponds to the specific account identifier included in the specific measurement profile;

identifying, by a processing device, a campaign group, wherein the campaign group includes at least one consumer profile,
each of the at least one consumer profile including a common microsegment and a common spend behavior and being associated
with a measurement profile including an indication of participation in the campaign being measured;

identifying, by the processing device, a control group, wherein the control group includes at least one consumer profile,
each of the at least one consumer profile including the common microsegment and the common spend behavior and being associated
with a measurement profile including an indication of non-participation in the campaign being measured; and

transmitting, by a transmitting device, the identified campaign group and the identified control group to the third party
while ensuring no individual consumer is personally identifiable.

US Pat. No. 9,805,384

METHOD AND SYSTEM FOR PAYMENT CARD LINKED OFFER GENERATION

MASTERCARD INTERNATIONAL ...

1. A method for discounting a payment transaction, comprising:
storing, in a memory, transaction data for a payment transaction, wherein the transaction data includes at least a transaction
amount;

receiving, by a receiving device, payment card data of a payment card of a consumer, wherein said payment card data is associated
with a payment account of the consumer and includes at least a payment account number;

receiving, by the receiving device, offer data, wherein the offer data includes an offer identifier associated with the payment
account of the consumer and a transaction modifier;

encrypting, using a predetermined encryption key, at least a portion of the payment account number included in the received
payment card data of the payment card to obtain an encrypted account number; and

updating, in the memory, the transaction amount included in the transaction data based on the transaction modifier when the
encrypted account number corresponds to the offer identifier.

US Pat. No. 9,792,605

SYSTEM AND METHOD FOR SPLIT PAYMENT CARD ACCOUNT TRANSACTIONS

MasterCard International ...

1. A method comprising:
receiving, in a split payment computer, a first account indicator, the first account indicator identifying a first financial
account;

receiving, in the split payment computer, a second account indicator, the second account indicator identifying a second financial
account; and

receiving, in the split payment computer, a split signal, the split signal indicating how future transactions are to be divided
between the first financial account and the second financial account; the split signal indicating a first percentage of a
given one of said future transactions to be charged to said first financial account and a second percentage of said given
one of said future transactions to be charged to said second financial account; the split signal having been generated in
response to an interaction by a holder of the first and second financial accounts with a slide-bar display element of a user
interaction screen display;

said given one of said future transactions including a first authorization request processed in a computerized payment network
for routing to a first issuer computer for charging said first percentage of said given one of said future transactions to
said first financial account;

said given one of said future transactions including a first authorization response issued by said first issuer computer and
routed in the computerized payment network;

said given one of said future transactions including a second authorization request processed in a computerized payment network
for routing to a second issuer computer for charging said second percentage of said given one of said future transactions
to said second financial account;

said given one of said future transactions including a second authorization response issued by said second issuer computer
and routed in the computerized payment network;

said split payment computer including a processor and a storage device in communication with the processor, the first percentage
and the second percentage stored in a data entry in the storage device.

US Pat. No. 9,779,402

ELECTRONIC AUTHENTICATION SYSTEMS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method of detecting relay attacks between first and second devices in a communications network,
the method comprising:
sending first data, by the first device, to the second device;
receiving, by the first device, a communication from the second device, the communication comprising second data generated
at the second device and a time parameter related to the generation of the second data;

measuring a total transmission time at the first device between sending the first data and receiving the communication;
determining a further time parameter related to the generation of the second data, based at least in part on the measured
total transmission time; and

determining the presence of a relay attack between the first and second devices in dependence on a comparison of the time
parameter and the further time parameter.

US Pat. No. 9,704,156

MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION

MASTERCARD INTERNATIONAL ...

1. A method comprising:
receiving user verification data in a mobile device;
providing the received user verification data to a verification software entity in the mobile device;
validating the user verification data by the verification software entity;
generating a token by the verification software entity in response to the validating of the user verification data;
transmitting the token from the verification software entity to another software entity in the mobile device;
selecting a transaction software entity from among a plurality of transaction software entities stored in the mobile device;
transmitting the token from the another software entity to the selected transaction software entity;
transmitting the token from the selected transaction software entity to the verification software entity;
receiving the token by the verification software entity from the selected transaction software entity;
verifying, by the verification software entity, the token received by the verification software entity from the selected transaction
software entity;

enabling, by the verification software entity, the selected transaction software entity to perform a transaction; and
performing a transaction by the enabled selected transaction software entity.

US Pat. No. 9,558,490

SYSTEMS AND METHODS FOR PREDICTING A MERCHANT'S CHANGE OF ACQUIRER

MasterCard International ...

1. A system, comprising:
a payment card network device to process transaction information about a plurality of transactions originating from a merchant
server, different transactions being received via different acquiring institution devices;

a transaction database storing indications of the plurality of transactions;
an acquiring institution database storing information associated with the different acquiring institution devices;
an acquiring institution prediction platform server coupled to the payment card network device, the transaction database,
and the acquiring institution database, the acquiring institution prediction platform server including:

a communication device to receive data,
a computer processor for executing program instructions, and
a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to:
access the transaction information in the transaction database,
automatically analyze the transaction information and information in the acquiring institution database to generate a prediction
that a particular acquiring institution may be associated with a transaction volume below a threshold volume in the future
while other acquiring institutions processing transactions for the merchant will not be associated with lower transaction
volumes, and

transmit via a communication network an indication associated with said prediction; and
a remote display device to receive the indication associated with said prediction via the communication network and to provide
an interactive graphical user interface display including, for the particular acquiring institution:

a plurality of merchant account identifiers,
proximate to each merchant account identifier, an associated indication related to said prediction, and
a user selectable input that, when selected by the user, automatically adjusts the acquiring institution displayed on the
graphical user interface.

US Pat. No. 9,477,957

SYSTEMS AND METHODS FOR TRANSFERRING VALUE TO PAYMENT ACCOUNTS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for transferring value from a voucher to a payment account associated with a consumer, the
method comprising:
receiving, at a computing device, a load request to transfer value from a voucher to a payment account associated with a consumer,
the load request including a selection of a provider associated with the voucher from multiple different available voucher
providers;

communicating, by the computing device, a transaction request to transfer the value from the voucher to the payment account,
the transaction request including an identification number for the voucher and an account number for the payment account;

generating, by the computing device, a confirmation that the value from the voucher has been transferred to the payment account,
when a transfer authorization is received at the computing device in response to the transaction request.

US Pat. No. 9,454,759

METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN SCORING OF CONSUMER SPENDING BEHAVIOR

MasterCard International ...

1. A method for maintaining consumer privacy in behavioral scoring, comprising:
receiving, by a receiver of a first computing system, a plurality of account identifiers, and, for each account identifier,
a corresponding first encrypted account identifier and corresponding disguised set of consumer characteristics from a second
computing system, wherein the first encrypted account identifier is a produced via encryption of the corresponding account
identifier using a first one-way encryption, and wherein the receiver of the first computing system is configured to encrypt
each account identifier into a second encrypted account identifier using a second one-way encryption upon receipt;

receiving, by the receiver of the first computing system, a plurality of transaction data entries, wherein each transaction
data entry includes data related to a payment transaction including at least a second encrypted account identifier and transaction
data; and

generating, by a processor of the first computing system, an algorithm configured to calculate a behavior prediction score
corresponding to the behavior prediction request using disguised consumer characteristic values, wherein the generated algorithm
is based on at least the transaction data included in each received transaction data entry and the disguised set of consumer
characteristics mapped to the second encrypted account identifier included in the respective transaction data entry, wherein

the first computing system does not receive any unencrypted account identifiers, any undisguised consumer characteristics,
or any personally identifiable information.

US Pat. No. 9,123,054

METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN SCORING OF CONSUMER SPENDING BEHAVIOR

MASTERCARD INTERNATIONAL ...

1. A method for maintaining consumer privacy in behavioral scoring, comprising:
storing, in a memory of a first computing system, a plurality of account identifiers, wherein each account identifier is associated
with a payment account corresponding to a consumer;

receiving, by a receiver of the first computing system, transmitted data, wherein the transmitted data includes at least a
behavior prediction request and a data file including at least a plurality of first encrypted account identifiers, wherein
each first encrypted account identifier is encrypted using a first one-way encryption and is associated with a payment account
corresponding to a consumer, and further including, for each first encrypted account identifier, a set of consumer characteristics
associated with the consumer corresponding to the associated payment account;

disguising, by a processor of the first computing system, each set of consumer characteristics included in the received data
file such that the respective set of consumer characteristics is not personally identifiable;

mapping, in the memory of the first computing system, each of the plurality of first encrypted account identifiers and corresponding
disguised set of consumer characteristics to an account identifier of the plurality of account identifiers;

transmitting, by a transmitter of the first computing system, at least each account identifier and mapped first encrypted
account identifier and corresponding disguised set of consumer characteristics to a second computing system, wherein a receiver
of the second computing system is configured to encrypt each account identifier into a second encrypted account identifier
using a second one-way encryption upon receipt;

receiving, by the receiver of the second computing system, a plurality of transaction data entries, wherein each transaction
data entry includes data related to a payment transaction including at least a second encrypted account identifier and transaction
data;

generating, by a processor of the second computing system, an algorithm configured to calculate a behavior prediction score
corresponding to the behavior prediction request using disguised consumer characteristic values, wherein the generated algorithm
is based on at least the transaction data included in each received transaction data entry and the disguised set of consumer
characteristics mapped to the second encrypted account identifier included in the respective transaction data entry, wherein

the second computing system does not receive any unencrypted account identifiers, any undisguised consumer characteristics,
or any personally identifiable information.

US Pat. No. 9,094,448

METHODS AND SYSTEMS FOR EVALUATING SOFTWARE FOR KNOWN VULNERABILITIES

MasterCard International ...

1. A vulnerability identification and resolution (VIR) computer device for identifying security vulnerabilities in a computer
system, said VIR computer device comprising:
a memory device for storing data including data representing computing assets installed in the computer system; and
a processor in communication with said memory device, said VIR computer device programmed to:
execute a query on at least one database storing security vulnerabilities, the query searching for security vulnerability
data associated with a selected computing asset from a plurality of computing assets of an organization;

receive said security vulnerability data at the VIR computer device in response to the query, wherein the security vulnerability
data includes a security vulnerability identifier that identifies a security vulnerability and a proposed resolution identifier
that identifies a proposed resolution;

provide proposed resolution data associated with the proposed resolution, the proposed resolution configured to resolve the
security vulnerability when applied to the selected computing asset; and

electronically display an impact score, wherein the impact score indicates a qualitative determination of an impact of the
security vulnerability associated with the selected computing asset.

US Pat. No. 10,091,007

SYSTEMS AND METHODS FOR DEVICE TO DEVICE AUTHENTICATION

MASTERCARD INTERNATIONAL ...

1. A method for authenticating a user device by an authentication computing device, the method comprising:generating, using the authentication computing device, a locked data file for use in authenticating a user device enrolled in an authentication service, the locked data file configured to process a challenge and generate a challenge response;
transmitting the locked data file from the authentication computing device to a first user device as part of the first user device enrolling in the authentication service, causing the locked data file to be installed on the first user device;
receiving, at the authentication computing device, an authentication request for a transaction initiated using the first user device;
generating, using the authentication computing device, the challenge based on the authentication request;
transmitting the challenge directly from the authentication computing device to the first user device, wherein the challenge requests a current activated lifetime of the locked data file, and wherein the current activated lifetime is a time difference between a first time when the first user device receives the locked data file and a second time when the first user device receives the challenge; and
receiving, at the authentication computing device, the challenge response directly from the first user device to authenticate the first user device, wherein the challenge response includes the current activated lifetime.

US Pat. No. 10,031,766

SYSTEMS AND METHODS FOR PROCESSING EXTENSIBLE MARKUP LANGUAGE DATA DURING RUNTIME

MASTERCARD INTERNATIONAL ...

