US Patent Application 18190086. CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT simplified abstract

CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT

Organization Name

Mastercard International Incorporated

Inventor(s)

Michael D. Mccarthy of Denver CO (US)

Harjender Singh of Singapore (SG)

Holger Kunkat of Neumuenster (DE)

Tomasz Blachowicz of Lodz (PL)

Edward Neil Livingston of Dunfermline (GB)

Krunal Bhayani of Union City NJ (US)

Maurice David Liscia of Long Island City NY (US)

Manu Dharmaiah Kallugudde of Jersey City NJ (US)

Pablo Fourez of Harrison NY (US)

CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT - A simplified explanation of the abstract

This abstract first appeared for US patent application 18190086 titled 'CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT

Simplified Explanation

- The patent application is about improving consumer identity validation (CIV) in payment infrastructure. - It allows consumers to validate their identity more efficiently by using their last used payment card or account. - This eliminates the need for consumers to go through the entire validation process for each transaction at the same merchant with the same card. - This reduces strain on the payment infrastructure and prevents degradation. - It allows for the allocation of fewer computing resources to CIV, making it easier to deploy and maintain low-power or constrained equipment. - This improves scalability and efficiency of individual CIV performance. - It reduces the overall computing resources and energy required for CIV across the infrastructure. - It enables more CIV transactions to be processed in parallel, reducing processing delays, improving stability, and reducing error rates.

Original Abstract Submitted

Examples provide consumer identity validation (CIV) via last used payment card, improving management of payment infrastructure resources. Examples enable the consumer to more efficiently complete CIV via at least one of a last used account or a last used card. By not requiring consumers to repeatedly go through the entire CIV process at each transaction at the same merchant when using the exact same card they used on a previous visit, excessive and unnecessary strain on the infrastructure is reduced, preventing degradation of the infrastructure. This enables allocating fewer computing resources to CIV, making deployments utilizing low-power or otherwise constrained equipment simpler and easier to maintain. Thus, scaling is enhanced. Individual CIV performance is more efficient, and less computing resources and energy are required across the entire infrastructure. A greater number of CIV transactions are executable in parallel, reducing transaction processing delays, bolstering stability, and reducing error rates.