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    Delivery of information services to personal devices
    51.
    发明授权
    Delivery of information services to personal devices 有权

    公开(公告)号：US11429940B2

    公开(公告)日：2022-08-30

    申请号：US16659279

    申请日：2019-10-21

    Applicant: Mastercard International Incorporated

    Inventor： Sebastien Pochic ,  Barry Alan Maidment ,  Mehdi Collinge ,  Fikret Ates

    IPC: G06Q20/10 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/08 ,  G07F7/10 ,  G07F7/12 ,  G06Q20/08 ,  G06K19/07 ,  G06Q20/32

    Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card. The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user.

    SYSTEMS AND METHODS FOR OPTIMIZED CIPHER-BASED MESSAGE AUTHENTICATION CODE PROCESSING
    52.
    发明申请
    SYSTEMS AND METHODS FOR OPTIMIZED CIPHER-BASED MESSAGE AUTHENTICATION CODE PROCESSING 审中-公开

    公开(公告)号：US20200167776A1

    公开(公告)日：2020-05-28

    申请号：US16683414

    申请日：2019-11-14

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Mehdi Collinge

    IPC: G06Q20/38 ,  G06Q20/40 ,  H04L9/32 ,  H04L9/06

    Abstract: According to some embodiments, systems, methods and computer program code are provided to generate a cipher-based message authentication code (“CMAC”) which may be used with cloud hardware security modules (“HSM”). Pursuant to some embodiments, a process for generating a CMAC includes preparing a first input set of data, issuing a first call to the HSM, the call including a key and the first input set of data, receiving an output of the first call, preparing a second input set of data, the second set including data from the output of the first call, issuing a second call to the HSM, the call including the key and the second input set of data, and receiving a cipher-based message authentication code.

    SYSTEMS AND METHODS FOR OPTIMIZED RETAIL MESSAGE AUTHENTICATION CODE PROCESSING
    53.
    发明申请
    SYSTEMS AND METHODS FOR OPTIMIZED RETAIL MESSAGE AUTHENTICATION CODE PROCESSING 审中-公开

    公开(公告)号：US20200167774A1

    公开(公告)日：2020-05-28

    申请号：US16683421

    申请日：2019-11-14

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Mehdi Collinge

    IPC: G06Q20/38 ,  H04L9/32 ,  H04L9/06

    Abstract: According to some embodiments, systems, methods and computer program code are provided to generate a retail message authentication code (MAC) which includes loading a first key, loading a second key, issuing a first call to a cloud hardware security module (HSM) to invoke a DES3 encryption operation, the call including the first key and a first input set of data, receiving an output of the first call, issuing a second call to a cloud HSM to invoke a DES3 encryption operation, the call including the second key and a second input set of data, the second input set of data including data associated with the output of the first call, receiving the generated retail MAC.

    Method and system for enhanced validation of cryptograms in cloud-based systems
    54.
    发明授权
    Method and system for enhanced validation of cryptograms in cloud-based systems 有权

    公开(公告)号：US10476871B2

    公开(公告)日：2019-11-12

    申请号：US16226831

    申请日：2018-12-20

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Mehdi Collinge ,  Michael Christopher Ward ,  Sandra Jansen

    IPC: H04L29/06 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38

    Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.

    METHOD AND SYSTEM FOR GENERATING CRYPTOGRAMS FOR VALIDATION IN A WEBSERVICE ENVIRONMENT
    55.
    发明申请
    METHOD AND SYSTEM FOR GENERATING CRYPTOGRAMS FOR VALIDATION IN A WEBSERVICE ENVIRONMENT 审中-公开

    公开(公告)号：US20190213588A1

    公开(公告)日：2019-07-11

    申请号：US16299342

    申请日：2019-03-12

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Mehdi Collinge ,  Patrik Smets

    IPC: G06Q20/38 ,  H04L29/06 ,  G06Q20/00

    CPC classification number: G06Q20/3829 ,  G06Q20/00 ,  G06Q20/382 ,  G06Q20/3823 ,  H04L63/062 ,  H04L63/083 ,  H04L2463/061

    Abstract: A method for generating cryptograms in a webservice environment includes: receiving, in a first environment of a computing system, a credential request transmitted by an external computing device using a secure communication protocol, the credential request including a transaction identifier and account identifier; transmitting, by the first environment, a data request to a second environment of the computing system, the data request including the account identifier; receiving, by the first environment, an account profile and session key from the second environment; transmitting, by the first environment, a cryptogram request to a third environment of the computing system, the cryptogram request including the account profile and session key; receiving, by the first environment, a cryptogram from the third environment generated using the account profile and session key; and transmitting, by the first environment, the cryptogram and transaction identifier to the external computing device via the secure communication protocol.

    SYSTEM AND METHOD FOR END-TO-END KEY MANAGEMENT
    58.
    发明申请
    SYSTEM AND METHOD FOR END-TO-END KEY MANAGEMENT 审中-公开

    公开(公告)号：US20180025353A1

    公开(公告)日：2018-01-25

    申请号：US15218842

    申请日：2016-07-25

    Applicant: MasterCard International Incorporated

    Inventor： Mehdi Collinge ,  Mohamed Abou El Enin ,  Andrea Bacioccola ,  Michael Ward

    IPC: G06Q20/38 ,  G06Q20/32

    CPC classification number: G06Q20/3829 ,  G06F21/53 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/382 ,  G06Q2220/00

    Abstract: Provided are a system and method for managing encryption keys used by a payment application on a mobile device. The method includes executing a mobile payment application in a user domain of the mobile device, where the user domain is an operating environment in which applications are executed and accessed by a user, importing a plurality of encryption keys for use by the mobile payment application into a system domain of the mobile device, where the system domain is a more secure operating environment controlled by an operating system, encrypting payment information of the mobile payment application in the system domain using one or more of the imported keys while executing the mobile payment application in the user domain, and transmitting the encrypted payment information to a merchant.

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