Mastercard International Incorporated

Bertrand Saby

Ilgin Safak

Vincent Barnaud

Carlos Aguado

Fonseca Tomas Pereira Carvalho Rui

Jean-Robert Raynier

Ramon Freire

Samuel Alcazar

A method for processing a plurality of electronic messages comprises, at a messaging hub comprising at least one processor and a memory device in communication with the at least one processor: receiving data relating to at least one rule to be satisfied by combining at least part of the content of respective messages; receiving one or more intent messages followed by one verification message; and, upon receiving a message: updating, in the memory device, intent message data or verification message data depending on the message content; determining from the intent message data and/or the verification message data if the at least one rule has been satisfied; providing a first indication when the at least one rule has been satisfied by the verification message data alone; and providing a second, different, indication when the at least one rule has been satisfied otherwise.

Apparatus and method for processing electronic messages

A payment token is generated within a token bank identification number (BIN) range, and is linked with an underlying account number of a consumer. A first instance of the token is made available in at least one of a first portable electronic device, a first mobile payment application (MPA), and a first web wallet of the consumer with an associated first primary account sequence number (PSN). A second instance of the token is made available in at least one of a second portable electronic device, a second mobile payment application (MPA), and a second web wallet of the consumer with an associated second primary account sequence number (PSN).

Bin-conserving tokenization techniques generating tokens in reverse order and employing common device pan with differing pan sequence number values across token instances

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Madrid, Spain

Bertrand Saby