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1.发明授权公开(公告)号：US11888965B2
公开(公告)日：2024-01-30
申请号：US16708630
申请日：2019-12-10
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Hui Fang , Bensam Joyson , Anupam Sharma , Zunhua Wang
CPC classification number: H04L9/0637 , G06F21/602 , H04L9/3073 , H04L9/3239 , H04L9/3247 , H04L9/3297 , H04L9/50
Abstract: A method for protection of data transfers for internet of things (IoT) devices using a blockchain includes: receiving, by a node in a blockchain network, a data message from an IoT device formatted according to an IoT messaging protocol and including a device identifier associated with the IoT device and encrypted data; generating a new block including one or more data values including the received data message; transmitting the generated new block to one or more additional nodes in the blockchain network; receiving a data request from an external device including an external identifier associated with the external device; verifying permission of the external device to access the encrypted data based on the external identifier and device identifier; and transmitting the encrypted data to the external device.
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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：US20140365370A1
公开(公告)日：2014-12-11
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
CPC classification number: G06Q20/3278 , G06Q20/322 , G06Q20/38215 , G06Q20/40
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.
Abstract translation: 进行认证交易的系统和方法; 以及用于进行认证交易的近场通信（NFC）使能移动设备。 该方法包括以下步骤：将与一个或多个认证证书相关联的数据存储在支持NFC的移动设备的安全元件中; 经由NFC启用的收发器将与所述一个或多个认证证书相关联的数据从NFC启用的移动设备发送到服务器; 验证服务器上的一个或多个认证证书的真实性; 并且在成功认证之后，经由NFC启用的收发器将交易数据从服务器发送到启用NFC的移动设备。
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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：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：US11715100B2
公开(公告)日：2023-08-01
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
CPC classification number: G06Q20/3829 , G06Q20/3821 , G06Q20/3823 , G06Q20/42 , H04L9/0618 , H04L9/3213 , H04L9/3234 , G06Q2220/00 , H04L2209/56
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：US20230059546A1
公开(公告)日：2023-02-23
申请号：US17404498
申请日：2021-08-17
Applicant: Mastercard Asia/Pacific PTE. LTD.
Inventor： Donghao Huang , Weiming Ma , Dendy Gunawan , Bensam Joyson
Abstract: Various implementations described herein are directed to a method for providing access control via an access server. In one implementation, a card or token onboarding request is received from a merchant server. Onboarding is initiated based on the received card or token onboarding request. An access initiation request is received from an access terminal. The access initiation request includes at least a card or token of a consumer. A mapping is created based on the access initiation request. Access is provided via the access terminal, in response to an access request, based on the mapping.
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