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Небесная энциклопедия

Космические корабли и станции, автоматические КА и методы их проектирования, бортовые комплексы управления, системы и средства жизнеобеспечения, особенности технологии производства ракетно-космических систем

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Мониторинг СМИ

Мониторинг СМИ и социальных сетей. Сканирование интернета, новостных сайтов, специализированных контентных площадок на базе мессенджеров. Гибкие настройки фильтров и первоначальных источников.

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Применить Всего найдено 13. Отображено 13.
29-06-2017 дата публикации

METHOD AND SYSTEM FOR VERIFICATION AT POINT OF SALE

Номер: US20170186005A1
Автор: Roopa Vaidya, Michael Cardamone, Cindi Pitz, VAIDYA ROOPA, CARDAMONE MICHAEL, PITZ CINDI, Vaidya Roopa, Cardamone Michael, Pitz Cindi
Принадлежит: MasterCard International Incorporated

A method for consumer verification of a payment transaction that exceeds previously established account limitations includes: storing account profiles, each including data related to a transaction account including a primary account number and transaction controls; receiving a transaction message related to a payment transaction including a specific primary account number, a point of sale identifier, and one or more additional data elements configured to store transaction details; identifying a specific account profile that includes the specific primary account number; determining that the payment transaction exceeds the account controls in the specific account profile based on the transaction details; transmitting question data for a plurality of questions to a point of sale associated with the point of sale identifier; receiving answer data from the point of sale; and transmitting the transaction message to a financial institution based on the answer data. 1. A method for consumer verification of a payment transaction that exceeds previously established account limitations , comprising:storing, in an account database of a processing server, a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least a primary account number and one or more transaction controls;receiving, by a receiving device of the processing server, a transaction message related to a payment transaction 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 a specific primary account number, a second data element configured to store a point of sale identifier, and one or more additional data elements configured to store transaction details;executing, by a processing device of the processing server, a query on the account database to identify a specific account profile where the ...

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Номер записи: 1
11-02-2016 дата публикации

Methods and Systems for Identifying Merchant and ATM Demand

Номер: US20160042374A1
Автор: Cardamone Michael, Vaidya Roopa, Weis David
Принадлежит:

Methods and systems are provided for identifying demand at, for example, merchants and ATMs located within selected geographic boundaries, and over a selected time frame. Transaction data for transactions conducted over the selected time frame is received at a computing device, and location data is associated with each of the transactions. The location data generally corresponds to a location at which each of the transactions occurred. The transactions are then grouped into geographic boundaries based on the location data. For each of the geographic boundaries, the transaction data is compared to a predefined benchmark. And, for each of the geographic boundaries satisfying the benchmark, demand indices are generated indicative of financial demand in the geographic boundary. 1. A computer implemented method for identifying financial demand within geographic boundaries over a selected time period , the method comprising:receiving, at a computing device, transaction data for transactions conducted over a selected time period;associating, at the computing device, location data with each of the transactions, the location data corresponding to a location at which each of the transactions occurred;grouping the transactions into geographic boundaries based on the location data;for each of the geographic boundaries, comparing the transaction data for the grouped transactions to a predefined benchmark; andfor each of the geographic boundaries satisfying the benchmark, generating, at the computing device, at least one demand index indicative of financial demand in the geographic boundary.2. The method of claim 1 , further comprising claim 1 , for each of the geographic boundaries not satisfying the benchmark claim 1 , regrouping the transactions with transactions in another geographic boundary.3. The method of claim 1 , wherein the transaction data includes merchant transaction data from multiple merchants claim 1 , and wherein grouping the transactions into geographic ...

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Номер записи: 2
25-02-2016 дата публикации

METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR UTILIZING PAYMENT CARD TRANSACTION DATA TO CONDUCT PRODUCT PRICE COMPARISONS

Номер: US20160055502A1
Автор: Pitz Cindi, Vaidya Roopa A.
Принадлежит:

Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product. 1. A method for utilizing payment card transaction data to conduct product price comparisons , the method comprising:receiving product selection information associated with a designated product from a user selection device;receiving geographic location information associated with the user selection device;utilizing the product selection information, a specified time period designated via the user selection device, and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and during the specified time period; andproviding, to the user selection device, merchant comparison data that includes the identified merchant entities and prices of the sales transactions of the designated product sold by the identified merchant entities during the specified time period.2. The method of wherein receiving product selection information includes receiving either a universal product code (UPC) identifier or a product description input of the designated product from the user selection device.3. The method of wherein receiving geographic location ...

