公开(公告)号：WO2021086802A1

公开(公告)日：2021-05-06

申请号：PCT/US2020/057442

申请日：2020-10-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： DENIZ, Shane Lansley Jorge Jose ,  KOHLI, Manoneet

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/02 ,  G07F19/00 ,  H04L9/08

Abstract: A method for performing on-behalf tokenization for an automated teller machine (ATM) transaction to enable cardless transactions for any institutional entity includes: receiving, by a receiver of a processing server, a withdrawal request from a first computing system, the withdrawal request including at least a payment token and transaction data; validating, by a processor of the processing server, the payment token included in the withdrawal request; transmitting, by a transmitter of the processing server, the payment token to a second computing system; receiving, by the receiver of the processing server, cryptographic data from the second computing system; transmitting, by the transmitter of the processing server, at least the payment token, cryptographic data, and transaction data to a third computing system, wherein the first computing system, third computing system, and processing server are separate and distinct systems.

公开(公告)号：WO2020263385A1

公开(公告)日：2020-12-30

申请号：PCT/US2020/028745

申请日：2020-04-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06F21/32 ,  G06F21/33 ,  G06F21/62 ,  G06F7/02

Abstract: A system for authenticating a user associated with a plurality of user devices using a plurality of types of authentication information. The system includes an electronic computing device including an electronic processor. The electronic processor is configured to receive, from a user device, a request to access sensitive information and send, to the user device, a request for a first accuracy measurement for a first type of authentication information. When first accuracy measurement is below a predetermined threshold, the electronic processor sends to the user device a request for a second accuracy measurement for a second type of authentication information. When the second accuracy measurement is above or equal to the predetermined threshold, the electronic processor authenticates the user and lowers the predetermined threshold for each user device associated with a user profile, records an anomaly associated with the first type of the authentication information, or both.

公开(公告)号：WO2020176713A1

公开(公告)日：2020-09-03

申请号：PCT/US2020/020055

申请日：2020-02-27

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q20/22

Abstract: Systems and methods are provided for use in facilitating network transactions. In connection therewith, a server receives a request from an application of a requestor mobile device and polls sender mobile devices for location data, where a subset of the sender mobile devices is within a defined distance of the requestor mobile device. The server then receives a response from one of the subset of sender mobile devices and presents the response to the application of the requestor mobile device. Upon acceptance of the response, the server transmits the acceptance to the sender mobile device, thereby enabling delivery of an amount requested to a requestor user associated with the requestor mobile device in exchange for a digital transaction from an account of the requestor user to an account of a sender user associated with the sender mobile device.

公开(公告)号：WO2018102031A1

公开(公告)日：2018-06-07

申请号：PCT/US2017/055728

申请日：2017-10-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q30/02

CPC classification number: H04W4/023 ,  G06Q30/0205 ,  H04L67/22 ,  H04W4/02 ,  H04W4/029

Abstract: A system, method, and software product deliver context driven content to a user. First data defining a current location of the user is received from a mobile device that is proximate the user. A need/interest for a product or service is determined based upon one of (a) second data received from a monitored device, the second data identifying the product or service, and (b) history data defining previous activity of the user relating to the product or service. At least one source of the product or service that is within a predefined distance of the current location of the user is determined and the content is generated to include a recommendation for the user to visit the at least one source to obtain the product or service. The content is sent to the mobile device for display to the user.

公开(公告)号：WO2017204942A1

公开(公告)日：2017-11-30

申请号：PCT/US2017/028221

申请日：2017-04-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q20/00

Abstract: Embodiments of the disclosure enable one or more transactions to be processed with secured authentication. A system server receives a request for authentication for an article associated with a first user that is associated with a user account, identifies one or more client devices associated with one or more secondary users that are associated with the user account, communicates with the one or more client devices to obtain biometric data associated with the one or more secondary users, determines whether to approve the request for authentication based on the biometric data associated with the one or more secondary users, and, on condition that the request for authentication is approved, generates an authentication token. Aspects of the disclosure leverage authentication technology to authenticate one or more identities of one or more users to allow the users to confirm that an article is associated with another user.

