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公开(公告)号：US10861454B2
公开(公告)日：2020-12-08
申请号：US16006214
申请日：2018-06-12
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Zunhua Wang , Hui Fang , Shiying Lian
Abstract: A method includes a voice-activated device establishing a communication channel with a mobile device through a communication interface, receiving a voice command of a user to perform an action, determining, in response to the voice command, the action based at least in part on the voice command, and outputting an audible response corresponding to the determined action. During outputting of the audible response, visual data that includes a representation of the determined action is displayed on the mobile device. The user is enabled to validate or modify the visual data via a user interface of the mobile device.
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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：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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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：US11044251B2
公开(公告)日：2021-06-22
申请号：US16000440
申请日：2018-06-05
Applicant: Mastercard Asia/Pacific Pte. Ltd.
Inventor： Shiying Lian , Donghao Huang , Naman Aggarwal
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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Patent Agency Ranking
公开(公告)号：US20210133740A1
公开(公告)日：2021-05-06
申请号：US17087229
申请日：2020-11-02
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Zunhua Wang , Srinatha Ravinathan , Donghao Huang , Shiying Lian
Abstract: A system for providing a service at a self-service machine having a device identifier and that does not have internet connectivity or that is in an off-line state includes: a validation server that stores the device identifier, the validation server being in communication with a mobile device of a user, but not with the self-service machine. The self-service machine is configured to: receive a selection of a service; generate a service request identifier for the selected service; add the service request identifier to a list of service requests to be fulfilled; and communicate, to the mobile device by a first direct communication method, service request data including the service request identifier, a terminal identifier of the self-service machine, and an address of a validation server.
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公开(公告)号：US11615406B2
公开(公告)日：2023-03-28
申请号：US17087229
申请日：2020-11-02
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Zunhua Wang , Srinatha Ravinathan , Donghao Huang , Shiying Lian
Abstract: A system for providing a service at a self-service machine having a device identifier and that does not have internet connectivity or that is in an off-line state includes: a validation server that stores the device identifier, the validation server being in communication with a mobile device of a user, but not with the self-service machine. The self-service machine is configured to: receive a selection of a service; generate a service request identifier for the selected service; add the service request identifier to a list of service requests to be fulfilled; and communicate, to the mobile device by a first direct communication method, service request data including the service request identifier, a terminal identifier of the self-service machine, and an address of a validation server.
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公开(公告)号：US11257055B2
公开(公告)日：2022-02-22
申请号：US15950818
申请日：2018-04-11
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Jiaming Li , Shiying Lian , Zunhua Wang
Abstract: Mobile payment systems and methods for vending machines can include a mobile payment system comprising: a vending server module that is configured to: generate a unique session identifier in response to receipt of a unique machine identifier associated with a vending machine and a price of a product to be purchased from the vending machine; receive a mobile payment request from a mobile device, the mobile payment request comprising payment credentials, the unique session identifier, the unique machine identifier and the price of the product; and generate a vending authorization message on a condition that the mobile payment request is approved, the vending authorization message comprising instructions for the vending machine to dispense the product.
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公开(公告)号：US20190378505A1
公开(公告)日：2019-12-12
申请号：US16006214
申请日：2018-06-12
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Zunhua Wang , Hui Fang , Shiying Lian
Abstract: A method includes a voice-activated device stablishing a communication channel with a mobile device through a communication interface, receiving a voice command of a user to perform an action, determining, in response to the voice command, the action based at least in part on the voice command, and outputting an audible response corresponding to the determined action. During outputting of the audible response, visual data that includes a representation of the determined action is displayed on the mobile device. The user is enabled to validate or modify the visual data via a user interface of the mobile device.
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公开(公告)号：US20190251539A1
公开(公告)日：2019-08-15
申请号：US16256706
申请日：2019-01-24
Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventor： Bensam Joyson , Xijing Wang , Donghao Huang , Teck Yong Tan , Hao Tang , Muhammad Azeem , Zunhua Wang , Anupam Sharma , Shiying Lian
CPC classification number: G06Q20/208 , B25J11/0005 , G06Q20/204 , G06Q20/206 , G06Q20/40145 , G10L15/26
Abstract: The present disclosure relates to methods and systems for conducting a transaction. The method comprises the steps of pairing a multi-sensory interactive point of sale with a mobile device at a first time. The step of pairing comprises the steps of receiving a transaction initiation instruction comprising identification data of a customer and an identifier associated with the multi-sensory interactive point of sale and transmitting authentication information to a mobile terminal registered to the customer based on the received identification data. The method further comprises the step of receiving a transaction selection. The method further comprises the step of processing a payment at a second time, wherein receiving the transaction selection occurs between the first time and the second time. The step of processing the payment comprises the steps of receiving a checkout request to the payment for the transaction, the checkout request comprising a sensory authentication input, and authorising the transaction based on a comparison between the received sensory authentication input and the authentication information transmitted to the registered mobile terminal.
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