1. A method comprising:generating JAVA™ objects from one or more initial Extensible Mark-up Language (XML) schema definition (XSD) files;
identifying namespaces within the JAVA™ objects;
grouping the JAVA™ objects by namespaces, wherein the JAVA™ objects included in each group have the same namespace, and wherein the namespaces included in each group are different;
creating each new XSD file for each group of JAVA™ objects, wherein each new XSD file includes references to the initial XSD files that include the same namespace;
generating each new JAVA™ class from each new XSD file;
compiling each new JAVA™ class into bytecode;
storing the bytecode into a memory;
receiving, from the memory, the bytecode, wherein the bytecode is loaded into a ClassLoader, wherein the ClassLoader is available to a JAVA™ Virtual Machine (JVM) during runtime; and
dynamically loading one or more XSD files into the JVM during runtime.

US Pat. No. 9,864,944

DISPLAY CARD WITH USER INTERFACE

MasterCard International ...

1. A card (301) for providing one or more services, the card (301) comprising:
an external interface (302, 303) for communication with a terminal external from the card (301);

a Chip (401) comprising one or more servers for storing one or more applications, wherein the Chip (401) is arranged to communicate with the external interface (302, 303);

a user interface (304, 305, 306) for interacting with a user of the card (301);

a re-configurable micro-terminal processor (402) for controlling the provision of one or more services, wherein the micro-terminal processor (402) is arranged to receive data from and transmit data to the user interface (304, 305, 306); and

the Chip (401) and micro-terminal processor (402) are arranged to communicate with each other via an internal interface (403) of the Chip (401) and the Chip (401) is configured to send information to the micro-terminal processor (402) via the internal interface (403) in response to receiving one or more commands from the micro-terminal processor (402).

US Pat. No. 9,852,425

DUAL/MULTIPLE PIN PAYMENT ACCOUNT

MASTERCARD INTERNATIONAL ...

1. A method of authorising a transaction process, said method comprising the steps of:
establishing a communication between a payment device and a payment processing network;
initialising a transaction at the payment device, wherein the transaction is initialised by a first user associated with a
first User Identification Metric (UIM);

applying a first set of rules;
requesting input of the first UIM based upon the application of the first set of rules to an amount of the initialised transaction;
applying a second set of rules;
requesting input of a second UIM associated with a second user based upon the application of the second set of rules to the
amount of the initialised transaction;

verifying the first UIM;
verifying the second UIM; and
proceeding with the transaction process if both UIMs are verified.

US Pat. No. 9,842,359

METHOD AND SYSTEM FOR PROVIDING MERCHANT REFERRALS TO CONSUMERS

MASTERCARD INTERNATIONAL ...

1. A method for processing a consumer referral, comprising:
storing, in a location database, a plurality of location data entries, wherein each location data entry includes data related
to a geographic location including at least a location identifier and location data;

storing, in a referral database, a plurality of referral data entries, wherein each referral data entry includes data related
to a referral including at least a referral identifier and one or more specific location identifiers;

receiving, by a receiving device, a referral request, wherein the referral request includes at least a decoded specific referral
identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral
identifier;

identifying, in the referral database, a specific referral data entry where the included referral identifier corresponds to
the specific referral identifier;

identifying, in the location database, a specific location data entry where the included location identifier corresponds to
one of the one or more specific location identifiers included in the identified specific referral data entry; and

transmitting, by a transmitting device, the location data included in the identified specific location data entry in response
to the received referral request.

US Pat. No. 9,836,780

METHOD AND SYSTEM FOR CONSUMER TRANSACTIONS USING VOICE OR HUMAN BASED GESTURE ACTIONS

MASTERCARD INTERNATIONAL ...

1. A method for initiating a consumer transaction, comprising:
receiving, in a processing device and from an external device, video data, wherein the video data comprises at least first
video data to be displayed;

transmitting the first video data from the processing device to a display device;
analyzing, by the processing device, the first video data for event data, the first event data originating from a pay code
server;

receiving, in the processing device, first event data, wherein the first event data is associated with (i) at least one consumer
product or service and (ii) the first video data;

transmitting, from the processing device and to the display device, a machine-readable pay code encoded with pay code data
based upon the received first event data, wherein the machine-readable pay code is displayed on the display device and the
pay code data indicates the at least one product or service is available for purchase;

responsive to a consumer device reading, via an optical device, the machine-readable pay code displayed on the display device
to decode the encoded pay code data, initiating, by the processing device, the consumer transaction by transmitting, to the
display device, an interactive notification associated with purchase information corresponding to the at least one product
or service available for purchase, wherein the interactive notification is displayed on the display device;

reading, in a contactless manner and by a human interaction device, human based gesture actions responsive to the displayed
interactive notification;

analyzing, by the processing device, the human based gesture actions;
determining, by the processing device, that the human based gesture actions conform to a predetermined second set of interaction
requirements;

receiving, in the processing device, indications of payer selected transaction options based upon the human based gesture
actions;

transmitting, electronically from the processing device, the indications to the pay code server; and
receiving, in the processing device, an indication that electronic financial transaction processing of payment from a payer
to payee has been initiated.

US Pat. No. 9,826,341

DEVICE CONTENT PROVISIONING SYSTEM

MasterCard International ...

1. A method of provisioning a portable electronic device with content data from a networked remotely located content provider,
the portable electronic device comprising a first short-range communications module, the method comprising the steps of:
establishing a first communication channel between a networked electronic bridging device and the portable electronic device,
the electronic bridging device comprising a second short-range communications module, and the first communication channel
being established using the first and second short-range communications modules, said electronic bridging device being a smartphone;

establishing a second communication channel between the networked electronic bridging device and the networked remotely located
content provider;

provisioning the portable electronic device with the content data by transmitting the content data from the remotely located
content provider to the portable electronic device using the first and second communication channels;

the content data including an executable application that performs the steps of:
obtaining one or more hardware specifications of the portable electronic device;
providing the one or more hardware specifications to the remotely located content provider;
receiving from the remotely located content provider subsequent content data tailored to the one or more hardware specifications
of the portable electronic device; and

the subsequent content data provisioning the portable electronic device to execute secure financial transactions using a near
field communication point-of-sale terminal.

US Pat. No. 9,824,393

METHODS AND SYSTEMS FOR MANAGING CONSUMER SAVINGS WITH CREDIT CARD TRANSACTIONS

Mastercard International ...

1. A computer-implemented method for managing consumer savings initiated from a payment card transaction for a purchase made
by a cardholder at a merchant point of sale (POS) device using a payment card associated with a payment card account, the
method using a savings management computer device in communication with an issuing bank, the savings management computer device
in communication with a memory device, said method comprising:
receiving, by the savings management computer device from a payment processing network, a transaction data message associated
with the payment card transaction initiated by the cardholder at the POS device, the transaction data message generated by
the POS device and including a transaction amount, a purchase amount having a corresponding purchase code, and a savings amount
having a corresponding savings code, the transaction amount equaling the purchase amount and the savings amount;

identifying, by the savings management computer device, the savings amount from the transaction data message generated by
the POS device, the savings amount being entered by the cardholder at the POS device;

querying the memory device, by the savings management computer device, for a savings account number associated with the cardholder
using the transaction data message;

determining, by the savings management computer device, that a savings account is not associated with the payment card account;
electronically generating, by the savings management computer device, a savings account number by one of (i) selecting an
account number from a predefined pool of account numbers and (ii) generating an account number using a predefined format;

generating an account creation request message by the savings management computer device, the account creation request message
including the generated savings account number, the account creation request message configured to cause the issuing bank
computing device to create a savings account at the issuing bank with the savings account number assigned thereto; and

transmitting the account creation request message and the savings amount to the issuing bank for creating the savings account
and recording as a savings accrual for the cardholder the savings amount within the savings account, wherein the issuing bank
is the issuer of the payment card.

US Pat. No. 9,805,415

TRANSACTION LINKED MERCHANT DATA COLLECTION

MasterCard International ...

1. A method for identifying a merchant involved in a completed payment transaction between the merchant having a transaction
acquiring device and a customer, the method being carried out by a server connectable with a personal computing device over
a network, comprising:
monitoring by the server, the transaction acquiring device of the merchant for a completed payment transaction between the
merchant and the customer;

extracting a customer identification for the customer from said completed payment transaction;
comparing said customer identification with a list of customer identifications;
determining from said comparison, whether said customer has elected, prior to the payment transaction, to provide merchant
data about the merchant;

wherein, when it is determined that the customer has elected to provide merchant data about the merchant prior to the payment
transaction:

transmitting by the server a message to a personal computing device associated with the customer, the message requesting that
the customer provide details of said merchant for said completed payment transaction;

receiving, by the server from the customer personal computing device, a response including at least one of a merchant name,
a merchant address, a merchant phone number, and a channel used to process the transaction; and

storing the response from said customer m an information dataset of a database for the merchant;
when it is determined that the customer has not elected, prior to the payment transaction, to provide merchant data about
the merchant, continuing to monitor, by the server, the transaction acquiring device of the merchant for a next transaction.

US Pat. No. 9,727,855

SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD

Mastercard International ...

23. A non-transitory computer-readable storage media having computer-executable instructions embodied thereon for causing
communication from a portable device to a merchant point-of-sale (POS) device, the POS device including a magnetic reader
head proximate a transaction card swipe path, wherein when executed by a processor, the computer-executable instructions cause
the portable device to:
receive in a memory of the portable device a first data file representing data stored on a magnetic stripe of a transaction
card;

convert the first data file into changes in a magnetic field; and
transmit the previously presented from said transmitter to the POS device, the previously presented having sufficient strength
to be received by the magnetic reader head of the POS device while said portable device is outside of the transaction card
swipe path.

US Pat. No. 9,582,796

COMBICARD TRANSACTION METHOD AND SYSTEM HAVING AN APPLICATION PARAMETER UPDATE MECHANISM

MasterCard International ...

1. A method comprising:
receiving an authorization request at an issuer from a mobile device, to update a parameter associated with a secondary application
using a primary application on the mobile device;

sending an authorization response from the issuer, the authorization response including a script for being performed by the
primary application on the mobile device to cause an update to the parameter associated with the secondary application on
the mobile device, said parameter stored in a nonvolatile memory in said mobile device.

US Pat. No. 9,552,574

METHODS AND SYSTEMS FOR PAYMENT ACCOUNT ISSUANCE OVER A MOBILE NETWORK

MASTERCARD INTERNATIONAL ...

1. A method for issuing a temporary payment account to a customer mobile device, comprising:
receiving, by an over-the-air (“OTA”) processor from an issuer computer, a request to provision a temporary payment account
to a customer's mobile device, the request including customer data and a temporary primary account number (“temporary PAN”);

mapping, by the OTA processor, the temporary PAN to a mobile PAN;
storing, by the OTA processor, the temporary PAN in a mapping database;
generating, by the OTA processor, a software package comprising a payment application and the mobile PAN; and
transmitting, by the OTA processor using the customer data, the software package over-the-air (OTA) to the customer's mobile
device, the software package for personalizing the customer's mobile device with the mobile PAN enabling use of the customer's
mobile device to utilize the temporary PAN to complete payment transactions shortly after the OTA processor receives the request
and until the issuer computer provisions an actual PAN to the customer's mobile device.

US Pat. No. 9,542,673

METHODS AND SYSTEMS FOR PREPAID MOBILE PAYMENT STAGING ACCOUNTS

MASTERCARD INTERNATIONAL ...

1. A method for provisioning a prepaid mobile payment staging account comprising:
receiving, by a staging account provider computer from a provisioning service computer, a request to provision a prepaid mobile
payment staging account in a prepaid financial institution for a cardholder's mobile device, wherein the request includes
a funding account primary account number (PAN) of the cardholder's financial account held by a primary issuer and a mobile
device identifier;

determining, by the staging account provider computer based on the funding account PAN, that a user interface agreement exists
comprising user interface and digital wallet definitions;

generating, by the staging account provider computer, a mobile staging account PAN associated with the prepaid financial institution
and associating the mobile staging account PAN with the funding account PAN of the primary issuer;

transmitting, by the staging account provider computer to the provisioning service computer, a personalization request to
personalize a mobile staging account payment application for the cardholder's mobile device, wherein the personalization request
includes the user interface and digital wallet definitions, the mobile staging account PAN, the mobile device identifier,
and account description data;

receiving, by the staging account provider computer, a status confirmation message from the provisioning service computer
indicating that the mobile staging account payment application has been personalized and loaded onto the cardholder's mobile
device; and

transmitting, by the staging account provider computer to the primary issuer of the cardholder's financial account, a mobile
staging account initialization message that includes the mobile staging account PAN confirming provisioning of the prepaid
mobile payment staging account to the cardholder's mobile device.

