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    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions
    2.
    发明申请
    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions 有权

    公开(公告)号：US20210357922A1

    公开(公告)日：2021-11-18

    申请号：US17391667

    申请日：2021-08-02

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

    IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/04 ,  G06Q20/40

    Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

    FUNDS TRANSFER SERVICE METHODS AND SYSTEMS FOR FACILITATING FUNDS TRANSFERS
    5.
    发明公开
    FUNDS TRANSFER SERVICE METHODS AND SYSTEMS FOR FACILITATING FUNDS TRANSFERS 审中-公开

    公开(公告)号：US20230196314A1

    公开(公告)日：2023-06-22

    申请号：US18080020

    申请日：2022-12-13

    Applicant: Mastercard International Incorporated

    Inventor： Sowmya Reddy Lakka

    IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/10 ,  G06Q20/4014 ,  G06Q20/3821 ,  G06Q2220/00

    Abstract: A payments transfer service method for facilitating a funds transfer between a sender and a recipient. In an embodiment, a payment processing network receives a funding transaction request message comprising a transaction amount and a Pre-Payment Transaction (Pre-PT) message from an originating institution (OI) computer, determines an issuer financial institution (FI) that issued a payment account to the sender and transmits the funding request message and the Pre-PT message to an issuer FI computer of the issuer FI. The method also includes the payment processing network receiving a funding authorization message from the issuer FI computer, transmitting the funding authorization message to the OI computer, receiving a payment transaction request from one of the OI computer and a transaction initiator computer, and transmitting the funding authorization message to the RI computer.

    Systems and methods for use in authenticating users in connection with network transactions
    6.
    发明授权
    Systems and methods for use in authenticating users in connection with network transactions 有权

    公开(公告)号：US11080697B2

    公开(公告)日：2021-08-03

    申请号：US15725893

    申请日：2017-10-05

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

    IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/12 ,  G06Q20/04

    Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

    Digital wallet for the provisioning and management of tokens
    8.
    发明授权
    Digital wallet for the provisioning and management of tokens 有权

    公开(公告)号：US11544703B2

    公开(公告)日：2023-01-03

    申请号：US15928605

    申请日：2018-03-22

    Applicant: Mastercard International Incorporated

    Inventor： Jeehoon Joshua Cho ,  Sowmya Reddy Lakka ,  Gerardo Cardone ,  Matthew James Miller ,  Maurice David Liscia

    IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/22 ,  G06Q20/40

    Abstract: Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. The process also includes displaying a list of payment card accounts associated with the selected wallet application for association with the companion application, receiving a selection of at least one payment card account, transmitting payment account credentials of the selected payment account to a wallet server computer, receiving a companion token representing a digitization of the selected payment card account from the wallet server computer, and associating the companion token with the companion application.

    SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK TRANSACTIONS
    9.
    发明申请
    SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK TRANSACTIONS 有权

    公开(公告)号：US20220012738A1

    公开(公告)日：2022-01-13

    申请号：US17373027

    申请日：2021-07-12

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka

    IPC: G06Q20/40 ,  G06Q20/10

    Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving a request from a transaction originator for a transaction between a sending party and a receiving party directing funds from an account of the sending party to an account of the receiving party, and transmitting the request to an interface processor, via a message gateway, thereby enabling the interface processor to transmit an authorization request for the transaction to a banking institution associated with the sending party's account via a payment network. The method also includes determining a status of the transaction from authorization data received from the payment network, but not received from the message gateway, and providing the status to the transaction originator, thereby bypassing the message gateway and limiting an unknown status for the transaction being provided to the transaction originator in case of a disruption in communication from the message gateway.

    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions
    10.
    发明申请
    Systems and Methods for Use in Authenticating Users in Connection With Network Transactions 审中-公开

    公开(公告)号：US20190108515A1

    公开(公告)日：2019-04-11

    申请号：US15725893

    申请日：2017-10-05

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sowmya Reddy Lakka ,  Brian Piel ,  Vincenzo Palomba ,  Jonathan James Main ,  David Anthony Roberts

    IPC: G06Q20/38 ,  G06Q20/40

    Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

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