US 11,868,981 B2
System and method to support payment acceptance capability for merchants
Manoneet Kohli, White Plains, NY (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Jul. 31, 2020, as Appl. No. 16/944,726.
Claims priority of provisional application 62/882,331, filed on Aug. 2, 2019.
Prior Publication US 2021/0035083 A1, Feb. 4, 2021
Int. Cl. G06Q 20/20 (2012.01)
CPC G06Q 20/206 (2013.01) [G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
providing, by an information processor to a plurality of mobile computing devices, software having instructions that, when executed, configure the plurality of mobile computing devices;
receiving, by the information processor from one configured mobile computing device of the plurality of mobile computing devices, an encrypted transaction payload including transaction information representing at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer, wherein the transaction payload is encrypted using at least an original equipment manufacturer (“OEM”) device credential associated with the one configured mobile computing device;
decrypting, by the information processor, the transaction payload using at least the OEM device credential associated with the one configured mobile computing device;
determining among a plurality of issuers, by the information processor, an issuer of the transaction account and a predetermined payment service provider;
validating, by the information processor, information in the encrypted transaction payload by transmitting at least some of the information in the transaction payload to a computing device associated with the issuer of the transaction account and receiving, in response from the computing device associated with the issuer, an issuer credential;
encrypting, by the information processor, the transaction payload using the issuer credential;
transmitting, by the information processor via the predetermined payment service provider, the transaction payload that is encrypted with the issuer credential to the computing device associated with the issuer;
receiving, by the information processor from the computing device associated with the issuer, approval of the transaction; and
transmitting, by the information processor, approval information to the one configured mobile computing device for notifying the merchant that the transaction is approved.