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1.发明申请公开(公告)号：US20180182027A1
公开(公告)日：2018-06-28
申请号：US15905580
申请日：2018-02-26
Applicant: MasterCard International Incorporated
Inventor： Aaron Baker , Colin Tanner
CPC classification number: G06Q40/00 , G06Q20/105 , G06Q20/36 , G06Q20/367 , G06Q20/3676 , G07F7/127
Abstract: A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.
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公开(公告)号：US09978054B2
公开(公告)日：2018-05-22
申请号：US14464428
申请日：2014-08-20
Applicant: MasterCard International Incorporated
Inventor： Ian Maddocks , David A. Roberts , Colin Tanner
CPC classification number: G06Q20/3224 , G06Q20/20 , G06Q20/204 , G06Q20/3278 , G06Q20/38
Abstract: A method may include requesting payment infrastructure data from a payment device reader. The method may further includes receiving payment infrastructure data from the payment device reader. The payment infrastructure data that is received may be indicative of a country in which the payment device reader is installed. In addition, the method may include selecting data for transmission to the payment device reader based at least in part on the received payment infrastructure data.
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公开(公告)号：US09542673B2
公开(公告)日：2017-01-10
申请号：US14050448
申请日：2013-10-10
Applicant: MasterCard International Incorporated
Inventor： Colin Tanner , Christina E. Sheppard , John Mwangi
CPC classification number: G06Q20/28 , G06Q20/10 , G06Q20/322 , G06Q20/36
Abstract: Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer.
Abstract translation: 描述了预付款账户系统和方法，允许发行人金融机构快速有效地启动NFC设备支付计划。 在一个实施例中，登台帐户提供商计算机接收到提供移动帐户的请求。 分期帐户提供商计算机生成移动帐户PAN并将其与资金账户PAN相关联，并且将个人化请求发送到将持卡人的移动设备的支付应用程序个性化到信任的服务管理器（TSM）计算机。 登台帐户提供商计算机从TSM计算机接收状态确认消息，指示支付应用已经被个性化并被加载到持卡人的移动设备上，然后将包括移动帐户PAN的移动帐户初始化消息发送到主要发行者。
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公开(公告)号：US20150287033A1
公开(公告)日：2015-10-08
申请号：US14244228
申请日：2014-04-03
Applicant: MasterCard International Incorporated
Inventor： Nealle Andrew Page , German Blanco , Colin Tanner
CPC classification number: G06Q20/325
Abstract: Systems, apparatus and methods for cost effectively and accurately testing the validity and/or success of an over-the-air (OTA) personalization of a payment-enabled mobile device. In an embodiment, a process includes transmitting, by a mobile device processor to an issuer financial institution (FI) computer, a request for a unique number, receiving the unique number, generating a cryptogram based on the unique number, and transmitting the cryptogram and a zero value purchase amount transaction request to the issuer FI computer. The process also includes receiving, by the mobile device processor, a zero value transaction authorization message from the issuer FI computer which indicates that the payment application successfully loaded and is functional. In some embodiments, a payment application load success message is then displayed on a display component of the payment-enabled mobile device.
Abstract translation: 用于成本有效和准确地测试支付支付移动设备的空中（OTA）个性化的有效性和/或成功的系统，装置和方法。 在一个实施例中，过程包括由移动设备处理器向发行者金融机构（FI）计算机发送对唯一号码的请求，接收唯一号码，基于唯一号码生成密码，以及发送密码和 对发行人FI计算机的零值购买金额交易请求。 该过程还包括由移动设备处理器从发行方FI计算机接收指示支付应用程序成功加载并且正常工作的零值交易授权消息。 在一些实施例中，支付应用程序加载成功消息随后显示在支付支付移动设备的显示组件上。
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公开(公告)号：US10586224B2
公开(公告)日：2020-03-10
申请号：US15365024
申请日：2016-11-30
Applicant: MasterCard International Incorporated
Inventor： Colin Tanner , Christina E. Sheppard , John Mwangi
Abstract: Systems and methods for provisioning a prepaid mobile staging account to consumer mobile devices are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account that includes identification information and associates the identification information with a prepaid mobile staging account. The staging account provider computer then identifies a financial account of the consumer held by an issuer financial institution (FI), generates a consumer prepaid mobile staging account loaded with funds from the financial account of the consumer, and transmits a confirmation message to the consumer's mobile device indicating successful setup.
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Patent Agency Ranking
公开(公告)号：US09531549B2
公开(公告)日：2016-12-27
申请号：US14478267
申请日：2014-09-05
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Colin Tanner , David Sylvester
CPC classification number: H04L9/3263 , G06F21/6254 , G06Q20/3674 , G06Q20/3829 , G09C5/00 , H04L9/14 , H04L9/30 , H04L9/3268 , H04L2209/56
Abstract: A method for verifying an image by a first electronic device, the method comprising the first electronic device: sending a request for an image to a second electronic device, wherein the second electronic device is remote from the first electronic device and, optionally, a server; receiving an image and a certificate from the second electronic device, wherein the certificate comprises a protected checksum of at least the image; generating a checksum in dependence on at least the received image; performing a comparison in dependence on said generated checksum and the protected checksum received in the certificate; and verifying the received image in dependence upon the comparison. Advantageously, the first electronic device is able to verify each received image and to prevent the display of any received images that are not authenticated. Applications include the display of card images.
