公开(公告)号：US20220335396A1

公开(公告)日：2022-10-20

申请号：US17720438

申请日：2022-04-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Cherie Mok ,  Edward Neil Livingston ,  Eugene Reda ,  Anup Bisht ,  Michael K. McCarthy

IPC: G06Q20/16 ,  G06Q20/32 ,  G06Q20/12 ,  G06Q20/40

Abstract: Split integrator model methods and systems for conducting a consumer purchase transaction. In an embodiment, a payment system receives a checkout request message comprising checkout request data from a mobile device application running on a consumer mobile device of a consumer, identifies a payload recipient based on the checkout request data, and then transmits a transaction payload to the payload recipient that includes at least a merchant identifier, payment card account details and a purchase transaction amount. The process also includes the payment system receiving a transaction authorization request from the payload recipient, and then transmitting the transaction authorization request for purchase transaction authorization processing to an issuer financial institution (FI) computer.

公开(公告)号：US12216800B2

公开(公告)日：2025-02-04

申请号：US18079798

申请日：2022-12-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Tomasz Blachowicz ,  Harjender Singh ,  Edward Neil Livingston ,  Holger Kunkat ,  Ryan Watkins ,  Michael D. McCarthy ,  Maurice David Liscia

IPC: G06F21/62 ,  H04L9/40

Abstract: Systems and methods are provided for use in implementing a common domain to provide recognition of users. One example computer-implemented method includes receiving a recognition token associated with a profile and setting, via a browser accessing a common domain, a cookie in the browser where the cookie includes a recognition token. The method also includes, in response to a request for a service, via a user, through the browser accessing an entity domain associated with an entity, accessing the common domain and accessing, via the browser accessing the common domain, the cookie and submitting the cookie to a common domain server. The method further includes receiving, from the common domain server, a federated ID token associated with the recognition token for the service and retrieving, via the browser, the profile associated with the user based on the federated ID token.

公开(公告)号：US11900370B2

公开(公告)日：2024-02-13

申请号：US17140818

申请日：2021-01-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Edward Neil Livingston ,  Rory Macdonald ,  Robert Ouellette ,  Grace Lim ,  Fred M. Pacher

IPC: G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/388 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q2220/00

Abstract: A computer-implemented method for authenticating a user device via a device credential scoped to a common domain shared among a plurality of payment networks may be provided. The method may include receiving, by a server of a payment network, a first request redirected from a sub-domain assigned to the payment network to a domain name associated with the payment network, responsive to the first request, transmitting, to the user device, an authentication request comprising a challenge, a user identifier that identifies the user, and the common domain to which the device credential is scoped, receiving, from the user device, a response, accessing the device credential, the device credential having been stored by the payment network, validating the response based on the device credential, and causing, by the server, the user identifier and the device credential to be federated to the other ones of the plurality of payment networks based on the validating.

公开(公告)号：US20230222246A1

公开(公告)日：2023-07-13

申请号：US18079798

申请日：2022-12-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Tomasz Blachowicz ,  Harjender Singh ,  Edward Neil Livingston ,  Holger Kunkat ,  Ryan Watkins ,  Michael D. McCarthy ,  Maurice David Liscia

IPC: G06F21/62 ,  H04L9/40

CPC classification number: G06F21/6263 ,  H04L63/102

Abstract: Systems and methods are provided for use in implementing a common domain to provide recognition of users. One example computer-implemented method includes receiving a recognition token associated with a profile and setting, via a browser accessing a common domain, a cookie in the browser where the cookie includes a recognition token. The method also includes, in response to a request for a service, via a user, through the browser accessing an entity domain associated with an entity, accessing the common domain and accessing, via the browser accessing the common domain, the cookie and submitting the cookie to a common domain server. The method further includes receiving, from the common domain server, a federated ID token associated with the recognition token for the service and retrieving, via the browser, the profile associated with the user based on the federated ID token.

公开(公告)号：US11605065B2

公开(公告)日：2023-03-14

申请号：US16549858

申请日：2019-08-23

Applicant: Mastercard International Incorporated

Inventor： Michael D. McCarthy ,  Edward Neil Livingston ,  Sachin Ahuja ,  Holger Kunkat

IPC: G06Q20/20 ,  G06Q30/06 ,  G06Q30/0601

Abstract: Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.

公开(公告)号：US20200065789A1

公开(公告)日：2020-02-27

申请号：US16549858

申请日：2019-08-23

Applicant: Mastercard International Incorporated

Inventor： Michael D. McCarthy ,  Edward Neil Livingston ,  Sachin Ahuja ,  Holger Kunkat

IPC: G06Q20/20 ,  G06Q30/06

Abstract: Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.