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公开(公告)号：US20190114645A1
公开(公告)日：2019-04-18
申请号：US15786956
申请日：2017-10-18
Applicant: MasterCard International Incorporated
Inventor： John Gaitanos , Alan Johnson
Abstract: A payment-enabled mobile device is employed to initiate a transaction at a payment terminal. The payment-enabled mobile device is in communication with the payment terminal via a first communication channel. An indication is received via the payment terminal that the transaction is declined. The indication is displayed on a display component of the payment terminal. A decline reason message is displayed on the payment-enabled mobile device. The decline reason message presents information received by the payment-enabled mobile device via a second communication channel that is different from the first communication channel.
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12.发明授权公开(公告)号：US10248945B2
公开(公告)日：2019-04-02
申请号：US15651226
申请日：2017-07-17
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Alan Johnson
Abstract: A design element is displayed on a display screen. The design element is modulated over time to encode data in the design element. The design element is presented by a merchant. A camera component of a mobile device is used to capture images over time of the design element. A payment application in the mobile device analyzes the captured images to obtain the encoded data. The payment application uses the encoded data to establish a communication channel with a merchant device operated by the merchant. As a result of communication over the communication channel, a purchase transaction is implemented, including transmission of payment credentials to the merchant from the payment application.
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13.发明申请公开(公告)号：US20180018655A1
公开(公告)日：2018-01-18
申请号：US15651226
申请日：2017-07-17
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Alan Johnson
CPC classification number: G06Q20/3221 , G06K2209/01 , G06Q20/027 , G06Q20/208 , G06Q20/3223 , G06Q20/3276 , G06Q30/0607
Abstract: A design element is displayed on a display screen. The design element is modulated over time to encode data in the design element. The design element is presented by a merchant. A camera component of a mobile device is used to capture images over time of the design element. A payment application in the mobile device analyzes the captured images to obtain the encoded data. The payment application uses the encoded data to establish a communication channel with a merchant device operated by the merchant. As a result of communication over the communication channel, a purchase transaction is implemented, including transmission of payment credentials to the merchant from the payment application.
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公开(公告)号：US20160350746A1
公开(公告)日：2016-12-01
申请号：US15150671
申请日：2016-05-10
Applicant: MasterCard International Incorporated
Inventor： Alan Johnson
CPC classification number: G06Q20/385 , H04L9/3213 , H04L9/3239 , H04L2209/56 , H04W4/80
Abstract: A consumer-friendly token number allocation method and system. In an embodiment, a token service provider (TSP) computer receives a tokenization request from a token requestor that includes a primary account number (PAN) of a cardholder. The TSP computer then allocates a token prefix number to a Token Number, sets the least significant four digits of the Token Number to the last four digits of the PAN, generates middle digits of the Token Number such that the complete Token Number satisfies a checksum, and stores the Token Number in association with the PAN. In an implementation, the TSP computer also transmits the Token Number to the cardholders' proximity payment device for use to conduct one or more purchase transactions.
Abstract translation: 一个消费者友好的令牌编号分配方法和系统。 在一个实施例中，令牌服务提供商（TSP）计算机从包含持卡人的主帐号（PAN）的令牌请求者接收标记化请求。 然后，TSP计算机向令牌号码分配令牌前缀号码，将令牌号码的最低有效四位数字设置为PAN的最后四位数字，生成令牌号码的中间数字，使得完整的令牌号码满足校验和， 并存储与PAN相关联的令牌编号。 在一个实现中，TSP计算机还将令牌号码发送到持卡人的接近支付设备，以用于进行一个或多个购买交易。
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15.发明申请公开(公告)号：US20160127011A1
公开(公告)日：2016-05-05
申请号：US14528883
申请日：2014-10-30
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Alan Johnson , Simon Collins
IPC: H04B5/00 , H04B1/3883 , H04W4/00
CPC classification number: H04B5/0037 , H02J7/0054 , H02J50/10 , H02J50/80 , H04B1/3883 , H04B5/0031 , H04B5/0093 , H04W4/80 , H04W88/06
Abstract: A mobile device includes a housing and an antenna. The mobile device further includes a power-receiving circuit, and power-transmitting circuit, and a short-range communications circuit. The antenna performs multiple functions in that it is shared by the power-receiving circuit, the power-transmitting circuit and the short-range communications circuit. Each of the three circuits is selectively connectable to the antenna. The mobile device is configured to participate in a mobile-to-mobile battery-charge-sharing operation via inductive coupling from mobile device to mobile device.