Abstract translation: 一种用于通过第一电子设备验证图像的方法，所述方法包括所述第一电子设备：向第二电子设备发送对图像的请求，其中所述第二电子设备远离所述第一电子设备，以及可选地，服务器 ; 从所述第二电子设备接收图像和证书，其中所述证书包括至少所述图像的受保护的校验和; 至少依赖于接收到的图像生成校验和; 根据所生成的校验和和证书中接收的受保护的校验和进行比较; 并根据比较验证接收到的图像。 有利地，第一电子设备能够验证每个接收到的图像并且防止未被认证的任何接收到的图像的显示。 应用程序包括显示卡片图像。
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公开(公告)号：US20150288464A1
公开(公告)日：2015-10-08
申请号：US14248073
申请日：2014-04-08
Applicant: MasterCard International Incorporated
Inventor： Colin Tanner , Aaron Concannon , Kuljot Singh Anand , Anthony Lopreiato
CPC classification number: H04B5/0031 , H04B5/0056 , H04B5/02 , H04B17/14 , H04B17/15 , H04B17/29 , H04L67/02
Abstract: Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry of his or her NFC-enabled mobile device, and/or to troubleshoot wireless (NFC) communications problems of the mobile device. In an embodiment, a method includes initializing, by a mobile device processor, a NFC test application, displaying on a mobile device display screen a prompt for the consumer to position the mobile device onto a test platform that includes at least one NFC tag, initializing the NFC circuitry of the mobile device to power and communicate with the at least one NFC tag, and displaying an indication on the mobile device display screen concerning functionality of the NFC circuitry.
Abstract translation: 用于消费者使用的近场通信（NFC）测试装置和方法，用于确认他或她的启用NFC的移动设备的NFC电路的功能，和/或解决移动设备的无线（NFC）通信问题。 在一个实施例中，一种方法包括：由移动设备处理器初始化NFC测试应用，在移动设备上显示屏幕上提示消费者将移动设备定位到包括至少一个NFC标签的测试平台上，初始化 所述移动设备的NFC电路为所述至少一个NFC标签供电和通信，以及在所述移动设备显示屏上显示与所述NFC电路的功能有关的指示。
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公开(公告)号：US20150039494A1
公开(公告)日：2015-02-05
申请号：US14322409
申请日：2014-07-02
Applicant: MasterCard International Incorporated
Inventor： James D. Sinton , Hemel Sanghvi , Colin Tanner
IPC: G06Q20/32
CPC classification number: G06Q20/327
Abstract: The present invention relates to an electronic device 101 for use in a transaction process. The electronic device 101 comprises a first wireless communication module for communicating with a second electronic device 102 and a second wireless communication module for communicating with a payment terminal 106 for the purpose of performing a payment transaction. The electronic device 101 is capable of relaying data between the second device 102 and the payment terminal 106. A method of performing a transaction is also disclosed, said method comprising the following steps. Firstly, a first wireless communication between an electronic device 101 and a second electronic device 102 is established. Secondly, transaction details required to perform a contactless transaction are uploaded from the second electronic device 102 to the electronic device 101 and securely stored on the electronic device 101. Thirdly a second wireless communication between the electronic device 101 and a payment terminal 106 is established. Finally, the payment terminal 106 is provided with the transaction details.
Abstract translation: 本发明涉及一种用于交易过程的电子设备101。 电子设备101包括用于与第二电子设备102通信的第一无线通信模块和用于与支付终端106进行通信以用于执行支付交易的第二无线通信模块。 电子设备101能够在第二设备102和支付终端106之间中继数据。还公开了执行交易的方法，所述方法包括以下步骤。 首先，建立电子设备101和第二电子设备102之间的第一无线通信。 其次，执行非接触交易所需的交易细节从第二电子设备102被上传到电子设备101并被安全地存储在电子设备101上。第三，建立电子设备101和支付终端106之间的第二无线通信。 最后，向支付终端106提供交易细节。
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公开(公告)号：US09916576B2
公开(公告)日：2018-03-13
申请号：US14873675
申请日：2015-10-02
Applicant: MasterCard International Incorporated
Inventor： Colin Tanner , Paul Michael Evans , Theresa L. Smith
CPC classification number: G06Q20/3558 , G06Q20/18 , G06Q20/354 , G06Q20/3552 , G06Q2220/10 , H04L9/3234 , H04L2209/56
Abstract: Described are methods and systems for remotely personalizing a payment device. In an embodiment, a trusted service provider (TSP) personalization server receives a payment device personalization request from a remote personalization device (RPD), determines that a hardware security token (HST) permits issuance of the payment device, and transmits a personalization data request to an issuer. The TSP personalization server then receives the requested personalization data from a Mobile Over-the-Air Provisioning Service (MOTAPS) server, generates session keys, converts data from the MOTAPS server into payment device application process data unit (APDU) data, and then transmits the personalization data and APDU data to the RPD to load onto a payment device.
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公开(公告)号：US20170083895A1
公开(公告)日：2017-03-23
申请号：US15365024
申请日：2016-11-30
Applicant: MasterCard International Incorporated
Inventor： Colin Tanner , Christina E. Sheppard , John Mwangi
CPC classification number: G06Q20/28 , G06Q20/10 , G06Q20/322 , G06Q20/36
Abstract: Systems and methods for provisioning a prepaid mobile staging account to consumer mobile devices are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account that includes identification information and associates the identification information with a prepaid mobile staging account. The staging account provider computer then identifies a financial account of the consumer held by an issuer financial institution (FI), generates a consumer prepaid mobile staging account loaded with funds from the financial account of the consumer, and transmits a confirmation message to the consumer's mobile device indicating successful setup.
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