公开(公告)号：US11790351B2

公开(公告)日：2023-10-17

申请号：US18080465

申请日：2022-12-13

Applicant: Mastercard International Incorporated

Inventor： Jeehoon Joshua Cho ,  Sowmya Reddy Lakka ,  Gerardo Cardone ,  Matthew James Miller ,  Maurice David Liscia

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/22 ,  G06Q20/40

CPC classification number: G06Q20/3674 ,  G06Q20/227 ,  G06Q20/229 ,  G06Q20/327 ,  G06Q20/3223 ,  G06Q20/3227 ,  G06Q20/3672 ,  G06Q20/405

Abstract: Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.

公开(公告)号：US20230113739A1

公开(公告)日：2023-04-13

申请号：US18080465

申请日：2022-12-13

Applicant: Mastercard International Incorporated

Inventor： Jeehoon Joshua Cho ,  Sowmya Reddy Lakka ,  Gerardo Cardone ,  Matthew James Miller ,  Maurice David Liscia

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/22 ,  G06Q20/40

Abstract: Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.

公开(公告)号：US20190188694A1

公开(公告)日：2019-06-20

申请号：US15845658

申请日：2017-12-18

Applicant: MasterCard International Incorporated

Inventor： Gautam Uppalapati ,  Smita Sebastian ,  Joshua Nathan Anderson ,  Sowmya Reddy Lakka

IPC: G06Q20/38 ,  G06Q20/12

CPC classification number: G06Q20/385 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q2220/00

Abstract: A merchant computer system receives a first token transmitted to the merchant computer system from a customer device. A request for a second token is transmitted from the merchant computer system to a payment processor computer. The request includes the first token. The merchant computer system receives the second token that it requested. The second token is different from the first token. The merchant computer system transmits a payment account system transaction request to the payment processor computer. The latter request includes the second token.

公开(公告)号：US20180276658A1

公开(公告)日：2018-09-27

申请号：US15936890

申请日：2018-03-27

Applicant: Mastercard International Incorporated

Inventor： Maurice David Liscia ,  Shawn Eric Hagmeier ,  Sowmya Reddy Lakka ,  Pablo Fourez ,  Gerardo Cardone

IPC: G06Q20/36 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q20/3674 ,  G06Q20/102 ,  G06Q20/3223 ,  G06Q20/3276 ,  G06Q20/382 ,  G06Q20/40

Abstract: Provided are systems and methods for extending QR and person-to-person based digital wallet payments to non-issuer digital wallets. In one example, the method may include receiving a send request to send payment from a sending account of a digital wallet to a receiving account, executing an authentication protocol between the mobile device and an issuer of the sending account, pulling the requested payment from the issuer of the sending account to the sponsor system, where the pulling shifts a liability of a chargeback to the issuer of the sending account, and pushing the requested payment from the sponsor system to an issuer of the receiving account. In addition, if the merchant is a QR merchant, a method may include accessing the PAN and merchant info from the QR code to process a pull/push transaction using non-issuer digital wallet credentials from contactless tap.