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1. 发明申请

WO2016114721A1 METHOD AND SYSTEM FOR MAKING A SECURE PAYMENT TRANSACTION 审中-公开
标题翻译：制定安全付款交易的方法和系统
公开(公告)号：WO2016114721A1
公开(公告)日：2016-07-21
申请号：PCT/SG2016/050014
申请日：2016-01-14
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： VENUGOPALAN, Vijin , PRASHANT, Sharma , GILBEY, Benjamin
IPC分类号： G06Q20/22 , G06Q20/24
CPC分类号： G06Q20/3672 , G06Q20/3821 , G06Q20/385 , G06Q20/401 , G06Q20/425 , G06Q2220/00
摘要： A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.
摘要翻译：提出了一种方法和系统，用于使用与已经向数字钱包注册的消费者相关联的支付卡进行安全支付交易。响应于来自商家服务器的与消费者的请求，安排服务器从支付卡的数字钱包支付凭证中提取出来。安全服务器使用支付凭证和商家服务器的身份来生成令牌。令牌被提供给商家。为了实现支付交易，商家服务器将具有期望支付交易的细节的令牌返回到安全服务器，并且安全服务器安排支付交易发生，并通知商家服务器。商家服务器在此过程中不会收到支付卡的支付凭证，所以即使其安全性受到损害，支付凭证也不会处于危险之中。

2. 发明申请

WO2016182512A1 METHOD AND SYSTEM FOR REWARDING CUSTOMERS IN A TOKENIZED PAYMENT TRANSACTION 审中-公开
标题翻译：在付款交易中为客户量身打造的方法和系统
公开(公告)号：WO2016182512A1
公开(公告)日：2016-11-17
申请号：PCT/SG2016/050218
申请日：2016-05-11
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： HAYES, Joseph Damon , VENUGOPALAN, Vijin
IPC分类号： G06Q20/24 , G06Q20/38
CPC分类号： G06Q30/0226 , G06Q20/367 , G06Q20/3672
摘要： A method for processing an electronic transaction between a cardholder and a merchant using a payment card carried out over a payment network is provided. The method comprising receiving tokenization data, said tokenization data comprising identification data associated with a token representing payment data of the payment card, and issuer data indicative of rewards information associated with the payment card; receiving a rewards enquiry request from a merchant terminal, said rewards enquiry request comprising the token, the token being associated with the payment data for making the transaction; determining the rewards information associated with the rewards enquiry request using the tokenization data; and transmitting the rewards information to the merchant terminal for preparation of a transaction request to an acquirer using the rewards information. A system for performing the above method is also provided. A corresponding method performed by an issuer's server is also provided as well as an issuer's server.
摘要翻译：提供了一种使用在支付网络上执行的支付卡来处理持卡人和商家之间的电子交易的方法。所述方法包括接收令牌化数据，所述令牌化数据包括与表示支付卡的支付数据的令牌相关联的识别数据，以及指示与支付卡相关联的奖励信息的发行者数据; 收到来自商家终端的奖励查询请求，所述奖励查询请求包括令牌，令牌与用于进行交易的支付数据相关联; 使用所述令牌化数据确定与所述奖励查询请求相关联的所述奖励信息; 以及使用所述奖赏信息将收益信息发送给所述商户终端以准备交易请求给收单方。还提供了用于执行上述方法的系统。还提供了由发行者的服务器执行的相应方法以及发行者的服务器。

3. 发明申请

WO2018017014A1 COMPUTER DEVICE FOR MONITORING FOR FRAUDULENT ACTIVITY 审中-公开
标题翻译：用于监视欺诈活动的计算机设备
公开(公告)号：WO2018017014A1
公开(公告)日：2018-01-25
申请号：PCT/SG2017/050316
申请日：2017-06-26
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： FORTIN, Frederic , MAHESHWARI, Rajat , VENUGOPALAN, Vijin
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/3226 , G06Q20/40145 , G06Q20/405
摘要： A computer device for monitoring for fraudulent activity, including (a) a plurality of sensors; and (b) one or more processors in communication with the sensors and non-transitory data storage including, stored thereon, a plurality of instructions which, when executed, cause the one or more processors to perform the steps of (i) receiving instructions to determine a confidence level; (ii) determining a confidence level by monitoring one or more of the following: sensor data; user behaviour; payment history; security level; connected devices; and location data; and (ii) returning said confidence level, wherein the confidence level represents a relative risk of fraudulent activity.
摘要翻译：一种用于监视欺诈活动的计算机设备，包括：（a）多个传感器; （b）与所述传感器通信的一个或多个处理器以及包括其上存储的多个指令的非临时性数据存储器，所述多个指令在被执行时使得所述一个或多个处理器执行以下步骤：（i）确定一个置信水平; （ii）通过监测以下一项或多项来确定置信水平：传感器数据; 用户行为; 支付历史; 安全级别; 连接的设备; 和位置数据; 和（ii）返回所述置信水平，其中所述置信水平表示欺诈活动的相对风险。

