公开(公告)号：US12175450B2

公开(公告)日：2024-12-24

申请号：US18196646

申请日：2023-05-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Charles Sangwon Lee ,  Charl Frederik Botes ,  Gabriel Beltramino ,  Danielle Jean Eininger

IPC: G06Q20/32 ,  G06K7/10 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/38

Abstract: An ultra-wideband (UWB)-enabled payment acceptance system can include a UWB anchor and a terminal device. The UWB anchor identifies UWB-enabled devices within a vicinity; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device. The terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel. A UWB-enabled device includes a processor, storage, a battery, and a UWB chip. Instructions can be stored in the storage of the UWB-enabled device that when executed by the processor direct the UWB-enabled device to perform various processes supporting frictionless transactions, such as with respect to the UWB-enabled payment acceptance system.

公开(公告)号：US11687913B2

公开(公告)日：2023-06-27

申请号：US17220415

申请日：2021-04-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Charles Sangwon Lee ,  Charl Frederik Botes ,  Gabriel Beltramino ,  Danielle Jean Eininger

IPC: G06Q20/32 ,  G06Q20/36 ,  G06K7/10 ,  G06Q20/20 ,  G06Q20/38

CPC classification number: G06Q20/3278 ,  G06K7/10306 ,  G06Q20/20 ,  G06Q20/3674 ,  G06Q20/3825

Abstract: An ultra-wideband (UWB)-enabled payment acceptance system can include a UWB anchor and a terminal device. The UWB anchor identifies UWB-enabled devices within a vicinity; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device. The terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel. A UWB-enabled device includes a processor, storage, a battery, and a UWB chip. Instructions can be stored in the storage of the UWB-enabled device that when executed by the processor direct the UWB-enabled device to perform various processes supporting frictionless transactions, such as with respect to the UWB-enabled payment acceptance system.

公开(公告)号：US12125024B2

公开(公告)日：2024-10-22

申请号：US16911004

申请日：2020-06-24

Applicant: Mastercard International Incorporated

Inventor： Gabriel Beltramino ,  Piyush Maurya ,  Maurice David Liscia ,  Charl Frederik Botes

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/42

CPC classification number: G06Q20/3672 ,  G06Q20/3227 ,  G06Q20/363 ,  G06Q20/425

Abstract: Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

公开(公告)号：US20170032370A1

公开(公告)日：2017-02-02

申请号：US14810077

申请日：2015-07-27

Applicant: MasterCard International Incorporated

Inventor： Gabriel Beltramino ,  Axel Cateland ,  Maurice David Liscia

IPC: G06Q20/40 ,  G06Q20/36 ,  G06Q20/38

CPC classification number: G06Q20/405 ,  G06Q20/20 ,  G06Q20/3227 ,  G06Q20/3274 ,  G06Q20/36 ,  G06Q20/38215 ,  G06Q20/3829 ,  G06Q20/4012 ,  G06Q20/40145

Abstract: Processes and systems for facilitating purchase transactions with a mobile device. In an embodiment, a mobile device processor receives an indication to conduct a purchase transaction, initializes a secure mobile wallet application and receives a selection of a payment account. The mobile device processor then retrieves a pre-loaded wallet single use key (W_SUK) from a secure storage component, derives a wallet session key (W_SK) utilizing the W_SUK, encrypts transaction data using the W_SK, generates a machine readable code utilizing the encrypted transaction data, and displays the machine readable code on a display screen for reading by a merchant scanner to continue the processing of the purchase transaction.

Abstract translation: 用于促进与移动设备的购买交易的过程和系统。 在一个实施例中，移动设备处理器接收进行购买交易的指示，初始化安全移动钱包应用并接收支付账户的选择。 然后，移动设备处理器从安全存储组件检索预加载的钱包一次性密钥（W_SUK），利用W_SUK导出钱包会话密钥（W_SK），使用W_SK加密事务数据，利用加密的 交易数据，并且在显示屏幕上显示机器可读代码，供商家扫描器阅读以继续处理购买交易。