公开(公告)号：US20180167386A1

公开(公告)日：2018-06-14

申请号：US15583147

申请日：2017-05-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sumeet Bhatt ,  Ashfaq Kamal

IPC: H04L29/06

Abstract: Systems, methods, and non-transitory computer readable media decentralizes biometric enrollment. A server receives a request to enroll a user for biometric authentication in association with a unique ID, generates an activation code corresponding to the unique ID, and sends the activation code to the user. A user device receives and validates the activation code. If the activation code is valid, the user device is enabled to: capture at least one biometric image, and to send the biometric image to the server. The server receives at least one biometric image from the user device in response to the activation code and extracts features from at least one biometric image to generate a biometric template based upon the extracted features to enroll the user for biometric authentication without requiring the user to visit a central location to provide at least one biometric image.

公开(公告)号：US20180165676A1

公开(公告)日：2018-06-14

申请号：US15583085

申请日：2017-05-01

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

IPC: G06Q20/34 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/18

CPC classification number: H04L63/0861 ,  G06F16/955 ,  G06F21/32 ,  G06F2221/2117 ,  G06Q20/00 ,  G06Q20/1085 ,  G06Q20/18 ,  G06Q20/354 ,  G06Q20/40145 ,  H04L63/062 ,  H04L63/0853 ,  H04L63/0876 ,  H04L63/10

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.

公开(公告)号：US20160110752A1

公开(公告)日：2016-04-21

申请号：US14520265

申请日：2014-10-21

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 benefits to loyalty cardholders via loyalty card transactions are disclosed. In one example, the method includes receiving, by a loyalty program module, a message indicating that a loyalty card transaction has been initiated at a participating merchant site using a loyalty card associated with a cardholder account, wherein the cardholder account is enrolled in a loyalty benefit program managed via the loyalty program module, determining a loyalty level assigned to the cardholder account using information regarding the loyalty card transaction contained in the message, and utilizing the loyalty level assigned to the cardholder account to determine at least one merchant-specific differentiated benefit to be provided to a holder of the loyalty card, wherein each loyalty level includes at least one merchant-specific differentiated benefit designated by the participating partner merchant.

Abstract translation: 公开了通过会员卡交易为忠诚持卡人提供利益的方法，系统和计算机可读介质。 在一个示例中，该方法包括由忠诚度程序模块接收消息，该消息指示使用与持卡人账户相关联的会员卡在参与商户站点处已经启动了会员卡交易，其中持卡人账户被注册为忠诚度 通过忠诚度计划模块管理的收益计划，使用关于包含在消息中的忠诚卡交易的信息来确定分配给持卡人账户的忠诚度水平，以及利用分配给持卡人账户的忠诚度水平来确定至少一个特定商户的差异收益 提供给忠诚卡的持有者，其中每个忠诚度级别包括由参与伙伴商家指定的至少一个特定商户的差异收益。