Systems and methods for securely opening APIS with cardholder authentication and consent

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 12205082
APP PUB NO 20220108309A1
SERIAL NO

17490413

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

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Patent Owner(s)

Patent OwnerAddress
MASTERCARD INTERNATIONAL INCORPORATED2000 PURCHASE STREET PURCHASE NY 10577

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Cummins, Oran Dublin, IE 33 978
Hirpara, Piyushkumar Kanubhai Dublin, IE 5 7
Hoole, Michael Epsom, GB 4 7
Hosny, Ahmed Dublin, IE 36 189
Hosp, Adam Kenneth Lake St. Louis, US 30 476
Krauth, Kosta New York, US 5 15
Lone, Ishfaq Dublin, IE 6 7
Vicente, Marco Dublin, IE 4 7

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