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21.发明授权公开(公告)号：US11265164B2
公开(公告)日：2022-03-01
申请号：US16238886
申请日：2019-01-03
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Steven Charles Davis
IPC: H04L9/32 , G06F16/23 , G06F16/22 , G06F16/9535 , G06F16/2457 , G06Q20/38 , G06Q20/06 , G06Q20/10 , G06Q20/40 , H04L9/08 , H04L9/30 , H04L29/06
Abstract: Exemplary systems and methods for the addition of a block to a permissioned blockchain using efficient consensus are disclosed. The methods and systems may include receiving transaction messages having transaction values from consensus nodes and generating a Merkle root for the transaction messages using transaction references and a proposed block header having the Merkle root and a hash of the header of the most recently added block in a blockchain. The proposed block header may be hashed and transmitted with a proposal message having a digital signature to auditing nodes. A response message accepting the digital signature may be received and an accept message may be transmitted to the auditing nodes and a confirmation message may be transmitted to the consensus-nodes. A new block may be written to the blockchain having the transaction values from the transaction messages and a header including the proposed block header and digital signature.
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公开(公告)号：US10769629B2
公开(公告)日：2020-09-08
申请号：US16023497
申请日：2018-06-29
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Steven Charles Davis
Abstract: A method for managing fractional reserves of blockchain currency includes: storing, in a first central account, a fiat amount associated with a fiat currency; storing, in a second central account, a blockchain amount associated with a blockchain currency; storing a plurality of account profiles, each profile including a fiat currency amount, blockchain currency amount, account identifier, and address; receiving a transaction message associated with a payment transaction, the message being formatted based on one or more standards and including a plurality of data elements, including a data element reserved for private use including a specific address and a transaction amount; identifying a specific account profile that includes the specific address included in the data element in the received transaction message; and updating the blockchain currency amount included in the identified specific account profile based on the transaction amount included in the data element in the received transaction message.
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公开(公告)号：US10721078B2
公开(公告)日：2020-07-21
申请号：US16385349
申请日：2019-04-16
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Simon R. Dix , Steven Charles Davis
Abstract: A method for propagating configuration data using a blockchain includes: storing a blockchain comprised of a plurality of blocks, each being comprised of a block header having a timestamp and one or more configuration transactions; receiving one or more configuration data items; generating a new configuration transaction for each configuration data item; hashing a most recent block identified based on the timestamp included in the respective block header to generate a previous block hash value; hashing a combination of the new configuration transactions and/or data associated therewith to generate a current block hash value; generating a new block header, the new block header including a current timestamp, the previous block hash value, the current block hash value, and a digital signature; generating a new block comprised of the new block header and each new configuration transaction; and updating the blockchain by appending the new block.
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24.发明授权公开(公告)号：US10715331B2
公开(公告)日：2020-07-14
申请号：US15392108
申请日：2016-12-28
Applicant: Mastercard International Incorporated
Inventor： Steven Charles Davis
Abstract: The disclosure relates to posting auditable, immutable data to a blockchain. The method includes receiving a blockchain comprised of a plurality of blocks, each block having at least a block header and one or more transaction values, where each transaction value includes at least a transaction hash, and receiving a data file associated with a specific transaction hash included in a block in the blockchain, where the data file includes one or more variables. The method includes modifying at least one of the one or more variables included in the data file, generating a new hash value via application of one or more hashing algorithms to the modified data file, and generating a new transaction value based on at least the generated new hash value and the specific transaction hash. The method includes digitally signing the generated new transaction value, and electronically transmitting the signed new transaction value.
