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公开(公告)号：US10298559B2
公开(公告)日：2019-05-21
申请号：US14078840
申请日：2013-11-13
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips
Abstract: A pre-authenticated token system includes an identification token having a switch, a transmitter and receiver circuit, and a sensor; a docking station having control circuitry, a transmit/receive circuit and an antenna; a personal computer; and an authentication server computer. The personal computer transmits security information to the authentication server, receives authentication information, and transmits an authentication signal to the docking station. The docking station receives the authentication signal, enters an authentication mode, and transmits the authentication signal to the identification token. The sensor of the identification token detects removal of the identification token from the user's body, and the switch then responds by disabling the identification token to prevent transmission of identification data.
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公开(公告)号：US09826341B2
公开(公告)日：2017-11-21
申请号：US15077031
申请日：2016-03-22
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips
CPC classification number: H04W4/008 , G06Q20/32 , G06Q20/3278 , G06Q30/0601 , H04W4/80
Abstract: The present disclosure relates to a method and system for provisioning a portable electronic device comprising a first short-range communications module, with content data from a networked remotely located content provider, using an electronic bridging device. The method comprises the steps of: establishing a first communication channel between a networked electronic bridging device and the portable electronic device, the electronic bridging device comprising a second short-range communications module, and the first communication channel being established using the first and second short-range communications module; establishing a second communication channel between the networked electronic bridging device and the networked remotely located content provider; provisioning the portable electronic device with the content data by transmitting the content data from the remotely located content provider to the portable electronic device using the first and second communication channels.
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公开(公告)号：US09792607B2
公开(公告)日：2017-10-17
申请号：US14277261
申请日：2014-05-14
Applicant: MasterCard International Incorporated
Inventor： Ian Maddocks , Simon Phillips , David A. Roberts , Mehdi Collinge , Sandra Jansen , Patrick Mestré
CPC classification number: G06Q20/4012 , G06Q20/322 , H04W12/04 , H04W12/06
Abstract: The present invention relates to a method and system for synchronizing a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server. The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value. The PIN value is recovered from the received request and stored at the remote server. An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device. The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.
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公开(公告)号：US09589258B2
公开(公告)日：2017-03-07
申请号：US14200442
申请日：2014-03-07
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
CPC classification number: G06Q20/206 , G06Q20/3226 , G06Q20/3229 , G06Q20/3278 , G06Q20/3437 , G06Q20/4012 , G06Q20/4016
Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.
Abstract translation: 移动设备包括壳体和安装在壳体中或外壳上的天线，用于与销售点（POS）终端交换交易信号。 移动设备还包括用户接口元件，耦合到天线的收发器以及包括处理电路和安全勾号计数器的安全元件。 安全元件存储可操作以在与销售点（POS）终端进行接口之前执行用户选择的预先签名过程的支付应用。 处理电路验证用户，获得第一刻度值，将移动设备设置为事务使能状态，当收发器与POS终端接口时，获得来自安全勾号计数器的当前刻度值，计算差值 在当前刻度值和第一个刻度值之间，并执行风险管理决策。
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35.发明申请USER AUTHENTICATION METHOD AND DEVICE FOR CREDENTIALS BACK-UP SERVICE TO MOBILE DEVICES 审中-公开用户认证方法和设备用于移动设备的备份服务公开(公告)号：US20170046715A1
公开(公告)日：2017-02-16
申请号：US15334800
申请日：2016-10-26
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Mark Britten , Mehdi Collinge
CPC classification number: G06Q20/4014 , G06F21/35 , G06Q20/322 , G06Q20/327 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/4012 , G06Q20/40145 , G06Q2220/00 , H04L9/3226 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04W12/06
Abstract: Back-up credentials data is stored for a user. A communication channel is established with a mobile device. A cryptogram is received from the mobile device, such that the cryptogram is relayed by the mobile device from an authentication device that interacted with the mobile device. The authentication device is associated with the user. The cryptogram is verified. In response to the verification of the cryptogram, the stored back-up credentials data is made accessible to the mobile device.
Abstract translation: 为用户存储备份凭据数据。 与移动设备建立通信信道。 从移动设备接收密码，使得密码由移动设备从与移动设备交互的认证设备中继。 认证设备与用户相关联。 验证密码。 响应密码的验证，存储的备份凭证数据使移动设备可访问。
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Patent Agency Ranking
36.发明申请SYSTEMS, METHODS, DEVICES, AND COMPUTER READABLE MEDIA FOR MONITORING PROXIMITY MOBILE PAYMENT TRANSACTIONS 审中-公开系统，方法，设备和计算机可读介质，用于监控近端移动支付交易公开(公告)号：US20160379200A1
公开(公告)日：2016-12-29
申请号：US15181665
申请日：2016-06-14
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips
CPC classification number: G06Q20/327 , G06Q20/202 , G06Q20/204 , G06Q20/3224 , G06Q20/3278 , G06Q20/4016 , G07F19/209
Abstract: Systems, methods, devices, and computer readable media for monitoring and guiding proximity mobile payment transactions are provided. Proximity mobile payment transactions conducted at a contactless point of sale terminal using mobile devices are monitored at a backend server. The backend server receives observational data captured during and concerning such proximity mobile payment transactions and analyses the received observational data to determine one or more characteristics common to at least some of the proximity mobile payment transactions. Based on the one or more characteristics, the backend server determines whether the contactless POS functions within predetermined operational parameters and may automatically issue a request for servicing the POS terminal if it is determined that the POS is not functioning within the predetermined operational parameters.
