公开(公告)号：US11379543B2

公开(公告)日：2022-07-05

申请号：US15614849

申请日：2017-06-06

Applicant: Mastercard International Incorporated

Inventor： Heinz Ramin Gallenbacher ,  David Lim ,  Vasily Giria ,  Nili Klenoff ,  Sachin Ahuja ,  Grant Gortsema

IPC: G06F16/9535 ,  G06F16/95 ,  G06Q20/36 ,  G06F16/957

Abstract: A method for identification and distribution of a personalized image. As disclosed, the method involves a processing server receiving an image request from a web server. The image request includes at least a device identifier and an originating address. The processing server electronically transmits a data request to a computing device associated with the device identifier, and receives a data file from the computing device. The data file includes one or more data values associated with an electronic wallet. The processing server executes a query to identify an image file based on the data values included in the received data file. Additionally, the processing server electronically transmits the identified image file to the web server in response to the received image request.

公开(公告)号：US20230254303A1

公开(公告)日：2023-08-10

申请号：US18302489

申请日：2023-04-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Keyur Patel ,  Sachin Ahuja

IPC: H04L9/40 ,  H04L9/32

CPC classification number: H04L63/0823 ,  H04L9/3213 ,  H04L9/3228 ,  H04L63/0428

Abstract: An identity authority computing device having a processor in communication with a database is described herein. The database stores a plurality of persistent user identifiers associated with a plurality of users. The processor is programmed to receive a service request over a public network, the service request including a service provider identifier and a single-use token value associated with one of the users. The processor is also programmed to determine at least one persistent user identifier associated in the database with the token value, and generate an updated service request including the at least one persistent user identifier. The processor further is programmed to generate an encrypted service request using a public encryption key associated with the service provider identifier, and transmit the encrypted service request to a service provider computing device associated with the service provider identifier.

公开(公告)号：US11652813B2

公开(公告)日：2023-05-16

申请号：US16593012

申请日：2019-10-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Keyur Patel ,  Sachin Ahuja

IPC: H04L9/40 ,  H04L9/32

CPC classification number: H04L63/0823 ,  H04L9/3213 ,  H04L9/3228 ,  H04L63/0428

Abstract: An identity authority computing device having a processor in communication with a database is described herein. The database stores a plurality of persistent user identifiers associated with a plurality of users. The processor is programmed to receive a service request over a public network, the service request including a service provider identifier and a single-use token value associated with one of the users. The processor is also programmed to determine at least one persistent user identifier associated in the database with the token value, and generate an updated service request including the at least one persistent user identifier. The processor further is programmed to generate an encrypted service request using a public encryption key associated with the service provider identifier, and transmit the encrypted service request to a service provider computing device associated with the service provider identifier.

公开(公告)号：US20210105264A1

公开(公告)日：2021-04-08

申请号：US16593012

申请日：2019-10-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Keyur Patel ,  Sachin Ahuja

IPC: H04L29/06 ,  H04L9/32

Abstract: An identity authority computing device having a processor in communication with a database is described herein. The database stores a plurality of persistent user identifiers associated with a plurality of users. The processor is programmed to receive a service request over a public network, the service request including a service provider identifier and a single-use token value associated with one of the users. The processor is also programmed to determine at least one persistent user identifier associated in the database with the token value, and generate an updated service request including the at least one persistent user identifier. The processor further is programmed to generate an encrypted service request using a public encryption key associated with the service provider identifier, and transmit the encrypted service request to a service provider computing device associated with the service provider identifier.

公开(公告)号：US11605065B2

公开(公告)日：2023-03-14

申请号：US16549858

申请日：2019-08-23

Applicant: Mastercard International Incorporated

Inventor： Michael D. McCarthy ,  Edward Neil Livingston ,  Sachin Ahuja ,  Holger Kunkat

IPC: G06Q20/20 ,  G06Q30/06 ,  G06Q30/0601

Abstract: Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.

公开(公告)号：US20230070039A1

公开(公告)日：2023-03-09

申请号：US17469053

申请日：2021-09-08

Applicant: Mastercard International Incorporated

Inventor： Sachin Ahuja

IPC: G06Q20/40 ,  G06Q20/38

Abstract: Briefly, embodiments are directed to a system, method, and article for receiving an authorization request message for a remote commerce transaction with a particular merchant, where the authorization request message comprises a merchant universal payment identifier (MuPi). The MuPi may be extracted from the authorization request message. Validation information may be determined for the MuPi. A message may be transmitted to a payment network to enable authorization of the remote commerce transaction at least partially in response to the determination of the validation information.

公开(公告)号：US20200065789A1

公开(公告)日：2020-02-27

申请号：US16549858

申请日：2019-08-23

Applicant: Mastercard International Incorporated

Inventor： Michael D. McCarthy ,  Edward Neil Livingston ,  Sachin Ahuja ,  Holger Kunkat

IPC: G06Q20/20 ,  G06Q30/06

Abstract: Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.

公开(公告)号：US12223504B2

公开(公告)日：2025-02-11

申请号：US17469053

申请日：2021-09-08

Applicant: Mastercard International Incorporated

Inventor： Sachin Ahuja

IPC: G06Q20/40 ,  G06Q20/38

Abstract: Briefly, embodiments are directed to a system, method, and article for receiving an authorization request message for a remote commerce transaction with a particular merchant, where the authorization request message comprises a merchant universal payment identifier (MuPi). The MuPi may be extracted from the authorization request message. Validation information may be determined for the MuPi. A message may be transmitted to a payment network to enable authorization of the remote commerce transaction at least partially in response to the determination of the validation information.

公开(公告)号：US11715105B2

公开(公告)日：2023-08-01

申请号：US17001989

申请日：2020-08-25

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Keyur Patel ,  Hemant Bhanushali ,  Sachin Ahuja

IPC: G06Q20/40 ,  G06Q30/018 ,  G06Q20/38 ,  G06K7/14 ,  G06F21/44 ,  G06Q20/32

CPC classification number: G06Q20/40145 ,  G06F21/44 ,  G06K7/1417 ,  G06Q20/3276 ,  G06Q20/3829 ,  G06Q30/0185 ,  G06Q2220/00

Abstract: Payment authentication using OS-based (operating system-based) and issuer-based authenticator applications is provided. The described authenticator applications perform processes including managing a resource with information about registered users; receiving user identifiable information; authenticating a user using the user identifiable information and the information stored in the resource; upon authenticating the user using the user identifiable information and the information stored in the resource, generating a key tied to existing biometric authentication of the user and mapped to the user identifiable information; and communicating with a support server to provide the key and a notification of a potential transaction.

公开(公告)号：US11270290B2

公开(公告)日：2022-03-08

申请号：US16416559

申请日：2019-05-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ryan Watkins ,  Sachin Ahuja

IPC: G06Q20/34 ,  G06F9/54 ,  H04L9/30 ,  G06Q20/38

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes converting, by a communication device, a request from a remote payment initiator associated with a merchant into a message to a payment network, via a software development kit (SDK) executed by a web browser of the communication device. The request is associated with a transaction to a payment account and includes at least one of: a browser cookie, a payment account number associated with the payment account, a card ID for the payment account, and a payment ID for the transaction. And, the message includes the at least one of: the browser cookie, the payment account number, the card ID, and the payment ID.