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25.发明授权公开(公告)号：US10396988B2
公开(公告)日：2019-08-27
申请号：US16127733
申请日：2018-09-11
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Steven Charles Davis
Abstract: A method for distributing multiple cryptographic keys used to access data includes: receiving a data signal superimposed with an access key request, wherein the access key request includes at least a number, n, greater than 1, of requested keys; generating n key pairs using a key pair generation algorithm, wherein each key pair includes a private key and a public key; deriving an access private key by applying the private key included in each of the n key pairs to a key derivation algorithm; generating an access public key corresponding to the derived access private key using the key pair generation algorithm; and electronically transmitting a data signal superimposed with a private key included in one of the n key pairs for each of the n key pairs.
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Patent Agency Ranking
26.发明授权公开(公告)号：US10097344B2
公开(公告)日：2018-10-09
申请号：US15211111
申请日：2016-07-15
Applicant: MasterCard International Incorporated
Inventor： Steven Charles Davis
Abstract: A method for generation of blocks for a partitioned blockchain includes: storing blocks comprising a partitioned blockchain, wherein each block includes a header and transaction entries; receiving transaction data entries for each of a plurality of subnets; generating a hash value of the header included in the most recently added block; generating a new block header, the new block header including the generated hash value, a timestamp, and a sequence of pairs including a pair for each of the plurality of subnets, each pair including a subnet identifier associated with the respective subnet and a merkle root of each of the transaction data entries received for the respective subnet; generating a new block, the new block including the generated new block header and the transaction data entries for each of the plurality of subnets; and transmitting the new block to a plurality of nodes associated with the partitioned blockchain.
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公开(公告)号：US11488433B2
公开(公告)日：2022-11-01
申请号：US15868515
申请日：2018-01-11
Applicant: Mastercard International Incorporated
Inventor： Steven Charles Davis
Abstract: A method for processing votes in a public blockchain includes: generating an election reference and candidate references; generating an asymmetric cryptographic key pair comprised of a master private key and master public key; generating a registration block for addition to a blockchain including the election reference, candidate references, and master public key; transmitting the registration block to nodes associated with the blockchain; receiving a plurality of voting messages, each including a vote and the election reference, where the vote includes a voter reference and at least one candidate reference; generating one or more voting blocks for addition to the blockchain including the received votes; and transmitting each generated voting block to nodes associated with the blockchain.
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公开(公告)号：US11373183B2
公开(公告)日：2022-06-28
申请号：US15148121
申请日：2016-05-06
Applicant: MasterCard International Incorporated
Inventor： Joan Lee Rohlfing , Steven Charles Davis
Abstract: A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.
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29.发明授权公开(公告)号：US11082204B2
公开(公告)日：2021-08-03
申请号：US16674516
申请日：2019-11-05
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Steven Charles Davis
Abstract: A method for generation of blocks for a partitioned blockchain includes: storing blocks comprising a partitioned blockchain, wherein each block includes a header and transaction entries; receiving transaction data entries for each of a plurality of subnets; generating a hash value of the header included in the most recently added block; generating a new block header, the new block header including the generated hash value, a timestamp, and a sequence of pairs including a pair for each of the plurality of subnets, each pair including a subnet identifier associated with the respective subnet and a merkle root of each of the transaction data entries received for the respective subnet; generating a new block, the new block including the generated new block header and the transaction data entries for each of the plurality of subnets; and transmitting the new block to a plurality of nodes associated with the partitioned blockchain.
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30.发明申请公开(公告)号：US20200304312A1
公开(公告)日：2020-09-24
申请号：US16946185
申请日：2020-06-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Steven Charles Davis
Abstract: A method for posting of auditable, immutable data to a blockchain includes: receiving a blockchain comprised of a plurality of blocks, each block being comprised of at least a block header and one or more transaction values, wherein each transaction value includes at least a transaction hash; receiving a data file associated with a specific transaction hash included in a block in the blockchain, wherein the data file includes one or more variables; modifying at least one of the one or more variables included in the data file; generating a new hash value via application of one or more hashing algorithms to the modified data file; generating a new transaction value based on at least the generated new hash value and the specific transaction hash; digitally signing the generated new transaction value; and electronically transmitting the signed new transaction value.
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