公开(公告)号：US20160078428A1

公开(公告)日：2016-03-17

申请号：US14485139

申请日：2014-09-12

Applicant: MasterCard International Incorporated

Inventor： Scott Moser ,  Amyn Mohamed Dhala ,  David James Lim ,  Ryan Bartholomew Joseph Crowe ,  Nathaniel David Byrd ,  Eric Ray Kitchen ,  Adam David Gluck ,  Prashant Sharma

IPC: G06Q20/36

CPC classification number: G06Q20/4014 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/3223 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4012 ,  H04L63/10

Abstract: A system and method for facilitating use of a digital electronic wallet by a cardholder for cashless transactions. The method comprises receiving a selection by a first cardholder to pair a first digital wallet held by a first wallet holder with a first merchant, the first digital wallet having therein an electronic representation of at least one payment device usable to fund a cashless transaction, and verifying the cardholder's identity. Thereafter, facilitating a communication between the first cardholder and the first wallet holder to record consent by the first cardholder to share wallet information with the first merchant. The present disclosure further comprises receiving from the first wallet holder authorization to generate a wallet token usable for acquiring wallet information on behalf of the first merchant, using the first digital wallet as selected by the first cardholder, and preparing a merchant token corresponding to the wallet token. The merchant token is provided to the first merchant, for presentation to access wallet information, including payment card information on a cashless transaction.

Abstract translation: 一种促进持卡人使用数字电子钱包进行无现金交易的系统和方法。 该方法包括接收第一持卡人的选择以将由第一钱包持有者所持有的第一数字钱包与第一商家进行配对，该第一数字钱包具有可用于资助无现金交易的至少一个支付装置的电子表示，以及 验证持卡人的身份。 此后，促进第一持卡人和第一钱夹持有人之间的通信，以记录第一持卡人与第一商人共享钱包信息的同意。 本公开还包括从第一钱包持有人授权，使用由第一持卡人选择的第一数字钱包生成可用于代表第一商家获取钱包信息的钱包令牌，以及准备对应于该钱包的商家令牌 令牌 将商家令牌提供给第一商家，以便呈现以访问钱包信息，包括关于无现金交易的支付卡信息。

公开(公告)号：US20130269041A1

公开(公告)日：2013-10-10

申请号：US13898164

申请日：2013-05-20

Applicant: MasterCard International Incorporated

Inventor： Gregg Alan Hill ,  Tamara Lynn Arrington ,  Eric Ray Kitchen

IPC: G06F21/31

CPC classification number: G06F21/31 ,  G06Q30/04

Abstract: A method and system for granting premium access to a service application stored within a service provider (SP) computer system through an open API platform is provided. The method includes receiving a request for premium access to the service application from a developer of a developer application wherein the developer application is configured to request data from the service application, assigning a production key to the developer application, sending an electronic message to a service owner (SO) associated with the service application requesting premium access to the service application, granting premium access to the service application by the SO for the developer application, updating the production key at the open API platform to include premium access to the service application, and notifying the developer of the granting of the premium access to the service application for the developer application.

Abstract translation: 提供了一种用于通过开放的API平台授予对存储在服务提供商（SP）计算机系统内的服务应用的优质访问的方法和系统。 该方法包括从开发者应用程序的开发者接收对服务应用的优质访问请求，其中开发者应用被配置为从服务应用请求数据，向开发者应用分配生产密钥，向服务发送电子消息 与服务应用程序相关联的所有者（SO），请求对服务应用程序的高级访问，通过开发人员应用程序的SO授予服务应用程序的高级访问权限，更新开放API平台上的生产密钥以包括对服务应用程序的高级访问， 并通知开发人员授予对开发者应用程序的服务应用程序的高级访问权限。

公开(公告)号：US08832858B2

公开(公告)日：2014-09-09

申请号：US13898164

申请日：2013-05-20

Applicant: MasterCard International Incorporated

Inventor： Gregg Alan Hill ,  Tamara Lynn Arrington ,  Eric Ray Kitchen

IPC: G06F7/04 ,  G06F7/00 ,  G06Q10/00 ,  G06F21/31 ,  G06Q30/04

CPC classification number: G06F21/31 ,  G06Q30/04

Abstract: A method and system for granting premium access to a service application stored within a service provider (SP) computer system through an open API platform is provided. The method includes receiving a request for premium access to the service application from a developer of a developer application wherein the developer application is configured to request data from the service application, assigning a production key to the developer application, sending an electronic message to a service owner (SO) associated with the service application requesting premium access to the service application, granting premium access to the service application by the SO for the developer application, updating the production key at the open API platform to include premium access to the service application, and notifying the developer of the granting of the premium access to the service application for the developer application.

Abstract translation: 提供了一种用于通过开放的API平台授予对存储在服务提供商（SP）计算机系统内的服务应用的优质访问的方法和系统。 该方法包括从开发者应用程序的开发者接收对服务应用的优质访问请求，其中开发者应用被配置为从服务应用请求数据，向开发者应用分配生产密钥，向服务发送电子消息 与服务应用程序相关联的所有者（SO），请求对服务应用程序的高级访问，通过开发人员应用程序的SO授予服务应用程序的高级访问权限，更新开放API平台上的生产密钥以包括对服务应用程序的高级访问， 并通知开发人员授予对开发者应用程序的服务应用程序的高级访问权限。