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公开(公告)号：US10803445B2
公开(公告)日：2020-10-13
申请号：US14301683
申请日：2014-06-11
Applicant: MASTERCARD ASIA PACIFIC PTE. LTD.
Inventor： Donghao Huang , Bensam Joyson , Jie Zhang , Jasmine Ng , Ross Finch
Abstract: A system and method of conducting an authentication transaction; and a near field communication (NFC) enabled mobile device for conducting the authentication transaction. The method includes the steps of: storing data associated with one or more authentication certificates in a secure element of the NFC enabled mobile device; sending the data associated with the one or more authentication certificates from the NFC enabled mobile device to a server via a NFC enabled transceiver; verifying the authenticity of the one or more authentication certificates at the server; and upon successful authentication, sending transaction data from the server to the NFC enabled mobile device via the NFC enabled transceiver.
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公开(公告)号：US20160005009A1
公开(公告)日：2016-01-07
申请号：US14788081
申请日：2015-06-30
Applicant: Mastercard Asia Pacific Pte. Ltd.
Inventor： Jiaming Li , Donghao Huang , Jie Zhang , Bensam Joyson , Douglas Tan , Yong How Chin
CPC classification number: G06Q30/0255 , G06Q20/20 , G06Q20/327 , G06Q20/382 , G06Q30/0633
Abstract: A method for conducting a transaction between a merchant and a customer, a merchant device, and a computer storage medium for instructing a computing device to execute a method for conducting a transaction between a merchant and a customer are disclosed. The method includes establishing a secure wireless connection between a merchant device and a customer device, real-time synchronizing, via the secure connection, a shopping cart of the customer between the merchant and the customer devices, determining, via the secure connection, at least one payment option for checking out the shopping cart, and processing, at a transaction processing device, the payment based on a selected payment option out of the at least one payment option.
Abstract translation: 公开了一种用于在商家和客户之间进行交易的方法，商家装置和计算机存储介质，用于指示计算设备执行用于在商家和客户之间进行交易的方法。 该方法包括在商家设备和客户设备之间建立安全无线连接，通过安全连接实时同步商家和客户设备之间的顾客的购物车，至少经由安全连接确定至少 用于检出购物车的一个付款选项，以及在交易处理装置处处理基于所述至少一个支付选项中所选择的支付选项的支付。
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公开(公告)号：US12086802B2
公开(公告)日：2024-09-10
申请号：US18224212
申请日：2023-07-20
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Srinath Ravinathan , Donghao Huang , Hancong Guan , Karl Cheng , Phuoc Hoang Long Le , Weiming Ma
CPC classification number: G06Q20/389 , G06F16/2379 , G06Q20/02 , G06Q20/381 , G06Q20/38215 , G06Q20/3827 , G06Q20/401 , H04L9/3239 , G06Q20/3674 , G06Q20/3825 , G06Q20/3829 , H04L9/50
Abstract: A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.
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公开(公告)号：US11748749B2
公开(公告)日：2023-09-05
申请号：US17350646
申请日：2021-06-17
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Srinath Ravinathan , Donghao Huang , Hancong Guan , Karl Cheng , Phuoc Hoang Long Le , Weiming Ma
CPC classification number: G06Q20/389 , G06F16/2379 , G06Q20/02 , G06Q20/381 , G06Q20/3827 , G06Q20/38215 , G06Q20/401 , H04L9/3239 , G06Q20/3674 , G06Q20/3825 , G06Q20/3829 , H04L9/50
Abstract: A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.
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公开(公告)号：US11238423B2
公开(公告)日：2022-02-01
申请号：US16278364
申请日：2019-02-18
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Hui Fang , Bensam Joyson , Donghao Huang
Abstract: A method for billing device usage through a data storage system and aggregation includes: receiving, in a device controller, user credentials for one of a plurality of users; detecting, by the device controller, usage parameters of a hardware device; submitting, by the device controller, a new usage transaction for usage of the hardware device to a data storage system including the user credentials and a usage fee based on the usage parameters; receiving, by an aggregator node, a plurality of usage transactions from the data storage system including the new usage transaction where each usage transaction includes user data and a fee amount; generating, by the aggregator node, an aggregated bill for each of the users including based on the fee amount included in each usage transaction associated with the respective user; and transmitting, by the aggregator node, each aggregated bill to a computing device associated with the respective user.
