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:
Jan. 09, 2024
Filed:
Jul. 31, 2020
Mastercard International Incorporated, Purchase, NY (US);
Manoneet Kohli, White Plains, NY (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer. Thereafter, the processor(s) receive from a device associated with the issuer, approval of the transaction, and transmit approval information to the enrolled mobile computing device for notifying the merchant that the transaction is approved.