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.

Date of Patent:
Jul. 12, 2022

Filed:

Oct. 01, 2020
Applicant:

Mastercard International Incorporated, Purchase, NY (US);

Inventors:

Simon Phillips, York, GB;

Patrik Smets, Nijlen, BE;

Alan Johnson, Maldon, GB;

Assignee:
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06N 20/00 (2019.01); G06Q 20/36 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/3224 (2013.01); G06N 20/00 (2019.01); G06Q 20/3226 (2013.01); G06Q 20/367 (2013.01); G06Q 20/401 (2013.01);
Abstract

Pursuant to some embodiments, systems, methods and computer program code are provided for receiving a transaction request message, the transaction request message specifying transaction attributes for a proposed payment transaction involving a user of a mobile device and a merchant, comparing the transaction attributes with a permitted transaction rule, the permitted transaction rule having been stored in the mobile device prior to receiving the transaction request message, approving the proposed transaction upon determining that the transaction attributes satisfy the permitted transaction rule, the approving including generating a transaction cryptogram, and transmitting the transaction cryptogram to the merchant for use in completing the proposed payment transaction.


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