Mastercard International Incorporated

Anthony Lopreiato

Colin Tanner

Sapankumar K Mandloi

Abhinava Srivastava

Kuljot Singh Anand

Aaron Concannon

Mohamed Abouelenin

Systems and methods for use in tokenization are disclosed. One example method includes receiving a request to provision a biometric for biometric transactions to a payment account where, the request includes a cryptogram associated with a transaction to said payment account and/or a transaction ID for the transaction. The method also includes checking with an issuer whether the payment account is supported for biometric transactions, receiving an indicator of eligibility, and then requesting a biometric from the user. The method further includes receiving biometric data indicative of the user's biometric, and transmitting a request to the issuer to enable biometric transactions for the payment account.

Systems and methods relating to tokenization

A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Method and system for contactless transactions without user credentials

Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry the consumer's NFC-enabled mobile device, and/or to troubleshoot NFC communications problems of the mobile device. In an embodiment, a NFC test apparatus includes a mobile device package, at least one NFC tag configured for communications with NFC circuitry of a mobile device, and a support substrate that has an indicator to ensure correct positioning of the mobile device during a self-testing procedure. In some embodiments, the NFC tag is located on the mobile device package so that an orientation of the mobile device is known during a portion of the mobile device self-testing procedure, and the support substrate is configure for supporting the mobile device during the self-testing procedure.

Methods and apparatus for consumer testing of an NFC device

Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry of his or her NFC-enabled mobile device, and/or to troubleshoot wireless (NFC) communications problems of the mobile device. In an embodiment, a method includes initializing, by a mobile device processor, a NFC test application, displaying on a mobile device display screen a prompt for the consumer to position the mobile device onto a test platform that includes at least one NFC tag, initializing the NFC circuitry of the mobile device to power and communicate with the at least one NFC tag, and displaying an indication on the mobile device display screen concerning functionality of the NFC circuitry.

Growing community of inventors

Avon, CT, United States of America

Anthony Lopreiato