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    Inductive coupling for battery sharing and multi-function inductive antenna
    22.
    发明授权
    Inductive coupling for battery sharing and multi-function inductive antenna 有权
    用于电池共享和多功能感应天线的感应耦合

    公开(公告)号：US09407333B2

    公开(公告)日：2016-08-02

    申请号：US14528883

    申请日：2014-10-30

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips ,  Alan Johnson ,  Simon Collins

    IPC: H04B7/00 ,  H04B5/00 ,  H04B1/38 ,  H04W4/00 ,  H04B1/3883 ,  H04W88/06

    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。

    Systems and Methods Related to Registration for Services
    23.
    发明申请
    Systems and Methods Related to Registration for Services 审中-公开
    与服务注册相关的系统和方法

    公开(公告)号：US20150012427A1

    公开(公告)日：2015-01-08

    申请号：US14325845

    申请日：2014-07-08

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Simon Phillips ,  Alan Johnson

    IPC: G06Q20/10 ,  G06Q30/00

    CPC classification number: G06Q30/018 ,  G06Q20/351 ,  G06Q20/355 ,  G06Q20/363 ,  G06Q20/409

    Abstract: A method of associating a transaction device with a user profile on an activation computing device, the method comprising: receiving, from an issuing entity, information associated with a user profile, the user profile having been created by an issuing entity; generating, at the activation computing device, an activation code; sending the activation code to a transaction device associated with the user; receiving, from the transaction device, verification data, the verification data being associated with the activation code and the information associated with the user profile; validating, at the activation computing device, by comparing the received verification data with the generated activation code and the information associated with the user profile received from the issuing entity; and associating the transaction device with the user profile if the verification data is valid.

    Abstract translation: 一种将交易设备与激活计算设备上的用户简档相关联的方法，所述方法包括：从发布实体接收与用户简档相关联的信息，由发布实体创建的用户简档; 在激活计算设备处产生激活码; 将激活码发送到与用户相关联的交易设备; 从所述交易设备接收验证数据，所述验证数据与所述激活码相关联，以及与所述用户简档相关联的信息; 在所述激活计算设备处，通过将接收到的验证数据与所生成的激活码进行比较，以及与从所述发布实体接收的所述用户简档相关联的信息来验证; 以及如果所述验证数据有效，则将所述交易设备与所述用户简档相关联。

    RAPID SECURE WIRELESS TRANSACTION
    25.
    发明公开
    RAPID SECURE WIRELESS TRANSACTION 审中-公开

    公开(公告)号：US20240020694A1

    公开(公告)日：2024-01-18

    申请号：US18353517

    申请日：2023-07-17

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Cristian Radu ,  Alan Johnson

    IPC: G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/401 ,  G06Q20/3278

    Abstract: A method for carrying out a wireless transaction for authorization through a transaction processing system between a first computing device and a second computing device is described. The first computing device establishes a secure network connection with a third computing device. The first computing device initiates the wireless transaction with the second computing device. The first computing device provides information to perform a security protocol for the transaction to the third computing device over the secure connection. The performance of the security protocol includes determination of a secure result. The first computing device receives a dummy secure result from the third computing device, and performs the wireless transaction with the second computing device using the dummy secure result. The third computing device prepares a true secure result for the wireless transaction. The dummy secure result may be used to reconcile the wireless transaction with the true secure result.

    PARALLEL PROCESSING IN A NETWORK
    26.
    发明公开
    PARALLEL PROCESSING IN A NETWORK 审中-公开

    公开(公告)号：US20230230083A1

    公开(公告)日：2023-07-20

    申请号：US17580088

    申请日：2022-01-20

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Ian David Alan Maddocks ,  Alan Johnson

    IPC: G06Q20/40 ,  G06Q20/02 ,  G06Q20/10

    CPC classification number: G06Q20/401 ,  G06Q20/403 ,  G06Q20/027 ,  G06Q20/10

    Abstract: A network management system includes: a memory configured to store instructions; and a parallel processor configured to execute the instructions to: (a) receive a request for a transaction; (b) determine a first authorization decision for the request; (c) determine a second authorization decision for the request; and (d) perform a first procedure when the first authorization decision is different from the second authorization decision. The request corresponds to use of electronic payment for the transaction and wherein the first authorization decision is generated in parallel with generation of the second authorization decision.

    Device-based transaction authorization
    27.
    发明授权
    Device-based transaction authorization 有权

    公开(公告)号：US11386413B2

    公开(公告)日：2022-07-12

    申请号：US17060433

    申请日：2020-10-01

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Simon Phillips ,  Patrik Smets ,  Alan Johnson

    IPC: G06Q20/32 ,  G06Q20/40 ,  G06N20/00 ,  G06Q20/36

    Abstract: Pursuant to some embodiments, systems, methods and computer program code are provided for receiving a transaction request message, the transaction request message specifying transaction attributes for a proposed payment transaction involving a user of a mobile device and a merchant, comparing the transaction attributes with a permitted transaction rule, the permitted transaction rule having been stored in the mobile device prior to receiving the transaction request message, approving the proposed transaction upon determining that the transaction attributes satisfy the permitted transaction rule, the approving including generating a transaction cryptogram, and transmitting the transaction cryptogram to the merchant for use in completing the proposed payment transaction.

    DEVICE-BASED TRANSACTION AUTHORIZATION
    29.
    发明申请
    DEVICE-BASED TRANSACTION AUTHORIZATION 有权

    公开(公告)号：US20210097523A1

    公开(公告)日：2021-04-01

    申请号：US17060433

    申请日：2020-10-01

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Simon Phillips ,  Patrik Smets ,  Alan Johnson

    IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/36 ,  G06N20/00

    Abstract: Pursuant to some embodiments, systems, methods and computer program code are provided for receiving a transaction request message, the transaction request message specifying transaction attributes for a proposed payment transaction involving a user of a mobile device and a merchant, comparing the transaction attributes with a permitted transaction rule, the permitted transaction rule having been stored in the mobile device prior to receiving the transaction request message, approving the proposed transaction upon determining that the transaction attributes satisfy the permitted transaction rule, the approving including generating a transaction cryptogram, and transmitting the transaction cryptogram to the merchant for use in completing the proposed payment transaction.

    CRYPTOGRAPHIC AUTHENTICATION AND TOKENIZED TRANSACTIONS
    30.
    发明申请
    CRYPTOGRAPHIC AUTHENTICATION AND TOKENIZED TRANSACTIONS 审中-公开

    公开(公告)号：US20200302441A1

    公开(公告)日：2020-09-24

    申请号：US16325084

    申请日：2017-08-11

    Applicant: Mastercard International Incorporated

    Inventor： Mehdi Collinge ,  Alan Johnson

    IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/36 ,  H04L9/08

    Abstract: A cryptographic method of performing a tokenised transaction between a payment offering party and a payment accepting party is described. The tokenised transaction is mediated by a transaction scheme. The payment accepting party is provided with a merchant identity and a merchant certificate associated with that identity by the transaction scheme provider. The payment accepting party provides the merchant identity and transaction seed data to the payment offering party. The payment offering party validates the merchant identity and uses the merchant identity and the transaction seed data to generate a cryptogram for the tokenised transaction. The payment offering party provides the cryptogram to the payment accepting party for transmission to the transaction scheme provider for authorisation of the tokenised transaction. A suitable user computing device and merchant computing device for acting as payment offering party and payment accepting party respectively are also described.

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