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    Method and system for securely initiating a checkout with an enrolled device
    1.
    发明授权
    Method and system for securely initiating a checkout with an enrolled device 有权

    公开(公告)号：US11948141B2

    公开(公告)日：2024-04-02

    申请号：US17028032

    申请日：2020-09-22

    申请人： MASTERCARD ASIA/PACIFIC PTE. LTD.

    发明人： Srinath Ravinathan ,  Hancong Guan ,  Teck Yong Tan

    IPC分类号： G06Q40/00 ,  G06Q20/32 ,  G06Q20/40 ,  H04L9/40

    CPC分类号： G06Q20/3227 ,  G06Q20/4014 ,  H04L63/083 ,  H04L63/123 ,  G06Q40/00 ,  H04L63/04

    摘要： A method, performed by an initiator system, for securely initiating a checkout with an enrolled device includes the steps of receiving, from an untrusted device, a checkout request including a user identifier; determining whether the user identifier is associated with one of a plurality of enrolled devices in an enrolled device database; responsive to a determination that the user identifier is associated with an enrolled device, retrieving user data associated with the user identifier; sending, to the untrusted device, a request for instructions to perform a checkout with the enrolled device; receiving, from the untrusted device, instructions to perform the checkout with the enrolled device; generating a request to perform the checkout with the enrolled device; and initiating a checkout by sending, to a communication system, a request to initiate a checkout with the enrolled device over a secure communications channel.

    METHOD AND SYSTEM FOR MERCHANT ACCEPTANCE OF CRYPTOCURRENCY VIA PAYMENT RAILS
    2.
    发明申请
    METHOD AND SYSTEM FOR MERCHANT ACCEPTANCE OF CRYPTOCURRENCY VIA PAYMENT RAILS 有权

    公开(公告)号：US20210406871A1

    公开(公告)日：2021-12-30

    申请号：US16946492

    申请日：2020-06-24

    申请人： MASTERCARD ASIA/PACIFIC PTE. LTD.

    发明人： Srinath Ravinathan ,  Donghao Huang

    IPC分类号： G06Q20/36 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/06 ,  G06Q20/38 ,  G06Q40/04 ,  H04L9/06 ,  H04L9/30 ,  H04L9/32

    摘要： A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; 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; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transaction is not required.

    METHOD AND SYSTEM FOR MERCHANT ACCEPTANCE OF CRYPTOCURRENCY VIA PAYMENT RAILS
    6.
    发明申请
    METHOD AND SYSTEM FOR MERCHANT ACCEPTANCE OF CRYPTOCURRENCY VIA PAYMENT RAILS 有权

    公开(公告)号：US20210406887A1

    公开(公告)日：2021-12-30

    申请号：US16946493

    申请日：2020-06-24

    申请人： MASTERCARD ASIA/PACIFIC PTE. LTD.

    发明人： Srinath Ravinathan ,  Donghao Huang

    IPC分类号： G06Q20/40 ,  H04L9/06 ,  G06Q20/38 ,  G06Q20/06

    摘要： 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.

    Electronic system and computerized method for controlling operation of service devices
    8.
    发明授权
    Electronic system and computerized method for controlling operation of service devices 有权

    公开(公告)号：US11783309B2

    公开(公告)日：2023-10-10

    申请号：US17100089

    申请日：2020-11-20

    申请人： Mastercard Asia/Pacific PTE. LTD.

    发明人： Srinath Ravinathan ,  Donghao Huang ,  Bensam Joyson

    IPC分类号： G06Q20/12 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/02

    CPC分类号： G06Q20/127 ,  G06Q20/02 ,  G06Q20/385 ,  G06Q20/40

    摘要： The present disclosure generally relates to controlling operation of service devices. A payment network server receives, from a merchant aggregator, an operation request from a user for operation of one or more service of the devices associated with the merchant aggregator, the operation request comprising identification data of each service device, an operation mode selected by the user for each service device, and a payment token of the user; identifies, based on the identification data of each service device, a device server communicatively connected with the service device; communicates, to the respective device servers, operation instructions for controlling access to the service devices, the instructions comprising activating the service devices, thereby permitting the user to access the service devices; determining a payment amount for operation of the service devices requested in the operation request based at least on the selected operation modes; and processing a payment transaction for paying the payment amount to the merchant aggregator using the payment token.

    Method and system for validation of identity of a user during a digital payment process
    9.
    发明授权
    Method and system for validation of identity of a user during a digital payment process 有权

    公开(公告)号：US11636482B2

    公开(公告)日：2023-04-25

    申请号：US17322428

    申请日：2021-05-17

    申请人： MASTERCARD ASIA/PACIFIC PTE. LTD.

    发明人： Srinath Ravinathan

    IPC分类号： G06Q20/40 ,  G06Q20/38 ,  H04L9/32 ,  G06V40/50 ,  G06V40/16

    摘要： A method for validation of identity of a user during a digital payment process comprises: receiving a user identifier; determining, based on the user identifier, that the user is enrolled for biometric authentication; transmitting, to a mobile device associated with the user identifier, a push notification, said push notification causing an authenticator application executing on the mobile device to initiate a biometric authentication process; receiving a result of said biometric authentication process; and transmitting authentication data, based on said result, to a transaction initiation system to trigger completion of the digital payment process.

    Method and System for Payment Device-Based Access
    10.
    发明申请
    Method and System for Payment Device-Based Access 有权

    公开(公告)号：US20230092733A1

    公开(公告)日：2023-03-23

    申请号：US17949187

    申请日：2022-09-20

    申请人： Mastercard Asia/Pacific pTE. LTD.

    发明人： Srinath Ravinathan ,  Donghao Huang ,  Dendy Gunawan ,  Karl Cheng ,  Hancong Guan ,  Phuoc Hoang Long Le

    IPC分类号： G06Q20/40 ,  G06Q20/38

    摘要： An access control method comprises: providing access profiles for users, wherein each access profile comprises an access profile identifier and at least one personal identifier mapped to one or more obfuscated payment numbers, and wherein each of the at least one personal identifiers is a non-payment identifier issued by an identity provider;
    receiving, from a terminal of a service provider, a request to validate permission for a user of a payment device to access a resource made available by the service provider, the request comprising an obfuscated payment number read by the terminal from the payment device; determining whether there is a match of the obfuscated payment number read by the terminal and one of the obfuscated payment numbers of the access profiles; and transmitting at least one of the identifiers of the matched access profile to the service provider for matching to a stored identifier associated with the resource.