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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.:

US 12307424 B1

PDFFull Text
Date of Patent:
May. 20, 2025

Filed:

Sep. 30, 2021

Systems and methods for multi access channels for authentication and consents

Applicant:

Mastercard International Incorporated, Purchase, NY (US);

Inventors:

Adam Kenneth Hosp, Lake St. Louis, MO (US);

Oran Cummins, Dublin, IE;

Michael Hoole, Epsom, GB;

Ahmed Hosny, Dublin, IE;

Ishfaq Lone, Dublin, IE;

Marco Vicente, Dublin, IE;

Piyushkumar Kanubhai Hirpara, Dublin, IE;

Kosta Krauth, New York, NY (US);

Assignee:

Mastercard International Incorporated, Purchase, NY (US);

Attorney:

Hovey Williams LLP

Primary Examiner:

David P Sharvin

Assistant Examiner:

Steven R Chism

Int. Cl.
CPC ...
G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); G06Q 40/02 (2023.01); H04L 9/40 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/02 (2013.01); G06Q 20/3255 (2013.01); G06Q 20/34 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/385 (2013.01); G06Q 20/401 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/40975 (2013.01); G06Q 20/42 (2013.01); G06Q 40/02 (2013.01); H04L 63/083 (2013.01);
Abstract

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

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