Michael Y Zhao, 34San Mateo, CA

2013022, Aug 29, 2013

Feb 26, 2013

13/777945

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

MasterCard International Incorporated - Purchase NY

G06Q 20/38

705 44

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.

2019006, Feb 28, 2019

Aug 30, 2017

15/691400

- Purchase NY, US
Steven Klocinski - Riverside CT, US
Jeremy Pastore - Larchmont NY, US
Roopa A. Vaidya - Pleasantville NY, US
Michael L. Zhao - New York NY, US
Ramamohan Reddy Sangasani - White Plains NY, US

G06K 9/00
G06T 7/11

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.

2018006, Mar 8, 2018

Nov 14, 2017

15/812840

- Purchase NY, US
Michael Lester Zhao - New York NY, US

G06Q 20/40
G06Q 20/36

A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. The portable computer device includes a processor, a memory, and a camera. The method also includes storing, in the memory, the reference sample of the authorized cardholder and associated payment card information. The method further includes using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera. The method also includes comparing, by the processor, the transaction sample to the reference sample stored in the memory. The method further includes authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison.

2017037, Dec 28, 2017

Jun 23, 2016

15/190538

- Purchase NY, US
Melinda L. Rolfs - Pleasantville NY, US
Michael Lester Zhao - New York NY, US

G06Q 50/16
H04L 29/08

A vacancy identification (VI) computing device is provided. The VI computing device includes a processor in communication with a memory. The processor generates a storefront profile including a status indicator for a candidate storefront located at a commercial property, stores the storefront profile within the memory, and registers a user to receive notifications for the candidate storefront. The processor also receives transaction data associated with the candidate storefront for a predetermined period of time, determines that the candidate storefront is vacant based on the transaction data, updates the status indicator to indicate that the candidate storefront is vacant, and transmits a notification to the registered user advising the registered user that the candidate storefront is vacant.

2017010, Apr 13, 2017

Oct 13, 2015

14/881243

- Purchase NY, US
Arun Elangovan - Astoria NY, US
Michael Zhao - New York NY, US

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

G06Q 30/02

Systems and methods for providing consumers with mood-based advertisements and coupons according to diagnostic measurements are described. A mood of a consumer is determined utilizing diagnostic measurement(s) received through a consumer's portable device. An advertisement or coupon for a product affiliated with a mood correlative with the consumer's mood is selected and transmitted to the consumer's portable consumer device. The mood affiliated with the product of an advertisement or coupon may be based upon historic consumer purchasing.

2017006, Mar 2, 2017

Aug 31, 2016

15/252606

- Purchase NY, US
Michael McNAMARA - New York NY, US
Michael ZHAO - New York NY, US
Weizhen HUANG - Philadelphia PA, US

MasterCard International Incorporated - Purchase NY

G06Q 30/02
G06F 17/30

A method for the generation of demographic market sectors includes: storing transaction data entries, each related to a payment transaction and including a geographic location and transaction amount; receiving census data from governmental agencies, the census data including data related to merchant and geographic location correspondences; receiving demographic data from third party data sources, the data including at least age, gender, income, presence of children, and geographic location data for a plurality of individuals; identifying demographic market sectors based on the census and demographic data, wherein each sector includes a subset of individuals having common age, gender, income, presence of children, and geographic location and includes at least a predetermined number of individuals; and identifying market spending for each demographic market sector based on a combination of the merchant and geographic location correspondences and a subset of the plurality of transaction data entries located in the respective demographic market sector.

2016035, Dec 1, 2016

May 28, 2015

14/724116

- Purchase NY, US
Jeremy PASTORE - Brooklyn NY, US
Michael ZHAO - New York NY, US

MasterCard International Incorporated - Purchase NY

G06Q 40/00

A method for assisted declaration of goods at customs includes: storing, in a mobile communication device, algorithms associated with the calculation of a duty amount based on rules or regulations; receiving, by the mobile communication device, a plurality of transaction data entries, each entry being related to a payment transaction involving a consumer and including transaction data; identifying, in the mobile communication device, at least one transaction data entry involving the purchase of one or more declarable goods based on the rules or regulations; calculating, by the mobile communication device, a duty amount based on application of the rules or algorithms to the transaction data included in the identified at least one transaction data entry; and transmitting, by the mobile communication device, the calculated duty amount.

2016014, May 19, 2016

Nov 18, 2014

14/546634

- Purchase NY, US
Michael Zhao - New York NY, US
Arun Elangovan - Astoria NY, US

G06F 19/00
G06Q 30/02

A system and method is disclosed for the real-time active surveillance of disease. The system generates an outbreak detection model by analyzing the spending records of individuals who are known to be infected to identify purchases and purchase patterns that correlate to infection in the population with a disease. Based on the identified purchases, the system generates probabilistic identification criteria and merges the criteria to simulation models of infection spread by geography to generate a geospatial outbreak detection model. The system applies the generated model to spending records, in real time, to identify and monitor disease spread in the population. The system can also generate alerts if the likelihood that an individual is infected, or one or more individuals in a set or population is infected exceeds a threshold. Actions are taken at remote devices, such as mobile phones, computers and POS terminals in certain embodiments.