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    TRUSTED COMMUNICATION IN TRANSACTIONS
    3.
    发明申请
    TRUSTED COMMUNICATION IN TRANSACTIONS 审中-公开

    公开(公告)号：US20200167778A1

    公开(公告)日：2020-05-28

    申请号：US16670389

    申请日：2019-10-31

    Applicant: Mastercard International Incorporated

    Inventor： David Anthony Roberts ,  Duncan Garrett ,  John Beric ,  Michael Ward

    IPC: G06Q20/40 ,  H04L9/08 ,  H04L9/06 ,  H04L9/32

    Abstract: Trusted communication between a first computing device and a second computing device in a transaction process is established as follows. A communication channel is established between the first computing device and the second computing device. The first computing device provides a secure communication to the second computing device, this secure communication comprising cryptographic material encrypted by a first cryptographic method. The second computing device decrypts the secure communication using a key already available to it. The first and the second computing device then communicate where trusted communication is required by a second cryptographic method using the cryptographic material. A suitable first computing device and second computing device are also described.

    SECURITY AND AUTHENTICATION OF INTERACTION DATA
    4.
    发明申请
    SECURITY AND AUTHENTICATION OF INTERACTION DATA 审中-公开

    公开(公告)号：US20200167766A1

    公开(公告)日：2020-05-28

    申请号：US16694536

    申请日：2019-11-25

    Applicant: Mastercard International Incorporated

    Inventor： Ian David Alan Maddocks ,  Alan Johnson ,  David Anthony Roberts

    IPC: G06Q20/38 ,  H04W88/16 ,  H04L29/06 ,  G06Q20/32 ,  H04W12/06

    Abstract: There is provided a computer-implemented method of authenticating an interaction carried out between a mobile device and a gateway, the method being carried out by an authentication system remote from the mobile device and the gateway. The method comprises the steps of: receiving one or more first data items from the gateway, the one or more first data items including dynamic data corresponding to one or more second data items uniquely identifying the interaction, wherein one of the second data items corresponds to a portion of a counter value associated with the interaction; and extracting the counter value portion from the dynamic data. The method further comprises calculating one or more candidate counter values which could correspond to the counter value associated with the interaction; generating, for each of the one or more candidate counter values, a piece of corresponding candidate dynamic data based on one or more of the other first data items; and comparing each of the candidate dynamic data to the received dynamic data to ascertain whether a match is obtained.

    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions
    7.
    发明申请
    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions 有权

    公开(公告)号：US20210357922A1

    公开(公告)日：2021-11-18

    申请号：US17391667

    申请日：2021-08-02

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

    IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/04 ,  G06Q20/40

    Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

    TRANSACTION SYSTEM DATA MANAGEMENT
    8.
    发明申请
    TRANSACTION SYSTEM DATA MANAGEMENT 审中-公开

    公开(公告)号：US20200273038A1

    公开(公告)日：2020-08-27

    申请号：US16796569

    申请日：2020-02-20

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Jonathan James Main ,  David Anthony Roberts ,  Kuan Hua Chen ,  Patrick Mestre

    IPC: G06Q20/40 ,  G06Q20/34

    Abstract: A transaction takes place between a first device and a second device. There is an authorisation system associated with the first device and a transaction support system associated with the second device. The transaction support system and the authorisation system are connected by a transaction infrastructure. A communication path is provided between the second device and the transaction support system. The second device is adapted to take the following actions. It performs a transaction with the first device and receives and generates transaction data. It splits the transaction data into basic transaction data and enhanced transaction data. It provides the basic transaction data to the transaction support system over the communication path. It also provides the enhanced transaction data by a separate route to the authorisation system for reconciliation with the processed transaction provided by the transaction support system for use by the authorisation system in authorising the transaction.

    DATA PROCESSING APPARATUSES AND METHODS
    9.
    发明申请
    DATA PROCESSING APPARATUSES AND METHODS 审中-公开

    公开(公告)号：US20200250653A1

    公开(公告)日：2020-08-06

    申请号：US16751359

    申请日：2020-01-24

    Applicant: Mastercard International Incorporated

    Inventor： David Anthony Roberts ,  Joseph Pitcher

    IPC: G06Q20/34 ,  G06Q20/04 ,  G06Q20/32

    Abstract: A first data processing apparatus comprising: communication circuitry configured to transmit data to or receive data from a second data processing apparatus using electromagnetic induction when the first data processing apparatus is brought into proximity to the second data processing apparatus; a storage medium; and processing circuitry configured: to control the communication circuitry to transmit first data indicative of a user of the first data processing apparatus to the second data processing apparatus; to control the communication circuitry to transmit second data to or receive second data from the second data processing apparatus, the transmission or reception of the second data occurring in response to the completion of a predetermined data processing event; to control the communication circuitry to receive third data from the second data processing apparatus, the third data being received in response to the completion of the predetermined data processing event and being digitally signed by the second data processing apparatus, wherein the digital signature of the third data is generated using the first data and the third data; and to store the received third data in the storage medium.

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