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Номер записи: 3
28-02-2019 дата публикации

System and method of authentication using image of a user

Номер: US20190065874A1
Автор: Jean-Pierre Gerard, Jeremy Pastore, Michael L. Zhao, Ramamohan Reddy Sangasani, Roopa A. Vaidya, Steven Klocinski
Принадлежит: Mastercard International Inc

A fraud prevention system, method and medium analyzes a fraud prevention image, or a sequence of fraud prevention images, including a facial region of the user and a card associated with the user. The systems, methods and mediums may enable an image parser, a facial recognizer, a communication manager and an authenticator. The image parser may be adapted to parse the fraud prevention image into a facial image and a device image. The facial recognizer may be adapted to analyze the facial image to generate a current facial signature of the user. The authenticator may be adapted to authenticate the user based at least on comparison to the current facial signature and an enrolled facial signature. The communication manager may request a device verification based on a device signature and the authentication of the user. A liveness detector may verify liveness of the user within the fraud prevention image.

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Номер записи: 4
19-05-2016 дата публикации

METHOD AND SYSTEM OF IMPROVING THE INTEGRITY OF LOCATION DATA IN RECORDS RESULTING FROM ATM-BASED SINGLE MESSAGE TRANSACTIONS PROCESSED OVER A PAYMENT NETWORK

Номер: US20160140665A1
Автор: Cardamone Michael, Dantu Stephen, Mayawala Divyam, Vaidya Roopa
Принадлежит:

A method and system are provided herein of improving the integrity of location data in records resulting from ATM-based single message transactions processed over a payment network including: electronically storing records on a specialized computing device, the records resulting from ATM-based single message transactions processed over a payment network; geocoding location data in the records to generate geocoded records which are electronically stored on the specialized computing device; extracting at least two details from a first of the geocoded records; and, comparing, using a special purpose database management system, the at least two details with data structures maintained in a special purpose database of ATM-related information generated independently of the records resulting from the ATM-based single message transactions. Advantageously, the subject invention allows for the integrity of the details of the processed transactions to be improved, in reporting to users, to minimize confusion and challenges of fraud. 1. A method of improving the integrity of location data in records resulting from ATM-based single message transactions processed over a payment network , said method comprising:electronically storing records on a specialized computing device, the records resulting from ATM-based single message transactions processed over a payment network;geocoding location data in the records to generate geocoded records which are electronically stored on the specialized computing device;extracting at least two details from a first of the geocoded records; andcomparing, using a special purpose database management system, the at least two details with data structures maintained in a special purpose database of ATM-related information generated independently of the records resulting from the ATM-based single message transactions.2. A method as in claim 1 , wherein the at least two details include a routing member of an associated transacting bank and a terminal ...

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Номер записи: 5
07-05-2020 дата публикации

METHODS AND SYSTEM FOR REAL-TIME FRAUD DECISIONING BASED UPON USER-DEFINED VALID ACTIVITY LOCATION DATA

Номер: US20200143374A1
Автор: Cardamone Michael, Pitz Cindi, Vaidya Roopa
Принадлежит: MasterCard International Incorporated

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by the user device, the user-provided authentication data. 1. A computer-implemented method for user-defined fraudulent activity determination , comprising:receiving, by a receiving device and from a user mobile device, user-defined geographic data specifying a valid region for processing of transactions along with user identification data;determining, based upon the user identification data, a user account number;storing, in a valid activity database, a valid activity data entry comprising the received user-defined geographic data along with the corresponding user account number;determining, based at least on the valid activity data entry, a fraudulent activity recommendation;receiving, by a receiving device and from a mobile application running on the user mobile device, at predetermined intervals, current geographic location data for the user mobile device;updating, by a processing device, the fraudulent activity recommendation based upon the received current ...

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Номер записи: 6
22-06-2017 дата публикации

METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR UTILIZING PAYMENT CARD TRANSACTION DATA TO PROVIDE ALERT MESSAGES RELATING TO UNPURCHASED ITEMS TO CARDHOLDER USERS

Номер: US20170178219A1
Автор: Vaidya Roopa A.
Принадлежит:

Methods, systems, and computer readable media for utilizing payment card transaction data to provide alert messages relating to unpurchased items to cardholder users are disclosed. In some aspects, the methods can include receiving a message including payment card transaction data designating one or more products or services purchased during a most recent payment card transaction conducted by a cardholder user, identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction, using aggregate payment card transaction data designating the one or more products or services purchased during any previous payment card transactions conducted by the cardholder user, generating an alert message identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction, and providing, to a cardholder user device, the alert message. 1. A method for utilizing payment card transaction data to provide alert messages relating to unpurchased items to cardholder users , the method comprising: receiving, from a network, a message including payment card transaction data designating one or more products or services purchased during a most recent payment card transaction conducted by a cardholder user from a merchant entity and extracting the payment card transaction data associated with the most recent payment card transaction from the message;', 'identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction by performing a lookup in a database using aggregate payment card transaction data designating the one or more products or services purchased during any previous payment card transactions conducted by the cardholder user, the aggregate payment card transaction data being stored therein;', 'generating an alert ...