US Pat. No. 9,530,151

METHOD AND SYSTEM FOR RECOMMENDING A MERCHANT BASED ON TRANSACTION DATA

MasterCard International ...

1. A computer-implemented method for recommending a merchant based on transaction data, said method implemented using an analyzer
computing device in communication with one or more memory devices, said method comprising:
defining a plurality of stages of life, wherein each stage of life of the plurality of stages of life is associated with a
time period in a lifetime of a cardholder;

receiving first transaction data for the cardholder, wherein the first transaction data is associated with one or more purchases
made by the cardholder through a payment network:

determining a stage of life of the cardholder based on determining an interest of the cardholder, wherein the interest represents
goods purchased by the cardholder including the one or more purchases;

generating, by the analyzer computing device, a profile associated with the cardholder, based at least in part on associating
the first transaction data with the stage of life for the cardholder, wherein the profile indicates the stage of life of the
cardholder;

retrieving, by the analyzer computing device, from the one or more memory devices, second transaction data associated with
a plurality of sales associated with a first merchant, wherein the transactions were processed through the payment network;

determining, by the analyzer computing device, a transaction volume associated with the first merchant;
generating a ranking placing the first merchant higher than at least one other merchant in a plurality of merchants, based
on a determination that the transaction volume is higher than at least one other transaction volume associated with a plurality
of merchants, indicating that the first merchant is more highly regarded than the plurality of merchants; and

generating, by the analyzer computing device, a recommendation for the cardholder to purchase goods from the first merchant,
based at least in part on the ranking and a determination that the first merchant sells one or more goods corresponding to
the interest associated with the stage of life of the cardholder.

US Pat. No. 9,495,699

METHOD AND SYSTEM FOR PURCHASING OF GOODS AND SERVICES VIA IMAGE RECOGNITION

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for facilitating an image-based transaction, comprising:
storing, in a database device of a processing server, at least a plurality of transaction identifiers;
capturing, by a first input device of the processing server, a picture of a product to be sold, said processing server being
configured to communicate over a communication network with at least a financial payment network that is configured to process
payment transactions between computing devices of consumers and merchants;

electronically receiving, by a second input device of the processing server, product data corresponding to the product to
be sold as input by a user of the processing server;

identifying, from said database device, by a processing device of the processing server, a transaction identifier, for the
captured picture of the product to be sold;

before attempted transactions associated with the captured picture occur, electronically transmitting, by a transmitting device
of the processing server, over the communication network, to the financial payment network, the identified transaction identifier
and the product data;

subsequent to transmitting the identified transaction identifier and the product data to the financial payment network, electronically
encoding, by the processing device of the processing server, the captured picture of the product to be sold with at least
the identified transaction identifier;

adding, by the processing device of the processing server, to the encoded captured picture of the product to be sold, an indication
of availability of the product to be sold; and

electronically transmitting, by the transmitting device of the processing server, to a third party, at least (a) the received
product data and (b) the captured picture (i) encoded with the identified transaction identifier and (ii) including the indication
of availability,

wherein said third party includes said captured picture (i) encoded with the identified transaction identifier and (ii) including
the indication of availability on a web page enabling a user to interact with the encoded captured picture of the product
to be sold, and

wherein upon user interaction of the encoded captured picture of the product to be sold, said third party transmits said transaction
identifier of said encoded captured picture to the payment network to initiate said electronic payment transaction without
requiring user-navigation to a separate merchant webpage to locate said product to be sold on said separate merchant website.

US Pat. No. 9,477,956

METHOD TO ENABLE CONSUMERS TO MAKE PURCHASES AT E-COMMERCE WEBSITES USING THEIR MOBILE NUMBER

Mastercard International ...

1. A method comprising:
receiving, by a computer from an e-Commerce website, a payment authorization request that comprises payment data and a Mobile
Station International Subscriber Directory Number (MSISDN) associated with a mobile device;

verifying the MSISDN is valid by comparing MSISDN to a subscriber database;
generating a message to verify a payment transaction at the e-Commerce website, after the MSISDN is validated;
receiving the verification message at the mobile device;
verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN
in response to the verification message;

generating an authorization message indicating the payment transaction is one of approved or declined; and
transmitting the authorization message to a merchant associated with the e-Commerce website.

US Pat. No. 10,089,091

SYSTEMS AND METHODS FOR USE IN DEPLOYING APPLICATIONS IN DIFFERENT REGIONS

MASTERCARD INTERNATIONAL ...

1. A system for use in deploying payment network applications to different regions, the system comprising:a data structure including multiple service stacks, each service stack representative of an application and incorporating at least one user interface component for the application and at least one application programming interface (API); and
a deployment device in communication with the data structure and configured, by executable instructions, to:
receive a selection of one of the multiple service stacks;
identify a region, based on a location of the deployment device, of implementation for the application;
adapt the selected service stack to the identified region, in response to the selection of the service stack, and adapt the at least one user interface component for the application to the identified region; and
deploy the application, based on the adapted service stack, to the region, whereby the application is suitable for use by a consumer in said region.

US Pat. No. 10,089,665

SYSTEMS AND METHODS FOR EVALUATING A CREDIBILITY OF A WEBSITE IN A REMOTE FINANCIAL TRANSACTION

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method comprising:receiving, by a processor, from a browser extension of a web browser in a client device, usage data associated with the client device;
based on the usage data, identifying, by the processor, a website currently being presented on the web browser and a merchant associated with the web site;
retrieving, by the processor, from one or more sources, customer experience-related data associated with the website and the merchant associated with the web site;
aggregating, by the processor, the retrieved customer experience-related data;
based on the aggregated customer experience-related data, generating, at a score generator, a first score associated with the website and the merchant associated with the web site; and
presenting, by the browser extension, the generated first score in a secondary window on the client device, the generated first score being indicative of a projected customer experience relating to the website and the merchant associated with the website.

US Pat. No. 9,953,315

METHOD AND SYSTEM FOR GENERATING AN ADVANCED STORAGE KEY IN A MOBILE DEVICE WITHOUT SECURE ELEMENTS

MASTERCARD INTERNATIONAL ...

1. A method for building an advanced storage key, comprising:storing, by a processing device, in a memory of a mobile communication device, at least:
device information associated with the mobile communication device,
program code associated with a first application program, wherein the program code includes at least an instance identifier, where the instance identifier is unique to an instance of the first application program, and
program code associated with a second application program, wherein the program code includes a first key;
generating, by the processing device, a device fingerprint associated with the mobile communication device based on the stored device information via execution of the program code associated with the first application program;
generating, by the processing device, a random value via execution of the program code associated with the first application program;
building, by the processing device, a diversifier value based on at least the generated device fingerprint, the generated random value, and the instance identifier included in the program code associated with the first application program;
storing, by the processing device, protected data in a local database of the mobile communication device;
encrypting, by the processing device, the protected data stored in the local database using the storage key; and
decrypting, by the processing device, the built diversifier value using the first key stored in the program code associated with the second application program via execution of the program code associated with the second application program to obtain a storage key.

US Pat. No. 9,947,006

METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE

MasterCard International ...

1. A cardholder verification method pre-entry process, comprising:receiving, by a transceiver operably connected to a payment circuit of a payment enabled mobile device, selection by a user of a pre-entry function;
prompting, by the payment circuit of the payment enabled mobile device, the user to perform a cardholder verification method (CVM);
receiving, by the payment circuit of the payment enabled mobile device, user input associated with the CVM;
verifying, by the payment circuit of the payment enabled mobile device, the CVM;
setting, by the payment circuit of the payment enabled mobile device, a CVM-verified status;
receiving, by the transceiver of the payment enabled mobile device when tapped on a proximity reader component of a point of sale (POS) terminal, transaction information associated with a purchase transaction;
determining, by the payment circuit of the payment enabled mobile device based on the transaction information, that the purchase transaction is a qualified transaction and that the CVM-verified status is set; and
transmitting, by the transceiver under control of the payment circuit of the payment enabled mobile device to the POS terminal, a payment card account number to consummate the purchase transaction.

US Pat. No. 9,875,385

METHOD AND SYSTEM FOR SHARING OF PRODUCT RECEIPTS

MASTERCARD INTERNATIONAL ...

1. A method for transmitting line item data from an electronic receipt, comprising:
storing, in an electronic receipt database of a processing server, a plurality of receipt data entries affiliated with a consumer
account based on a consumer identifier, wherein each receipt data entry includes, a merchant identifier, and line item data
related to one or more products;

storing, in a merchant database of a processing server, a plurality of merchant identifiers, wherein each merchant identifier
is affiliated with one or more product data files for products sold by the merchant, each product data file including electronic
records representing at least a product description, a product identifier, product options and product price information or
hyperlinks to sources of this information;

receiving, by a receiving device of the processing server, a transaction message for a payment transaction using the consumer
identifier via a payment network, wherein the transaction message is formatted based on one or more standards and includes
a plurality of data elements including at least a first data element configured to store the merchant identifier and one or
more additional data elements configured to store the line item data related to the one or more products;

executing, by the processing device of the processing server, a query on the electronic receipt database from a first consumer
device to identify one or more products purchased in the payment transaction;

determining, by the processing device of the processing server, if the merchant identifier corresponding to the identified
one or more products is one of a plurality of merchant identifiers stored in the merchant database, wherein the merchant identifier
indicates a merchant from a plurality of merchants,

when the merchant identifier is not one of the plurality of merchant identifiers stored in the merchant database, requesting
one or more product data files for products sold by the merchant, each product data file including electronic records representing
at least a product description, a product identifier, product options and product price information or hyperlinks to sources
of this information,

when the merchant identifier corresponding to the identified one or more products is one of the plurality of merchant identifiers
stored in the electronic receipt database, executing, by the processing device of the processing server, a query on the merchant
identifier to identify one or more product data files for products sold by the merchant corresponding to the identified one
or more products;

generating, by the processing device of the processing server, an electronic receipt displaying a purchase information for
the one or more products;

linking, by the processing device of the processing server, the purchase information on the electronic receipt to the product
data file for the one or more products appearing thereon either received from the merchant or identified in the electronic
receipt database; and

transmitting, to a second consumer device, by the transmitting device of the processing server, the electronic receipt.

US Pat. No. 9,860,250

SYSTEMS AND METHODS FOR USE IN INDEXING APPLICATIONS BASED ON SECURITY STANDARDS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for use in assigning a score, indicative of security maturity, to a target application, the
method comprising:
receiving an identification of a target application, the target application associated with access to a payment network;
soliciting, by a computing device, responses to multiple inquiries regarding security aspects of the target application, each
of the multiple inquiries related to a different one of the security aspects, and the security aspects defined by at least
one standard for data security;

generating a score for each of the security aspects of the target application addressed in the multiple inquiries, based on
at least some of said responses to the inquiries, and assigning, by the computing device, a total score to the target application
based on the score generated for each of the security aspects of the target application; and

publishing at least the total score as associated with the target application to a user, whereby at least the total score
provides an indication of possible vulnerabilities associated with the target application and whether or not resources should
be allocated to the target application to provide enhanced security in association therewith.

US Pat. No. 9,838,520

MAGNETIC STRIPE ATTACHMENT AND APPLICATION FOR MOBILE ELECTRONIC DEVICES

MASTERCARD INTERNATIONAL ...

1. A method comprising:
opening an application on a mobile phone to display one or more payment card options on the mobile phone;
selecting payment card data from a database within the mobile phone including data relating to one or more payment cards,
the selection of the payment card data causing the selected payment card data to be programmed onto a magnetic stripe located
on a tab;

moving the tab from a storage position on the mobile phone to a use position;
swiping the tab through a magnetic card reader, causing the magnetic stripe to be read; and
returning the tab to the storage position on the mobile phone, the returning causing a clearing of the payment card data programmed
onto the magnetic stripe,

wherein the step of clearing the payment card data programmed onto the magnetic stripe is caused by a combination of returning
the tab to the storage position and one of an exit from the application on the mobile phone and determining a time out.

