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    System and Method for Providing Transaction Report Data Using A User Device
    61.
    发明公开
    System and Method for Providing Transaction Report Data Using A User Device 审中-公开

    公开(公告)号：US20230237464A1

    公开(公告)日：2023-07-27

    申请号：US17580403

    申请日：2022-01-20

    Applicant: Mastercard International Incorporated

    Inventor： James Christian Noë ,  John Tierney ,  Simon Phillips ,  Ian David Alan Maddocks

    IPC: G06Q20/34 ,  G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/341 ,  G06Q20/401 ,  G06Q20/3276

    Abstract: Various implementations described herein may relate to a system and method for providing transaction report data using a user device. In one implementation, a method may include receiving, at a token service provider (TSP), tokenization request data from a user device associated with a user, where the tokenization request data includes payment card data associated with the user. The method may also include generating a digital token based on the tokenization request data. The method may further include transmitting the digital token to the user device. The method may additionally include receiving transaction report data from the user device, where the transaction report data corresponds to a failed payment transaction performed using the digital token, the user device, and a merchant system. The method may also include generating failure data based on the transaction report data, where the failure data comprises alert data, failure report data, or combinations thereof.

    Device-based transaction authorization
    62.
    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
    64.
    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.

    Dual/multiple pin payment account
    68.
    发明授权
    Dual/multiple pin payment account 有权

    公开(公告)号：US09852425B2

    公开(公告)日：2017-12-26

    申请号：US14196646

    申请日：2014-03-04

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips

    IPC: G06Q20/40

    CPC classification number: G06Q20/4012 ,  G06Q20/405

    Abstract: The present invention relates to a method of authorizing a transaction process, whereby a communication between a payment device and a payment processing network is established. Subsequently a transaction is initialized at the payment device, the input of a first User Identification Metric (UIM) is requested, the input of a second UIM is requested, the first and second UIMs are verified and the transaction process proceeds if both UIMs are verified.

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