Mastercard Asia/pacific Pte. Ltd.

Mastercard International Incorporated

Shiying Lian

Donghao Huang

Zunhua Wang

Hui Fang

Jiaming Li

Bensam Joyson

Dipali Pathrabe

Xijing Wang

Naman Aggarwal

Lalit Manchanda

Srinatha Ravinathan

Anupam Sharma

The present disclosure generally relates to electronic systems and computerized methods for verification of transacting parties to process transactions. A payment network server receives details of a transaction fulfilled by an agent and generates a transaction identification plaintext. A first party keyset for the first transacting party and an agent keyset for the agent is identified. The server generates cryptograms and ciphertexts encrypted by the first party keyset and agent keyset and sends the cryptograms to the first transacting party and agent. An encrypted cryptogram contains an encrypted ciphertext which contains a plaintext representing the transaction identification plaintext. The ciphertexts are exchanged between the first transacting party and agent by a computer handshake for decryption. The plaintexts are extracted from the ciphertexts and compared against the transaction identification plaintext for verifying the first transacting party and agent.

Electronic system and computerized method for verification of transacting parties to process transactions

A system for providing a service at a self-service machine having a device identifier and that does not have internet connectivity or that is in an off-line state includes: a validation server that stores the device identifier, the validation server being in communication with a mobile device of a user, but not with the self-service machine. The self-service machine is configured to: receive a selection of a service; generate a service request identifier for the selected service; add the service request identifier to a list of service requests to be fulfilled; and communicate, to the mobile device by a first direct communication method, service request data including the service request identifier, a terminal identifier of the self-service machine, and an address of a validation server.

Method and system for providing a service at a self-service machine

Mobile payment systems and methods for vending machines can include a mobile payment system comprising: a vending server module that is configured to: generate a unique session identifier in response to receipt of a unique machine identifier associated with a vending machine and a price of a product to be purchased from the vending machine; receive a mobile payment request from a mobile device, the mobile payment request comprising payment credentials, the unique session identifier, the unique machine identifier and the price of the product; and generate a vending authorization message on a condition that the mobile payment request is approved, the vending authorization message comprising instructions for the vending machine to dispense the product.

Mobile payment systems and methods for vending machines

A method for remote authentication aided by an audio signal includes: storing, in a memory of a computing device, at least first authentication data; receiving, by a first input device of the computing device, an audio signal electronically transmitted by a separate computing system; decoding, by a decoding module of the computing device, the received audio signal to identify a server identification value; receiving, by a second input device of the computing device, second authentication data submitted by a user of the computing device; authenticating, by an authentication module of the computing device, the received second authentication data based on the stored first authentication data; and electronically transmitting, by a transmitting device of the computing device, a result of the authentication and a profile identifier to an external processing server based on the server identification value.

Method and system for authentication via audio transmission

A method includes a voice-activated device establishing a communication channel with a mobile device through a communication interface, receiving a voice command of a user to perform an action, determining, in response to the voice command, the action based at least in part on the voice command, and outputting an audible response corresponding to the determined action. During outputting of the audible response, visual data that includes a representation of the determined action is displayed on the mobile device. The user is enabled to validate or modify the visual data via a user interface of the mobile device.

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Singapore, Singapore

Shiying Lian