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    ADAPTABLE MESSAGING
    3.
    发明申请
    ADAPTABLE MESSAGING 审中-公开

    公开(公告)号：US20170103396A1

    公开(公告)日：2017-04-13

    申请号：US14881249

    申请日：2015-10-13

    Applicant: MasterCard International Incorporated

    Inventor： Patrik Smets ,  Jonathan James Main ,  Mehdi Collinge

    IPC: G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/4014 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/367 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q2220/00

    Abstract: Systems, methods and apparatus for operating a device to complete a transaction are provided which include receiving a request to initiate a transaction with a merchant, transmitting a payment transaction initiation message to a merchant server associated with the merchant, receiving a request message from the merchant server for remote payment data, the request message including information identifying whether the merchant server supports a selected one of a first data format and an alternative data format, and providing the remote payment data to the merchant server in the selected data format for use by the merchant server to initiate authorization processing of the transaction.

    METHOD AND APPARATUS FOR STREAMLINED DIGITAL WALLET TRANSACTIONS
    4.
    发明申请
    METHOD AND APPARATUS FOR STREAMLINED DIGITAL WALLET TRANSACTIONS 审中-公开
    流动数字电子钱包交易的方法和装置

    公开(公告)号：US20160092878A1

    公开(公告)日：2016-03-31

    申请号：US14621123

    申请日：2015-02-12

    Applicant: MasterCard International Incorporated

    Inventor： Cristian Radu ,  Jonathan James Main ,  Eric G. Alger

    IPC: G06Q20/40 ,  G06Q20/36

    CPC classification number: G06Q20/4014 ,  G06Q20/36 ,  G06Q20/4012

    Abstract: A method includes maintaining a digital wallet in a computer, and receiving a request for a transaction. The computer may receive and verify user authentication data, and then allow the user to access any payment card account in the digital wallet without requiring additional user authentication, regardless of the account selected for the transaction by the user. In some embodiments, cryptogram generation may be performed with an EMV server in association with the digital wallet, to enhance the level of security assurance for merchants, issuers and users.

    Abstract translation: 一种方法包括在计算机中维护数字钱包，以及接收对交易的请求。 计算机可以接收和验证用户认证数据，然后允许用户访问数字钱包中的任何支付卡帐户，而不需要额外的用户认证，而不管用户为交易选择的帐户。 在一些实施例中，可以使用与数字钱包相关联的EMV服务器执行密码生成，以增强商家，发行者和用户的安全保证级别。

    Systems and methods for use in authenticating users in connection with network transactions
    5.
    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.

    ADAPTABLE MESSAGING
    8.
    发明公开
    ADAPTABLE MESSAGING 审中-公开

    公开(公告)号：US20230274278A1

    公开(公告)日：2023-08-31

    申请号：US18142708

    申请日：2023-05-03

    Applicant: MasterCard International Incorporated

    Inventor： Patrik Smets ,  Jonathan James Main ,  Mehdi Collinge

    IPC: G06Q20/40 ,  G06Q20/36 ,  G06Q20/32 ,  G06Q20/38

    CPC classification number: G06Q20/4014 ,  G06Q20/40 ,  G06Q20/367 ,  G06Q20/3227 ,  G06Q20/322 ,  G06Q20/382 ,  G06Q2220/00

    Abstract: Methods, apparatus and systems for operating a payment-enabled mobile device to facilitate a payment transaction with a merchant server. In an embodiment, a mobile device processor of the payment-enabled mobile device receives a payment transaction request from a user, transmits a payment transaction initiation message directly to a merchant server of the merchant, and receives a request message from the merchant server that includes one of a request to provide an Authorization Request Cryptogram (ARQC) or a request to provide user consent information. The user consent information may include cardholder verification results or a request to provide an ARQC. Based on the received request message, the mobile device processor selects a particular mobile payment cardlet to use from a plurality of mobile payment cardlets running in a secure element, generates remote payment data using the particular mobile payment cardlet, and transmits the remote payment data to the merchant server to process the payment transaction.

    Contactless communication session initiation between devices
    9.
    发明授权
    Contactless communication session initiation between devices 有权

    公开(公告)号：US11470659B2

    公开(公告)日：2022-10-11

    申请号：US17078983

    申请日：2020-10-23

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrik Smets ,  Eddy Van De Velde ,  David Anthony Roberts ,  Jonathan James Main

    IPC: H04W76/11 ,  H04W76/12 ,  H04W12/63 ,  H04W12/65 ,  G06Q20/20 ,  H04L65/1104

    Abstract: Examples provide a system and method for initiating contactless communication sessions between computing devices using a variety of modalities. A user pre-registers a selected modality for triggering session initiation. A session initiation device generates trigger data based on a detected occurrence of a predetermined event corresponding to a user selected modality, such as, but not limited to, biometric data, a unique user identifier (ID), a vehicle identifier, or any other type of modality. The trigger data is mapped to a mobile device ID. The mobile device ID can be requested from a connection server. The communication session is established between the first computing device and the mobile user device using the mobile device identifier. The computing device transmits data to the mobile user device via the established communication session when the computing device is brought into proximity to the mobile user device.

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