公开(公告)号：US11068894B2

公开(公告)日：2021-07-20

申请号：US16681400

申请日：2019-11-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06Q40/00 ,  G06Q20/40

Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

公开(公告)号：US20180150847A1

公开(公告)日：2018-05-31

申请号：US15880742

申请日：2018-01-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06Q20/40

CPC classification number: G06Q20/40145 ,  G06Q20/4012

Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

公开(公告)号：US20180365699A9

公开(公告)日：2018-12-20

申请号：US15880742

申请日：2018-01-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06Q20/40

CPC classification number: G06Q20/40145 ,  G06Q20/4012

Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

公开(公告)号：US20150178739A1

公开(公告)日：2015-06-25

申请号：US14138342

申请日：2013-12-23

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06Q30/02 ,  H04W64/00

CPC classification number: G06Q30/0201 ,  H04W4/023 ,  H04W4/027 ,  H04W4/029 ,  H04W4/80 ,  H04W64/00

Abstract: A method and system for determining a status of a visitor to a physical location and associated with a handheld device using a computer device coupled to a database are provided. The method includes receiving, by the processor, a hello message from a radio associated with one or more handheld devices, capturing a unique identifier of the handheld device from the received hello message, determining visitor geographic information based on the captured unique identifier and a determined signal strength of the hello message, and outputting the visitor information.

Abstract translation: 提供了一种用于使用耦合到数据库的计算机设备来确定访问者到物理位置并与手持设备相关联的状态的方法和系统。 该方法包括由处理器接收来自与一个或多个手持设备相关联的无线电的hello消息，从接收到的hello消息中捕获手持设备的唯一标识符，基于所捕获的唯一标识符确定访问者地理信息，以及确定 信号强度，并输出访问者信息。

公开(公告)号：US20200082409A1

公开(公告)日：2020-03-12

申请号：US16681400

申请日：2019-11-12

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06Q20/40

Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

公开(公告)号：US09928358B2

公开(公告)日：2018-03-27

申请号：US14101064

申请日：2013-12-09

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06F21/36 ,  G06Q20/40

CPC classification number: G06F21/36 ,  G06F2221/2133 ,  G06Q20/40

Abstract: An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device.

公开(公告)号：US20150317631A1

公开(公告)日：2015-11-05

申请号：US14269106

申请日：2014-05-03

Applicant: MasterCard International Incorporated

Inventor： Mary Elizabeth Lesbirel ,  Debashis Ghosh

IPC: G06Q20/40

CPC classification number: G06Q20/40 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/401 ,  G06Q20/40145

Abstract: At a photo server, a payment card account number is obtained from a cardholder. At the photo server, access is obtained to a database of payment card transaction information, using the payment card account number. At least one digital photo is putatively matched to a location of at least one transaction for the payment card account number in the database of transaction information, based on at least one of time stamp and geolocation, to obtain a first putative match. An indication of the first putative match is provided to the cardholder.

Abstract translation: 在照片服务器上，从持卡人获得支付卡帐号。 在照片服务器上，使用支付卡帐号获取支付卡交易信息的数据库。 基于时间戳和地理位置中的至少一个，至少一个数字照片被假定地与交易信息数据库中的支付卡帐号的至少一个交易的位置匹配，以获得第一推定匹配。 向持卡人提供第一推定比赛的指示。

公开(公告)号：US09904921B2

公开(公告)日：2018-02-27

申请号：US14066246

申请日：2013-10-29

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06Q20/40

CPC classification number: G06Q20/40145 ,  G06Q20/4012

Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

公开(公告)号：US20150161375A1

公开(公告)日：2015-06-11

申请号：US14101064

申请日：2013-12-09

Applicant: MasterCard International Incorporated

Inventor： Debashis Ghosh ,  Randy Shuken ,  Mary Elizabeth Lesbirel

IPC: G06F21/36

CPC classification number: G06F21/36 ,  G06F2221/2133 ,  G06Q20/40

Abstract: An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device.

Abstract translation: 一种用于将用户计算设备的用户认证为人的认证计算设备。 认证计算设备包括处理器，其被配置为接收对用户进行认证的请求以及与用户和用户计算设备中的至少一个相关联的标识符。 处理器还被配置为基于标识符来检索与用户的支付卡帐户相关联的交易数据，基于交易数据生成挑战问题，并且基于交易数据生成多个图像。 多个图像中的至少一个是正确的图像，并且多个图像中的至少一个是不正确的图像。 处理器还被配置为传送挑战问题和多个图像以在用户计算设备上显示。

公开(公告)号：US20150088643A1

公开(公告)日：2015-03-26

申请号：US14038032

申请日：2013-09-26

Applicant: MasterCard International Incorporated

Inventor： Randall K. Shuken ,  Debashis Ghosh ,  Mary Elizabeth Lesbirel

IPC: G06Q50/00 ,  G06Q30/02

CPC classification number: G06Q50/01 ,  G06Q30/0253

Abstract: A method for generating a social network message linked to a payment transaction includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier, social network identifier, device identifier, and preferences; receiving an authorization request for a payment transaction, the request including transaction data and a specific consumer identifier; identifying a specific consumer profile wherein the included consumer identifier corresponds to the specific consumer identifier; generating a social network message, the message including the transaction data and the social network identifier included in the specific consumer profile and generated pursuant to the preferences included in the specific consumer profile; transmitting the social network message to a computing device corresponding to the device identifier included in the specific consumer profile; receiving an indication of approval of the social network message; and transmitting the social network message to a social network for publishing.

Abstract translation: 一种用于生成与支付交易相关联的社交网络消息的方法包括：存储多个消费者简档，每个简档包括与消费者相关的数据，包括消费者标识符，社交网络标识符，设备标识符和偏好; 接收对支付交易的授权请求，所述请求包括交易数据和特定消费者标识符; 识别特定消费者简档，其中所包括的消费者标识符对应于特定消费者标识符; 生成社交网络消息，所述消息包括包括在特定消费者简档中的交易数据和社交网络标识符，并根据包含在特定消费者简档中的偏好生成; 将所述社交网络消息发送到与包括在所述特定消费者简档中的所述设备标识符相对应的计算设备; 接收社会网络消息的批准指示; 并将社交网络消息传送到社交网络进行发布。