US Pat. No. 9,824,342

APPARATUS AND METHOD FOR BILL PRESENTMENT AND PAYMENT

MASTERCARD INTERNATIONAL ...

1. A method comprising the steps of:
providing, under control of an operator of a payment processing network, a bill presentment service wherein bills received
from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming
entity service providers, by executing, on at least one hardware processor, a bill presentment platform module embodied on
at least one non-transitory computer-readable storage medium;

storing in a database, accessible to said operator of said payment processing network:
registration and preference data pertaining to at least one of said plurality of consuming entities; and
sign-on authentication credentials, including a unique identifier and password, pertaining to at least one of said plurality
of consuming entities;

obtaining, by said operator of said payment processing network, a given one of said bills from a given one of said billing
entities, said given one of said bills having a single biller account number associated therewith, by executing, on said at
least one hardware processor, a billing entity formatter module embodied on said at least one non-transitory computer-readable
storage medium;

routing said given one of said bills having said single biller account number associated therewith from said given one of
said billing entities to multiple ones of said consuming entity service providers for presentation to said at least one of
said consuming entities via said multiple ones of said consuming entity service providers, by executing, on said at least
one hardware processor, a consuming entity formatter module embodied on said at least one non-transitory computer-readable
storage medium; and

allowing said at least one of said consuming entities to access said bill presentment service via said first one of said consuming
entity service providers or via said second one of said consuming entity service providers, using said stored registration
and preference data and said sign-on authentication credentials, by having said at least one of said consuming entities provide
said unique identifier and password for authentication to said first one of said consuming entity service providers or for
authentication to said second one of said consuming entity service providers, as the case may be, using a security assertion
markup language server operated by or on behalf of said payment processing network.

US Pat. No. 9,804,906

SYSTEMS AND METHODS FOR FILESYSTEM-BASED COMPUTER APPLICATION COMMUNICATION

Mastercard International ...

6. A system for filesystem-based communication of computer applications, the system comprising:
a first computer operating a first computer application;
a second computer operating a second computer application;
a filesystem communications interface (FCI) computer device communicatively coupled to the first computer and the second computer,
the FCI computer device configured to:

mount a first file system on the first computer and a second file system on the second computer, wherein the FCI computer
device is further configured to install a first communications interface driver on the first computer and a second communications
interface driver on the second computer;

receive, using the first communications interface driver, a first data transfer command that includes a first data unit and
a target identifier from the first computer;

identify that the first data transfer command corresponds to a first filesystem-based data transfer protocol;
generate a second data transfer command by converting the first data transfer command from the first filesystem-based data
transfer protocol into a first network-based data transfer protocol;

receive the first data unit from the first computer, using the second data transfer command;
generate a third data transfer command, wherein the FCI computer device is further configured to convert the second data transfer
command into a second network-based data transfer protocol, the second network-based data transfer protocol being based on
the target identifier;

transfer the first data unit from the FCI computer device to the second computer, using the third data transfer command;
convert, using the second communications interface driver, the third data transfer command into a second filesystem-based
data transfer protocol; and

transmit, using the second communications interface driver, the first data unit to the second computer application by the
third data transfer command, and

wherein the first network-based data protocol and the second network-based data protocol are configured to deliver the first
data unit as an ordered byte stream.

US Pat. No. 9,800,580

SYSTEMS AND METHODS FOR AUTHENTICATING AN ONLINE USER USING A SECURE AUTHORIZATION SERVER

Mastercard International ...

1. A secure authorization server for verifying an identity of an end-user, said secure authorization server programmed to:
receive, from a computing client, an authentication request at an authorization component, wherein the authentication request
includes a secure authentication request identifier and a first redirection uniform resource indicator (URI);

validate the authentication request at the authorization component by at least verifying that the secure authentication request
identifier is valid;

generate an authorization code, wherein the authorization code includes at least the secure authentication request identifier;
transmit an authentication response from the authorization component to the computing client, wherein the authentication response
includes the authorization code, wherein the authorization code represents a validation of the authentication request;

receive, from the computing client, a token request at a token component, wherein the token request includes the authorization
code and a second redirection uniform resource indicator (URI);

validate the token request, at the token component, by matching the first redirection URI and the second redirection URI;
and

transmit a token response from the token component to the computing client, wherein the token response includes an identification
token associated with an authenticated session, an access token, and a lifetime in seconds of the access token.

US Pat. No. 9,792,035

SYSTEM AND METHOD FOR PAYMENT USING A MOBILE DEVICE

MASTERCARD INTERNATIONAL ...

1. A wireless communication device adapted to conduct a financial transaction over a near-field communication network, comprising:
a non-transitory computer readable storage medium;
a wireless near-field communication transceiver;
an angle sensor having as an output an angular position of the wireless device;
one or more processors configured to interact with the wireless transceiver, the angle sensor, and the storage medium;
software modules stored on the storage medium and executable by the processor, wherein the software modules include:
a payment details module comprising code executing in the one or more processors and configuring the one or more processors
to receive two or more sets of payment information and associate the two or more sets of payment information with two or more
angular positions of the wireless device; and

a payment module comprising code executing in the one or more processors and configuring the one or more processors to, while
the wireless device remains in a locked state:

detect a manual user action, wherein detecting the manual user action comprises detecting, with the processor, a user press
of a push-button,

in response to the manual user action, detect a particular angular position of the wireless device provided as the output
of the angle sensor,

automatically select a particular set of payment information among the two or more sets of payment information as a function
of the particular angular position of the wireless device at the time of the manual user action detection, and

transmit the particular set of payment information using the wireless transceiver, wherein the payment module configures the
processor to perform each of the above detecting, selecting and transmitting functions while the device remains in the locked
state.

US Pat. No. 9,792,607

SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION

MASTERCARD INTERNATIONAL ...

1. A method of synchronising a personal identification number (PIN) value stored in a mobile computing device, with a PIN
value stored on a remote server, the method comprising:
receiving at the remote server from the mobile computing device a request to record a PIN value, the request comprising the
PIN value;

recovering the PIN value from the received request and storing the PIN value at the remote server;
generating and transmitting an instruction set arranged to record the PIN value in a secure hardware element comprised within
the mobile computing device, when the instruction set is executed on the mobile computing device wherein the mobile computing
device and the remote server share a first symmetrical encryption key, the first encryption key being stored on the secure
hardware element and at the remote server;

executing the instruction set on the mobile computing device in order to record the PIN value on the secure hardware element;
and

generating at the secure hardware element, a second encryption key using the first encryption key and encrypting the request
with the second encryption key, wherein the recovering step comprises generating the second encryption key at the remote server
using the shared first symmetrical encryption key and using the generated second encryption key to recover the PIN value from
the received request.

US Pat. No. 9,785,933

SYSTEM AND METHOD FOR INSTALLMENT PAYMENT TRANSACTIONS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for managing installment payment transactions associated with a credit card account of a
customer, comprising:
storing, in a storage device of a server of an installment service, predetermined parameters received from an issuing bank
of the credit card account;

receiving, by a processor of the server, from at least one of an Automated Teller Machine (ATM) or a point-of-sale (POS) device
of a merchant, credit card transaction information, including a transaction amount to be applied against a credit card account
of a customer;

calculating, on behalf of the issuing bank, by the processor the server, an installment payment amount for the credit card
transaction on a basis of said predetermined parameters received from the issuing bank and stored in the storage device and
the credit card transaction information received from the ATM or the POS device;

generating, by the server, a message for transmission to a mobile device of the customer, wherein the message is generated
based on the installment payment amount calculated by the server,

formatting, by the server, the generated message according to a predetermined messaging format; and
with requiring neither merchant involvement nor customer initiation, transmitting, by the processor of the server, the generated
and formatted message to the mobile device of the customer, wherein transmitted message (i) includes an installment payment
offer based on the calculated installment payment amount and (ii) is displayed on said mobile device enabling customer selection
of an installment payment offer at a location other than the merchant.

US Pat. No. 9,727,865

AUTOMATIC DATA TRANSFER

Mastercard International ...

1. A computer-implemented method performed at least in part by a payment transfer system communicatively coupled between an
acquirer system and an issuer system, the method comprising:
the payment transfer system receiving, from the acquirer system, a request for a fare to be paid to a transit agency client
of the acquirer system from a financial account, maintained by the issuer system, responsive to the transit agency client
providing access to a transport system by a user of the financial account maintained by the issuer system;

the payment transfer system transmitting, to the issuer system, the request for the fare to be paid from the financial account;
the payment transfer system receiving, from the issuer system, a response to the request indicating either that the fare was
paid or that the fare could not be paid from the financial account;

after the response indicates that the fare could not be paid from the financial account, monitoring the financial account
for an activity suggesting that the fare can be paid from the financial account;

responsive to the activity suggesting that the fare can be paid from the financial account, the payment transfer system automatically
retransmitting, to the issuer system, the request for the fare to be paid from the financial account;

wherein the request for the fare to be paid from the financial account is retransmitted after the response to the request
indicating that the fare could not be paid from the financial account;

wherein the transit agency client provides the access to the user responsive to presentation of a bank card by the user to
the transit agency client, the bank card being associated with the financial account maintained by the issuer system rather
than with the transit agency client; and

wherein the transit agency client provides the access to the user before receipt of the response.

US Pat. No. 9,754,294

FACILITATING CHARITABLE DONATIONS ON A BANKING SYSTEM

MasterCard International ...

1. A method for distributing charitable donation amounts for a plurality of contributors comprising:
receiving, by a broker computer processor of a broker computer system from a plurality of contributor financial institution
(FI) computers, contributor information of a plurality of contributors, approved recipient bank account data of approved recipients
selected by the plurality of contributors, and donation data, wherein the donation data comprises contributor bank account
data of the plurality of contributors and associated donation amounts;

aggregating, by the broker computer processor utilizing a batch process, the donation data into a plurality of recipient contribution
amounts based on the approved recipient bank account data with a frequency determined by an entity operating the broker computer
system;

swapping, by the broker computer processor for the plurality of recipient contribution amounts, donation amounts of a first
currency type from first contributors with donation amounts of a second currency type from second contributors when the approved
recipients of the first contributors have an associated currency code associated with the second currency type and the approved
recipients of the second contributors have a currency code associated with the first currency type; and

distributing, by the broker computer processor, each of the recipient contribution amounts to each of a plurality of recipient
FI computers associated with the approved recipient bank account data.

US Pat. No. 9,693,202

SYSTEMS AND METHODS FOR DETERMINING DEVICE LOCATION USING WIRELESS DATA AND OTHER GEOGRAPHICAL LOCATION DATA

MasterCard International ...

1. A computer-implemented method for determining device location of a user device within a venue, the method implemented using
a wireless positioning system including a processor and a memory, the method comprising:
generating a plurality of signal sample sets, wherein a signal sample set of the plurality of signal sample sets includes
a sample location within the venue and one or more wireless signal strengths of associated wireless access points positioned
at the venue, wherein the signal sample set of the plurality of signal sample sets is generated by:

receiving notification of a payment card transaction of a cardholder conducted at a point-of-sale (POS) device at the venue;
identifying a cardholder device associated with the cardholder by matching a personal account number (PAN) of a payment card
of the cardholder to a device ID of the cardholder device;

requesting, from the cardholder device, a wireless signal strength sample set representing one or more wireless signal strengths
of associated wireless access points positioned within the venue captured at the cardholder device; and

associating the signal strength sample set with a sample location of the POS device in the venue;
receiving one or more subject wireless signal strength samples of the wireless access points captured by the user device at
an unidentified location within the venue;

determining, by the processor, a subject location of the user device within the venue based at least in part on the plurality
of signal sample sets and the one or more subject wireless signal strength samples; and

providing the subject location of the user device within the venue.

US Pat. No. 9,639,573

SYSTEMS AND METHODS FOR QUERY QUEUE OPTIMIZATION

MasterCard International ...

