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

IPC: G06Q20/40 ,  H04L29/06 ,  G06Q20/20 ,  G06Q20/34

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.

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：US20160092876A1

公开(公告)日：2016-03-31

申请号：US14811281

申请日：2015-07-28

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Nealle Andrew Page

IPC: G06Q20/40 ,  G06K9/00 ,  G06Q20/32 ,  G06Q20/36

CPC classification number: G06Q20/409 ,  G06K9/00597 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/36 ,  G06Q20/3674 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q20/40145

Abstract: A payment device includes an application storage device for storing a plurality of payment applications and a capture module for capturing user verification information. The payment device also includes a verification module. The verification module is interfaced to the capture module. The verification module is for receiving and verifying the captured user verification information and for outputting a user verification result. The payment device further includes a shared cardholder verification method (CVM) module, which is interfaced to the verification module. The shared CVM module receives the user verification result and also receives a reference to one of the payment applications. The shared CVM module responds to the verification result by outputting an application credential to the payment application to which it was referred.

Abstract translation: 支付设备包括用于存储多个支付应用的应用存储设备和用于捕获用户验证信息的捕获模块。 支付设备还包括验证模块。 验证模块与捕获模块接口。 验证模块用于接收和验证所捕获的用户验证信息并输出用户验证结果。 支付装置还包括与验证模块接口的共享持卡人验证方法（CVM）模块。 共享的CVM模块接收用户验证结果，并且还收到对其中一个支付应用的引用。 共享的CVM模块通过将应用凭证输出到其被引用的支付应用来响应验证结果。