Mastercard International Incorporated

Ishfaq Lone

Ahmed Hosny

Piyushkumar Kanubhai Hirpara

Adam Kenneth Hosp

Oran Cummins

Michael Hoole

Kosta Krauth

Marco Vicente

Ramson Tutte

Marcia Mora

Karl Ingram

The invention provides a method for transmission of sensitive information via an untrusted party. The sensitive information is held by a trusted computer and is transmitted via an untrusted computer to a recipient computer. Before transmission, the trusted computer encrypts the sensitive information using an encryption key that is associated with the recipient computer. The untrusted computer does not have access to a corresponding decryption key and is therefore unable to decrypt the sensitive information. The recipient computer is able to decrypt the encrypted sensitive information using a decryption key that it has access to and is thus able to gain access to the sensitive information without further communication with the trusted computer. This method has utility in payment transactions, particularly e-commerce transactions.

Secure transmission of sensitive data over an electronic network

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

Systems and methods for multi access channels for authentication and consents

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

Systems and methods for securely opening APIS with cardholder authentication and consent

A server to process a tab for a customer at a merchant premises may provide a list of candidate merchant premises to a customer mobile device, receive a signal indicating a user selection of one of the candidate merchant premises, receive payment card details for the customer mobile device, obtain a specific code for a tab at the selected merchant premises, send to the customer mobile device the specific code, receive a signal from a Point of Sale (POS) terminal of the selected merchant premises, associate the customer mobile device with an open tab maintained by the POS terminal, receive from the POS terminal at least one identifier and amount for each purchase of the open tab, request payment of at least a portion of a balance of the open tab from a payment gateway using the payment card details, and notify the POS terminal of the payment.

Server for processing a tab for a customer at a merchant premises

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Dublin, Ireland

Ishfaq Lone