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公开(公告)号：US09811829B2
公开(公告)日：2017-11-07
申请号：US14733284
申请日：2015-06-08
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq
CPC classification number: G06Q20/4012 , G06Q20/409 , G07F7/1041
Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting a user to input a passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received passcode to the stored passcode, the system can advance a transaction with the user.
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公开(公告)号：US20150287035A1
公开(公告)日：2015-10-08
申请号：US14733284
申请日：2015-06-08
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq
IPC: G06Q20/40
CPC classification number: G06Q20/4012 , G06Q20/409 , G07F7/1041
Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting the user to input the passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing the characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received pin to the stored pin, the system can advance the transaction with the user.
Abstract translation: 提供了系统和方法以便于引导输入密码。 示例性的引导密码输入系统通过生成随机化输入序列（入口顺序）并提示用户根据随机输入序列输入密码来向传统秘密PIN或密码输入系统提供额外的安全性。 该系统还针对与特定用户相关联的密码的数据库进行用户输入数据的测试以进行精确匹配。 测试步骤可以包括将输入数据的字符与存储在数据库中的与用户相关联的特定密码进行比较，这些密码根据关于输入数据被接收的顺序的随机输入序列。 基于接收到的引脚与存储引脚的比较，系统可以与用户进行交易。
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公开(公告)号：US20180032995A1
公开(公告)日：2018-02-01
申请号：US15730048
申请日：2017-10-11
Applicant: Mastercard International Incorporated
Inventor： Mohammed Sadiq
CPC classification number: G06Q20/322 , G06Q20/0453 , G06Q20/209
Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.
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公开(公告)号：US20150112872A1
公开(公告)日：2015-04-23
申请号：US14060726
申请日：2013-10-23
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq
IPC: G06Q20/40
CPC classification number: G06Q20/4012 , G06Q20/409 , G07F7/1041
Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting the user to input the passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing the characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received pin to the stored pin, the system can advance the transaction with the user.
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公开(公告)号：US09792601B2
公开(公告)日：2017-10-17
申请号：US14248666
申请日：2014-04-09
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq
CPC classification number: G06Q20/322 , G06Q20/0453 , G06Q20/209
Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.
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Patent Agency Ranking
公开(公告)号：US20150294289A1
公开(公告)日：2015-10-15
申请号：US14248666
申请日：2014-04-09
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq
CPC classification number: G06Q20/322 , G06Q20/0453 , G06Q20/209
Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.
Abstract translation: 提供了系统和方法，用于促进将电子收据自动传送给在计算设备进行金融交易的用户。 本文描述的系统和方法使得能够进行一系列操作，由此用户可以在计算设备处进行交易，并且计算设备可以自动读取存储在用户个人的存储器中的用户帐户信息和一个或多个电子联系人地址 交易设备。 该系统还可以处理交易并且将电子收据自动发送到电子联系地址，从而提供自动交易体验，其不需要用户主动地将电子联系人地址输入到计算设备中，以便以电子方式发送收据。 此外，该系统由此促进私人交易，而不是手动输入联系人地址的不安全和耗时的过程。
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公开(公告)号：US10885506B2
公开(公告)日：2021-01-05
申请号：US15730048
申请日：2017-10-11
Applicant: Mastercard International Incorporated
Inventor： Mohammed Sadiq
Abstract: Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.
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公开(公告)号：US20190087822A1
公开(公告)日：2019-03-21
申请号：US16135963
申请日：2018-09-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Madhu Vasu , Rajasekaran Dhamodharan , Mohammed Sadiq
Abstract: An onboarding system for onboarding merchants in real-time using digital activity client (DAC) data is provided. The onboarding system includes at least one onboarding computing device configured to generate one or more risk score rules based on a first set of DAC data received from a DAC computing device and one or more acquirer parameters received from an acquirer computing device. The onboarding computer device is also configured to transmit the one or more risk score rules to the DAC computing device, and receive a risk score for a merchant from the DAC computing device. The onboarding computing device is further configured to compare the risk score to a risk score threshold, and determine, based on the comparison, whether to approve or decline the merchant to onboard in the onboarding system.
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公开(公告)号：US20180089647A1
公开(公告)日：2018-03-29
申请号：US15276917
申请日：2016-09-27
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq
CPC classification number: H04L67/306 , G06Q20/045 , G06Q20/0453 , G06Q20/209 , G06Q20/3278 , H04W4/80
Abstract: Systems and methods are provided for facilitating automatic provisioning of electronic records to a user conducting transactions at transaction terminals and using a variety of different transaction accounts. In particular, the transaction terminal can automatically capture a unique universal identifier (global ID) associated with the user. Using the global ID, the transaction terminal or another remote transaction processing system can provide transaction information to an independent server device for automatic record provisioning. In some implementations, based on the global ID, the server can identify an electronic contact address for the user and automatically transmit an electronic record to the user or otherwise provide the user with on-demand access to the record. The system thereby provides an automated transaction experience that does not require the user to actively input a contact address into the transaction terminal in order for the record to be automatically provided to the user.
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公开(公告)号：US20150227920A1
公开(公告)日：2015-08-13
申请号：US14618395
申请日：2015-02-10
Applicant: MasterCard International Incorporated
Inventor： Mohammed Sadiq , Carlos Edgar Cornejo
CPC classification number: G06Q20/3572 , G06Q20/1085 , G06Q20/20 , G06Q20/32
Abstract: A method of managing one or more identities in a transaction infrastructure uses a token identity. The user receives a physical token with a token identity known to a transaction authoriser. The user associates one or more transaction identities with the token identity. Before performing a transaction, the user may select one of the transaction identities when there is more than one of them, and identifies the selected transaction identity to the transaction authoriser. The user uses the physical token to perform a transaction with transaction apparatus associated with a transaction acquirer, whereby the transaction acquirer identifies the token identity to the transaction authoriser. The transaction authoriser then determines the selected transaction identity from the token identity, and establishes the transaction between an identity issuer for the selected transaction identity and the transaction acquirer. Suitable apparatus is described. An identity management service adapted to operate as a transaction authoriser is also described, as is use of a token identity as described without need for a physical token in e-commerce transactions.
Abstract translation: 管理事务基础设施中的一个或多个身份的方法使用令牌标识。 用户接收具有事务授权者已知的令牌身份的物理令牌。 用户将一个或多个事务标识与令牌标识相关联。 在执行交易之前，当用户有多于一个时，用户可以选择其中一个交易身份，并将所选择的交易身份标识给交易授权者。 用户使用物理令牌与与交易获取方相关联的交易装置执行交易，由此交易获取方向交易授权者识别令牌身份。 交易授权者然后从令牌标识中确定所选择的交易标识，并建立所选交易身份的身份发行者与交易获取方之间的交易。 描述合适的装置。 还描述了适于作为交易授权者操作的身份管理服务，以及所描述的令牌身份的使用，而不需要电子商务交易中的物理令牌。
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