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1. 发明申请

US20140365370A1 SYSTEM AND METHOD OF CONDUCTING AN AUTHENTICATION TRANSACTION 审中-公开
标题翻译：导致认证交易的制度与方法
公开(公告)号：US20140365370A1
公开(公告)日：2014-12-11
申请号：US14301683
申请日：2014-06-11
申请人： MASTERCARD ASIA PACIFIC PTE. LTD.
发明人： Donghao HUANG , Bensam Joyson , Jie Zhang , Jasmine Ng , Ross Finch
IPC分类号： G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3278 , G06Q20/322 , G06Q20/38215 , G06Q20/40
摘要： A system and method of conducting an authentication transaction; and a near field communication (NFC) enabled mobile device for conducting the authentication transaction. The method includes the steps of: storing data associated with one or more authentication certificates in a secure element of the NFC enabled mobile device; sending the data associated with the one or more authentication certificates from the NFC enabled mobile device to a server via a NFC enabled transceiver; verifying the authenticity of the one or more authentication certificates at the server; and upon successful authentication, sending transaction data from the server to the NFC enabled mobile device via the NFC enabled transceiver.
摘要翻译：进行认证交易的系统和方法; 以及用于进行认证交易的近场通信（NFC）使能移动设备。该方法包括以下步骤：将与一个或多个认证证书相关联的数据存储在支持NFC的移动设备的安全元件中; 经由NFC启用的收发器将与所述一个或多个认证证书相关联的数据从NFC启用的移动设备发送到服务器; 验证服务器上的一个或多个认证证书的真实性; 并且在成功认证之后，经由NFC启用的收发器将交易数据从服务器发送到启用NFC的移动设备。

2. 发明申请

US20220405742A1 METHOD AND SYSTEM FOR MEDIATED CROSS LEDGER STABLE COIN ATOMIC SWAPS USING HASHLOCKS 有权
公开(公告)号：US20220405742A1
公开(公告)日：2022-12-22
申请号：US17350646
申请日：2021-06-17
申请人： MASTERCARD ASIA/PACIFIC PTE. LTD.
发明人： Srinath RAVINATHAN , Donghao HUANG , Hancong GUAN , Karl CHENG , Phuoc Hoang Long LE , Weiming MA
IPC分类号： G06Q20/38 , G06Q20/02 , G06Q20/40 , H04L9/32 , G06F16/23
摘要： A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.

3. 发明申请

US20170109746A1 METHOD AND SYSTEM FOR MANAGING PAYMENT TRANSACTIONS 审中-公开
公开(公告)号：US20170109746A1
公开(公告)日：2017-04-20
申请号：US15296563
申请日：2016-10-18
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： Krishnadas MOHANDAS , Donghao HUANG , Akshita GOYAL , Yulia SURYA , Yong How CHIN
IPC分类号： G06Q20/40 , G06Q20/10
CPC分类号： G06Q20/401 , G06Q20/102
摘要： A method for managing payment transactions between a merchant and a payment-service-provider (PSP) using a payment management device in communication with a memory device. Each payment transaction is initiated by a consumer using a payment card. It involves (a) sending, to a PSP device associated with the PSP, a request for an authorization for a payment transaction; (b) receiving, from the PSP device, authorization for the payment transaction; (c) saving, in the memory device, data relating to the consumer and the payment transaction on a condition that the authorization for the payment transaction is received from the PSP device; (d) repeating steps (a), (b) and (c) for each of the plurality of payment transactions for a pre-determined period of time; and (e) aggregating the plurality of payment transactions into an aggregated payment transaction based on the data relating to the consumer and each of the plurality of payment transactions.

4. 发明申请

US20220374896A1 Identity, Payment and Access Control System 有权
公开(公告)号：US20220374896A1
公开(公告)日：2022-11-24
申请号：US17746589
申请日：2022-05-17
申请人： Mastercard Asia/Pacific PTE LTD.
发明人： Weiming MA , Phuc Duyet BUI , Dendy GUNAWAN , Srinath RAVINATHAN , Xie ZHIJIAN , Bensam JOYSON , Rasika Chandana KARUNAPALA , Donghao HUANG , Paul KELLETT , James David SINTON
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/36
摘要： Various implementations described herein are directed to a method for providing identity, payment and/or access. A primary account number (PAN) is read from a card or token. A hashed PAN is generated. A transaction result is determined based on the hashed PAN.