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Номер записи: 7
28-06-2018 дата публикации

SYSTEM AND METHOD TO PROVIDE A REWARD DURING A CASHLESS TRANSACTION

Номер: US20180181978A1
Автор: Haisley Matthew, Kumar Gaurav, Noyes Nigel, Vaidya Roopa A., WEINBERGER Henry M.
Принадлежит:

A system and method to provide a reward during a cashless transaction, i.e., in real-time, that is immediately applied to the cashless transaction to reduce the amount due from a customer. The system and method link the reward to a group comprised of the customer and his/her friends, family, colleagues, and adds a gaming aspect to a rewards program in that there is a possibility that a cardholder wins a reward each time he/she uses the credit card. The system and method calculates a probability value for the customer and/or for the group, generates a random number for the cashless transaction, and provides a reward if the random number and probability value are the same. 1. A system to provide a reward during a cashless transaction between a merchant and a customer using a cashless transaction account number , the system comprising:a database containing a database record for a group comprised of at least one member, the database record comprising an entry containing a cashless transaction account number for the at least one member; receive a request to authorize a cashless transaction for the customer cashless transaction account number;', 'determine if there is an entry in the database for the customer cashless transaction account number;', 'when there is an entry in the database for the customer cashless transaction account number, determine a probability value for the group;', 'generate a random number;', 'determine if the random number is one of less than and equal to the probability value; and', 'if the random number is one of less than and equal to the probability value, transmit to one of the merchant and the customer, during the cashless transaction, data to modify a term of the cashless transaction., 'a server having a processor operable by a program of instructions stored in memory, the database being accessible by the server, wherein the program of instructions, when executed by the server processor, causes the server processor, during the cashless ...

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Номер записи: 8
14-12-2017 дата публикации

METHODS AND SYSTEM FOR REAL-TIME FRAUD DECISIONING BASED UPON USER-DEFINED VALID ACTIVITY LOCATION DATA

Номер: US20170357971A1
Автор: Cardamone Michael, Pitz Cindi, Vaidya Roopa
Принадлежит: MasterCard International Incorporated

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by the user device, the user-provided authentication data. 1. A computer-implemented method for real-time fraudulent activity verification , comprising:displaying, on a display of a user device, a first notification, the first notification prompting entry of a user-selected geographic area, wherein the user-selected geographic area defines a valid region for processing of transactions associated with a user;receiving, by an input device of the user device, user-defined geographic data, wherein the user-defined geographic data specifies at least one user-selected geographic area and defines the valid region for processing of transactions;transmitting, by a transmitting device of the user device, the user-defined geographic data along with user data, wherein the user data identifies one of the user device or the user;receiving, by the receiving device of a user device, a second notification, the second notification being an authentication request message received in ...

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Номер записи: 9
14-12-2017 дата публикации

Method and system for real time fraud decisioning in transaction processing

Номер: US20170357977A1
Автор: Cindi Pitz, Michael Cardamone, Roopa Vaidya
Принадлежит: Mastercard International Inc

A computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of the point of sale device and a user mobile device, the at least one authentication request message.

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Номер записи: 10
21-12-2017 дата публикации

Method and system for real time fraud decisioning in transaction processing

Номер: WO2017218490A1
Автор: Cindi Pitz, Michael J. CARDAMONE, Roopa A. Vaidya
Принадлежит: MasterCard International Incorporated

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user- defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by the user device, the user-provided authentication data. Also disclosed is a computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of ...

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Номер записи: 11
03-03-2016 дата публикации

Methods, systems and computer readable media for utilizing payment card transaction data to conduct product price comparisons

Номер: WO2016032766A1
Автор: Cindi Pitz, Roopa A. Vaidya
Принадлежит: MasterCard International Incorporated

Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.

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Номер записи: 12
18-02-2016 дата публикации

Methods and systems for identifying merchant and atm demand

Номер: WO2016025224A1
Автор: David Weis, Michael Cardamone, Roopa Vaidya
Принадлежит: MasterCard International Incorporated

Methods and systems are provided for identifying demand at, for example, merchants and ATMs located within selected geographic boundaries, and over a selected time frame. Transaction data for transactions conducted over the selected time frame is received at a computing device, and location data is associated with each of the transactions. The location data generally corresponds to a location at which each of the transactions occurred. The transactions are then grouped into geographic boundaries based on the location data. For each of the geographic boundaries, the transaction data is compared to a predefined benchmark. And, for each of the geographic boundaries satisfying the benchmark, demand indices are generated indicative of financial demand in the geographic boundary.

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Номер записи: 13