公开(公告)号：US20190188715A1

公开(公告)日：2019-06-20

申请号：US15842629

申请日：2017-12-14

Applicant: Mastercard International Incorporated

Inventor： Mark B. Hey ,  Bheemeswara Ankathi

IPC: G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/4014 ,  G06Q20/34 ,  G06Q20/4016

Abstract: A system and computer-implemented method for processing CNP transactions using a 3DS protocol, and protecting against fraud by requiring and validating merchant (or acquirer) and card issuer operator IDs prior to authorization. Operator IDs may be obtained by completing a compliance test and enrolling in a compliance program. When an AREQ is received from a merchant (or acquirer), the presence and validity of the merchant's unique operator ID is checked. The AREQ may be sent to a corresponding card issuer depending on, e.g., whether the merchant's unique Operator ID is confirmed. When an ARES is received from the card issuer, the presence and validity of the card issuer's unique operator ID is checked. The ARES may be sent to the merchant depending on, e.g., whether the card issuer's unique Operator ID is confirmed.

公开(公告)号：US20210374747A1

公开(公告)日：2021-12-02

申请号：US17332563

申请日：2021-05-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Robert Albert Ederle ,  Mark B. Hey ,  Kris Lowell Donaldson ,  Gregory S. Kriebaum

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

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

公开(公告)号：US20240037554A1

公开(公告)日：2024-02-01

申请号：US18379920

申请日：2023-10-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Robert Albert Ederle ,  Mark B. Hey ,  Kris Lowell Donaldson ,  Gregory S. Kriebaum

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

CPC classification number: G06Q20/4012 ,  G06Q20/389 ,  G06Q20/065 ,  G06Q20/405

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request represents a transaction to a payment account and includes a transaction amount and an accountholder authentication value (AAV) indicative of a prior authentication associated with the transaction. The computing device is configured to determine whether the authorization request, the transaction amount and/or an interval associated with the authorization request satisfies a parameter. In response to the authorization request, the transaction amount and/or the interval associated with the authorization request failing to satisfy the parameter, the computing device is configured to append a tag indicative of the parameter to the authorization request and transmit the authorization request to an issuer of the payment account.

公开(公告)号：US11823187B2

公开(公告)日：2023-11-21

申请号：US17332563

申请日：2021-05-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Robert Albert Ederle ,  Mark B. Hey ,  Kris Lowell Donaldson ,  Gregory S. Kriebaum

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

CPC classification number: G06Q20/4012 ,  G06Q20/065 ,  G06Q20/389 ,  G06Q20/405

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

公开(公告)号：US20170357968A1

公开(公告)日：2017-12-14

申请号：US15179114

申请日：2016-06-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark B. Hey ,  Stephanie Dickinson ,  Paul Baker

IPC: G06Q20/40 ,  G06Q20/20

CPC classification number: G06Q20/40 ,  G06Q10/0639 ,  G06Q20/20

Abstract: Systems and methods for use in enabling performance review of certified authentication services for use with a payment network are disclosed. One exemplary method includes identifying at least one performance metric of an authentication service. The authentication service is implemented into a payment network and certified to the payment network. The exemplary method also includes measuring the at least one performance metric of the authentication service, electronically notifying a service provider associated with the authentication service when the at least one performance metric fails to satisfy a defined threshold, and transmitting to the service provider at least one remedial action for the authentication service and at least one consequence for failure to satisfy the remedial action, whereby the payment network is configured to monitor the certified authentication service after certification of the authentication service.