1. A computer-implemented method for optimizing a queue of queries for database efficiency, the method implemented by a controller
computing device coupled to a memory device, the method comprising:
receiving a plurality of database queries from the queue of queries, at the controller computing device, from at least one
host;

evaluating the plurality of database queries to determine a resource impact associated with each database query of the plurality
of database queries, wherein the resource impact is determined based on a schedule impact and a human resource impact associated
with the each database query of the plurality of database queries;

prioritizing the plurality of database queries based upon a set of prioritization factors and the resource impact associated
with the each database query of the plurality of database queries to optimize the plurality of database queries for greater
efficiency, wherein the set of prioritization factors includes (i) a ranking of an analyst generating the each database query
of the plurality of database queries, (ii) a data source quality, and (iii) a financial impact for receiving a response to
the each database query of the plurality of database queries, wherein the data source quality represents a relative quality
of data in a data source associated with the each database query, and wherein a higher priority factor is assigned to the
each database query that has a corresponding response having a greatest financial impact;

submitting the prioritized plurality of database queries to a database system for execution; and
executing, with the database system, the prioritized plurality of database queries in an order of priority produced by the
prioritizing of the plurality of database queries.

US Pat. No. 9,639,835

METHOD TO ENABLE CONSUMERS TO MAKE PURCHASES AT E-COMMERCE WEBSITES USING THEIR MOBILE NUMBER

MasterCard International ...

1. A method comprising:
receiving a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory
Number (MSISDN) associated with a mobile device;

verifying the MSISDN is valid by comparing MSISDN to a subscriber database;
generating a message to verify a payment transaction, after the MSISDN is validated;
receiving the verification message at the mobile device;
verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN
in response to the verification message;

generating an authorization message indicating the payment transaction is one of approved or declined; and
transmitting the authorization message.

US Pat. No. 9,674,200

IDENTITY FEDERATION AND TOKEN TRANSLATION MODULE FOR USE WITH A WEB APPLICATION

MASTERCARD INTERNATIONAL ...

1. A system comprising:
a first hardware server for hosting a web application or an internet information service (IIS); and
wherein the first hardware server includes computer-executable instructions defining an identity federation and security token
translation module for managing and facilitating a creation of a security principal object for a user requesting access to
the web application;

wherein the identity federation and security token translation module includes:
an access thread for directly requesting and obtaining authentication and authorization tokens from at least one security
token service (STS) based on a request for access from a user of the web application;

a new user security token request thread for requesting and receiving a security token from the STS;
a secure sockets layer (SSL) certificate thread for pulling a SSL certificate from the web application and sending the SSL
certificate to the STS;

a validation thread for validating the received security token from the STS;
a user profile call thread for calling another service and receiving user profile and fine grain access (FGA) information
corresponding to the validated received security token;

a builder thread for building a custom security principal object from the received user profile and FGA information;
an insertion thread for inserting the custom security principal object in the web application as an FGA dataset;
a data cache for storing the custom security principal object in a non-transitory computer readable media, wherein the data
cache is located on the first server; and

a user cache search thread for determining if the data cache includes a custom security principal object for the user requesting
access to the web application; and

wherein the identity federation and security token translation module is configured to be changed without necessarily making
changes to the web application or the IIS.

US Pat. No. 9,672,515

METHOD AND SYSTEM FOR SECURE PAYMENTS OVER A COMPUTER NETWORK

MASTERCARD INTERNATIONAL ...

1. A method of conducting transactions by a purchaser over a communications network, comprising:
(a) assigning to said purchaser a first payment account number having a length and a status that changes over time;
(b) providing a pseudo account number distinct from said first payment account number, associated with said first payment
account number, and having the same length as said first payment account number, wherein the providing is based upon said
first payment account number and a translation key, wherein the providing said pseudo account number further comprises

selecting six decimal digits from said first payment account number,
expanding each of said six decimal digits into a four-bit binary code to result in a 24-bit string,
assigning a leftmost portion of a 64-bit field to said 24-bit string,
assigning a rightmost three-bit field of said pseudo account number to binary ‘001,
assigning a remaining portion of said 64-bit field between said leftmost portion and said rightmost portion to binary zeros,
comparing said 64-bit field to said translation key with a logical operation,
encrypting, using an encryption algorithm, a result of said comparing,
converting said result into binary-coded decimal digits, and concatenating said binary-coded decimal digits;
(c) processing, using a processor, one or more authorization requests corresponding to one or more transactions, each of the
one or more transactions conducted using said pseudo account number, the processing of each of the one or more authorization
requests comprising:

(i) receiving a first authorization request of the one or more authorization requests for payment of a corresponding first
transaction, said first authorization request including: (I) said pseudo account number and not said first payment account
number, and (II) a cryptographic code generated based on a secret key associated with said first payment account number and
transaction-specific data;

(ii) identifying said purchaser's first payment account number in response to said first authorization request;
(iii) verifying the authenticity of said cryptographic code;
(iv) responding to said first authorization request based upon said verifying and said status of said first payment account
number at the time of said corresponding first transaction; and

(v) repeating steps (i)-(iv) for each remaining authentication request of the one or more authentication requests.

US Pat. No. 9,667,474

SYSTEMS AND METHODS FOR BROADBAND BACKUP

MasterCard International ...

1. A network backup system comprising:
a primary network configured to (i) route financial transaction authorization requests from a plurality of merchants to a
payment card interchange network and (ii) route financial transaction authorization responses from the payment card interchange
to the plurality of merchants through one or more first networks during a first mode of operation;

a backup network configured to (i) route financial transaction authorization requests from the plurality of merchants to the
payment card interchange network and (ii) route financial transaction authorization responses from the payment card interchange
to the plurality of merchants through one or more second networks during a second mode of operation; and

a first network monitor configured to determine the second mode of operation upon a failure of the one or more first networks
and to advertise addresses of a plurality of network devices, using border gateway protocol (BGP) conditional advertising,
as a backup access to direct peers of the failed network.

US Pat. No. 9,619,778

SYSTEMS AND METHODS FOR SCANNING INFRASTRUCTURE FOR INVENTORY DATA

MasterCard International ...

1. A computer-implemented method for scanning computer infrastructure within a computer network, the computer network including
a first host device having a first operating system and a second host device having a second operating system, wherein the
first host device and the second host device are coupled to a controller server, said method comprising the steps of:
transferring a first scan program to the first host device and the second host device, wherein the first scan program is configured
to gather and store inventory data on a host device, and wherein the first scan program includes one or more sub-scans and
operating system-specific operations conditioned, at runtime, to execute inventory collection functions using operating system-specific
mechanisms;

installing a first tool set on the first host device, wherein the first tool set is configured to enable the first scan program
to execute on the first operating system for gathering and storing a first set of inventory data on the first host device
and wherein the first tool set is configured to use a first set of mechanisms of the operating-system specific mechanisms
for executing the first scan program, the first set of mechanisms being specific to the first operating system;

installing a second tool set on the second host device, wherein the second tool set is configured to enable the first scan
program to execute on the second operating system for gathering and storing a first set of inventory data on the second host
device, wherein the second operating system is distinct from the first operating system and wherein the second tool set is
configured to use a second set of mechanisms of the operating-system specific mechanisms for executing the first scan program,
the second set of mechanisms specific to the second operating system;

installing a local scan controller on the first host device and the second host device, wherein the local scan controller
executes at least one of the sub-scans that is included within the first scan program, and wherein the at least one of the
sub-scans corresponds to an application type installed on at least one of the first host device and the second host device;

transmitting, by the controller server, a scan command to the local scan controller installed on the first host device and
the second host device;

causing, in response to the scan command being received by the local scan controller, the local scan controller to execute
the first scan program including the one or more sub-scans on the first host device and the second host device, wherein the
at least one of the sub-scans executes on the application corresponding to the at least one of the sub-scans; and

collecting the first set of inventory data from the first host device and the second set of inventory data from the second
host device, wherein said collecting is performed by the controller server.

US Pat. No. 9,530,130

SYSTEMS AND METHODS FOR CORRECTION OF INFORMATION IN CARD-NOT-PRESENT ACCOUNT-ON-FILE TRANSACTIONS

MasterCard International ...

1. A method for automatically pushing updated data from a first database to a second database to cause the second database
to be synchronized with the first database, the first and second databases synchronized to process a card-not-present account-on-file
transaction made by a cardholder using payment card information stored by a merchant in the second database, the method is
performed using a payment network computer device coupled to the first database, the payment card information including a
payment card account identifier, said method comprising:
receiving, by the payment network computer device, an authorization request message for the transaction, the authorization
request message received at the payment network computer device from an acquirer associated with the merchant;

receiving, by the payment network computer device, an authorization response message, the authorization response message received
at the computer device from an issuer, the authorization response including a denial indicator indicating that the transaction
has been denied;

querying, by the payment network computer device, the first database, based on a denial code included within the denial indicator
received directly from the issuer, to determine whether the first database includes updated payment card information associated
with the payment card account identifier associated with the transaction;

generating an updated payment card information data file that includes the updated payment card information, a transaction
date associated with the transaction, a purchase amount for the transaction, and a merchant identifier that identifies the
merchant; and

transmitting, by the payment network computer device, the updated payment card information data file to the acquirer for the
acquirer to communicate to the merchant, causing the second database to be updated to include the information in the updated
payment card information data file, and prompting the merchant to resubmit the transaction using the information in the updated
payment card information data file to complete the transaction.

US Pat. No. 10,091,158

SYSTEMS AND METHODS FOR RESOLVING DATA INCONSISTENCIES BETWEEN DOMAIN NAME SYSTEMS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for managing Domain Name System (DNS) information, said method using a computing device having a processor and a memory, said method comprising:receiving, in the memory, source DNS data from a plurality of DNS systems including at least a first plurality of records retrieved in response to a first query of a first source DNS server and a second plurality of records retrieved in response to a second query of a second source DNS server;
identifying, by the processor, an inconsistency between the first plurality of records and the second plurality of records, the inconsistency including an inconsistency type;
determining a solution to the inconsistency by applying one or more rules from a plurality of inconsistency rules based at least in part on the inconsistency type associated with the inconsistency; and
resolving the inconsistency using the determined solution including generating resultant DNS data.

US Pat. No. 10,032,231

INFERRED MATCHING OF PAYMENT CARD ACCOUNTS BY MATCHING TO COMMON MOBILE DEVICE VIA TIME AND LOCATION DATA ANALYSIS

Mastercard International ...

1. A computer-implemented method comprising:receiving a plurality of payment data sets from a payment network, each of the plurality of payment data sets indicative of respective geographic locations and respective times a plurality of payment card transactions were made by a respective payment card at the respective geographic locations;
anonymizing the plurality of payment data sets, each anonymous payment data set associated with a respective non-identifiable payment card in which personally identifiable information has been removed and comprising the respective geographic locations and the respective times the plurality of payment card transactions were made by the respective non-identifiable payment card at the respective geographic locations;
receiving a plurality of mobile device data sets from a respective mobile device generated by one or more of: tracking by a mobile network operator of the respective mobile device, data uploaded from global positioning system applications in the respective mobile device location data generated in connection with social network applications of the respective mobile device, and data captured in connection with other location-sensitive services of the respective mobile device; wherein each mobile device data set of the plurality of mobile device data sets is associated with the respective mobile device and comprises a respective travel profile representing movements of the respective mobile device from one location to another over time, and the respective travel profile includes a number of data pairs which includes a respective geographic location and respective temporal data from when the respective mobile device was at the respective geographic location;
anonymizing the plurality of mobile device data sets, each anonymous mobile device data set associated with a respective non-identifiable mobile device in which personally identifiable information has been removed and comprising the device from one location to another over time, wherein the respective travel profile includes the number of data pairs which includes the respective geographic location and the respective temporal data from when the respective non-identifiable mobile device was at the respective geographic location;
determining, by an engine, that at least two non-identifiable payment cards from the plurality of anonymized payment data sets are commonly controlled by a common mobile device, the determining comprising separately linking a non-identifiable mobile device from the plurality of anonymized mobile data sets to the at least two non-identifiable payment cards based on the respective travel profile of the non-identifiable mobile device and the respective geographic locations and the respective times the plurality of payment card transactions were made in the respective geographic locations by the at least two non-identifiable payment cards; and
aggregating data, by the engine, from transactions performed by the at least two non-identifiable payment cards linked to the common mobile device and storing the aggregated data in a storage device such that the aggregated data is linked to the common control in the storage device.

