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：US20170046714A1

公开(公告)日：2017-02-16

申请号：US15234281

申请日：2016-08-11

Applicant: MasterCard International Incorporated

Inventor： Eddy Van de Velde ,  Mohamed Abou El Enin ,  Sumeet Bhatt

IPC: G06Q20/40 ,  H04L29/06

CPC classification number: G06Q20/40145 ,  G06F21/32 ,  G06F21/34 ,  G06Q20/322 ,  H04L9/3231 ,  H04L9/3234 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/0861 ,  H04W12/06

Abstract: A method of biometric verification is described involving interaction between a token and a terminal. The token stores, or has access to, stored user biometric data. The terminal has an associated biometric reader. User biometric data is captured at the biometric reader. The token then initiates comparison of the captured user biometric data with the stored user data to determine a match. The token provides a verification result to the terminal, wherein an action at the terminal may proceed if the verification result indicates a match between the captured user biometric data and the stored biometric data. Methods performed at the token and at the terminal are described, as are tokens and terminals adapted to perform the steps described.

Abstract translation: 描述了涉及令牌和终端之间的交互的生物特征验证的方法。 令牌存储或访问存储的用户生物特征数据。 终端具有相关联的生物识别读取器。 在生物识别读取器处捕获用户生物特征数据。 令牌然后启动所捕获的用户生物特征数据与存储的用户数据的比较以确定匹配。 令牌向终端提供验证结果，其中如果验证结果指示所捕获的用户生物特征数据与存储的生物特征数据之间的匹配，则终端处的动作可以进行。 描述在令牌和终端处执行的方法，以及适于执行所述步骤的令牌和终端。

公开(公告)号：US20160104186A1

公开(公告)日：2016-04-14

申请号：US14514317

申请日：2014-10-14

Applicant: MasterCard International Incorporated

Inventor： Stephen A. Parento ,  Sumeet Bhatt

IPC: G06Q30/02

CPC classification number: G06Q30/0226

Abstract: Methods, systems, and computer readable media for providing inflight benefits via purchase card transactions are disclosed. An exemplary method includes at an airline perk management module (APMM), receiving an indication that an airline ticket is purchased using a loyalty card corresponding to a passenger enrolled in an airline perk program, identifying at least one airline perk associated with an aircraft seat assignment corresponding to the purchased airline ticket, and notifying an inflight service provider to deliver, inflight, the at least one identified airline perk to a passenger having the aircraft seat assignment. An exemplary system includes at least one processor and memory, whereby APMM utilizes the at least one processor and the memory to notify a merchant airline to deliver the at least one airline perk to a passenger having a seat assignment on an airline, the airline ticket for the seat assignment being purchased using a loyalty card.

Abstract translation: 公开了用于通过购买卡交易提供机上利益的方法，系统和计算机可读介质。 一种示例性方法包括在航空公司管理模块（APMM）中，接收使用与登记在航空公司计划中的乘客相对应的会员卡来购买机票的指示，识别与飞机座位分配相关联的至少一个航空公司 对应于所购买的机票，并通知航空服务提供商将至少一个已识别的航空公司运送至飞行员座位分配的乘客。 一个示例性系统包括至少一个处理器和存储器，由此APMM利用至少一个处理器和存储器来通知商业航空公司将至少一个航空公司递送给在航空公司上具有座位分配的乘客， 使用会员卡购买座位。

公开(公告)号：US11995655B2

公开(公告)日：2024-05-28

申请号：US18084397

申请日：2022-12-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

CPC classification number: G06Q20/40145 ,  G06Q20/341 ,  G06Q20/3563 ,  G06Q20/3574 ,  G06Q20/38215

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.

公开(公告)号：US20210409397A1

公开(公告)日：2021-12-30

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 ,  H04W12/06

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：US11122036B2

公开(公告)日：2021-09-14

申请号：US16134348

申请日：2018-09-18

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sumeet Bhatt ,  Ashfaq Kamal

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

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：US10817878B2

公开(公告)日：2020-10-27

申请号：US15178061

申请日：2016-06-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

Abstract: Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. The method also includes capturing a biometric of a user, at a biometric sensor, according to the payment application, and verifying, by the security chip, the captured biometric based on reference biometric data. The method further includes, when the timer is unexpired and the captured biometric is verified, appending a first value to a CVR and returning a first AFL to the terminal, and when the timer is expired, appending a different value to the CVR and returning a different AFL to the terminal.

公开(公告)号：US20190197815A1

公开(公告)日：2019-06-27

申请号：US15853643

申请日：2017-12-22

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

IPC: G07F7/10 ,  G07C9/00 ,  H04L29/06 ,  H04L9/32 ,  H04L9/08 ,  G06K9/00 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/10 ,  H04W4/80

CPC classification number: G07F7/1008 ,  G06K9/00013 ,  G06K9/00255 ,  G06Q20/105 ,  G06Q20/3223 ,  G06Q20/341 ,  G07C9/00087 ,  G07C2009/00095 ,  H04L9/0861 ,  H04L9/3247 ,  H04L63/0823 ,  H04L63/0861 ,  H04W4/80 ,  H04W12/06

Abstract: Systems and methods are provided for use in providing digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of the user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, when the first biometric reference is stored in at the card device. The method also includes capturing, at the card device, a second biometric of the user and comparing the second biometric to a second biometric reference stored at the card device. The method further includes compiling a response to the authentication request including a first indicator associated with the comparison of the first biometric to the first biometric reference and a second indicator associated with the comparison of the second biometric to the second biometric reference, and transmitting the response to the communication device.

公开(公告)号：US20180219680A1

公开(公告)日：2018-08-02

申请号：US15422611

申请日：2017-02-02

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Sumeet Bhatt

IPC: H04L9/32 ,  G06K19/10 ,  H04L9/14 ,  H04L9/30 ,  H04L9/08

Abstract: Methods and systems for permitting sensitive cardholder data to be securely stored in a regular storage element of a smart transaction card. In an embodiment, a transaction card processor of the smart transaction card installs a security application compatible with the operating system of the smart transaction card and that includes a white box cardlet. The transaction card processor uses a code protection process of the white box cardlet to obfuscate biometric reference template data stored in the regular memory of a biometric sensor, next stores the obfuscated biometric reference template data in the regular memory, and then re-obfuscates the biometric reference template data at a predetermined time interval.