Abstract translation: 本公开的实施例使得一个或多个事务能够以安全认证来处理。 系统服务器接收对与与用户账户相关联的第一用户相关联的物品进行认证的请求，识别与与用户账户相关联的一个或多个次要用户相关联的一个或多个客户端设备，与该用户账户通信或 更多客户端设备获得与一个或多个次要用户相关联的生物统计数据，基于与一个或多个次要用户相关联的生物统计数据来确定是否批准认证请求，并且在认证请求被批准的情况下， 生成一个认证令牌。 本公开的各方面利用认证技术来认证一个或多个用户的一个或多个身份以允许用户确认物品与另一用户相关联。

公开(公告)号：WO2022010585A1

公开(公告)日：2022-01-13

申请号：PCT/US2021/033959

申请日：2021-05-25

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q20/02 ,  G06Q20/08 ,  G06Q20/36 ,  G06Q20/40

Abstract: Systems and computer-implemented methods of providing interoperability between incompatible payment systems may be provided. For example, a server may receive encoded data from a wallet server of the first closed loop payment system, the encoded data using an encoding scheme and being based on a digital encoding of a recipient. The server may identify a receiving institution of the second closed loop payment system based on the encoding scheme. The server may transmit the encoded data to the receiving institution and receive a response from the receiving institution. The response may include a recipient identifier and a recipient attribute. The server may mediate the payment from the sender closed loop account to the recipient closed loop account based on the receiving institution, the recipient identifier and the recipient attribute. For example, the server may perform clearing- and-settlement or switching-and -routing to mediate the payment.

公开(公告)号：WO2021025989A1

公开(公告)日：2021-02-11

申请号：PCT/US2020/044473

申请日：2020-07-31

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q20/02 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q20/40

Abstract: Processor(s) provide software that configures mobile computing devices for transmit a respective original equipment manufacturer (OEM) device credential and transmit merchant information representing an identification and preference of a respective merchant. A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer. Thereafter, the processor(s) receive from a device associated with the issuer, approval of the transaction, and transmit approval information to the enrolled mobile computing device for notifying the merchant that the transaction is approved.

公开(公告)号：WO2019240875A1

公开(公告)日：2019-12-19

申请号：PCT/US2019/028086

申请日：2019-04-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q30/06 ,  G06Q20/40 ,  G06Q20/38

Abstract: Systems and methods are provided for verifying a user, through an account associated with the user, in connection with a subscription of the user to a service from a service provider. One exemplary system includes a memory having an account for the user, and a platform computing device coupled to and/or including the memory. The computing device is configured to receive a request from the service provider, in connection with the user subscribing to the service, and authenticate the user. When the user is authenticated, the computing device is configured to generate a subscription message for the user comprising assurance data based on the user's account, a timestamp, and an identifier associated with the user, and transmit the subscription message to the service provider, to thereby permit the service provider to rely on the assurance data to verify the user.

公开(公告)号：WO2018208417A1

公开(公告)日：2018-11-15

申请号：PCT/US2018/027052

申请日：2018-04-11

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q10/08 ,  G06Q50/28

CPC classification number: G06Q10/0833 ,  G06Q50/28

Abstract: A method for package delivery notification includes: storing a predetermined distance and a time interval; receiving a first device identifier of a first computing device associated with purchase of a product for delivery; receiving a second device identifier of a second computing device associated with delivery of the product; receiving a first location notification including the first device identifier and a first geographic location, and a second location notification including the second device identifier and a second geographic location; calculating a distance between the first geographic location and the second geographic location; and repeating receipt of the first location notification and second location notification after subsequent time intervals if the calculated distance is greater than the predetermined distance, or transmitting a notification message to the first computing device indicating that the product is within the predetermined distance of the first computing device.

公开(公告)号：WO2018161007A1

公开(公告)日：2018-09-07

申请号：PCT/US2018/020727

申请日：2018-03-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet ,  UNNERSTALL, Rick ,  ARORA, Ankur ,  SENGUPTA, Shuvam ,  GUPTA, Pulkit ,  MAHESHWARI, Nishant ,  MITTAL, Shreya ,  KUMAR, Manish ,  BISHNOI, Vikas ,  BIJAWAT, Shubham ,  KUMAR, Navneet ,  KUMAWAT, Jaipal, Singh ,  SANABOINA, Sri, Chaitanya ,  DAGGUBATI, Lakshmi, Sushma ,  YADAV, Deepak

IPC: H04L9/32

CPC classification number: G06F16/2365 ,  G06F16/219 ,  H04L9/3236 ,  H04L9/3247 ,  H04L2209/38

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block, reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values: generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.