Abstract translation: 提供了用于监视和引导邻近移动支付交易的系统，方法，设备和计算机可读介质。 在后端服务器上监视在使用移动设备的非接触式销售点终端进行的接近移动支付交易。 后端服务器接收在该邻近移动支付交易期间捕获并涉及这种邻近移动支付交易的观测数据，并且分析所接收的观察数据以确定至少一些邻近移动支付交易共有的一个或多个特征。 基于一个或多个特征，后端服务器确定非接触POS是否在预定操作参数内起作用，并且如果确定POS在预定操作参数内不起作用，则可以自动发出对服务于POS终端的请求。
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公开(公告)号：US20160286342A1
公开(公告)日：2016-09-29
申请号：US15077031
申请日：2016-03-22
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips
CPC classification number: H04W4/008 , G06Q20/32 , G06Q20/3278 , G06Q30/0601 , H04W4/80
Abstract: The present disclosure relates to a method and system for provisioning a portable electronic device comprising a first short-range communications module, with content data from a networked remotely located content provider, using an electronic bridging device. The method comprises the steps of: establishing a first communication channel between a networked electronic bridging device and the portable electronic device, the electronic bridging device comprising a second short-range communications module, and the first communication channel being established using the first and second short-range communications module; establishing a second communication channel between the networked electronic bridging device and the networked remotely located content provider; provisioning the portable electronic device with the content data by transmitting the content data from the remotely located content provider to the portable electronic device using the first and second communication channels.
Abstract translation: 本公开涉及一种使用电子桥接设备来提供包括来自联网的位于远程的内容提供商的内容数据的第一短距离通信模块的便携式电子设备的方法和系统。 该方法包括以下步骤：在联网的电子桥接设备和便携式电子设备之间建立第一通信信道，所述电子桥接设备包括第二短距离通信模块，并且所述第一通信信道使用第一和第二短路建立 通信模块; 在联网的电子桥接设备和联网的位于远程的内容提供商之间建立第二通信信道; 通过使用第一和第二通信信道将内容数据从位于远程的内容提供商发送到便携式电子设备来为便携式电子设备提供内容数据。
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38.发明授权公开(公告)号：US09407333B2
公开(公告)日：2016-08-02
申请号：US14528883
申请日：2014-10-30
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Alan Johnson , Simon Collins
CPC classification number: H04B5/0037 , H02J7/0054 , H02J50/10 , H02J50/80 , H04B1/3883 , H04B5/0031 , H04B5/0093 , H04W4/80 , H04W88/06
Abstract: A mobile device includes a housing and an antenna. The mobile device further includes a power-receiving circuit, and power-transmitting circuit, and a short-range communications circuit. The antenna performs multiple functions in that it is shared by the power-receiving circuit, the power-transmitting circuit and the short-range communications circuit. Each of the three circuits is selectively connectable to the antenna. The mobile device is configured to participate in a mobile-to-mobile battery-charge-sharing operation via inductive coupling from mobile device to mobile device.
Abstract translation: 移动设备包括外壳和天线。 移动设备还包括电力接收电路和电力传输电路以及短距离通信电路。 该天线执行多个功能，即它由电力接收电路，电力传输电路和短距离通信电路共享。 三个电路中的每一个可选择性地连接到天线。 移动设备被配置为通过从移动设备到移动设备的电感耦合来参与移动电话到移动电池的电荷共享操作。
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公开(公告)号：US20150206131A1
公开(公告)日：2015-07-23
申请号：US14262185
申请日：2014-04-25
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Simon Phillips , Simon Collins
CPC classification number: G06Q20/34 , G06Q20/227 , G06Q20/322 , G06Q20/36
Abstract: A method includes receiving a request for a response, where the request has a defined response deadline. The method further includes determining whether optimal response information is available prior to the defined response deadline. Based on a result of such determination, non-optimal information is sent prior to the defined response deadline in response to the request. Thereafter, the optimal response information is sent asynchronously.
Abstract translation: 一种方法包括接收对响应的请求，其中请求具有定义的响应截止日期。 所述方法还包括在所述定义的响应截止日期之前确定最佳响应信息是否可用。 基于这种确定的结果，响应于该请求，在定义的响应截止日期之前发送非最佳信息。 此后，异步发送最优响应信息。
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公开(公告)号：US20150012427A1
公开(公告)日：2015-01-08
申请号：US14325845
申请日：2014-07-08
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Simon Phillips , Alan Johnson
CPC classification number: G06Q30/018 , G06Q20/351 , G06Q20/355 , G06Q20/363 , G06Q20/409
Abstract: A method of associating a transaction device with a user profile on an activation computing device, the method comprising: receiving, from an issuing entity, information associated with a user profile, the user profile having been created by an issuing entity; generating, at the activation computing device, an activation code; sending the activation code to a transaction device associated with the user; receiving, from the transaction device, verification data, the verification data being associated with the activation code and the information associated with the user profile; validating, at the activation computing device, by comparing the received verification data with the generated activation code and the information associated with the user profile received from the issuing entity; and associating the transaction device with the user profile if the verification data is valid.
Abstract translation: 一种将交易设备与激活计算设备上的用户简档相关联的方法，所述方法包括：从发布实体接收与用户简档相关联的信息，由发布实体创建的用户简档; 在激活计算设备处产生激活码; 将激活码发送到与用户相关联的交易设备; 从所述交易设备接收验证数据，所述验证数据与所述激活码相关联，以及与所述用户简档相关联的信息; 在所述激活计算设备处，通过将接收到的验证数据与所生成的激活码进行比较，以及与从所述发布实体接收的所述用户简档相关联的信息来验证; 以及如果所述验证数据有效，则将所述交易设备与所述用户简档相关联。
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