Mastercard International Incorporated

First Data Corporation

Skyler Fox

Marek Kurylko

Eugene Reda

Vijay Kumar Royyuru

Joseph Damon Hayes

Benjamin Rewis

Lanny Byers

Renee Goodheart

Cindy White

Claire Venot

Liam Spence

Andres Mauricio Santamaria

Kelly Urban

Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is 'pushed' into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.

Instant digital issuance

A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.

Method and system for enabling e-commerce via digital wallets

Methods and systems for facilitating provisioning of consumer payment credentials to token requestors such as a digital wallet account or a merchant account are described. In an embodiment, a mobile device processor of a consumer mobile device running a token requestor application receives an indication of a selection by a consumer of an option to add a payment card to a merchant account, displays a list of issuer applications installed on the consumer mobile device that support pull provisioning on a display screen, and receives a selection of an issuer application and issuer application login information. The process also includes determining, by the mobile device processor, that the login information is correct, displaying a list of payment cards associated with the selected issuer application, receiving a selection of a payment card from the list of payment cards, and transmitting, while running the token requestor application, a push card message including payment card account credentials of the selected payment card to an issuer financial institution (FI) computer.

Methods and systems for provisioning consumer payment credentials to token requestors

Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session. The method also includes using the minimum session expense ratio and the quantification to determine an on-demand streaming payment amount and utilizing the user designated payment type to determine a manner of routing the on-demand streaming payment amount to a payment processing entity that is configured to facilitate a payment transaction.

Methods, systems, and computer readable media for electronically facilitating streaming payments

Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.

Systems and methods for use in verifying network identities

Growing community of inventors

Park Ridge, NJ, United States of America

Skyler Fox