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User authentication and transaction staging

A user authentication, user technology, applied in the direction of digital data authentication, electronic vouchers, data processing applications, etc.

Pending Publication Date: 2020-05-29
MASTERCARD INT INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] Therefore, there is still room for improvement in current electronic payment methods

Method used

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  • User authentication and transaction staging
  • User authentication and transaction staging
  • User authentication and transaction staging

Examples

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Embodiment Construction

[0041] The claimed method provides a payment solution using optical code scanning and integration into applications.

[0042] The adopted method of performing electronic payment involves using an electronic wallet for safer and more convenient payment transactions. The claimed method involves generating and displaying an optical code comprising payment transaction credentials on a user device. Optical codes may be non-complex graphical symbols containing encoded information, such as optical glyphs or one-dimensional or multi-dimensional barcodes. Once the optical code is displayed, it can be scanned by a merchant device to perform a payment transaction. However, if a near field communication (NFC) signal is detected, the NFC contactless payment can take precedence over the scanning of the optical code to perform the payment transaction. For example, if an NFC signal is detected, the optical code can be removed from the screen and a regular contactless payment transaction can...

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Abstract

There is presented a method and a computing device for user authentication and transaction staging on a user device. The method comprises authenticating a user of the user device by a first device verification method and generating transaction credentials at the user device. The method further comprises generating at least one optical code data corresponding to the transaction credentials and displaying the at least one optical code on the user device in a form suitable for scanning by a second device to progress a transaction with the second device.

Description

[0001] Cross References to Related Applications [0002] This application claims the benefit and priority of European Patent Application No. 17196489.3 filed on October 13, 2017. The entire disclosure of the above application is incorporated herein by reference. technical field [0003] This disclosure relates particularly, but not exclusively, to user authentication and transaction staging on computing devices. Aspects of the disclosure relate to methods and computing devices. Background technique [0004] It is now common to conduct payment transactions electronically, such as by using, for example, a debit card, credit card or e-wallet on a mobile device. Currently, two main types of electronic payment transactions dominate the payment landscape when using a debit or credit card: magnetic stripe transactions and Europay, MasterCard and Visa (EMV) transactions. Magnetic stripe transactions involve the use of cards on a strip of magnetic material (magnetic stripe) that i...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/36G06Q20/38
CPCG06Q20/36G06Q20/3674G06Q20/3821G06Q20/3274G06Q2220/00H04L9/50G06Q20/4012G06Q20/40145G06F21/36G06K7/1417H04W12/06
Inventor F·哈伊陈宽华D·A·罗伯茨
Owner MASTERCARD INT INC