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公开(公告)号：US11646895B2
公开(公告)日：2023-05-09
申请号：US16889374
申请日：2020-06-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Bryn Anthony Robinson-Morgan
CPC classification number: H04L9/3247 , G06F21/44 , G06F21/57 , H04L9/3215 , H04L63/0815 , H04L63/0861
Abstract: Systems and methods are provided for provisioning identity credentials based on interactions with verifying or trusted users. One exemplary computer-implemented method includes receiving a request for a digital identity from a user, where the request includes identifying information for the user and a verified user identifier, and transmitting, to a verified user associated with the verified user identifier, an attestation request for the user. The method also includes receiving, from the verified user, an attestation in response to the attestation request with regard to at least some of the identifying information for the user, generating a digital identity for the user based on a number of attestations of the identifying information for the user, and sharing a digital identity notice with the user including an identifier for the user, whereby the user is permitted to share the digital identity with a relying party via the identifier.
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公开(公告)号：US20230077960A1
公开(公告)日：2023-03-16
申请号：US17899497
申请日：2022-08-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Bryn Anthony Robinson-Morgan , Liang Tian , Prashant Sharma , John O'Neill
Abstract: Systems and methods are provided for generating audit log entries for data packet transactions. One example computer-implemented method includes, in response to a request to share data about a user with a first party, retrieving data identified in the request and generating a transaction ID for the request where the transaction ID is unique to the request to share the data. The method also includes compiling a data packet including at least the transaction ID and the identified data, and generating a signature value for the data packet. The method then further includes transmitting, by the computing device, the data packet to the first party as a transaction and appending an entry to an audit log, which includes the transaction ID and the signature value, but not the identified data.
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公开(公告)号：US20230064932A1
公开(公告)日：2023-03-02
申请号：US17899488
申请日：2022-08-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Bryn Anthony Robinson-Morgan , Liang Tian , Prashant Sharma
IPC: G06F16/176 , H04L9/40
Abstract: Systems and methods are provided for extending data files beyond sources of the data files. One example computer-implemented method includes receiving, from a mobile device of a user, selection of an option to extend a data file compiled at a source party, where the option includes a unique identifier for the user and a source identifier, and soliciting, from the mobile device, an image of the user. The method also includes receiving a captured image of the user from the mobile device and retrieving, based on the unique identifier and the source identifier, the data file from the source party. The method then includes, when the captured image matches the data file, storing the data file as a reusable data file, whereby the data file is available to be provided to one or more relying parties, different than the source party, upon consent from the user.
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公开(公告)号：US11373186B2
公开(公告)日：2022-06-28
申请号：US16705618
申请日：2019-12-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Rajat Maheshwari
Abstract: Systems and methods are provided for use in provisioning accounts to applications included in mobile devices. One exemplary method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.
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公开(公告)号：US20210377043A1
公开(公告)日：2021-12-02
申请号：US16889374
申请日：2020-06-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Bryn Anthony Robinson-Morgan
Abstract: Systems and methods are provided for provisioning identity credentials based on interactions with verifying or trusted users. One exemplary computer-implemented method includes receiving a request for a digital identity from a user, where the request includes identifying information for the user and a verified user identifier, and transmitting, to a verified user associated with the verified user identifier, an attestation request for the user. The method also includes receiving, from the verified user, an attestation in response to the attestation request with regard to at least some of the identifying information for the user, generating a digital identity for the user based on a number of attestations of the identifying information for the user, and sharing a digital identity notice with the user including an identifier for the user, whereby the user is permitted to share the digital identity with a relying party via the identifier.
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Patent Agency Ranking
公开(公告)号：US20200184482A1
公开(公告)日：2020-06-11
申请号：US16705618
申请日：2019-12-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Rajat Maheshwari
Abstract: Systems and methods are provided for use in provisioning accounts to applications included in mobile devices. One exemplary method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.
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公开(公告)号：US20190188747A1
公开(公告)日：2019-06-20
申请号：US15847511
申请日：2017-12-19
Applicant: MasterCard International Incorporated
Inventor： Prashant Sharma , Rajat Maheshwari , Manash Bhattacharjee
CPC classification number: G06Q30/0226 , G06Q20/227 , G06Q20/401
Abstract: A method includes receiving a transaction authorization request message in a payment account system. A relevant database entry is accessed to determine whether another payment account belonging to the account holder should be inserted into the transaction authorization request message in place of the payment account originally submitted for use in the transaction. The purpose may be to maximize loyalty reward points or otherwise to gain a benefit available by using the other payment account rather than the originally submitted payment account.
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公开(公告)号：US20190172042A1
公开(公告)日：2019-06-06
申请号：US16267173
申请日：2019-02-04
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Joshua Joseph Baron , Deepankar Bhagat
Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device including at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method includes receiving a selection message from the buyer computing device indicating a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method includes reserving at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.
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公开(公告)号：US20190108520A1
公开(公告)日：2019-04-11
申请号：US16148110
申请日：2018-10-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Joseph Zeltzer , Anthony Hayes , Prashant Sharma , Saurabh Mehta
Abstract: Systems and methods are provided for facilitating payment, at a courier terminal of a courier, on delivery of products offered by multiple different merchants. One exemplary method includes receiving, by a computing device, an order record from a merchant identifying a product ordered by a consumer and including a merchant ID for the merchant. The computing device then retrieves, from a data structure, a payment gateway address associated with the merchant ID and modifies the order record to include the payment gateway address. The payment gateway address is for a payment gateway associated with the merchant. The computing device then transmits the modified order record to the courier, thereby permitting the payment gateway address to be imposed on the courier terminal such that a payment account transaction initiated at the courier terminal for payment on delivery of the product is directed to an account specific to the merchant.
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公开(公告)号：US20180225656A1
公开(公告)日：2018-08-09
申请号：US15424226
申请日：2017-02-03
Applicant: MasterCard International Incorporated
Inventor： Saurav Ray , Manohar Murali , Prashant Sharma , Manash Bhattacharjee
CPC classification number: G06Q20/36 , G06Q20/3227 , G06Q20/3276 , G06Q20/363 , G06Q40/02 , G06Q40/025
Abstract: A method of transmitting data from a digital wallet on a user device to a designated server for use by a transaction card application process on the designated server. The method includes receiving code data generated by scanning a code image using the digital wallet on the user device, the code image being associated with a transaction card offer. The code image includes encoded data relating to the transaction card, including an identity of the designated server. The method further includes displaying information relating to the transaction card application process on the user device, the displayed information being generated based at least in part on the code data. The method further includes transmitting, to the designated server, user data for use in the transaction card application process at least a portion of the user data being securely stored by the digital wallet.
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