US Pat. No. 9,887,964

METHOD AND SYSTEM FOR DYNAMIC DE-IDENTIFICATION OF DATA SETS

MASTERCARD INTERNATIONAL ...

1. A method for combining disparate data sets using dynamic de-identifiers, comprising:
receiving, by a receiving device of a processing system, a first data set from a first entity external to the processing system,
wherein the first data set includes a plurality of first data entries, each first data entry including a plurality of attribute
values and an associated identification key, and wherein the first data set does not include any personally identifiable information;

receiving, by the receiving device of the processing system, a second data set from a second entity external to the processing
system, wherein the second data set includes a plurality of second data entries, each second data entry including a plurality
of attribute values and an associated identification key, and wherein the second data set does not include any personally
identifiable information;

identifying a dynamic de-identifier (DDID) for each identification key included in each first data entry in the first data
set and each second data entry in the second data set, wherein the DDID is one of: (i) based on the corresponding identification
key, or (ii) equivalent to the corresponding identification key;

matching, by a processing device of the processing system, each second data entry included the second data set to a first
data entry included in the first data set based on a correspondence between the identified DDIDs corresponding to the respective
associated identification keys and a measurement of commonality between the plurality of attribute values of each first data
entry and the plurality of attribute values of each second data entry, wherein the matching is based on the measurement of
commonality being higher than a threshold;

identifying, by the processing device of the processing system, one or more insights for at least one first data entry included
in the first data set based on at least the plurality of attribute values included in the corresponding matched second data
entry; and

transmitting, by a transmitting device of the processing system, at least the identified one or more insights to the first
entity external to the processing system.

US Pat. No. 9,881,297

METHODS AND SYSTEMS FOR SECURE MOBILE DEVICE INITIATED PAYMENTS USING GENERATED IMAGE DATA

MASTERCARD INTERNATIONAL ...

1. A method for conducting a payment transaction with a mobile device, comprising:
activating, by the mobile device, a payment application installed on the mobile device;
determining, by the payment application installed on the mobile device, a dynamic variable for the payment transaction, said
dynamic variable being different for each initiated transaction;

generating, by the payment application installed on the mobile device, a unique dynamic optical image for the financial transaction,
wherein said unique dynamic optical image (i) is a one-time use bar code, (ii) is generated by converting a payment account
number, an expiry date of said payment account number, and the determined dynamic variable, and (iii) is different from unique
dynamic optical images generated for other financial transactions;

displaying, on a display device of the mobile device, the generated unique dynamic optical image; and
presenting said generated unique dynamic optical image, displayed on the display device of the mobile device, to a merchant
transaction terminal for scanning to conduct said payment transaction.

US Pat. No. 9,875,475

SYSTEMS AND METHODS FOR FRAUD DETECTION BY TRANSACTION TICKET SIZE PATTERN

MasterCard International ...

1. A computer-implemented method for fraud detection based on a pattern of transaction ticket size over a payment card network,
the method implemented using a computer device coupled to a memory device, the method comprising:
electronically receiving transaction information for a current financial transaction initiated by a cardholder with a merchant,
the transaction information including a current transaction amount;

retrieving a predetermined number of historical transactions for the cardholder based on the transaction information;
generating a historical spend ticket size pattern based on i) an average ticket size and ii) a standard deviation for the
average ticket size for at least one of a same store associated with the merchant, similar stores, and relevant merchant categories;

comparing the current transaction amount to the historical spend ticket size pattern; and
generating a recommendation for approval or decline of the current financial transaction based on the comparison.

US Pat. No. 9,858,629

METHOD AND SYSTEM FOR DETERMINING AFFILIATION OF FOREIGN PAYMENT CARD HOLDERS WITH DOMESTIC EDUCATIONAL INSTITUTIONS

MASTERCARD INTERNATIONAL ...

1. A method comprising:
retrieving from one or more databases a first set of information comprising payment card transaction information attributable
to one or more foreign payment card holders; wherein the payment card transaction information is generated via a computer
in a payment card system from communications exchanged over a network between parties to transactions involving payment cards
while the transactions are taking place;

retrieving from one or more databases a second set of information comprising domestic merchant information of one or more
domestic merchants;

retrieving from one or more databases a third set of information comprising domestic educational institution information of
one or more domestic educational institutions;

analyzing the first set of information and the second set of information to identify purchasing and payment activities of
the one or more foreign payment card holders by date at the one or more domestic merchants;

identifying shopping patterns of the one or more foreign payment card holders at the one or more domestic merchants based
on the purchasing and payment activities of the one or more foreign payment card holders by date at the one or more domestic
merchants;

determining residential geolocation of the one or more foreign payment card holders based on the shopping patterns of the
one or more foreign payment card holders at the one or more domestic merchants;

analyzing the third set of information to identify geolocation of the one or more domestic educational institutions;
comparing residential geolocation of the one or more foreign payment card holders with geolocation of the one or more domestic
educational institutions to determine a relative degree of proximity of the one or more foreign payment card holders with
the one or more domestic educational institutions; and

assessing the determined relative degree of proximity to facilitate determining whether the one or more foreign payment card
holders are affiliated with the one or more domestic educational institutions.

US Pat. No. 9,852,438

SYSTEMS AND METHODS FOR PEER-TO-PEER REWARD POINTS TRANSFER OVER MOBILE DEVICES

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for transferring reward points between separate mobile computing devices, the method implemented
by a first mobile computing device in communication with a memory, the method comprising:
receiving, at the first mobile computing device, a first reward points balance associated with a first reward points account;
detecting, by the first mobile computing device, a second mobile computing device associated with a second reward points account
based upon a determination, by the first mobile computing device, that the second reward points account has an association
with the first awards points account and a second reward points balance, and that the second mobile computing device is within
a predetermined proximity of the first mobile computing device, wherein the first mobile computing device is different from
the second mobile computing device;

initiating a transfer request from the first mobile computing device to the second mobile computing device, the transfer request
representing a request from the first mobile computing device to the second mobile computing device to transfer at least one
reward point between the first reward points account and the second reward points account; and

sending a transfer command to a rewards program computer system, the transfer command instructing the rewards program computer
system to transfer the at least one reward point between the first reward points account and the second reward points account,
upon successfully completing the transfer request.

US Pat. No. 9,846,867

SYSTEM AND METHOD FOR POINT-OF-SALE ELECTRONIC RECEIPT GENERATION AND MANAGEMENT

MASTERCARD INTERNATIONAL ...

1. A system comprising:
a point-of-sale (POS) component that performs a transaction at a location at which a customer and the POS component are physically
present together and generates content relating to the transaction;

a payment card having-contact information stored thereon and identifies a contact address to which an electronic receipt is
to be sent; and

an electronic receipt server for warehousing the electric receipt in a structured format to allow the customer to link all
transaction accounts of the customer and query, in multiple ways, the transaction accounts, wherein the electronic receipt
server comprises (1) a communication module that facilitates communications with one or more of the POS component and a computing
device, (2) a notification module that generates one or more alerts and/or notifications to the one or more entities, and
(3) a prediction module that generates one or more predictive behavioral models based on the content relating to the transaction
and intent of one or more entities;

wherein the one or more predicative behavioral models (a) are indicative of a propensity of the one or more entities and (b)
predict behavior and intent of the one or more entities;

wherein the payment card comprises an information storage medium having stored encoded data, and at least part of the stored
encoded data comprises the contact information; and

wherein the POS component generates the electronic receipt based on the content relating to the transaction and causes the
electronic receipt to be sent to the contact address identified on the payment card.

US Pat. No. 9,846,888

METHOD AND APPARATUS FOR REWARD CALCULATION AND DISBURSEMENT

MasterCard International ...

1. A method for processing rewards in a payment processing network comprising:
retrieving, by a rewards system computer executing an application, a batch of purchase transaction data from a data warehouse
which has been cleared by a payment processing network transaction clearing computer, the cleared purchase transaction data
associated with a plurality of individual purchase transactions not previously screened by the rewards system computer;

identifying, by the rewards system computer executing another application, individual purchase transactions of the batch of
purchase transaction data that qualify for a customer rebate without requiring customer redemption of a coupon, wherein the
qualifying purchase transactions are identified by comparing purchase transaction data associated with each of the individual
purchase transactions with rewards program data associated with a plurality of dissimilar rewards programs;

generating, by the rewards system computer, a payment transaction data file for initiating payment transactions to payment
card accounts of cardholders who qualified for a customer rebate, and a plurality of acquirer data files;

transmitting, by the rewards system computer to a payment processing network transaction clearing computer, the payment transaction
data file to credit rebate amounts from acquirer financial institutions to the payment card accounts of cardholders at issuer
financial institutions, the rebate amounts associated with the individual purchase transactions that qualified for customer
rebates; and

transmitting, by the rewards system computer to acquirer computers, the plurality of acquirer data files to charge the rebate
amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer
rebates.

US Pat. No. 9,787,476

IMAGE VERIFICATION BY AN ELECTRONIC DEVICE

MASTERCARD INTERNATIONAL ...

1. A method for displaying an image of a bank card associated with a particular service provider at an electronic device,
the method comprising:
sending, by an electronic device, to a server, a request for an image of a bank card associated with a particular service
provider, wherein the server is remote from the electronic device;

receiving, at the electronic device, from the server, a background image of the bank card corresponding to the particular
service provider and a certificate associated with the background image, wherein the certificate comprises a protected checksum
of at least the background image;

generating, at the electronic device, a checksum in dependence on at least the received background image;
retrieving, at the electronic device, account information to be overlaid on the background image; and
displaying, at the electronic device, the received background image and the account information overlaid on the background
image when the generated checksum and the protected checksum received in the certificate match.

US Pat. No. 9,785,943

METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM

MASTERCARD INTERNATIONAL ...

1. A risk management method for a payment device system comprising:
setting, in a payment card issuer computer, a risk management limit to be applied to authorized purchase transactions for
a payment card account;

detecting in the payment card issuer computer that purchase transactions for the payment card account have approached the
risk management limit;

sending a warning message from the payment card issuer computer to a mobile telephone of a holder of the payment card account
to notify the holder that the risk management limit is imminent;

detecting, by the payment card issuer computer, that the holder has requested re-setting of the risk management limit; and
in response to detecting the holder requested re-setting of said risk management limit, re-setting said risk management limit
in the payment card issuer computer.

US Pat. No. 9,785,946

SYSTEMS AND METHODS FOR UPDATING PAYMENT CARD EXPIRATION INFORMATION

Mastercard International ...

1. A network-based system for synchronizing distributed databases, thereby reducing declines of card-not-present recurring
payment (CNP/RP) transactions including a recurring transaction initiated by a cardholder using payment card information stored
by a first merchant computer associated with a first merchant, the merchant computer coupled to a merchant database for storing
the payment card information for a payment card that is registered to be used in the CNP/RP transaction, the payment card
information including an existing expiration date, said system comprising:
a payment network computing device comprising a first database for storing payment card information and a second database
for storing transaction information including payment card information, the payment card information derived from an issuing
bank database, the payment network computing device configured to:

select, from the first database, a candidate payment card having stale payment card data including an existing expiration
date by i) executing a query command on the first database using an expiration date value corresponding to a predetermined
period of time of a selected calendar date, and ii) retrieving an account identifier for the candidate payment card;

perform a lookup in the second database using the account identifier;
retrieve at least one transaction record from the second database corresponding to a recent transaction performed using the
candidate payment card at a second merchant computer associated with a second merchant;

determine that the at least one retrieved transaction record includes updated expiration date data by i) comparing an expiration
date associated with the at least one transaction record with the existing expiration date of the candidate payment card,
and ii) identifying that a data update event has occurred for the candidate payment card;

generate an updated expiration date notification;
transmit the updated expiration date notification to the merchant computer indicating that the existing expiration date has
been replaced with the updated expiration date; and

cause, by the transmission, the merchant database to i) be updated with the updated expiration date, and ii) synchronize payment
card information with the issuing bank database, thereby preventing a decline of at least one future transaction due to stale
data.

US Pat. No. 9,747,644

TRANSACTION-HISTORY DRIVEN COUNTERFEIT FRAUD RISK MANAGEMENT SOLUTION

MASTERCARD INTERNATIONAL ...

