Mastercard International Incorporated

Sachin Ahuja

Keyur Patel

Nili Klenoff

David Lim

Grant Gortsema

Heinz Ramin Gallenbacher

Vasily Giria

Ryan Watkins

Edward Neil Livingston

Michael D McCarthy

Holger Kunkat

Hemant Bhanushali

A method for identification and distribution of a personalized image. As disclosed, the method involves a processing server receiving an image request from a web server. The image request includes at least a device identifier and an originating address. The processing server electronically transmits a data request to a computing device associated with the device identifier, and receives a data file from the computing device. The data file includes one or more data values associated with an electronic wallet. The processing server executes a query to identify an image file based on the data values included in the received data file. Additionally, the processing server electronically transmits the identified image file to the web server in response to the received image request.

Method and system for dynamic display of personalized images

Briefly, embodiments are directed to a system, method, and article for receiving an authorization request message for a remote commerce transaction with a particular merchant, where the authorization request message comprises a merchant universal payment identifier (MuPi). The MuPi may be extracted from the authorization request message. Validation information may be determined for the MuPi. A message may be transmitted to a payment network to enable authorization of the remote commerce transaction at least partially in response to the determination of the validation information.

Merchant universal payment identifier system

Payment authentication using OS-based (operating system-based) and issuer-based authenticator applications is provided. The described authenticator applications perform processes including managing a resource with information about registered users; receiving user identifiable information; authenticating a user using the user identifiable information and the information stored in the resource; upon authenticating the user using the user identifiable information and the information stored in the resource, generating a key tied to existing biometric authentication of the user and mapped to the user identifiable information; and communicating with a support server to provide the key and a notification of a potential transaction.

Payment authentication using OS-based and issuer-based authenticator applications

An identity authority computing device having a processor in communication with a database is described herein. The database stores a plurality of persistent user identifiers associated with a plurality of users. The processor is programmed to receive a service request over a public network, the service request including a service provider identifier and a single-use token value associated with one of the users. The processor is also programmed to determine at least one persistent user identifier associated in the database with the token value, and generate an updated service request including the at least one persistent user identifier. The processor further is programmed to generate an encrypted service request using a public encryption key associated with the service provider identifier, and transmit the encrypted service request to a service provider computing device associated with the service provider identifier.

Systems and methods for real-time identity verification using a token code

Some embodiments may provide systems, methods and computer program code to facilitate a secure remote transaction and may include detecting an event identifying initiation of a checkout process involving a transaction between a consumer and a merchant, identifying a secure remote commerce system to use in facilitating the transaction, the secure remote commerce system storing a consumer profile including information identifying at least a first payment card of the consumer. In some embodiments, a checkout user interface displayed to the consumer is modified based on information from the consumer profile to display information associated with the at least one payment card. A checkout request from the consumer and a payload is obtained from the secure remote commerce system including information identifying the at least first payment card, the merchant and transaction details. The payload is used to complete a transaction authorization request with a payment network.

Systems and methods for secure remote commerce

Systems and methods are provided for facilitating network transactions. One exemplary method includes converting, by a communication device, a request from a remote payment initiator associated with a merchant into a message to a payment network, via a software development kit (SDK) executed by a web browser of the communication device. The request is associated with a transaction to a payment account and includes at least one of: a browser cookie, a payment account number associated with the payment account, a card ID for the payment account, and a payment ID for the transaction. And, the message includes the at least one of: the browser cookie, the payment account number, the card ID, and the payment ID.

Growing community of inventors

Millstone Township, NJ, United States of America

Sachin Ahuja