The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 01, 2020
Filed:
Sep. 11, 2019
Mastercard International Incorporated, Purchase, NY (US);
Irina Singh, White Plains, NY (US);
Suman Rausaria, Ballwin, MO (US);
Shanthan Subramaniam, Baldwin Place, NY (US);
Sandeep Malhotra, Greenwich, CT (US);
Mastercard International Incorporated, Purchase, NY (US);
Abstract
Methods and apparatus for generating a secure QR code for use in a purchase transaction. In an embodiment, a directory service computer verifies the identity of a merchant by matching an acquirer financial institution (FI)-signed certificate and a stored certificate, wherein the acquirer FI-signed certificate was received from a merchant device along with a secure QR code request. The directory service computer then establishes an encrypted and Pinned SSL tunnel with the merchant device, receives a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID), updates an application transaction count (ATC) associated with the merchant, and generates and stores a secure one-way Hash value, generated by using a merchant identifier (ID), the transaction amount, the ATC, the UUID, and the transaction ID. The directory service computer next generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code to the merchant device for use in conducting a purchase transaction.