1. A method comprising the steps of:
gathering transaction data for a plurality of successful payment device transactions in a first environment, said successful
payment device transactions being carried over a payment processing network;

filtering said transaction data to identify successful payment device transactions associated with payment devices for which
offline authentication is not supported, to obtain a whitelist, wherein said filtering is carried out by at least one hardware
processor located at a node of said payment processing network;

carrying out propensity modeling on said whitelist to identify a subset of said payment devices for which said offline authentication
is not supported which are more likely than a remainder of said payment devices for which said offline authentication is not
supported to be used at a specific merchant, to obtain a further-refined whitelist, wherein said propensity modeling is carried
out by at least one hardware processor located at said node of said payment processing network, said propensity modeling in
turn comprising:

said at least one hardware processor conducting a learning process with an artificial neural network analyzer; and
said at least one hardware processor applying said artificial neural network analyzer which has undergone said learning process
to said successful payment device transactions associated with said payment devices for which said offline authentication
is not supported to identify said subset of said payment devices for which said offline authentication is not supported which
are more likely than said remainder of said payment devices for which said offline authentication is not supported to be used
at said specific merchant, to obtain said further-refined whitelist; and

making said further-refined whitelist available to a plurality of payment device readers in a second environment which is
different from the first environment and which does not support real-time online authorization, via at least one of: said
specific merchant, and a third party acting on behalf of said specific merchant, to permit inferring said offline authentication
of said subset of said payment devices for which said offline authentication is not supported, in said second environment.

US Pat. No. 9,754,275

SYSTEM AND METHOD FOR CARD-LINKED SERVICES

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for applying a promotion or rebate associated with a transaction account, the method comprising:
receiving, with one or more processors from a computing device associated with a first party, offer information representing
an offer for a promotion or rebate provided to a purchaser while the purchaser is operating a computing device that is connected
to a publisher's Internet web site;

in response to a selection of the promotion or offer and while the computing device operated by the purchaser is connected
to the publisher's Internet web site, receiving, from a computing device associated with the publisher's Internet website,
information representing the purchaser;

generating, with the one or more processors, a match key that is associated with the purchaser and usable to access information
representing a plurality of transaction accounts of the purchaser;

transmitting, with the one or more processors, to a computing device having access to information representing the plurality
of transaction accounts, the match key;

receiving, with the one or more processors in response to the transmitted match key, the information representing the plurality
of transaction accounts;

transmitting, with the one or more processors to a computing device associated with the publisher's Internet website, the
information representing the plurality of transaction accounts for generating and displaying for the computing device operated
by the purchaser, without controlling the appearance of the publisher's Internet web site on other computing devices operated
simultaneously by other users, a prompt for a selection of one of the plurality of transaction accounts;

receiving, with the one or more processors, from the computing device operated by the purchaser in response to the prompt,
a selection of one of the plurality of transaction accounts for future application of the promotion or rebate, wherein the
selection of the one transaction account represents an acceptance of the offer; and

associating, with the one or more processors, at least some of the offer information with the selected one transaction account
wherein the rebate or promotion is applied, without user assistance, to the selected one transaction account as a function
of transaction information representing a purchase made by the purchaser using the selected one transaction account in accordance
with the offer information.

US Pat. No. 9,754,289

SYSTEMS AND METHODS FOR PROVIDING RECOMMENDATIONS TO RESIDENTIAL RELOCATORS

MasterCard International ...

1. A method for determining a relocation recommendation for a relocating cardholder relocating from a first location to a
target location, the method implemented using a relocation recommendation (RR) computing device in communication with a memory,
said method comprising:
receiving a cardholder identifier for the relocating cardholder, and at least one of a general target area and the target
location;

identifying at least one comparison cardholder having initiated payment card transactions within the target location and involving
items purchased that are comparable to items purchased by the relocating cardholder;

determining at least one target merchant located within the target location, the at least one target merchant having sold
at least one comparable item to the at least one comparison cardholder; and

transmitting, to a relocating cardholder device, a relocation recommendation including a name and a location of the at least
one target merchant to the relocating cardholder.

US Pat. No. 9,715,693

METHOD AND APPARATUS FOR DISTRIBUTING ADVERTISEMENTS USING SOCIAL NETWORKS AND FINANCIAL TRANSACTION CARD NETWORKS

MASTERCARD INTERNATIONAL ...

1. A method for distributing an offer to a computer, comprising:
storing, by a server, offer preferences of a user of a first computer;
identifying, by the server, a location of the first computer;
identifying, by the server, the offer preferences of the user of the first computer; and
transmitting, by the server, a message including at least the offer to the first computer,
wherein the offer, within the transmission message, (i) is for the purchase of goods or services, (ii) meets the offer preferences
of the user of the first computer, and (iii) is encoded with a first offer identifier corresponding to the user of the first
computer, and

wherein the method further includes:
forwarding the offer from the first computer to a second computer, wherein the offer is further encoded with a second offer
identifier corresponding to a user of the second computer;

upon redemption of the offer by a user of the second computer, decoding the encoded first and second offer identifiers; and
identifying, by the server, the user of the first computer and the user of the second computer upon redemption of the offer
by the user of the second computer and as a result of the decoding of the encoded first and second offer identifiers.

US Pat. No. 9,691,104

SYSTEM AND METHOD FOR PROVIDING REVENUE PROTECTION BASED ON WEATHER DERIVATIVES AND MERCHANT TRANSACTION DATA

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for generating offers of insurance on payment card transactions and for providing conditional
payment for protection against weather or other natural phenomenon, the method comprising:
storing in a database records data of payment card transactions conducted over an electronic payment card processing network
of interconnected computing devices, the payment card transaction records data including at least a merchant identifier, a
merchant location, a transaction date, and a transaction amount for each payment card transaction;

at one of said interconnected computing devices configured in the electronic payment card processing network:
determining via a computer processor, recurring merchant revenue for a given merchant over a given time interval based on
the stored payment card transactions records data corresponding to said merchant;

generating via the computer processor, merchant revenue profile data representative of changes in recurring merchant revenue
as a function of one or more weather parameters, by applying historical weather data to the merchant payment card transaction
record data, the historical weather data being matched to the location of the merchant business and the date and time of the
payment card transaction records;

generating an offer of insurance covering a term and including a payout amount and including one or more weather-specific
payout conditions, based on the merchant revenue profile data and the recurring merchant revenue data;

transmitting to the merchant, via a network other than the payment card processing network, the offer of insurance;
responsive to receipt of acceptance of said offer:
storing the weather-specific payout conditions of an insurance policy generated responsive to the acceptance of the offer
of insurance; and

purchasing, from a third party system based upon the payout amount and payout conditions, one or more weather-related contracts;
monitoring a weather data feed for the merchant location associated with said accepted offer;
analyzing data from the weather data feed and the weather-specific payout conditions of the insurance policy; and
responsive to detection of at least one of said weather-specific payout conditions:
automatically initiating a calculation of a corresponding payout amount;
generating a credit transaction that credits the calculated payout amount to a merchant account corresponding to the merchant;
and

initiating a transaction with the third-party system to request payment according to terms of the one or more weather-related
contracts purchased by the one of said interconnected computing devices.

US Pat. No. 9,613,365

METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR SECURE NEAR FIELD COMMUNICATION OF A NON-SECURE MEMORY ELEMENT PAYLOAD

MASTERCARD INTERNATIONAL ...

1. A method for secure near field communication (NFC) of a non-secure memory element payload, the method comprising:
receiving, at an NFC enabled mobile device and from a content provider, a payload that is encrypted;
storing the received payload in a non-secure memory element located within the NFC enabled mobile device;
transferring the stored payload from the non-secure memory element located within the NFC enabled mobile device to a secure
memory element located within the NFC enabled mobile device, wherein transferring the stored payload includes utilizing a
payload key provisioned into the secure memory element by the content provider to decrypt the stored payload and subsequently
loading the stored payload into a secure reloadable payload instance included in the secure memory element located within
the NFC enabled mobile device;

establishing a NFC link between the NFC enabled mobile device and an NFC reader;
communicating, via the NFC link, the transferred payload from the secure reloadable payload instance to the NFC reader; and
after communicating the transferred payload from the secure reloadable payload instance to the NFC reader, clearing the transferred
payload from the secure reloadable payload instance and reloading the secure reloadable payload instance with a subsequent
second payload from the non-secure memory element.

US Pat. No. 9,613,381

PAYROLL SYSTEM WITH FLEXIBLE DISBURSEMENT OPTIONS

MasterCard International ...

1. A method of electronically disbursing tips from a restaurant to a restaurant employee on a daily basis with disbursement
occurring each day that the restaurant employee earns the tips, the disbursement utilizing an electronic messaging payment
network that links account issuer server computers to each other, the method comprising:
storing, in a payroll disbursement computer, payroll information for the restaurant employee, the payroll information including
the restaurant employee's name, address, social security number, and electronic contact information;

receiving, in the payroll disbursement computer, a payroll disbursement indication from a proprietor of the restaurant, the
payroll disbursement indication authorizing disbursement of the tips to the restaurant employee, the indication including
a first electronic message originating from a first hand-held mobile device operated by the restaurant proprietor, the first
electronic message received in the payroll disbursement computer on a day in which said tips were earned by the restaurant
employee, the first hand-held mobile device including a first processor, a first memory, first communication circuitry and
a first touchscreen for providing a first user interface to the restaurant proprietor;

in response to the payroll disbursement indication, sending a second electronic message from the payroll disbursement computer
to a second hand-held mobile device operated by the restaurant employee, the message addressed according to the stored electronic
contact information for the employee, the message indicating to the employee (i) that the disbursement of tips is available;
and (ii) that the restaurant employee has a plurality of options for receiving the disbursement of tips, the second electronic
message sent on the day the tips were earned, the second hand-held device including a second processor, a second memory, second
communication circuitry and a second touchscreen for providing a second user interface to the restaurant employee;

receiving, in the payroll disbursement computer, response information from the restaurant employee, the response information
indicative of the restaurant employee's selection of one of the plurality of options, the response information received by
the payroll disbursement computer as electronic messaging from the second hand-held mobile device, the response information
indicating that the tips are to be transferred via the electronic messaging payment network to a destination payment account
owned by the restaurant employee; and

initiating, by the payroll disbursement computer, a transfer of funds from an origination payment account owned by the restaurant
to the destination payment account owned by the restaurant employee, wherein the funds transfer is initiated in response to
the payroll disbursement computer receiving the response information from the second hand-held mobile device, the funds transfer
implemented by electronic messaging via the electronic messaging payment network from a first one of said account issuer server
computers that stores said origination payment account to a second one of said account issuer server computers that stores
said destination payment account;

said funds transfer occurring on the day the tips were earned;
and wherein the payroll disbursement computer includes a third processor and a third memory in communication with the third
processor; said third memory storing program instructions for programming the third processor to perform said steps of (i)
storing payroll information, (ii) receiving the payroll disbursement indication, (iii) sending the second electronic message;
(iv) receiving response information, and (v) initiating the transfer of funds.

US Pat. No. 9,563,871

SYSTEMS AND METHODS FOR STORING COMPUTER INFRASTRUCTURE INVENTORY DATA

MasterCard International ...

1. A computer-implemented method for storing computer infrastructure inventory data using a computing device coupled to a
memory device and a homogeneous database system stored on the memory device, the homogeneous database system including computer-executable
instructions allowing the computing device to manage stored records, the method comprising:
deploying a first tool set to a first host device, wherein the first tool set includes a scan program configured to execute
on the first host device to generate a first inventory file associated with a first scan of the first host device, the first
inventory file having a first heterogeneous inventory file format specific to the first host device;

deploying a second tool set to a second host device, wherein the second tool set includes a scan program configured to execute
on the second host device to generate a second inventory file associated with a second scan of the second host device, the
second inventory file having a second heterogeneous inventory file format specific to the second host device the second inventory
file having a second heterogeneous inventory file format distinct from the first heterogeneous inventory file format and specific
to the second host device;

receiving, at the computing device, the first inventory file associated with the first scan of the first host device and the
second inventory file associated with the second scan of the second host device;

receiving, at the computing device, a first mapping schema specifying relationships associated with the first heterogeneous
inventory file format and a second mapping schema specifying relationships associated with the second heterogeneous inventory
file format, the first mapping schema associated with the first inventory file wherein the first mapping schema comprises
a first structured relationship description between the first inventory file and a first inventory record and the second mapping
schema associated with the second inventory file wherein the second mapping schema comprises a second structured relationship
description between the second inventory file and a second inventory record;

translating, at the computing device, the first inventory file to the first inventory record using the first mapping schema,
and the second inventory file to the second inventory record using the second mapping schema, by converting the first inventory
file from the first heterogeneous inventory file format to a homogeneous data format not specific to the first host device,
and by converting the second inventory file from the second heterogeneous inventory file format to the homogeneous data format
not specific to the second host device; and

updating the homogenous database system with the first and second inventory records such that the homogeneous database system
includes heterogeneous data represented by data of the first and second inventory records in the homogeneous data format.

