Mastercard International Incorporated

Asif Kadiwala

Nirmish Dholakia

Asheesh Agarwal

Gaurav Anilkumar Dayal

Vinesh Gaadhe

Hemant Bhanushali

PiyushKumar Mistry

Sekhar Palli

Harsh Tak

Sunil Mishra

Chao Zeng

A server and method for sending a transaction receipt via a push notification is provided. The server comprises at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to: receive, from an issuer server, an approval message approving the user-initiated transaction request and transaction receipt details indicating a completion of the user-initiated transaction request, the user-initiated transaction request having corresponding transaction request details including a unique device identifier identifying a payment device that has been used to initiate the user-initiated transaction request; encrypt the transaction receipt details to provide encrypted transaction receipt details; and push, to the payment device identified by the unique device identifier, the encrypted transaction receipt details via a push notification channel.

Server and method for sending a transaction receipt via a push notification

Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.

Methods and systems for enhancing online payment transaction experience

An application system for authenticating a contactless payment transaction is described, the application system comprising: (i) a verification module configured to receive, from an operating system, a cipher if a customer is authenticated; and (ii) an access module configured to: (a) instruct the operating system to use the cipher to decrypt a transaction personal identification number (PIN) which is stored in a local database in an encrypted form; (b) receive the transaction PIN once decrypted; and (c) use the transaction PIN to access a token, the token being associated with payment details for processing the payment transaction.

Computer system and computer-implemented method for authenticating a contactless payment transaction

According to an embodiment, there is provided a method for authorizing use of an application on a device. The method includes: identifying a plurality of device identifiers of the device; determining authorization information based on predetermined one or more of the plurality of device identifiers; and determining authorization for use of the application on the device in response to the authorization information.

Methods for authorizing use of an application on a device

Systems and methods provide multi-function authentication. One exemplary method includes receiving a request to opt into multi-function authentication. A primary operation-based key is generated by the communication device, the operation-based key accessible based on authentication of the user and available for use after the authentication. The primary key is imported, by an application, into a secure key data structure, such that it is only accessible by the application. When the biometric authentication of the user is successful, the communication device transmits to an account server an indication that the user is eligible for multi-function authentication. The communication device receives a time-based secondary key from the account server, wherein the time-based key is useable only during a defined interval. The application links the secondary key to the primary key and imports the secondary key into the data structure such that it is only accessible via the primary key.

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Vadodara, India

Asif Kadiwala