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Patent Agency Ranking
公开(公告)号：US20210406887A1
公开(公告)日：2021-12-30
申请号：US16946493
申请日：2020-06-24
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Srinath Ravinathan , Donghao Huang
Abstract: A method for acceptance of blockchain payment at a traditional point of sale device through issuer processing includes: receiving an authorization request for a fiat payment transaction originating from a point of sale device and routed through a payment network, the authorization request including a transaction account number and transaction amount; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; receiving a destination address for an electronic wallet associated with a blockchain network; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; receiving a transaction identifier from the blockchain node; and transmitting an authorization response for the fiat payment transaction to the payment network for routing to the point of sale device including an indication of approval of the fiat payment transaction and the transaction identifier.
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公开(公告)号：US20210182847A1
公开(公告)日：2021-06-17
申请号：US17117873
申请日：2020-12-10
Applicant: Mastercard Asia/Pacific PTE. LTD.
Inventor： Shiying Lian , Xijing Wang , Bensam Joyson , Anupam Sharma , Hui Fang , Donghao Huang , Dipali Pathrabe , Lalit Manchanda
Abstract: The present disclosure generally relates to electronic systems and computerized methods for verification of transacting parties to process transactions. A payment network server receives details of a transaction fulfilled by an agent and generates a transaction identification plaintext. A first party keyset for the first transacting party and an agent keyset for the agent is identified. The server generates cryptograms and ciphertexts encrypted by the first party keyset and agent keyset and sends the cryptograms to the first transacting party and agent. An encrypted cryptogram contains an encrypted ciphertext which contains a plaintext representing the transaction identification plaintext. The ciphertexts are exchanged between the first transacting party and agent by a computer handshake for decryption. The plaintexts are extracted from the ciphertexts and compared against the transaction identification plaintext for verifying the first transacting party and agent.
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公开(公告)号：US10482499B2
公开(公告)日：2019-11-19
申请号：US14788081
申请日：2015-06-30
Applicant: Mastercard Asia Pacific Pte. Ltd.
Inventor： Jiaming Li , Donghao Huang , Jie Zhang , Bensam Joyson , Douglas Tan , Yong How Chin
Abstract: A method for conducting a transaction between a merchant and a customer, a merchant device, and a computer storage medium for instructing a computing device to execute a method for conducting a transaction between a merchant and a customer are disclosed. The method includes establishing a secure wireless connection between a merchant device and a customer device, real-time synchronizing, via the secure connection, a shopping cart of the customer between the merchant and the customer devices, determining, via the secure connection, at least one payment option for checking out the shopping cart, and processing, at a transaction processing device, the payment based on a selected payment option out of the at least one payment option.
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公开(公告)号：US10380670B2
公开(公告)日：2019-08-13
申请号：US15230877
申请日：2016-08-08
Applicant: MASTERCARD ASIA/PACIFIC PTE LTD.
Inventor： Jiaming Li , Jie Zhang , Sin Jian Tan , Bensam Joyson , Yong How Chin , Donghao Huang
Abstract: System and method for facilitating user identification of a product. The system includes: a receiver unit configured to receive a signal; a memory module in communication with the receiver unit, the memory module having stored thereon product data that is stored in association with a transmittable product identity, wherein the receiver unit is further configured to (i) convert the received signal into its corresponding transmittable product identity and (ii) retrieve the product data from the memory module based on a comparison between the stored transmittable product identity and the converted transmittable product identity; and an output unit configured to output the retrieved product data to a user for facilitating user identification of the product.
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公开(公告)号：US20180359249A1
公开(公告)日：2018-12-13
申请号：US16000440
申请日：2018-06-05
Applicant: Mastercard Asia/Pacific Pte. Ltd.
Inventor： Shiying Lian , Donghao Huang , Naman Aggarwal
CPC classification number: H04L63/0876 , G10L25/51
Abstract: A method for remote authentication aided by an audio signal includes: storing, in a memory of a computing device, at least first authentication data; receiving, by a first input device of the computing device, an audio signal electronically transmitted by a separate computing system; decoding, by a decoding module of the computing device, the received audio signal to identify a server identification value; receiving, by a second input device of the computing device, second authentication data submitted by a user of the computing device; authenticating, by an authentication module of the computing device, the received second authentication data based on the stored first authentication data; and electronically transmitting, by a transmitting device of the computing device, a result of the authentication and a profile identifier to an external processing server based on the server identification value.
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