US Pat. No. 9,544,192

SYSTEMS AND METHODS FOR USING METADATA TO SEARCH FOR RELATED COMPUTER INFRASTRUCTURE COMPONENTS

MasterCard International ...

1. A computer-implemented method for identifying relationships in computer infrastructure inventory data, the method implemented
by a computing device coupled to a memory device, the method comprising:
(a) using the computing device to retrieve an inventory record from an inventory database system, the inventory record containing
inventory data representing a first set of computer infrastructure inventory components generated from a first scan of a first
host system, the first set of computer infrastructure inventory components including at least one hardware component;

(b) determining that the inventory data contains relational inventory metadata by:
identifying primary relational columns known to contain values corresponding to relational inventory metadata; and
determining if primary relational columns have non-null values;
(c) determining that the relational inventory metadata indicates at least one related inventory record including a second
set of inventory data representing a second set of computer infrastructure inventory components generated from a second scan
of a second host system, the second set of computer infrastructure inventory components including at least one hardware component,
by:

retrieving primary values from primary relational columns;
identifying potentially related inventory records, stored as potentially related tables, from the inventory database system;
identifying secondary relational columns known to contain values corresponding to primary relational columns; and
comparing values of secondary relational columns to primary values; and
(d) performing step (a) by retrieving the at least one related inventory record as the inventory record.

US Pat. No. 10,108,956

METHODS AND SYSTEMS FOR USING PHYSICAL PAYMENT CARDS IN SECURE E-COMMERCE TRANSACTIONS

Mastercard International ...

1. A method for conducting a secure e-commerce transaction using cardholder data read from a physical payment card comprising:identifying, by a user computer, a selection of a secure payment option involving use of a physical payment card during an online transaction;
transmitting, by the user computer, an indication of the secure payment option selection to a merchant computer;
receiving, by the user computer, a notification from the merchant computer of initiation of a secure transaction process;
entering, by a security module of the user computer, a secure transaction mode of operation which prevents other routines and applications running on the user computer from access to cardholder data read from the physical payment card;
establishing, by the security module while in the secure transaction mode, a communication session with a payment provider device;
prompting, by the security module while in the secure transaction mode, a user to present a physical payment card to a card reader device associated with the user computer;
reading, by the card reader device, physical payment card data;
creating, by the security module while in the secure transaction mode based on the physical payment card data, a request message;
transmitting, by the security module while in the secure transaction mode, the request message to a payment provider computer causing the payment provider computer to provide substitute payment card details to the merchant computer to complete the online payment transaction; and
exiting, by the security module, the secure transaction mode.

US Pat. No. 10,095,482

SYSTEMS, METHODS, AND MEDIA FOR GRAPHICAL TASK CREATION

MASTERCARD INTERNATIONAL ...

1. A method comprising:receiving, by a computing device, a first instruction to define a configurable automation task based on structured data;
applying access controls to the configurable automation task that match a group stored on the computing device;
adjusting one or more remote target systems in the configurable automation task based on the group stored on the computing device;
upon determining that the configurable automation task is at least partly a remote task rather than a local task, obtaining data relating to a first remote target system of the one or more remote target systems associated with the configurable automation task;
upon determining that the obtained data relating to the first remote target system of the one or more remote target systems matches data of at least one target system of target systems associated with the computing device, receiving one or more parameter types and parameter definitions associated with the configurable automation task;
generating, by a processor, a first user interface based on the received one or more parameter types and parameter definitions;
receiving one or more parameter definition values via the generated first user interface;
generating, by the processor, a script based on the received first instruction, the received one or more parameter definitions, and the received one or more parameter definition values;
transmitting the generated script to the first remote target system to perform a first operation of one or more operations associated with the configurable automation task in accordance with the received one or more parameter definitions, and the received one or more parameter definition values; and
utilizing, by the processor, a second user interface configured to integrate the generated script with one or more remote execution capabilities of the one or more remote target systems by transmitting, to a second remote target system of the one or more remote target systems, a second instruction to perform a second operation of the one or more operations associated with the configurable automation task, the second operation being different from the first operation.

US Pat. No. 10,019,347

SYSTEMS AND METHODS FOR SELECTION OF TEST CASES FOR PAYMENT TERMINALS

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for selecting test cases to be executed on a terminal, the method comprising:creating a configuration code representing a configuration of the terminal, wherein the configuration code includes a bitmap having one or more bit entries, where each of the bit entries represents a Boolean fact relating to the terminal configuration;
applying the configuration code to a set of test case selection tuples, wherein each of the test case selection tuples comprises a mask, a corresponding comparison value set and a test case reference for a test case; and
for each of the test case selection tuples in the set:
identifying, using the mask, the one or more bit entries of the configuration code which are to be compared with the corresponding comparison value set;
comparing, via a Boolean operator, the values of the identified one or more bit entries with respective values of the corresponding comparison value set; and
selecting the test case for execution on the terminal if each of the values of the identified one or more bit entries corresponds to the respective values of the comparison value set.

US Pat. No. 9,998,481

SYSTEMS AND METHODS FOR USE IN SCORING ENTITIES IN CONNECTION WITH PREPAREDNESS OF THE ENTITIES FOR CYBER-ATTACKS

MASTERCARD INTERNATIONAL ...

1. A system for use in scoring a business entity, associated with a payment network, for preparedness in connection with one or more cyber-attacks on the business entity and/or the payment network, the system comprising at least one computing device configured, by executable instructions, to:receive, by the at least one computing device, a selection of a business entity associated with a payment network;
generate, by the at least one computing device, multiple sub-scores for at least one cyber-security measure associated with the business entity, wherein:
each of the multiple sub-scores is generated based on at least two partial scores, each partial score based on one aspect selected from the group consisting of: assets of the business entity, people at the business entity, at least one process of the business entity, and a technology associated with the business entity;
each of the multiple sub-scores is directed to different stages of a cyber-attack; and
one of the multiple sub-scores is associated with a prevention stage and a different one of the multiple sub-scores associated with a detection stage;
weight, by the at least one computing device, each sub-score based on a weight percentage, wherein the weight percentage is indicative of a relative impact of said sub-score on preparedness of the business entity in connection with the cyber-attack;
combine, by the at least one computing device, the multiple weighted sub-scores into a preparedness score; and
publish, by the at least one computing device, the preparedness score to a user.

US Pat. No. 9,947,010

METHODS AND SYSTEMS FOR PAYMENTS ASSURANCE

MASTERCARD INTERNATIONAL ...

1. A merchant-initiated consumer authentication and payment authorization method, comprising:receiving, by a Proxy Service Manager Server computer, a consumer authentication request from a merchant device comprising a proximity payment device, wherein the consumer authentication request includes consumer information obtained when a consumer uses a consumer mobile device to transmit payment transaction data to the proximity payment device to conduct a card not present (CNP) transaction;
establishing, by the Proxy Service Manager Server computer, a secure communications channel between the Proxy Service Manager Server computer and an Authentication Service Manager Server computer;
transmitting, by the Proxy Service Manager Server computer via the secure communications channel, the consumer authentication request comprising the consumer information to the Authentication Service Manager Server computer associated with the consumer;
receiving, by the Proxy Service Manager Server computer from the Authentication Service Manager Server computer, a non-repudiable, one-time accountholder authentication value (“AAV”) token generated by the Authentication Service Manager Server computer by using a Mobile Subscriber Integrated Services Digital Network (MSISDN) number of the consumer mobile device for the CNP transaction;
generating, by the Proxy Service Manager Server computer, a payment authorization request that includes the AAV token in a Universal Card Authentication Field;
transmitting, by the Proxy Service Manager Server computer, the payment authorization request to an Acquirer financial institution (FI) Server computer;
receiving, by the Proxy Service Manager Server computer from the Acquirer FI, a payment authorization message signifying that the Issuer FI validated the AAV token; and
transmitting, by the Proxy Service Manager Server computer, the payment authorization message to the merchant device to complete the CNP purchase transaction.

US Pat. No. 9,922,311

ACCOUNT MASK IDENTIFIER APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT

MASTERCARD INTERNATIONAL ...

1. A method comprising the steps of:
at a computing device located in communication with an intermediate node in an electronic bill payment system, obtaining access
to a data structure comprising a plurality of valid customer account numbers;

with said computing device, obtaining a plurality of normalized valid customer account numbers by replacing each character
of each of said valid customer account numbers with a wild card in accordance with a normalization scheme;

designating at least one pattern of said wild cards in said plurality of normalized valid customer account numbers as a recommended
account mask;

processing, with said electronic bill payment system, at least one electronic payment with an account number that passes said
recommended account mask; and

rejecting, with said electronic bill payment system, at least one electronic payment with an account number that does not
fit said recommended account mask.

US Pat. No. 9,875,506

METHOD AND SYSTEM FOR PROVIDING FINANCIAL PERFORMANCE DATA ASSOCIATED WITH A MERCHANT

MASTERCARD INTERNATIONAL ...

1. A computer-implemented method for predicting a financial performance of a commercial property location using financial
performance data associated with a merchant, said method implemented using a performance determination computing device in
networked communication with a payment network computing device associated with a payment network, said method comprising:
receiving a request from a client computing device to provide financial performance data for at least a first merchant having
a location different than the commercial property location, and for a plurality of second merchants each located at the commercial
property location;

retrieving, by the performance determination computing device from the payment network computing device, transaction data
associated with the first merchant and plurality of second merchants, wherein the retrieved transaction data is associated
with payments processed through the payment network;

determining first values for a plurality of financial performance factors for the first merchant, based on the retrieved transaction
data, the plurality of financial performance factors including at least one of a cash flow, a standard deviation for the cash
flow, a revenue per unit sold, and a growth rate for each of the plurality of merchants;

determining second values for at least one second merchant of the plurality of second merchants for the plurality of financial
performance factors, based on the retrieved transaction data;

comparing the first values to the second values to determine at least one ranking of the first merchant relative to the at
least one second merchant;

determining, by the performance determination computing device, based on the at least one ranking, an impact of adding the
first merchant to the commercial property location;

generating, by the performance determination computing device, based on the determined impact, a financial prediction for
the commercial property location, representing a financial performance of the commercial property location when the first
merchant is included within the commercial property location; and

transmitting the at least one ranking and the financial prediction to the client computing device, in response to the request,
without providing the first value or the retrieved transaction data.

US Pat. No. 9,825,946

METHOD AND SYSTEM FOR ENHANCED VALIDATION OF CRYPTOGRAMS IN CLOUD-BASED SYSTEMS

MASTERCARD INTERNATIONAL ...

1. A method for enhanced validation of cryptograms for varying account number lengths, comprising:
storing, in a memory of a computing device, one or more primary account numbers and a plurality of formatting templates, wherein
each template is associated with at least an account number length;

receiving, by an input device of the computing device, a selection indicating a specific primary account number of the one
or more primary account numbers;

executing, by a querying module of the computing device, a query on the memory to identify a specific formatting template
of the plurality of formatting templates where the associated account number length corresponds to a length of the specific
primary account number;

receiving, by a receiving device of the computing device, at least an unpredictable number from a point of sale device;
generating, by a generation module of the computing device, a cryptogram based on at least the unpredictable number and one
or more algorithms;

generating, by the generation module of the computing device, a data string, wherein the data string includes at least the
generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted
based on the identified specific formatting template; and

electronically transmitting, by a transmitting device of the computing device, the generated data string to the point of sale
device.