公开(公告)号：US12244589B2

公开(公告)日：2025-03-04

申请号：US17473630

申请日：2021-09-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sumeet Bhatt ,  Ashfaq Kamal

IPC: H04L29/06 ,  G06Q50/26 ,  H04L9/08 ,  H04L9/40 ,  H04W12/06 ,  G06Q20/34 ,  G06Q20/40 ,  H04W12/65

Abstract: Systems and methods are provided for enabling, providing, and managing digital identities in association with mobile devices. One example method includes determining, by a mobile device, that identity data of a user is changed, and prompting the user to identify a third party separate from the mobile device to authenticate the user. The method also includes requesting the third party to authenticate the user, and causing an authentication interface of the third party to be displayed at the mobile device where the authentication interface solicits login credentials for an account of the user at the third party. The method then includes granting, by the mobile device, access to one or more aspects of a mobile application installed at the mobile device, in response to an indication of a successful authentication of the user from the third party.

公开(公告)号：US12112359B2

公开(公告)日：2024-10-08

申请号：US18144299

申请日：2023-05-08

Applicant: Mastercard International Incorporated

Inventor： Viviane Sabat ,  Andrea Christine Gilman ,  Jennifer Wang ,  Abhinav Bhatt ,  Chhomthyda Chhuan ,  Daniel Bae ,  Alonso Araujo ,  James Nicholas Mortimer ,  Monica Taylor ,  Eitan Ahimor ,  Christopher Murray ,  Mark N. Savoye ,  Robert Pacifico ,  Ashfaq Kamal ,  Karan Sharma

IPC: G06Q30/04 ,  G06F16/25 ,  G06Q10/083 ,  G06Q10/0875 ,  G06Q10/1093 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/03 ,  G06F3/04883

CPC classification number: G06Q30/04 ,  G06F16/258 ,  G06Q10/0838 ,  G06Q10/0875 ,  G06Q10/1095 ,  G06Q20/108 ,  G06Q20/401 ,  G06Q30/0635 ,  G06Q40/03 ,  G06F3/04883

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

公开(公告)号：US11157905B2

公开(公告)日：2021-10-26

申请号：US14839234

申请日：2015-08-28

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Bob Reany ,  Gregory D. Williamson

IPC: G06Q20/40 ,  G06Q20/32

Abstract: A secure on-device cardholder authentication method and system. In an embodiment, a consumer's mobile device uses a mobile application to receive a user authentication request from an entity. A biometric data capture request is then transmitted to a biometric sensor of the mobile device, and a determination made that the mobile application is authorized to use an authenticator API. Next, the mobile device processor prompts the user to provide at least one form of biometric data in accordance with business rules, receives a user authentication response when the user provided biometric data matches locally stored biometric data, generates a positive user authentication response message, and transmits the positive user authentication response message to the entity.

公开(公告)号：US11100503B2

公开(公告)日：2021-08-24

申请号：US15891062

申请日：2018-02-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ranjita Shankar Iyer ,  Robert D. Reany ,  Ashfaq Kamal

IPC: G06Q20/40 ,  G06Q20/38 ,  H04L9/32 ,  H04L9/08

Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the messaging includes a changed attribute for the user. The method also includes generating a hash of a digital identity for the user with the changed attribute, generating a hash of the digital identity of the user stored in a ledger data structure, and transmitting a request for the user to attest to the changed attribute when the generated hashes do not match. The method then further includes broadcasting a pending status of the digital identity of the user to a relying party for the digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

公开(公告)号：US20190320039A1

公开(公告)日：2019-10-17

申请号：US16382521

申请日：2019-04-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ashfaq Kamal

IPC: H04L29/08 ,  H04L29/06

Abstract: Systems, devices and methods are described herein for providing digital identities. One exemplary device includes a portable communication device having non-transitory computer executable native code, which configures the portable communication device to facilitate storing of a digital ID token for a user in memory of the portable communication device, as part of a setup procedure of the portable communication device associated with an initial startup of the portable communication device by the user or a startup of the device after a factory reset, whereby the digital ID token is provisioned to the portable communication device, either in dependence of or apart from any application downloaded to the communication device after the setup procedure.

公开(公告)号：US10404464B2

公开(公告)日：2019-09-03

申请号：US15242774

申请日：2016-08-22

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal

IPC: H04L9/32

Abstract: A method for registration of a biometric template in a computing device includes: storing, in a first memory of a computing device, a biometric module; receiving, by an input device of the computing device, biometric data of a user; generating, by the biometric module of the computing device, a template based on the biometric data; generating, by a generation module of the computing device, a cryptographic key pair comprised of a private key and a corresponding public key using an encryption algorithm; encrypting, by an encryption module of the computing device, the generated template using the private key; storing, in a second memory of the computing device, the private key, wherein the second memory is a trusted execution environment; and storing, in the computing device, the encrypted template.

