公开(公告)号：US20200082395A1

公开(公告)日：2020-03-12

申请号：US16682357

申请日：2019-11-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mehdi COLLINGE ,  Susan THOMPSON ,  Patrik SMETS ,  David Anthony ROBERTS ,  Michael Christopher WARD

IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/40

Abstract: A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.

公开(公告)号：US20180041502A1

公开(公告)日：2018-02-08

申请号：US15782339

申请日：2017-10-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mehdi COLLINGE ,  Michael Christopher WARD ,  Sandra JANSEN

IPC: H04L29/06 ,  G06Q20/00

CPC classification number: H04L63/0853 ,  G06Q20/00 ,  H04L63/0414 ,  H04L63/083 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/123

Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.

公开(公告)号：US20240029062A1

公开(公告)日：2024-01-25

申请号：US18376861

申请日：2023-10-05

Applicant: Mastercard International Incorporated

Inventor： Mehdi COLLINGE ,  Susan THOMPSON ,  Patrik SMETS ,  David Anthony ROBERTS ,  Michael Christopher WARD

IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3823 ,  G06Q20/322 ,  G06Q20/385 ,  G06Q20/4012 ,  G06Q20/405

Abstract: A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.

公开(公告)号：US20190124077A1

公开(公告)日：2019-04-25

申请号：US16226831

申请日：2018-12-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mehdi Collinge ,  Michael Christopher WARD ,  Sandra JANSEN

IPC: H04L29/06 ,  G06Q20/00

CPC classification number: H04L63/0853 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/382 ,  H04L63/0414 ,  H04L63/083 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/123

Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.

公开(公告)号：US20170063848A1

公开(公告)日：2017-03-02

申请号：US14985664

申请日：2015-12-31

Applicant: MasterCard International Incorporated

Inventor： Mehdi COLLINGE ,  Michael Christopher WARD ,  Sandra JANSEN

IPC: H04L29/06

CPC classification number: H04L63/0853 ,  G06Q20/00 ,  H04L63/0414 ,  H04L63/083 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/123

Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.

Abstract translation: 一种用于增强对不同帐号长度的密码验证的方法包括：存储一个或多个主帐号和多个格式化模板，每个模板与帐号长度相关联; 接收指示特定主要帐号的选择; 识别特定格式化模板，其中相关联的帐号长度对应于特定主帐号的长度; 从销售点装置收到不可预测的数字; 至少基于不可预测的数量和一个或多个算法生成密码; 生成数据串，其中所述数据串至少包括所生成的密码，所述特定主帐号和所述不可预测的数字，并且其中所述数据串基于所识别的特定格式化模板被格式化; 并将生成的数据串电子传送到销售点装置。