公开(公告)号：US20230246840A1

公开(公告)日：2023-08-03

申请号：US18131310

申请日：2023-04-05

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manash Bhattacharjee ,  Ashfaq Kamal ,  Rahul Deshpande

IPC: H04L9/32 ,  H04L9/40 ,  H04L9/30 ,  G06F9/54

CPC classification number: H04L9/3231 ,  H04L63/0861 ,  H04L9/3073 ,  G06F9/54

Abstract: Systems and methods are provided for managing user identities in networks. One example method includes receiving, at a communication device, a request from a relying party for an assertion of an identity of a user where the communication device includes a software development kit (SDK). The method also includes, after receiving the request for the assertion, authenticating, by the communication device, the user and, based on a successful authentication of the user, compiling, via the SDK, an assertion packet including an attestation regarding authentication of the user where the assertion packet is signed with a private key of a private-public key pair stored in a memory of the communication device. The method then includes transmitting the assertion packet to the relying party.

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

IPC: G06Q20/18 ,  H04L29/06 ,  G06F16/955 ,  G06Q20/00 ,  G06F21/32 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/40

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：US20210241266A1

公开(公告)日：2021-08-05

申请号：US17162604

申请日：2021-01-29

Applicant: Mastercard International Incorporated

Inventor： Ashfaq Kamal ,  Rahul Deshpande ,  Manash Bhattacharjee

IPC: G06Q20/38 ,  H04L29/06

Abstract: An enhanced 3D Secure user authentication process and system. In some embodiments, a consumer device processor of a consumer device running a Web Authentication application programming interface (API) transmits a request to a relying party device requesting use of an enhanced 3D Secure authentication service. The consumer device processor then receives a request to authenticate a consumer from the relying party device by using a specific customer verification method (CVM), prompts, by running the Web Authentication API, the consumer to provide input in accordance with the CVM, receives input data in accordance with the CVM from an authenticator of the consumer device, verifies the consumer based on the input data, generates an authentication data package and transmits to the relying party device the authentication data package for processing and forwarding to a 3D Requestor environment.

公开(公告)号：US10956881B2

公开(公告)日：2021-03-23

申请号：US16030315

申请日：2018-07-09

Applicant: Mastercard International Incorporated

Inventor： Ellen Moskowitz ,  Ashfaq Kamal

IPC: G06Q20/10 ,  G06Q20/34 ,  G06K19/07

Abstract: Methods, apparatus and systems for allowing users to easily and securely enroll directly into a newly issued biometric payment card. In an embodiment, a user is provided with a biometric payment card enrollment package that includes a biometric payment card, an energy sleeve having a power source and at least a front wall and a rear wall defining an opening for accepting the biometric payment card therein, and at least one light-emitting diode (LED). The power source includes circuitry to provide power to an EMV chip of the biometric payment card when the biometric payment card is seated therein, and to provide power to the LED during a biometric enrollment process. In some embodiments, a software development kit (SDK) provided by the issuer of the biometric payment card provides support and guidance which enables the user to enroll directly into the biometric payment card.

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.

公开(公告)号：US10917405B2

公开(公告)日：2021-02-09

申请号：US16598206

申请日：2019-10-10

Applicant: Mastercard International Incorporated

Inventor： Dawid Nowak ,  Ashley Waldron ,  Ashfaq Kamal

IPC: H04L29/06

Abstract: FIDO (“Fast IDentity Online”) authentication processes and systems are described. In an embodiment, a FIDO (“Fast IDentity Online”) authentication process includes a FIDO information systems (IS) computer system receiving a FIDO authentication request for a transaction from a user device, the FIDO authentication request including user data and user device authenticator data, then verifying the user data and user device authenticator data, selecting a FIDO-certified server based on a list of authorized authenticators, business rules and the user device authenticator data, and transmitting the FIDO authentication request to the selected FIDO server. The process also includes the FIDO IS computer system receiving an authentication result from the FIDO-certified server, and transmitting the authentication result to the user device.

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.

公开(公告)号：US20200076795A1

公开(公告)日：2020-03-05

申请号：US16679115

申请日：2019-11-08

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ashfaq Kamal

IPC: H04L29/06 ,  G06Q20/40 ,  G06Q10/10 ,  G06F21/64 ,  G06Q50/26 ,  G06Q20/38 ,  G06F21/33 ,  G06Q20/02 ,  H04L9/32 ,  G06F21/35 ,  G06Q40/02

Abstract: Systems and methods are provided for verifying identities of users. One exemplary method includes generating a unique identifier (ID) for a user, generating a public/private key pair associated with the unique ID for the user, and receiving at least two images. The images include a first image associated with a physical document indicative of an identity of the user and a second image comprising an image of at least part of the user. The exemplary method further includes validating an integrity of the first image, converting at least the first image to one-way hashed data, when the integrity of the first image is valid, and transmitting the hashed data signed with the private key, the unique ID and the public key to an identification provider, whereby a digital identity record for the user is stored in a ledger data structure.

公开(公告)号：US20190261169A1

公开(公告)日：2019-08-22

申请号：US16280664

申请日：2019-02-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ashfaq Kamal ,  Charles Walton ,  Robert D. Reany

IPC: H04W12/00 ,  H04W12/12 ,  H04W12/06 ,  H04W12/08 ,  H04W12/02 ,  H04L29/06

Abstract: Systems and methods are provided for managing digital identities in multiple regions, through multiple identity providers, while providing for policy enforcement in connection with the digital identities. One exemplary method includes receiving, at an identity and access management hub (IAMH) in a first region, a request related to a digital identity from a secondary hub disposed in a second region and checking a policy associated with the digital identity. In response, the IAMH solicits at least one claim from a user, at a relying party application and/or website, based on the request and provides the at least one claim to a value-added service associated with the IAMH for verification of the at least one claim. The IAMH then transmits a result of the verification to the relying party associated with the request and provides a token, in response to the request, to a secure resource associated with the relying party.

公开(公告)号：US20190245693A1

公开(公告)日：2019-08-08

申请号：US15891062

申请日：2018-02-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

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

CPC classification number: H04L9/3239 ,  G06Q20/3827 ,  G06Q20/4014 ,  G06Q20/4093

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.