Granted Patent B2

US 12,731,130 · App. 18/422,279 · Granted Sep 8, 2026

Inventors: Mohammed Sadiq Ahmad (Dublin, CA); Saravana Perumal Shanmugam (Fremont, CA)

Assignee: MASTERCARD INTERNATIONAL INCORPORATED

G06Q20/3672G06Q20/341G06Q20/3825G06Q20/3829G06Q20/389G06Q20/401

Abstract

Claims (51)

1 . A method for registration of an identified blockchain wallet using a payment card, comprising:

receiving, by a receiver of a computing device, payment details for a payment card issued to a consumer for a transaction account, the payment details including at least a card identifier, wherein the payment details are received from one of: an integrated circuit payment card and a financial application program executing on the computing device;

receiving, by the receiver of the computing device, wallet details for a blockchain wallet, the wallet details including at least a wallet identifier;

transmitting, by a transmitter of the computing device, a new blockchain wallet generation request to one of: the integrated circuit payment card and the financial application program;

creating, by one of the integrated circuit payment card and the financial application program, the new blockchain wallet by generating a cryptographic key pair;

upon creating the new blockchain wallet, disabling, by one of the integrated circuit payment card and the financial application program, the new blockchain wallet such that the new blockchain wallet is unable to be used until an activation instruction is received;

transmitting, by a transmitter of the computing device, at least the card identifier and the wallet identifier to an activation server, wherein the activation server stores an association between the wallet identifier and the transaction account and transmits an activation message to the computing device;

receiving, by the receiver of the computing device, the activation message from the activation server; and

in response to receiving the activation message from the activation server, generating, by processor of the computing device, an unlock instruction for unlocking the new blockchain wallet;

transmitting, by the transmitter of the computing device, the unlock instruction to the integrated circuit payment card or the financial application program; and

in response to receiving the unlock instruction, unlocking, by the integrated circuit payment card or the financial application program, the new blockchain wallet, enabling use of a private key of the cryptographic key pair associated with the blockchain wallet for use in blockchain transactions.

2 . The method of claim 1 , wherein the wallet identifier is a public key of the cryptographic key pair associated with the blockchain wallet.

3 . The method of claim 1 , wherein

the activation message includes a digital signature generated by the activation server using a private key of a second cryptographic key pair, and

the method further comprises:

validating, by a processor of the computing device, the digital signature using a public key of the second cryptographic key pair.

4 . The method of claim 3 , further comprising:

transmitting, by the transmitter of the computing device, a validation message to the activation server upon successful validation of the digital signature.

5 . The method of claim 3 , wherein the instruction is transmitted to the integrated circuit payment card or the financial application program after successful validation of the digital signature.

6 . The method of claim 1 , wherein the wallet details are generated by the integrated circuit payment card or financial application program.

7 . The method of claim 6 , further comprising:

receiving, by an input device of the computing device, a request from a user of the computing device for generation of the blockchain wallet; and

transmitting, by the transmitter of the computing device, an instruction to the integrated circuit payment card or the financial application program to generate the wallet details as a result of the received request.

8 . The method of claim 1 , wherein the computing device is one of: a mobile computing device, a smart phone, an automated teller machine, and the integrated circuit payment card.

9 . A system for registration of an identified blockchain wallet using a payment card, comprising:

an activation server;

a computing device; and

one of: an integrated circuit payment card and a financial application program, wherein

the computing device includes

a receiver

receiving payment details for a payment card issued to a consumer for a transaction account, the payment details including at least a card identifier, wherein the payment details are received from the integrated circuit payment card or the financial application program, and

receiving wallet details for a blockchain wallet, the wallet details including at least a wallet identifier,

a transmitter transmitting a new blockchain wallet generation request to one of the: integrated circuit payment card and the financial application program, and

a processor,

wherein one of the integrated circuit payment card and the financial application program (i) creates the new blockchain wallet by generating a cryptographic key pair, and (ii) upon creating the new blockchain wallet, disables the new blockchain wallet such that the new blockchain wallet is unable to be used until an activation instruction is received,

wherein the transmitter, of the computing device further (i) transmits at least the card identifier and the wallet identifier to an activation server, wherein the activation server stores an association between the wallet identifier and the transaction account, and (ii) transmits an activation message to the computing device,

wherein the receiver of the computing device further receives the activation message from the activation server,

wherein the processor of the computing device, in response to receiving the activation message, generates an unlock instruction for unlocking the new blockchain wallet;

wherein the transmitter of the computing device further transmits the unlock instruction to the integrated circuit payment card or the financial application program; and

wherein, in response to receiving the unlock instruction, at least one of the integrated circuit payment card and the financial application program unlocks the new blockchain wallet, enabling use of a private key of the cryptographic key pair associated with the blockchain wallet for use in blockchain transactions.

10 . The system of claim 9 , wherein the wallet identifier is a public key of the cryptographic key pair associated with the blockchain wallet.

11 . The system of claim 9 , wherein

the activation message includes a digital signature generated by the activation server using a private key of a second cryptographic key pair, and

the computing device further includes a processor validating the digital signature using a public key of the second cryptographic key pair.

12 . The system of claim 11 , wherein the transmitter of the computing device transmits a validation message to the activation server upon successful validation of the digital signature.

13 . The system of claim 11 , wherein the instruction is transmitted to the integrated circuit payment card or the financial application program after successful validation of the digital signature.

14 . The system of claim 9 , wherein the wallet details are generated by the integrated circuit payment card or financial application program.

15 . The system of claim 14 , wherein

the computing device further includes an input device receiving a request from a user of the computing device for generation of the blockchain wallet, and

the transmitter of the computing device transmits an instruction to the integrated circuit payment card or the financial application program to generate the wallet details as a result of the received request.

16 . The system of claim 9 , wherein the computing device is one of: a mobile computing device, a smart phone, an automated teller machine, and the integrated circuit payment card.

Assignments (1)

Continuity (2)

References Cited (14)