5. 发明申请

US20170201377A1 METHOD FOR DYNAMIC AUTHENTICATION OF AN OBJECT 审中-公开
公开(公告)号：US20170201377A1
公开(公告)日：2017-07-13
申请号：US15401614
申请日：2017-01-09
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： Hao TANG , Xijing WANG , Senxian ZHUO , Yong-How CHIN , Jiaming LI , Bensam JOYSON , Donghao HUANG , Martin COLLINGS , Prashant SRIDHAR , Perry KICK
IPC分类号： H04L9/32 , H04W12/04 , H04W12/06 , H04L29/06
CPC分类号： H04L9/3247 , H04L9/12 , H04L9/3297 , H04L63/06 , H04L63/08 , H04L63/083 , H04L2209/805 , H04L2463/121 , H04W4/80 , H04W12/04 , H04W12/06 , H04W12/10
摘要： There is provided a data processor implemented method for dynamic authentication of an object. There is also provided non-transitory computer readable storage mediums and systems for carrying out dynamic authentication of an object.

6. 发明申请

US20150073999A1 METHOD AND SYSTEM FOR CONDUCTING A PAYMENT TRANSACTION AND CORRESPONDING DEVICES 审中-公开
标题翻译：用于执行付款交易和相关设备的方法和系统
公开(公告)号：US20150073999A1
公开(公告)日：2015-03-12
申请号：US14482414
申请日：2014-09-10
申请人： MASTERCARD ASIA PACIFIC PTE. LTD.
发明人： Adam Kenneth HOSP , Donghao HUANG , Jie ZHANG , Bensam JOYSON
IPC分类号： G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/38215 , G06Q20/204 , G06Q20/3278 , G06Q20/363
摘要： A method includes generating a token at a server device and transmitting the token from the server device to a payer device, the token corresponding to a payment account; receiving the token at the payer device and transmitting the token from the payer device to a payee device via a short-range wireless communication protocol; receiving the token at the payee device and transmitting the token with transaction data from the payee device to the server device, the transaction data corresponding to the payment transaction; and receiving the token with the transaction data at the server device and conducting the payment transaction at the server device using the transaction data and the payment account corresponding to the token.
摘要翻译：一种方法包括在服务器设备处生成令牌，并将令牌从服务器设备发送到付款机设备，该令牌对应于支付账户; 在所述付款机设备处接收所述令牌，并通过短距离无线通信协议将所述令牌从所述付款机设备发送到收款人设备; 在所述收款人设备处接收所述令牌，并将具有交易数据的所述令牌从所述收款人设备发送到所述服务器设备，所述交易数据对应于所述支付交易; 以及在所述服务器设备处接收到具有所述交易数据的所述令牌，并且使用所述交易数据和与所述令牌对应的支付账户在所述服务器设备处进行所述支付交易。

