发明名称 METHOD AND APPARATUS FOR STREAMLINED DIGITAL WALLET TRANSACTIONS
摘要 A method includes maintaining a digital wallet in a computer, and receiving a request for a transaction. The computer may receive and verify user authentication data, and then allow the user to access any payment card account in the digital wallet without requiring additional user authentication, regardless of the account selected for the transaction by the user. In some embodiments, cryptogram generation may be performed with an EMV server in association with the digital wallet, to enhance the level of security assurance for merchants, issuers and users.
申请公布号 US2016092878(A1) 申请公布日期 2016.03.31
申请号 US201514621123 申请日期 2015.02.12
申请人 MasterCard International Incorporated 发明人 Radu Cristian;Main Jonathan James;Alger Eric G.
分类号 G06Q20/40;G06Q20/36 主分类号 G06Q20/40
代理机构 代理人
主权项 1. A method comprising: maintaining a digital wallet in a computer, the digital wallet storing a plurality of payment account entries associated with a user of the digital wallet, each of said payment account entries corresponding to a respective payment account that belongs to said user; receiving a request for a transaction; receiving and verifying, by the computer, user authentication data regarding the user and the requested transaction; and in response to verifying the user authentication data, allowing the user to access any one of said payment accounts without requiring further user authentication.
地址 Purchase NY US
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