公开(公告)号：US09704156B2

公开(公告)日：2017-07-11

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: G06K5/00 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/32

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.

公开(公告)号：US20140101036A1

公开(公告)日：2014-04-10

申请号：US14050974

申请日：2013-10-10

Applicant: MasterCard International Incorporated

Inventor： Simon Phillips ,  Mehdi Collinge ,  Jonathan James Main

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

CPC classification number: G06Q20/322 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/3227 ,  G06Q20/3229 ,  G06Q20/3276 ,  G06Q20/38 ,  G06Q20/4012 ,  G06Q20/425

Abstract: Systems, methods, apparatus and computer program code are provided for operating a mobile device to conduct a transaction which include obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant, extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by the payment gateway identifier, receiving, from the payment gateway, item data associated with the transaction, the item data obtained by the payment gateway from the merchant, and receiving, from a user operating the mobile device, a confirmation to complete the transaction using a payment account associated with the user and transmitting the confirmation to the payment gateway with payment account credentials associated with the payment account.

Abstract translation: 提供了系统，方法，装置和计算机程序代码，用于操作移动设备进行交易，其包括由操作移动支付应用的移动设备从商家获取交易有效载荷，从交易有效载荷中提取支付网关标识符 以及与所述支付网关标识符识别的支付网关建立安全通信信道，从所述支付网关接收与所述交易相关联的项目数据，由所述支付网关从所述商家获得的所述项目数据，以及从用户操作 所述移动设备使用与所述用户相关联的支付账户来完成所述交易的确认，并且使用与所述支付账户相关联的支付帐户凭证将所述确认发送到所述支付网关。