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. 10, 2026
Filed:
Aug. 20, 2025
Mastercard International Incorporated, Purchase, NY (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
In some aspects, the techniques described herein relate to a payment device that can generate a biometric cryptogram for the transaction, wherein the instructions to generate the biometric cryptogram direct the payment device to: receive biometric data of a user; generate a biometric master key using the biometric data; generate a payment device biometric key using the biometric master key, a personal account number (PAN) of the payment device stored at the secure storage element of the payment device, and a PAN sequence number stored at the secure storage element of the payment device; generate a biometric session key using the payment device biometric key and an application transaction counter (ATC) count; and generate the biometric cryptogram for the transaction using the biometric session key; and provide the biometric cryptogram for the transaction to a point-of-sale (POS) system for authorization of the transaction.
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