7. 发明申请

US20170061513A1 SYSTEM AND METHOD FOR FACILITATING USER IDENTIFICATION OF A PRODUCT 审中-公开
标题翻译：促进产品用户识别的系统和方法
公开(公告)号：US20170061513A1
公开(公告)日：2017-03-02
申请号：US15230877
申请日：2016-08-08
申请人： MASTERCARD ASIA/PACIFIC PTE LTD.
发明人： Jiaming LI , Jie ZHANG , Sin Jian TAN , Bensam JOYSON , Yong How CHIN , Donghao HUANG
IPC分类号： G06Q30/06 , G06K7/10
CPC分类号： G06Q30/0623
摘要： System and method for facilitating user identification of a product. The system includes: a receiver unit configured to receive a signal; a memory module in communication with the receiver unit, the memory module having stored thereon product data that is stored in association with a transmittable product identity, wherein the receiver unit is further configured to (i) convert the received signal into its corresponding transmittable product identity and (ii) retrieve the product data from the memory module based on a comparison between the stored transmittable product identity and the converted transmittable product identity; and an output unit configured to output the retrieved product data to a user for facilitating user identification of the product.
摘要翻译：促进用户识别产品的系统和方法。该系统包括：被配置为接收信号的接收器单元; 与所述接收器单元通信的存储器模块，所述存储器模块在其上存储有与可发送产品标识相关联地存储的产品数据，其中所述接收器单元还被配置为（i）将所接收的信号转换成其对应的可传输产品标识以及（ii）基于所存储的可发送商品身份与所转换的可发送商品身份之间的比较，从所述存储器模块检索所述商品数据; 以及输出单元，被配置为将所检索的产品数据输出到用户，以便于产品的用户识别。

8. 发明申请

US20160171457A1 ELECTRONIC PAYMENT SYSTEM 审中-公开
标题翻译：电子支付系统
公开(公告)号：US20160171457A1
公开(公告)日：2016-06-16
申请号：US14969323
申请日：2015-12-15
申请人： MasterCard Asia/Pacific Pte. Ltd.
发明人： Donghao HUANG , Bensam JOYSON , Zhiwei ZHOU , Jasmine NG
IPC分类号： G06Q20/10 , G06Q20/32
CPC分类号： G06Q20/10 , G06Q20/223 , G06Q20/3223
摘要： The present invention relates generally to cashless payment systems and, in particular, to an electronic payment system suitable for peer-to-peer payments. A transaction system comprising: a network connected device for receiving and communicating transaction data, the transaction data comprising data associated with payer account details, payee account details and a transaction value; and a payment server for receiving the transaction data from the network connected device, for facilitating a debit transaction to a first entity defined by the payer account details, and a credit transaction to a second entity defined by the payee account details, whereby the first entity debits a first account defined by the payer account details and the second entity credits a second account defined by the payee account details.
摘要翻译：本发明一般涉及无现金支付系统，尤其涉及适用于对等支付的电子支付系统。一种交易系统，包括：用于接收和传送交易数据的网络连接装置，所述交易数据包括与付款人账户明细相关联的数据，收款人账户详细信息和交易价值; 以及用于从所述网络连接设备接收所述交易数据的支付服务器，用于促进对由所述付款人帐户明细定义的第一实体的借记交易以及由所述收款人帐户细节定义的第二实体的信用交易，由此所述第一实体扣除由付款人帐户明细定义的第一个帐户，第二个实体记入由收款人帐户明细定义的第二个帐户。

9. 发明申请

US20210312431A1 METHOD AND SYSTEM FOR USE OF AN EMV CARD IN A MULTI-SIGNATURE WALLET FOR CRYPTOCURRENCY TRANSACTIONS 有权
公开(公告)号：US20210312431A1
公开(公告)日：2021-10-07
申请号：US16840566
申请日：2020-04-06
申请人： MASTERCARD ASIA/PACIFIC PTE. LTD.
发明人： Srinath RAVINATHAN , Bensam JOYSON , Donghao HUANG , Teck Yong TAN
IPC分类号： G06Q20/36 , G06F16/27 , G06Q20/38 , G06Q20/06 , G06Q20/34 , G06Q20/20
摘要： A method for carrying out a cryptocurrency blockchain transaction through an integrated circuit payment card using a multi-signature blockchain wallet includes: storing, in an integrated circuit of a payment card, a first private key of a first cryptographic key pair and a transaction account number; receiving, by the integrated circuit, a blockchain transaction from a point of sale device, the blockchain transaction including unspent transaction outputs, destination addresses, a cryptocurrency amount for each destination address, and a first digital signature generated using a second private key of a second cryptographic key pair; digitally signing, by the integrated circuit, the blockchain transaction using the first private key to generate a second digital signature; and transmitting, by the integrated circuit, the digitally signed blockchain transaction including the first digital signature and the second digital signature to the point of sale device.

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