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:
Aug. 11, 2026
Filed:
May. 22, 2024
Mastercard International Incorporated, Purchase, NY (US);
Mastercard International Incorporated, Purchase, NY (US);
Abstract
A computer-implemented method includes: receiving a signed challenge from a public key authenticator of a mobile device registered to a financial account of a user; receiving a transaction request and transaction data associated with the signed challenge; determining that the public key authenticator satisfies a basic integrity requirement; receiving stopgap authenticator data including device security data and one or more of the following: a user personal identifier, a user personal credential, transaction history data of the user, and behavioral biometrics data generated at the user mobile device; comparing the stopgap authenticator data to a hidden profile for the financial account to determine that a matching threshold is satisfied; based on the satisfaction of the matching threshold and of the basic integrity requirement, generating a stopgap authenticator token; and transmitting the stopgap authenticator token and the transaction data for real-time transaction approval.