公开(公告)号：US11995655B2

公开(公告)日：2024-05-28

申请号：US18084397

申请日：2022-12-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

CPC classification number: G06Q20/40145 ,  G06Q20/341 ,  G06Q20/3563 ,  G06Q20/3574 ,  G06Q20/38215

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.

公开(公告)号：US10817878B2

公开(公告)日：2020-10-27

申请号：US15178061

申请日：2016-06-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

Abstract: Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. The method also includes capturing a biometric of a user, at a biometric sensor, according to the payment application, and verifying, by the security chip, the captured biometric based on reference biometric data. The method further includes, when the timer is unexpired and the captured biometric is verified, appending a first value to a CVR and returning a first AFL to the terminal, and when the timer is expired, appending a different value to the CVR and returning a different AFL to the terminal.

公开(公告)号：US20160364730A1

公开(公告)日：2016-12-15

申请号：US15178061

申请日：2016-06-09

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/34

Abstract: Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. The method also includes capturing a biometric of a user, at a biometric sensor, according to the payment application, and verifying, by the security chip, the captured biometric based on reference biometric data. The method further includes, when the timer is unexpired and the captured biometric is verified, appending a first value to a CVR and returning a first AFL to the terminal, and when the timer is expired, appending a different value to the CVR and returning a different AFL to the terminal.

Abstract translation: 公开了使用支付设备验证与交易有关的用户的系统和方法。 一种示例性方法通常包括从终端接收与支付应用相关联的AID的选择命令，并且作为响应，由支付设备的安全芯片启动由终端上电安全芯片之后的定时器。 该方法还包括根据支付应用在生物测量传感器处捕获用户的生物特征，以及基于参考生物特征数据，由安全芯片验证捕获的生物特征。 该方法还包括当定时器未到达并且所检测到的生物特征被验证时，将第一值附加到CVR并将第一AFL返回到终端，并且当定时器到期时，向CVR附加不同的值并返回 不同的AFL到终端。

公开(公告)号：US20160364703A1

公开(公告)日：2016-12-15

申请号：US15061077

申请日：2016-03-04

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Sumeet Bhatt ,  John Beric ,  Jean-Louis Rouquet ,  Jean-Paul Edmond Rans

IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/105 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/40145 ,  G06Q2220/00

Abstract: Systems and methods for verifying users in connection with transactions using payment devices, by which benefits are distributed, are disclosed. One exemplary method generally includes initiating a timer after power-up of a security chip by a terminal, capturing a biometric of a user, at a biometric sensor associated with the security chip, and comparing, by the security chip, the captured biometric to a reference biometric. When the time is unexpired, and the captured biometric matches the reference biometric, the method includes launching a biometric application, whereby the terminal appends a first account number to an authorization request for a transaction to the payment account, when the timer is expired, the method includes launching a standard payment application, whereby the terminal includes a second account number in an authorization request for a transaction to the payment account, the first account number is different than the second account number.

Abstract translation: 公开了利用支付设备验证与交易有关的用户的系统和方法。 一个示例性方法通常包括在通过终端启动安全芯片之后启动定时器，在与安全芯片相关联的生物测量传感器处捕获用户的生物特征，并将所捕获的生物特征与安全芯片进行比较 参考生物识别。 当时间未到期并且所捕获的生物特征与参考生物特征匹配时，该方法包括启动生物特征应用，由此终端将第一帐号追加到支付帐户的交易的授权请求，当定时器到期时， 方法包括启动标准支付应用程序，由此终端在支付帐户的交易的授权请求中包括第二帐号，第一帐号不同于第二帐号。

公开(公告)号：US20230119751A1

公开(公告)日：2023-04-20

申请号：US18084397

申请日：2022-12-19

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.

公开(公告)号：US11568412B2

公开(公告)日：2023-01-31

申请号：US17080196

申请日：2020-10-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.

公开(公告)号：US20210049613A1

公开(公告)日：2021-02-18

申请号：US17080196

申请日：2020-10-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.

公开(公告)号：US20240265394A1

公开(公告)日：2024-08-08

申请号：US18637932

申请日：2024-04-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Jean-Paul Edmond Rans ,  Sumeet Bhatt

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/38

CPC classification number: G06Q20/40145 ,  G06Q20/341 ,  G06Q20/3563 ,  G06Q20/3574 ,  G06Q20/38215

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.

公开(公告)号：US20160034880A1

公开(公告)日：2016-02-04

申请号：US14883029

申请日：2015-10-14

Applicant: MasterCard International Incorporated

Inventor： David Anthony Roberts ,  Ronald D. Carter ,  Jean-Paul Edmond Rans ,  Enda Rice

IPC: G06Q20/20 ,  G06Q20/32

CPC classification number: G06Q20/202 ,  G06Q20/327 ,  G06Q20/3278 ,  G07F7/088

Abstract: Methods and apparatus for operating a transaction terminal. In an embodiment, a method includes receiving, by a proximity reader processor via a first channel, an activation signal from a payment terminal processor indicating initiation of a payment transaction with a proximity payment device. The proximity processor then executes a first process having a first queue that causes transmission of first instructions to a second process comprising a second queue, and then the second process is executed to run concurrently with the first process, wherein the second process causes the proximity processor to transmit application activation instructions via a reader interface and a second channel to the proximity payment device. The proximity processor terminates the second process when the application activation is completed without error.

Abstract translation: 操作交易终端的方法和装置。 在一个实施例中，一种方法包括由接近读取器处理器经由第一通道从支付终端处理器接收指示与接近支付设备启动支付交易的激活信号。 接近处理器然后执行具有第一队列的第一进程，该第一队列使第一指令传送到包括第二队列的第二进程，然后第二进程被执行以与第一进程同时运行，其中第二进程引起接近处理器 通过读取器接口和第二通道将应用激活指令传送到接近支付设备。 当应用程序激活完成时，接近处理器终止第二个进程，而没有错误。