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    SPEEDING UP CHIP TRANSACTION AT THE POINT OF SALE
    13.
    发明申请
    SPEEDING UP CHIP TRANSACTION AT THE POINT OF SALE 审中-公开

    公开(公告)号：US20170308899A1

    公开(公告)日：2017-10-26

    申请号：US15386568

    申请日：2016-12-21

    Applicant: MasterCard International Incorporated

    Inventor： Patrik Smets ,  Tim Stuart ,  Chirodeep Aikat ,  David Kenneth Meadon ,  David Anthony Roberts

    IPC: G06Q20/40 ,  G06Q20/20

    Abstract: A payment transaction is performed at a POS (point of sale) device. The device includes a terminal component and a reader component. The reader component includes a contact interface for establishing a data signal path via conductive contact with an integrated circuit (IC) payment card. A payment transaction is initiated. The data signal path is established between the reader component and the IC payment card. The IC payment card is commanded to generate a cryptogram for verification by an issuer of the card. The cryptogram is received from the card. In response to receiving the cryptogram, a command is issued to disable contact reading operation by the reader component.

    TRANSACTION AUTHORISATIONS METHOD AND SYSTEM
    14.
    发明申请
    TRANSACTION AUTHORISATIONS METHOD AND SYSTEM 审中-公开
    交易授权方法和系统

    公开(公告)号：US20150227938A1

    公开(公告)日：2015-08-13

    申请号：US14610286

    申请日：2015-01-30

    Applicant: MasterCard International Incorporated

    Inventor： Patrik Smets ,  Pablo Fourez

    IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/20

    CPC classification number: G06Q20/40145 ,  G06F21/30 ,  G06F21/32 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/206 ,  G06Q20/3224 ,  G06Q20/327 ,  G06Q20/4012 ,  G06Q20/42

    Abstract: A method and associated system for performing a transaction using biometric input from a cardholder 20 to establish both the presence of the cardholder at a point of sale 10, cardholder identification, and the cardholder's informed consent to a particular transaction, cardholder consent. In some embodiments, a single, unusual biometric input, such as placing the little fingers of both hands on a fingerprint scanner 24a, is detected at the point of sale 10 to establish both cardholder identity and cardholder consent in a single, convenient action.

    Abstract translation: 一种用于使用来自持卡人20的生物统计学输入来执行交易的方法和相关系统，以在销售点10，持卡人识别和持卡人对特定交易的知情同意，持卡人同意之间建立持卡人的存在。 在一些实施例中，在销售点10处检测到单个不寻常的生物特征输入，例如将双手的小手指放置在指纹扫描器24a上，以在单一方便的动作中建立持卡人身份和持卡人的同意。

    Identity authentication and validation
    15.
    发明授权
    Identity authentication and validation 有权

    公开(公告)号：US11924347B2

    公开(公告)日：2024-03-05

    申请号：US18079765

    申请日：2022-12-12

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrik Smets ,  David Anthony Roberts

    IPC: H04L9/06 ,  G06Q20/38 ,  H04L9/32 ,  H04L9/40

    CPC classification number: H04L9/3213 ,  G06Q20/3821 ,  H04L9/0643 ,  H04L63/0876 ,  H04L2209/56

    Abstract: There is provided an authentication system for validating identity credentials of a user attempting to access a resource provided by a remote resource provision system. The authentication system includes an input configured to receive, from the resource provision system, an authentication request comprising a cryptographic representation of digital identity data of the user and an associated token identifier, where the digital identity data comprises at least one image of an identity credential of the user. The system also includes a processor configured to: determine a pre-stored cryptographic identifier corresponding to the token identifier; and compare the received cryptographic representation with the pre-stored cryptographic identifier. The system further includes an output configured to transmit, to the remote resource provision system and in response to determining a match between the received cryptographic representation and the pre-stored cryptographic identifier, an authentication confirmation indicating successful validation of the digital identity data.

    Method and system for conveyance of machine readable code data via payment network
    16.
    发明授权
    Method and system for conveyance of machine readable code data via payment network 有权

    公开(公告)号：US11468440B2

    公开(公告)日：2022-10-11

    申请号：US16879062

    申请日：2020-05-20

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Philip Wei Ping Yen ,  Patrik Smets ,  Michihiko Yoden

    IPC: G06Q20/36 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q20/40

    Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

    Method and system for conveyance of machine readable code data via payment network
    17.
    发明授权
    Method and system for conveyance of machine readable code data via payment network 有权

    公开(公告)号：US10692077B2

    公开(公告)日：2020-06-23

    申请号：US15793237

    申请日：2017-10-25

    Applicant: Mastercard International Incorporated

    Inventor： Philip Wei Ping Yen ,  Patrik Smets ,  Michihiko Yoden

    IPC: G06Q20/38 ,  G06Q20/36 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q20/40

    Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

    ELECTRONIC AUTHENTICATION SYSTEMS
    18.
    发明申请
    ELECTRONIC AUTHENTICATION SYSTEMS 审中-公开

    公开(公告)号：US20200090176A1

    公开(公告)日：2020-03-19

    申请号：US16692156

    申请日：2019-11-22

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrick Mestré ,  Patrik Smets

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/38 ,  H04L9/08 ,  H04L9/30 ,  H04L29/06

    Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

    Transaction identification and recognition
    20.
    发明授权
    Transaction identification and recognition 有权

    公开(公告)号：US10262378B2

    公开(公告)日：2019-04-16

    申请号：US14683549

    申请日：2015-04-10

    Applicant: MasterCard International Incorporated

    Inventor： David A. Roberts ,  Patrik Smets ,  Patrick Mestré ,  Ian Maddocks

    IPC: G06Q40/00 ,  G06Q20/12 ,  G06Q20/34

    Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt. This approach is particularly effective for use in providing receipts for contactless card transactions. A terminal, a mobile computing device, a receipt service and a transaction processing system are also described.

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