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21.发明申请Systems and Methods for Verifying Users, in Connection With Transactions Using Payment Devices 审中-公开用于验证用户的系统和方法，与使用支付设备的交易相关联公开(公告)号：US20160364730A1
公开(公告)日：2016-12-15
申请号：US15178061
申请日：2016-06-09
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jean-Paul Edmond Rans , Sumeet Bhatt
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.
Abstract translation: 公开了使用支付设备验证与交易有关的用户的系统和方法。 一种示例性方法通常包括从终端接收与支付应用相关联的AID的选择命令，并且作为响应，由支付设备的安全芯片启动由终端上电安全芯片之后的定时器。 该方法还包括根据支付应用在生物测量传感器处捕获用户的生物特征，以及基于参考生物特征数据，由安全芯片验证捕获的生物特征。 该方法还包括当定时器未到达并且所检测到的生物特征被验证时，将第一值附加到CVR并将第一AFL返回到终端，并且当定时器到期时，向CVR附加不同的值并返回 不同的AFL到终端。
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22.发明申请Systems and Methods for Verifying Users, in Connection With Transactions Using Payment Devices 审中-公开用于验证用户的系统和方法，与使用支付设备的交易相关联公开(公告)号：US20160364703A1
公开(公告)日：2016-12-15
申请号：US15061077
申请日：2016-03-04
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , John Beric , Jean-Louis Rouquet , Jean-Paul Edmond Rans
CPC classification number: G06Q20/105 , G06Q20/38215 , G06Q20/401 , G06Q20/40145 , G06Q2220/00
Abstract: Systems and methods for verifying users in connection with transactions using payment devices, by which benefits are distributed, are disclosed. One exemplary method generally includes initiating a timer after power-up of a security chip by a terminal, capturing a biometric of a user, at a biometric sensor associated with the security chip, and comparing, by the security chip, the captured biometric to a reference biometric. When the time is unexpired, and the captured biometric matches the reference biometric, the method includes launching a biometric application, whereby the terminal appends a first account number to an authorization request for a transaction to the payment account, when the timer is expired, the method includes launching a standard payment application, whereby the terminal includes a second account number in an authorization request for a transaction to the payment account, the first account number is different than the second account number.
Abstract translation: 公开了利用支付设备验证与交易有关的用户的系统和方法。 一个示例性方法通常包括在通过终端启动安全芯片之后启动定时器，在与安全芯片相关联的生物测量传感器处捕获用户的生物特征，并将所捕获的生物特征与安全芯片进行比较 参考生物识别。 当时间未到期并且所捕获的生物特征与参考生物特征匹配时，该方法包括启动生物特征应用，由此终端将第一帐号追加到支付帐户的交易的授权请求，当定时器到期时， 方法包括启动标准支付应用程序，由此终端在支付帐户的交易的授权请求中包括第二帐号，第一帐号不同于第二帐号。
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公开(公告)号：US11916901B2
公开(公告)日：2024-02-27
申请号：US17579219
申请日：2022-01-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal , Robert D. Reany
CPC classification number: H04L63/0861 , G06F16/955 , G06F21/32 , G06Q20/00 , G06Q20/40145 , H04L63/0853 , H04L63/10 , G06F2221/2117 , G06Q20/1085 , G06Q20/18 , G06Q20/354 , H04L63/062 , H04L63/0876
Abstract: Systems, methods, and non-transitory computer readable media relate to smartcard biometric enrollment. In an embodiment that does not require a user to visit a central location to provide fingerprint images, an activation code corresponding to a unique ID that uniquely identifies a user of a service is generated and sent to the user. In response, at least one finger image is received from a user device. The image is processed to isolate a fingerprint image, which is used to generate a biometric template that is sent to a smartcard manufacturer and used to configure a smartcard for biometric authentication of the user. In another embodiment, a kiosk/ATM provides smartcard biometric enrollment by detecting a smartcard in the smartcard reader, verifying an ID of a user associated with the smartcard, capturing a biometric image from the user, processing the biometric image to generate a biometric template, and storing the biometric template on the smartcard.
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24.发明申请公开(公告)号：US20230119751A1
公开(公告)日：2023-04-20
申请号：US18084397
申请日：2022-12-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jean-Paul Edmond Rans , Sumeet Bhatt
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.
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25.发明授权公开(公告)号：US11568412B2
公开(公告)日：2023-01-31
申请号：US17080196
申请日：2020-10-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jean-Paul Edmond Rans , Sumeet Bhatt
Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.
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Patent Agency Ranking
公开(公告)号：US11252150B2
公开(公告)日：2022-02-15
申请号：US15583085
申请日：2017-05-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal , Robert D. Reany
Abstract: Systems, methods, and non-transitory computer readable media relate to smartcard biometric enrollment. In an embodiment that does not require a user to visit a central location to provide fingerprint images, an activation code corresponding to a unique ID that uniquely identifies a user of a service is generated and sent to the user. In response, at least one finger image is received from a user device. The image is processed to isolate a fingerprint image, which is used to generate a biometric template that is sent to a smartcard manufacturer and used to configure a smartcard for biometric authentication of the user. In another embodiment, a kiosk/ATM provides smartcard biometric enrollment by detecting a smartcard in the smartcard reader, verifying an ID of a user associated with the smartcard, capturing a biometric image from the user, processing the biometric image to generate a biometric template, and storing the biometric template on the smartcard.
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公开(公告)号：US10937267B2
公开(公告)日：2021-03-02
申请号：US16841115
申请日：2020-04-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
IPC: G06K5/00 , G07F7/10 , H04L29/06 , H04L9/32 , H04L9/08 , G06K9/00 , G06Q20/32 , G06Q20/34 , G06Q20/10 , H04W4/80 , G07C9/25 , H04W12/06 , G07C9/26
Abstract: Systems and methods are provided for use in provisioning digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of a user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, in response to the first biometric reference being stored 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 of the comparison of the first biometric to the first biometric reference and a second indicator of the comparison of the second biometric to the second biometric reference, and transmitting the response to the communication device.
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28.发明申请公开(公告)号：US20210049613A1
公开(公告)日：2021-02-18
申请号：US17080196
申请日：2020-10-26
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Jean-Paul Edmond Rans , Sumeet Bhatt
Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.
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公开(公告)号：US10650632B2
公开(公告)日：2020-05-12
申请号：US15853643
申请日：2017-12-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
IPC: G06K5/00 , G07F7/10 , G07C9/00 , H04L29/06 , H04L9/32 , H04L9/08 , G06K9/00 , G06Q20/32 , G06Q20/34 , G06Q20/10 , 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.
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公开(公告)号：US20190087825A1
公开(公告)日：2019-03-21
申请号：US16134371
申请日：2018-09-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal , Rajat Maheshwari
Abstract: Systems and methods are provided for use in provisioning a biometric template to a biometric device. One exemplary method includes interacting, at a terminal associated with a banking institution, with a biometric device associated with a user and capturing a biometric of the user. The method also includes transmitting, by the terminal, an image of the captured biometric to a repository including a data structure of multiple biometric references, thereby permitting the repository to confirm the captured biometric against one of the multiple biometric references associated with the user. The method further includes receiving, at the terminal, a confirmation of the captured biometric matching the one of the multiple biometric references, converting the captured biometric to a biometric template upon such confirmation, and provisioning the biometric template to the biometric device, thereby permitting the user to be authenticated in connection with a transaction using the biometric device.
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