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:
Nov. 28, 2023
Filed:
Nov. 13, 2019
Mastercard International Incorporated, Purchase, NY (US);
Mehdi Collinge, Mont-Sainte-Aldegonde, BE;
Susan Thompson, Nantwich, GB;
Patrik Smets, Nijlen, BE;
David Anthony Roberts, Cheshire, GB;
Michael Christopher Ward, Somerset, GB;
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
A system and method for generating and provisioning payment credentials to a mobile device lacking a secure element includes receiving and storing by the mobile device a card profile from a remote system. The card profile may include payment credentials corresponding to a payment account and a profile identifier. The mobile device may receive a mobile personal identification number (PIN) input by a user of the mobile device and transmit a key request to the remote system. The mobile device may receive a single use key which may include an application transaction counter and a generating key from the remote system. The mobile device may generate a payment cryptogram valid for a single financial transaction based on the received single use key and the mobile PIN and transmit the payment credentials and the generated payment cryptogram to a point-of-sale terminal for use in a financial transaction.