Mastercard International Incorporated

Charles Sangwon Lee

Michael Jason Friedman

Thomas Veraart

Charl Frederik Botes

Danielle Jean Eininger

Gabriel Beltramino

Richard Cheng

Michael J Friedman

An ultra-wideband (UWB)-enabled payment acceptance system can include a UWB anchor and a terminal device. The UWB anchor identifies UWB-enabled devices within a vicinity; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device. The terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel. A UWB-enabled device includes a processor, storage, a battery, and a UWB chip. Instructions can be stored in the storage of the UWB-enabled device that when executed by the processor direct the UWB-enabled device to perform various processes supporting frictionless transactions, such as with respect to the UWB-enabled payment acceptance system.

Ultra-wideband-enabled devices and systems

Systems and methods are provided for provisioning data based on network messaging. One exemplary method includes passing, by a network computing device, a message to an institution where the message includes an account identifier for an account of a user and data of a first party. The data of the first party includes a code associated with a category of the first party and/or an identifier of the first party. The method also includes detecting, by a computing device, the message based on inclusion of the account identifier in the message and retrieving a control for the user based on the account identifier. The method then includes identifying, by the computing device, data for the user to be shared with the first party based on the data of the first party satisfying the control and sharing the identified data with the first party apart from the network computing device.

Systems and methods for use in provisioning data

A method and a system are provided for secure authorization of credentials using a voice enabled device. The user device encodes encrypted authorization credentials into an inaudible soundwave and emits the soundwave via a speaker to the voice enabled device. The voice enabled device, while in a listening state, detects the inaudible soundwave via a microphone. The voice enabled device decodes the inaudible soundwave and transmits the cryptographically secured authorization information by the payment card system.

System and method for authorizing credentials via a voice enabled device

A method and a system are provided for secure payment card transactions using a voice enabled device. The user device encodes a tokenized payment card transaction into an inaudible soundwave and emits the soundwave via a speaker to the voice enabled device. The voice enabled device, while in a listening state, detects the inaudible soundwave via a microphone. The voice enabled device decrypts the inaudible soundwave and transmits the decrypted tokenized payment for downstream processing by the payment card system.

Inaudible voice payment

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes requesting product data for a merchant, receiving the product data from the merchant, displaying the product data to a user at a vehicle, and receiving a selection of a product therefrom by the user. The method then includes creating an order object for the selected product and appending a vehicle signature, for the vehicle, to the order object. The vehicle signature may include a condition of the vehicle, a sound or vibration of the vehicle, and/or a vehicle identifier modified by an operator. The method then further includes matching the order object to a transaction object for the selected product based on the vehicle signature, and transmitting a purchase order to the merchant for the selected product, based on the order object and the transaction object.

Systems and methods for utilizing vehicle connectivity in association with payment transactions

Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

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Briarcliff Manor, NY, United States of America

Charles Sangwon Lee