公开(公告)号：US20210144134A1

公开(公告)日：2021-05-13

申请号：US16680142

申请日：2019-11-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Marek Kurylko ,  Eugene Reda ,  Skyler Fox

IPC: H04L29/06

Abstract: Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.

公开(公告)号：US11349829B2

公开(公告)日：2022-05-31

申请号：US16680142

申请日：2019-11-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Marek Kurylko ,  Eugene Reda ,  Skyler Fox

IPC: H04L9/40

Abstract: Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.

公开(公告)号：US20210117965A1

公开(公告)日：2021-04-22

申请号：US17072540

申请日：2020-10-16

Applicant: Mastercard International Incorporated

Inventor： Claire Venot ,  Skyler Fox ,  Andres Mauricio Santamaria

IPC: G06Q20/38 ,  G06Q20/22 ,  G06Q20/36 ,  G06Q20/34

Abstract: Methods and systems for facilitating provisioning of consumer payment credentials to token requestors such as a digital wallet account or a merchant account are described. In an embodiment, a mobile device processor of a consumer mobile device running a token requestor application receives an indication of a selection by a consumer of an option to add a payment card to a merchant account, displays a list of issuer applications installed on the consumer mobile device that support pull provisioning on a display screen, and receives a selection of an issuer application and issuer application login information. The process also includes determining, by the mobile device processor, that the login information is correct, displaying a list of payment cards associated with the selected issuer application, receiving a selection of a payment card from the list of payment cards, and transmitting, while running the token requestor application, a push card message including payment card account credentials of the selected payment card to an issuer financial institution (FI) computer.

公开(公告)号：US12093944B2

公开(公告)日：2024-09-17

申请号：US17072540

申请日：2020-10-16

Applicant: Mastercard International Incorporated

Inventor： Claire Venot ,  Skyler Fox ,  Andres Mauricio Santamaria

IPC: G06Q20/38 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/36

CPC classification number: G06Q20/385 ,  G06Q20/227 ,  G06Q20/34 ,  G06Q20/36

Abstract: Methods and systems for facilitating provisioning of consumer payment credentials to token requestors such as a digital wallet account or a merchant account are described. In an embodiment, a mobile device processor of a consumer mobile device running a token requestor application receives an indication of a selection by a consumer of an option to add a payment card to a merchant account, displays a list of issuer applications installed on the consumer mobile device that support pull provisioning on a display screen, and receives a selection of an issuer application and issuer application login information. The process also includes determining, by the mobile device processor, that the login information is correct, displaying a list of payment cards associated with the selected issuer application, receiving a selection of a payment card from the list of payment cards, and transmitting, while running the token requestor application, a push card message including payment card account credentials of the selected payment card to an issuer financial institution (FI) computer.

公开(公告)号：US11416837B2

公开(公告)日：2022-08-16

申请号：US16696985

申请日：2019-11-26

Applicant: Mastercard International Incorporated

Inventor： Marek Kurylko ,  Eugene Reda ,  Skyler Fox

IPC: G06Q20/12 ,  H04L9/40 ,  G06Q20/10

Abstract: Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session. The method also includes using the minimum session expense ratio and the quantification to determine an on-demand streaming payment amount and utilizing the user designated payment type to determine a manner of routing the on-demand streaming payment amount to a payment processing entity that is configured to facilitate a payment transaction.

公开(公告)号：US20250094982A1

公开(公告)日：2025-03-20

申请号：US18961814

申请日：2024-11-27

Applicant: Mastercard International Incorporated

Inventor： Liam SPENCE ,  Skyler Fox ,  Joseph Hayes

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

Abstract: A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.

公开(公告)号：US12198133B2

公开(公告)日：2025-01-14

申请号：US17502198

申请日：2021-10-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Liam Spence ,  Skyler Fox ,  Joseph Hayes

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

Abstract: A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.

公开(公告)号：US20210158317A1

公开(公告)日：2021-05-27

申请号：US16696985

申请日：2019-11-26

Applicant: Mastercard International Incorporated

Inventor： Marek Kurylko ,  Eugene Reda ,  Skyler Fox

IPC: G06Q20/12 ,  H04L29/06 ,  G06Q20/10

Abstract: Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session. The method also includes using the minimum session expense ratio and the quantification to determine an on-demand streaming payment amount and utilizing the user designated payment type to determine a manner of routing the on-demand streaming payment amount to a payment processing entity that is configured to facilitate a payment transaction.