4. 发明申请

WO2018004458A1 METHOD FOR EFFECTING AN AUTHENTICATION PROCEDURE ASSOCIATED WITH A SERVICE PROVIDER OR AN APPLICATION 审中-公开
标题翻译：用于影响与服务提供商或应用相关的认证过程的方法
公开(公告)号：WO2018004458A1
公开(公告)日：2018-01-04
申请号：PCT/SG2017/050315
申请日：2017-06-26
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： FORTIN, Frederic , MAHESHWARI, Rajat , VENUGOPALAN, Vijin
IPC分类号： G06F21/30 , G06F21/32 , G06Q20/40
摘要： A computer device for effecting an authentication procedure associated with a service provider or an application, including a plurality of sensors; and one or more processors in communication with the sensors and non-transitory data storage including, stored thereon, a plurality of instructions which, when executed, cause the one or more processors to perform the steps of (a) receiving an authentication procedure request; (b) determining a hierarchy of authentication processes for the authentication procedure; (c) selecting an authentication process from the hierarchy of authentication processes; and (d) executing the authentication process.
摘要翻译：一种用于实现与包括多个传感器的服务提供商或应用相关联的认证过程的计算机设备; 以及与所述传感器通信的一个或多个处理器以及包括其上存储的多个指令的非临时数据存储器，所述指令在被执行时使所述一个或多个处理器执行以下步骤：（a）接收认证过程请求; （b）确定认证过程的认证过程的层级; （c）从认证过程的层次结构中选择认证过程; 和（d）执行认证过程。

5. 发明申请

WO2018021965A1 A SYSTEM AND METHOD FOR MAKING PAYMENT WITHIN A DIGITAL MESSAGING ENVIRONMENT 审中-公开
标题翻译：一种在数字消息环境中制作支付的系统和方法
公开(公告)号：WO2018021965A1
公开(公告)日：2018-02-01
申请号：PCT/SG2017/050353
申请日：2017-07-13
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： MOHANDAS, Krishnadas , VENUGOPALAN, Vijin , GILBEY, Benjamin Charles
IPC分类号： G06Q20/08 , G06F17/27 , G06Q20/36
CPC分类号： G06Q20/3255 , G06Q20/12 , G06Q20/14 , G06Q20/16 , G06Q20/325
摘要： There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing predefined text in the digital messaging environment. Upon activation of payment process, a digital wallet would be used to transmit payment information to a payment system.
摘要翻译：提供了用于在数字消息传递环境中进行支付的系统和方法。支付可以在不退出数字消息环境的情况下进行，并且可以通过在数字消息环境中输入预定义的文本来激活。在激活支付过程后，将使用数字钱包将支付信息传输到支付系统。

6. 发明申请

WO2017078619A1 A METHOD AND SYSTEM FOR ACCUMULATING AND REDEEMING REWARDS USING DIGITAL WALLETS 审中-公开
标题翻译：使用数字钱包累积和兑换奖励的方法和系统
公开(公告)号：WO2017078619A1
公开(公告)日：2017-05-11
申请号：PCT/SG2016/050502
申请日：2016-10-12
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： VENUGOPALAN, Vijin , HAYES, Joseph , SHARMA, Prashant
IPC分类号： G06Q20/36 , G06Q30/02
CPC分类号： G06Q30/0238 , G06Q20/34 , G06Q20/36
摘要： A computer-implemented method for accumulating rewards for redemption is disclosed. The method comprises the steps of storing at a server a first digital wallet, where the first digital wallet is associated with a first standard rewards value, and storing at least one payment card number for a payment card issued by a first issuer where the first issuer has a first issuer server; receiving at the server a rewards value from the first issuer server; applying with the server a normalizing algorithm to the rewards value from the first issuer server to obtain a first normalized rewards value; and updating with the server the first standard rewards value by adding the first normalized rewards value to the first standard rewards value.
摘要翻译：公开了一种用于积累兑换奖励的计算机实现的方法。该方法包括以下步骤：在服务器处存储第一数字钱包，其中第一数字钱包与第一标准奖励值相关联，并且存储由第一发行者发行的支付卡的至少一个支付卡号码，其中第一发行者有第一个发行者服务器; 在服务器处从第一发行方服务器接收奖励值; 向服务器应用来自第一发行方服务器的奖励值的标准化算法以获得第一标准化奖励值; 并通过将第一标准化奖励值添加到第一标准奖励值来向服务器更新第一标准奖励值。

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