公开(公告)号：US20190199714A1

公开(公告)日：2019-06-27

申请号：US15853648

申请日：2017-12-22

Applicant: Mastercard International Incorporated

Inventor： Ashfaq Kamal ,  Sumeet Bhatt ,  Robert D. Reany

IPC: H04L29/06 ,  G06Q20/20

CPC classification number: H04L63/0861 ,  G06Q20/20 ,  H04L63/0823

Abstract: Systems and methods are provided for use in provisioning a biometric image template of a user to a card device associated with the user. One exemplary method includes authenticating, by a card device, a portable communication device associated with the user based on a certificate associated with the portable communication device and receiving, at the card device, a biometric image of the user from the portable communication device after the portable communication device is authenticated. The method then includes storing, by the card device, the biometric image of the user in a memory of the card device as a biometric image template of the user, whereby the user may be authenticated, by the card device, based on a subsequent biometric image matching the biometric image template.

公开(公告)号：US20190089702A1

公开(公告)日：2019-03-21

申请号：US16134348

申请日：2018-09-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sumeet Bhatt ,  Ashfaq Kamal

IPC: H04L29/06 ,  H04W12/06 ,  H04L9/08 ,  G06Q50/26

Abstract: Systems and methods are provided for use in enabling, providing, and managing digital identities in association with mobile communication devices. One exemplary method includes capturing an image of a physical document comprising a biometric of a user associated with the physical document, and extracting the biometric from the image and converting it to a biometric template. The method also includes capturing a biometric of the user and comparing it to the biometric template. The method then includes, when the captured biometric matches the biometric template, transmitting a message to an identification provider comprising at least the image of the physical document and the biometric template, whereby the biometric template is verified against a repository, and binding data representative of the mobile communication device, a mobile application included therein, and the biometric template and/or the captured biometric of the user into a token.

公开(公告)号：US20160086172A1

公开(公告)日：2016-03-24

申请号：US14492337

申请日：2014-09-22

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Gregory D. Williamson ,  Bob Reany

IPC: G06Q20/38 ,  G06Q20/32 ,  G06Q20/26 ,  G06Q20/40 ,  G06Q20/24

CPC classification number: G06Q20/3829 ,  G06F21/62 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/40145

Abstract: According to some embodiments, a requesting application executing on a mobile device may request a transport layer security key pair in connection with a payment transaction. Responsive to the request, a trusted execution environment client of the mobile device may route a request to a payment application executing in a secure trusted execution environment of the mobile device. It may then be arranged, within the secure trusted execution environment, to create the transport layer security key pair and provide key pair to the requesting application. Moreover, in some embodiments, the mobile device may transmit payment transaction information to an access control server and receive a request for biometric authentication. It may then be arranged for hardware within the mobile device to biometrically authenticate a user of the mobile device.

Abstract translation: 根据一些实施例，在移动设备上执行的请求应用可以与支付交易相关联地请求传输层安全密钥对。 响应于该请求，移动设备的可信赖执行环境客户端可以将请求路由到在移动设备的安全可信执行环境中执行的支付应用。 然后，可以在安全的受信任的执行环境内设置创建传输层安全密钥对，并向请求应用提供密钥对。 此外，在一些实施例中，移动设备可以向接入控制服务器发送支付交易信息，并且接收对生物认证的请求。 然后可以将移动设备内的硬件设置为对移动设备的用户进行生物测量认证。

公开(公告)号：US20160005038A1

公开(公告)日：2016-01-07

申请号：US14789361

申请日：2015-07-01

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Gregory D. Williamson

IPC: G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/405 ,  G06Q20/3223 ,  G06Q20/40 ,  G09C1/00

Abstract: Systems and methods for multi-factor user authentication techniques usable in transactions. In some embodiments, an authentication platform receives a request to authenticate a user in conjunction with an online transaction and determines an authentication rule. The authentication platform then transmits an authentication request to the user's mobile device, receives authentication response data from the user mobile device, and authenticates the user in conjunction with the transaction when the authentication response data matches stored user authentication data. An authentication message is then transmitted to the user's mobile device. In some embodiments, the authentication response data is biometric data of the user obtained from at least one authenticator of the user's mobile device.

Abstract translation: 用于交易的多因素用户认证技术的系统和方法。 在一些实施例中，认证平台接收与在线事务一起认证用户的请求，并确定认证规则。 然后，认证平台向用户的移动设备发送认证请求，从用户移动设备接收认证响应数据，并且当认证响应数据与存储的用户认证数据匹配时，结合事务认证用户。 然后将认证消息发送到用户的移动设备。 在一些实施例中，认证响应数据是从用户的移动设备的至少一个认证器获得的用户的生物测定数据。