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    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions
    11.
    发明申请
    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions 审中-公开

    公开(公告)号：US20190108515A1

    公开(公告)日：2019-04-11

    申请号：US15725893

    申请日：2017-10-05

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

    IPC: G06Q20/38 ,  G06Q20/40

    Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

    MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION
    15.
    发明申请
    MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION 有权
    基于移动安全元件的共享卡验证

    公开(公告)号：US20150206136A1

    公开(公告)日：2015-07-23

    申请号：US14162055

    申请日：2014-01-23

    Applicant: MasterCard International Incorporated

    Inventor： Ian David Alan Maddocks ,  Simon Phillips ,  Jonathan James Main

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

    CPC classification number: G06Q20/3672 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/4014 ,  G06Q20/40145

    Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

    Abstract translation: 在支付支付智能手机中，共享持卡人验证方法（CVM）小程序服务于多个移动支付卡。 共享的CVM小程序验证由智能手机的用户输入的CVM信息，并且响应发出CVM令牌。 CVM令牌被传递给为当前事务选择的特定的移动支付小卡。 所选择的移动支付卡片将CVM令牌提交给共享的CVM小应用程序进行验证。 在验证CVM令牌时，共享的CVM小应用程序使所选择的移动支付卡片可以执行当前的交易。

    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions
    17.
    发明申请
    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions 有权

    公开(公告)号：US20210357922A1

    公开(公告)日：2021-11-18

    申请号：US17391667

    申请日：2021-08-02

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

    IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/04 ,  G06Q20/40

    Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

    TRANSACTION SYSTEM DATA MANAGEMENT
    18.
    发明申请
    TRANSACTION SYSTEM DATA MANAGEMENT 审中-公开

    公开(公告)号：US20200273038A1

    公开(公告)日：2020-08-27

    申请号：US16796569

    申请日：2020-02-20

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Jonathan James Main ,  David Anthony Roberts ,  Kuan Hua Chen ,  Patrick Mestre

    IPC: G06Q20/40 ,  G06Q20/34

    Abstract: A transaction takes place between a first device and a second device. There is an authorisation system associated with the first device and a transaction support system associated with the second device. The transaction support system and the authorisation system are connected by a transaction infrastructure. A communication path is provided between the second device and the transaction support system. The second device is adapted to take the following actions. It performs a transaction with the first device and receives and generates transaction data. It splits the transaction data into basic transaction data and enhanced transaction data. It provides the basic transaction data to the transaction support system over the communication path. It also provides the enhanced transaction data by a separate route to the authorisation system for reconciliation with the processed transaction provided by the transaction support system for use by the authorisation system in authorising the transaction.

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