Justin James Howe

US Patent:

20130226803, Aug 29, 2013

Filed:

Feb 26, 2013

Appl. No.:

13/777945

Inventors:

MasterCard International Incorporated - , US
David GROSSMAN - Brooklyn NY, US
Michael ZHAO - New York NY, US
Justin X. HOWE - Oakdale NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 20/38

US Classification:

705 44

Abstract:

A system for authenticating an entity includes a database configured to store a profile associated with an entity, the profile including at least an authentication status; a supplying device configured to supply transaction details including a unique virtual payment number (VPN) to a third party entity to be authenticated; a receiving means for receiving an authorization request that includes transaction details that include a VPN; and a processor configured to capture, from the authorization request, transaction details for a payment card transaction wherein the transaction details includes at least a payment card number, authenticate the entity requesting a transaction by comparing the captured transaction details including a payment card number to the supplied unique VPN, and update, in the database, the authentication status in the profile associated with the entity based on the authenticating of the entity based on said authentication.

US Patent:

20130290119, Oct 31, 2013

Filed:

Apr 27, 2012

Appl. No.:

13/457701

Inventors:

Justin X. Howe - Larchmont NY, US
Randall K. Shuken - Westport CT, US

Assignee:

MASTERCARD INTERNATIONAL, INC. - Purchase NY

International Classification:

G06Q 20/40
G06Q 20/20

US Classification:

705 16

Abstract:

A method for providing registrationless payment card security for a payment network that includes maintaining a list of anonymous mobile telephone numbers, which correspond to personal payment card account numbers (PAN). When a card-present authorization for a listed PAN is received, the payment network requests the geolocation of the cell phone of the card holder in real time from the mobile network operator. The mobile network operator determines the geolocation of the cell phone and transmits it to the payment network. The payment network compares the geolocation of the cell phone with the geolocation of the merchant to confirm that the card holder is present at the location of the transaction.

US Patent:

20130346266, Dec 26, 2013

Filed:

Jun 21, 2012

Appl. No.:

13/528977

Inventors:

JUSTIN XAVIER HOWE - Larchmont NY, US

Assignee:

MASTERCARD INTERNATIONAL, INC. - Purchase NY

International Classification:

G06Q 40/00
G06Q 20/40

US Classification:

705 31

Abstract:

In one aspect, a method is provided herein of identifying transactions being processed over a payment card network which may be subjected to a conditional consumption tax. The method includes receiving, via the payment card network, a payment authorization message corresponding to a transaction between a user and a merchant. Further, the method includes determining, using a computer, from the payment authorization message, a user geographical code for the user. Similarly, the method includes determining, using a computer, from the payment authorization message, a merchant geographical code for the merchant. Using a computer, the method calls for comparing the geographical code of the user and the geographical code of the merchant with a demesne of a first tax authority. If the geographical code of the user and the geographical code of the merchant are within the demesne of the first tax authority, then, determining the transaction has no conditional consumption tax burden under the first tax authority. If the geographical code of the user and the geographical code of the merchant are not both within the demesne of the first tax authority, then, identifying the transaction as subjectable to conditional consumption tax by the first tax authority. Advantageously, with the method of the subject invention, transactions over a payment card network can be reviewed to determine if conditional consumption taxes, such as use taxes, apply while being normally processed.

US Patent:

20140058767, Feb 27, 2014

Filed:

Mar 15, 2013

Appl. No.:

13/836958

Inventors:

Justin Xavier Howe - Oakdale NY, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

G06Q 10/02

US Classification:

705 5

Abstract:

With the subject invention, a method is provided in which real-time information beyond point-of-sale is evaluated to determine a propensity score of a person realizing a reservation, in particular, whether the person shall be a no show or cancellation with respect to a reservation. The subject invention utilizes information obtained through a payment card network, which in the prior art has not been considered in evaluating no show or cancellation rates.

US Patent:

20180082459, Mar 22, 2018

Filed:

Nov 28, 2017

Appl. No.:

15/824810

Inventors:

- Purchase NY, US
Lavern Gilliard - Mount Vernon NY, US
Justin X. Howe - San Francisco CA, US

International Classification:

G06T 11/60
G06Q 50/16
G06Q 10/10

Abstract:

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.

US Patent:

20160321724, Nov 3, 2016

Filed:

Apr 29, 2015

Appl. No.:

14/699327

Inventors:

- Purchase NY, US
Justin X. Howe - Oakdale NY, US

International Classification:

G06Q 30/06
G06F 17/22
G06F 17/27

Abstract:

A method and a system are provided for detecting pricing driven by browser settings. A method and a system are also provided for identifying merchants that are using browser-driven or cookie-driven price setting mechanisms, and for helping shoppers obtain the lowest available price for a product or service. A computer system-implemented method includes utilizing a webcrawler program or other searching program to access one or more merchant web sites and recover pricing and/or other product or service information, identifying one or more browser settings that minimize price of a product or a service, accessing the one or more merchant websites with a computer device having the one or more browser settings that minimize price of the product or service, and purchasing the product or service at the minimized price. The computer system-implemented method can also utilize a central hub that connects multiple computer devices together.

US Patent:

20160198301, Jul 7, 2016

Filed:

Jan 7, 2015

Appl. No.:

14/591116

Inventors:

- Purchase NY, US
Justin Xavier Howe - Oakdale NY, US

International Classification:

H04W 4/02
G06Q 20/40
G06Q 20/32

Abstract:

Systems, methods, and computer program products are provided for determining on a web map whether a business exists at a given location. A specialized computing device receives a possible geographic location indicating where the business may be. Details regarding device-present transactions completed with the business are accessed. Recognition IDs identifying locations for each associated geolocation device and associated payment instrument holder identifications of customers are received. Based upon the details regarding the completed device-present transactions, and the recognition IDs, a determination is made whether the business exists at the given location. Also presented is a system, method, and computer program product for utilization of details of completed payment instrument transactions completed with a mobile business using a mobile payment receiving device to display a location of a mobile business on a web map associated with a web mapping service.

US Patent:

20160148406, May 26, 2016

Filed:

Nov 21, 2014

Appl. No.:

14/549997

Inventors:

- Purchase NY, US
Lavern Gilliard - Mount Vernon NY, US
Justin X. Howe - San Francisco CA, US

International Classification:

G06T 11/60
G06Q 50/16
G06Q 10/10

Abstract:

A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.