Justin X 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:

20220318809, Oct 6, 2022

Filed:

Jun 15, 2022

Appl. No.:

17/841305

Inventors:

- New York NY, US
Justin X. Howe - San Francisco CA, US

International Classification:

G06Q 20/40
G06Q 30/00
G06Q 20/32

Abstract:

Systems and methods are provided for authenticating a product over a payment network. A product identifier associated with a product to be authenticated may be included or appended to a conventional authorization request message or clearing message during processing of a payment transaction. The product identifier can be verified at a verification entity to determine whether the product is real or counterfeit. Authorization or settlement of the payment transaction can be approved/processed if the product is determined to be real. Authorization or settlement of the payment transaction can be declined/withheld if the product is determined to be counterfeit.

US Patent:

20210357933, Nov 18, 2021

Filed:

May 13, 2020

Appl. No.:

15/931300

Inventors:

- San Francisco CA, US
Justin Howe - Foster City CA, US

International Classification:

G06Q 20/40
G06Q 20/38
H04L 29/06

Abstract:

A method is disclosed. The method includes transmitting a verification request message comprising one or more personal data elements associated with a user and a target account identifier to an authorizing entity computer. The method includes receiving a verification response message comprising a verification result from the authorizing entity computer. Lastly, the method includes transmitting a credit transaction message comprising a source account identifier and an amount to the authorizing entity computer, which credits an account of the user with the amount

US Patent:

20200364729, Nov 19, 2020

Filed:

Aug 3, 2020

Appl. No.:

16/983603

Inventors:

- Purchase NY, US
Justin X. Howe - San Francisco CA, US

International Classification:

G06Q 30/02
G06Q 20/12
G06Q 20/40
G06Q 20/32

Abstract:

A device profiling computer system for determining and analyzing characteristics of devices used in payment transactions includes a processor, a device profiling database in communication with the processor, and a memory coupled to the processor. The device profiling computer system is configured to receive a set of first transaction data associated with a first transaction initiated by a cardholder at an online merchant wherein the cardholder initiates the first transaction using a cardholder computing device and wherein the set of first transaction data includes a set of first device characteristic data related to the cardholder computing device, analyze the set of first transaction data to determine a set of device characteristics, and update a device record stored in a device profiling database with the set of first transaction data wherein the device record is associated with the set of device characteristics.

US Patent:

20200029218, Jan 23, 2020

Filed:

Mar 30, 2017

Appl. No.:

16/485391

Inventors:

- San Francisco CA, US
Justin Howe - San Francisco CA, US

International Classification:

H04W 12/12
H04W 12/08
H04W 48/16

Abstract:

A methodology for processing authorization request messages based on proximate wireless networks is disclosed. In particular, a computer may receive, from an access device or a communication device, an authorization request message in a transaction. The computer may then obtain network data based on a set of wireless networks that are proximate to the access device or the communication device interacting with the access device during the transaction. Next, the computer may determine a difference between the network data and previous network data, wherein the previous network data is based on one or more previous sets of wireless networks that were proximate to the access device or the communication device during one or more previous transactions. Responsive to determining that the difference exceeds threshold, the computer may initiate one or more actions associated with the transaction.