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. 06, 2026
Filed:
Oct. 09, 2020
Mastercard International Incorporated, Purchase, NY (US);
Nilesh Tulsidas Upadhye, Chelmsford, GB;
Joseph D. Hayes, Montclair, NJ (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
Through the described PII secure P2P payment technology, a P2P payment can be made using a token PAN, allowing for a single product to be used for contactless, e-commerce, and P2P payments. When an account or payment card is digitized using an enhanced processing platform, a token PAN is issued which can be used for P2P payments. The token PAN allows for a P2P payment to made without sharing PII data. The platform can receive, from a sender AHI system, a P2P transfer advice request comprising at least a sender token PAN and a receiver token PAN. The platform can identify from a token vault a sender account number using the sender token PAN and a receiver account number using the receiver token PAN. The platform can communicate, to the sender AHI system, an account authorization message comprising at least the sender account number and the receiver account number.