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公开(公告)号：US20230239161A1
公开(公告)日：2023-07-27
申请号：US18128983
申请日：2023-03-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Bryn Anthony Robinson-Morgan
CPC classification number: H04L9/3247 , H04L9/3215 , G06F21/44 , H04L63/0861 , G06F21/57 , H04L63/0815
Abstract: Systems and methods are provided for provisioning identity credentials based on interactions with verified or trusted users. One exemplary computer-implemented method includes receiving a request for a digital identity from a user, where the request includes identifying information for the user and a verified user identifier, and transmitting, to a verified user associated with the verified user identifier, an attestation request for the user. The method also includes receiving, from the verified user, an attestation in response to the attestation request with regard to at least some of the identifying information for the user, generating a digital identity for the user based on a number of attestations of the identifying information for the user, and sharing a digital identity notice with the user including an identifier for the user, whereby the user is permitted to share the digital identity with a relying party via the identifier.
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公开(公告)号：US20230073938A1
公开(公告)日：2023-03-09
申请号：US17899506
申请日：2022-08-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Bryn Anthony Robinson-Morgan , Liang Tian , Prashant Sharma
Abstract: Systems and methods are provided for using verifiable credentials. One example computer-implemented method includes receiving, by an identity provider (IDP) computing device, an identity request from a relying party and directing the request to a user of an application at a mobile device associated with the user, where the mobile device includes a verifiable credential. The method also includes receiving, by the IDP computing device, from the mobile device, the verifiable credential, verifying the verifiable credential based on a public key associated with an issuer of the verifiable credential, and transmitting a link and a first authorization of the verifiable credential to the relying party. The method further includes receiving, by the IDP computing device, a request for identity data from the relying party including a second authorization and, in response to the first authorization matching the second authorization, returning the identity data to the relying party.
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公开(公告)号：US20230026228A1
公开(公告)日：2023-01-26
申请号：US17863108
申请日：2022-07-12
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Bryn Anthony Robinson-Morgan , Liang Tian , Prashant Sharma
IPC: G06F21/32 , H04L67/306
Abstract: Systems and methods are provided for changing attributes of user identities based on event driven rules. One example computer-implemented method includes receiving, at a computing device, from a mobile device, identification information associated with enrollment of an identity attribute of a user to a digital identity for the user and also receiving, from the mobile device, a request for a change to the identity attribute of the digital identity of the user. The method also includes determining a rule applicable to the change of the identity attribute based on a type of the identity attribute and/or a source of the identity attribute and determining whether the change to the at least one identity attribute is consistent with the rule. And, the method then includes effecting the change to the at least one identity attribute, when the change is consistent with the rule.
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公开(公告)号：US20230012658A1
公开(公告)日：2023-01-19
申请号：US17950915
申请日：2022-09-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Rajat Maheshwari , Prashant Sharma
Abstract: Systems and methods are provided for facilitating network transactions based on user authentication. One example computer-implemented method includes receiving a request to authenticate a user in connection with a network interaction and identifying a device identifier (ID) specific to a card for an account indicated in the request. The method also includes transmitting, to the card based on the device ID, a challenge command for authentication of the user, whereby the card instructs the user to biometrically authenticate at the card via an on-card indicator, and receiving, from the card, a challenge question advisement including an authentication result of the user. The method then also includes, based on the authentication result of the user, responding to the request to authenticate, to a merchant plug-in (MPI) computing device, with an authentication code indicative of the authentication result.
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公开(公告)号：US20220368525A1
公开(公告)日：2022-11-17
申请号：US17318982
申请日：2021-05-12
Applicant: Mastercard International Incorporated
Inventor： Bryn Anthony Robinson-Morgan , Prashant Sharma , Liang Tian
Abstract: Various implementations described herein may refer to a compliance platform for use with identity data. In one implementation, a method may include receiving a compliance data package from a user, where the compliance data package includes encrypted evidence data corresponding to digital identity data of the user. The method may also include encrypting the compliance data package using a first cryptographic key. The method may further include generating a user key shard, a requestor key shard, and a regulator key shard based on the first cryptographic key. The method may include generating an unlock data package that includes the requestor key shard and encrypting the unlock data package using a second cryptographic key. The method may also include transmitting the user key shard, the encrypted unlock data package, and the encrypted compliance data package to the user. The method may include transmitting the regulator key shard to a regulator.
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Patent Agency Ranking
公开(公告)号：US11455628B2
公开(公告)日：2022-09-27
申请号：US16152887
申请日：2018-10-05
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Rajat Maheshwari , Prashant Sharma
Abstract: Systems and methods are provided for facilitating network transactions based on user authentication. One exemplary method includes, for a network transaction, receiving, at a card device, an authentication command from an issuer of a payment account associated with the card device. A user of the card device is instructed, at an indicator of the card device, to provide a biometric for use in authenticating the user. Biometric data from the user is captured at biometric sensor of the card device, when the user provides the biometric, and the captured biometric data is compared with reference biometric data stored in a memory of the card device. The card device then returns a command reply to the issuer, where the command reply includes an authentication result based on the comparison, thereby permitting the issuer to employ the authentication result of the user in connection with the network transaction.
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公开(公告)号：US20220109673A1
公开(公告)日：2022-04-07
申请号：US17480967
申请日：2021-09-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Bryn Anthony Robinson-Morgan , Liang Tian , Prashant Sharma
IPC: H04L29/06
Abstract: Systems and methods are provided for context-based authentication, via a decentralized network. One example method includes receiving, at a mobile device, from a relying party, a request for an attribute of a user in connection with an interaction between the user and the relying party and determining a type of authentication to be used for the interaction, based on an authentication policy of the relying party and multiple context signals stored in the mobile device prior to providing the attribute to the relying party. The multiple context signals are indicative of one or more patterns indicative of the user and/or the mobile device. The method also includes soliciting authentication data from the user consistent with the determined type of authentication, receiving, by the mobile device, the solicited authentication from the user, and providing the attribute to the relying party in response to the user being authenticated at the mobile device.
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58.发明申请公开(公告)号：US20200311712A1
公开(公告)日：2020-10-01
申请号：US16371456
申请日：2019-04-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Rajat Maheshwari
Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, by a computing device, via a first wireless connection, a credential from a mobile device where the credential is specific to an account associated with the mobile device. The method also includes determining an identifier of the mobile device, compiling an authorization request for the network transaction, where the authorization request includes the identifier and the credential, and transmitting the authorization request to a first party for authorization. The method further includes; receiving an authorization reply in response to the authorization request, where the authorization reply includes a result for the network transaction and the identifier, and transmitting, via a second wireless connection, a notification, including the result of the network transaction, to the mobile device, based on the identifier included in the authorization reply. The first wireless connection is different than the second wireless connection.
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公开(公告)号：US10769631B2
公开(公告)日：2020-09-08
申请号：US15348176
申请日：2016-11-10
Applicant: MasterCard International Incorporated
Inventor： Joseph Hayes , Prashant Sharma , Simon Collins
Abstract: A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.
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公开(公告)号：US20190228405A1
公开(公告)日：2019-07-25
申请号：US16251477
申请日：2019-01-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Prashant Sharma , Zahir Khoja , James Hicks , Ashwin Chandrasekaran , Philip Wei Ping Yen
Abstract: A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.
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