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    ACCOUNT IDENTIFICATION
    73.
    发明申请
    ACCOUNT IDENTIFICATION 审中-公开
    帐户识别

    公开(公告)号：US20150088745A1

    公开(公告)日：2015-03-26

    申请号：US14496210

    申请日：2014-09-25

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips ,  Alan Johnson

    IPC: G06Q20/22 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/322 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/389

    Abstract: A method of account identification is performed on suitably programmed computing apparatus. An account number comprising a plurality of numeric characters is assigned to an account. The characters of the account number are divided into a numeric identifier and a convertible string. The convertible string is compressed into a compressed convertible string using an expanded character set. There are fewer characters in the compressed convertible string than in the uncompressed convertible string. A compressed account number is provided comprising the numeric identifier and the compressed convertible string. This may then be used in transactions without compromising the original account number while retaining the identifier for use in identifying transactions. A method of performing a transaction is also described, as is suitable apparatus for carrying out the methods described.

    Abstract translation: 在适当编程的计算装置上执行帐户识别的方法。 将包括多个数字字符的帐号分配给帐户。 帐号的字符分为数字标识符和可转换字符串。 可转换字符串使用扩展字符集压缩成压缩的可转换字符串。 压缩可转换字符串中的字符数少于未压缩的可转换字符串。 提供了包括数字标识符和压缩的可转换字符串的压缩帐号。 然后可以在事务中使用，而不会影响原始帐号，同时保留用于识别交易的标识符。 还描述了执行交易的方法，以及用于执行所述方法的合适的装置。

    AUTOMATED OPENING OF ELECTRONIC WALLET FUNCTION IN MOBILE DEVICE
    74.
    发明申请
    AUTOMATED OPENING OF ELECTRONIC WALLET FUNCTION IN MOBILE DEVICE 审中-公开
    手机中电子钱包功能的自动打开

    公开(公告)号：US20140209673A1

    公开(公告)日：2014-07-31

    申请号：US14253214

    申请日：2014-04-15

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips

    IPC: G06Q20/10 ,  G06Q20/16

    CPC classification number: G06Q20/16 ,  G06Q20/105 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/353 ,  G06Q20/36 ,  G06Q20/367 ,  G06Q40/00

    Abstract: A method includes bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device.

    Abstract translation: 一种方法包括使移动设备接近标记，邻近射频识别（RFID）集成电路（IC）的标记，耦合到天线的RFID IC。 该方法还包括移动设备从RFID IC读取消息，其中消息由RFID IC经由天线发送。 该方法还包括移动设备通过在移动设备中打开电子钱包功能来响应该消息。

    ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE
    75.
    发明申请
    ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE 审中-公开
    执行付费移动设备中的超时期

    公开(公告)号：US20140188640A1

    公开(公告)日：2014-07-03

    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

    IPC: G06Q20/20 ,  G06Q20/40

    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。

    PRE-AUTHENTICATED IDENTIFICATION TOKEN
    76.
    发明申请
    PRE-AUTHENTICATED IDENTIFICATION TOKEN 审中-公开
    预认证识别托盘

    公开(公告)号：US20140068742A1

    公开(公告)日：2014-03-06

    申请号：US14078840

    申请日：2013-11-13

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips

    IPC: H04L29/06

    CPC classification number: H04L63/08 ,  G06Q20/327 ,  G06Q20/352 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/3821 ,  G07F7/0813 ,  G07F7/086

    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.

    Abstract translation: 预认证令牌系统包括具有开关，发射器和接收器电路以及传感器的识别令牌; 具有控制电路的对接站，发射/接收电路和天线; 个人电脑 和认证服务器计算机。 个人计算机向认证服务器发送安全信息，接收认证信息，并将认证信号发送到对接站。 对接站接收认证信号，进入认证模式，并将认证信号发送到识别令牌。 识别令牌的传感器检测到用户身体的识别令牌的移除，然后交换机通过禁用识别令牌来防止识别数据的传输而进行响应。

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