Abstract translation: 移动设备包括外壳和天线。 移动设备还包括电力接收电路和电力传输电路以及短距离通信电路。 该天线执行多个功能，即它由电力接收电路，电力传输电路和短距离通信电路共享。 三个电路中的每一个可选择性地连接到天线。 移动设备被配置为通过从移动设备到移动设备的电感耦合来参与移动电话到移动电池的电荷共享操作。
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Patent Agency Ranking
公开(公告)号：US11810017B2
公开(公告)日：2023-11-07
申请号：US15296527
申请日：2016-10-18
Applicant: MasterCard International Incorporated
Inventor： James John Anderson , Sandeep Malhotra , Amyn Mohamed Dhala , Alan Johnson
CPC classification number: G06Q20/102 , G06Q20/20 , G06Q20/385 , G06Q20/40 , G06Q40/02
Abstract: A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account number; receiving, at the first device, a transaction message including a data element having the token number and additional transaction data; determining, by the first device, compliance with the transaction controls based on the additional transaction data; transmitting the transaction message from the first to the second device; replacing, by the second device, the token number with the account number in the transaction message; and transmitting, by the second device, the transaction message to a financial institution associated with the account number.
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公开(公告)号：US20230164122A1
公开(公告)日：2023-05-25
申请号：US17802515
申请日：2021-02-17
Applicant: Mastercard International Incorporated
Inventor： Mehdi Collinge , Omar Laazimani , Alan Johnson
CPC classification number: H04L63/0428 , H04L9/0819
Abstract: Communication of information relating to an event is described, where the information is contained in a data field. Methods of communicating and obtaining the information are described, together with suitable apparatus for performing these methods. One or more elements of information relating to the event are obtained and used to determine a cryptographic record of the event. A first set of places in the data field are filled by a combination of some or all of each of the elements together with time information associated with the event. The cryptographic record is used to fill a second set of places in the data record. On reception of a message including the data field, the data field can be resolved into the first set of places and the second set of places. The time information associated with the event can then be determined and used to establish the whole or partial elements of information that were combined with the time information to fill the first set of places. Whole elements of information are then established from any partial elements. When these elements are all established, they can be used to calculate cryptographic record data which can be matched against the cryptographic record from the second set of places in the data field to determine that the elements of information are correct.
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公开(公告)号：US11562192B2
公开(公告)日：2023-01-24
申请号：US16420853
申请日：2019-05-23
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Simon Phillips , Alan Johnson , Mark Britten
IPC: G06Q30/02 , G06Q20/32 , H04W4/02 , G06K19/06 , H04W12/06 , G06K7/14 , G06Q20/20 , H04B1/3827 , H04N5/225 , G02C11/00 , G06K7/10
Abstract: A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.
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公开(公告)号：US20200372312A1
公开(公告)日：2020-11-26
申请号：US16420853
申请日：2019-05-23
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Simon Phillips , Alan Johnson , Mark Britten
Abstract: A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.
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公开(公告)号：US20200167766A1
公开(公告)日：2020-05-28
申请号：US16694536
申请日：2019-11-25
Applicant: Mastercard International Incorporated
Inventor： Ian David Alan Maddocks , Alan Johnson , David Anthony Roberts
Abstract: There is provided a computer-implemented method of authenticating an interaction carried out between a mobile device and a gateway, the method being carried out by an authentication system remote from the mobile device and the gateway. The method comprises the steps of: receiving one or more first data items from the gateway, the one or more first data items including dynamic data corresponding to one or more second data items uniquely identifying the interaction, wherein one of the second data items corresponds to a portion of a counter value associated with the interaction; and extracting the counter value portion from the dynamic data. The method further comprises calculating one or more candidate counter values which could correspond to the counter value associated with the interaction; generating, for each of the one or more candidate counter values, a piece of corresponding candidate dynamic data based on one or more of the other first data items; and comparing each of the candidate dynamic data to the received dynamic data to ascertain whether a match is obtained.
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