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    Systems and Methods of Authentication of Communications
    1.
    发明申请
    Systems and Methods of Authentication of Communications 审中-公开
    通信认证系统与方法

    公开(公告)号：US20160080151A1

    公开(公告)日：2016-03-17

    申请号：US14850286

    申请日：2015-09-10

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrik Smets ,  Patrick Mestré ,  Dave Roberts ,  Duncan Garrett

    IPC: H04L9/32 ,  G06Q20/38 ,  G06Q20/40 ,  H04W12/06

    CPC classification number: H04L9/321 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q2220/00 ,  H04L9/3228 ,  H04L9/3242 ,  H04L63/08 ,  H04L2209/56

    Abstract: A system and method of authenticating a communication network comprising a first computing device, a second computing device and an intermediary computing device, wherein there is a first path between the first computing device and the intermediary computing device and a second path between the second computing device and the intermediary computing device. The method is executed at the intermediary computing device, and comprises receiving, from the first computing device, a first session key generated by the first computing device using a function, wherein an input to the function comprises an incremented variable; receiving, from the second computing device, data associated with a second session key generated by the second computing device using the function; determining that the first session key and the second session key are the same; and defining the communication network as authentic when the first session key and the second session key are the same.

    Abstract translation: 一种认证包括第一计算设备，第二计算设备和中间计算设备的通信网络的系统和方法，其中在所述第一计算设备和所述中间计算设备之间存在第一路径以及所述第二计算设备之间的第二路径 和中介计算设备。 所述方法在所述中间计算设备处执行，并且包括从所述第一计算设备接收由所述第一计算设备使用功能生成的第一会话密钥，其中所述函数的输入包括递增的变量; 从所述第二计算设备接收与由所述第二计算设备使用所述功能生成的第二会话密钥相关联的数据; 确定第一会话密钥和第二会话密钥是相同的; 以及当所述第一会话密钥和所述第二会话密钥相同时，将所述通信网络定义为真实的。

    TRANSACTION IDENTIFICATION AND RECOGNITION
    2.
    发明申请
    TRANSACTION IDENTIFICATION AND RECOGNITION 审中-公开
    交易识别与识别

    公开(公告)号：US20150317748A1

    公开(公告)日：2015-11-05

    申请号：US14683549

    申请日：2015-04-10

    Applicant: MasterCard International Incorporated

    Inventor： David A. Roberts ,  Patrik Smets ,  Patrick Mestré ,  Ian Maddocks

    IPC: G06Q40/00

    CPC classification number: G06Q40/12 ,  G06Q20/12 ,  G06Q20/34

    Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt. This approach is particularly effective for use in providing receipts for contactless card transactions. A terminal, a mobile computing device, a receipt service and a transaction processing system are also described.

    Abstract translation: 描述使用多个交易特定元件之一来匹配交易数据与交易收据的方法。 从用户的支付令牌和终端之间的交易确定特定于交易的元件（210）。 然后形成事务标识符（220），每一个都来自单独的特定于事务的元素。 然后在事务处理系统中接收或生成至少一个事务标识符（230）。 交易处理系统提供与该交易标识符相关联的交易数据。 由事务处理系统使用的每个事务标识符被组合（240）以形成包括多个事务标识符元素的复合事务标识符。 每个交易标识符与每个交易标识符元素匹配（250）以标识交易并将交易数据与交易收据相关联。 这种方法对于用于提供非接触式卡交易的收据特别有效。 还描述了终端，移动计算设备，接收服务和事务处理系统。

    Electronic Authentication Systems
    3.
    发明申请
    Electronic Authentication Systems 有权
    电子认证系统

    公开(公告)号：US20140365776A1

    公开(公告)日：2014-12-11

    申请号：US14298280

    申请日：2014-06-06

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrik Smets ,  Patrick Mestré ,  Dave Roberts ,  Duncan Garrett

    IPC: H04L9/08

    CPC classification number: G06Q20/401 ,  G06Q20/102 ,  G06Q20/341 ,  G06Q20/3829 ,  G06Q20/409 ,  H04L9/0841 ,  H04L9/0869 ,  H04L9/3066 ,  H04L63/1408 ,  H04L2209/08 ,  H04L2209/16 ,  H04L2209/56

    Abstract: A transaction device for establishing a shared secret with a point of interaction (POI) over a communications network to enable encrypted communications between the transaction device and the point of interaction, the device comprising: an input arranged to receive communications from the point of interaction; a processor arranged to generate a first communication according to a Diffie-Hellman protocol; an output arranged to send the first communication to the point of interaction; wherein the processor is arranged to apply a randomly generated blinding factor, r, when generating the first communication and wherein, in response to receiving a second communication from the point of interaction at the input, the second communication having been generated according to the Diffie-Hellman protocol, the processor is arranged to apply the randomly generated blinding factor and generate a shared secret according to the Diffie-Hellman protocol in dependence on data contained within the second communication.

    Abstract translation: 一种交易设备，用于通过通信网络建立具有交互点（POI）的共享秘密，以实现交易设备与交互点之间的加密通信，该设备包括：输入端，用于从交互点接收通信; 布置成根据Diffie-Hellman协议生成第一通信的处理器; 布置成将第一通信发送到交互点的输出; 其中所述处理器被布置为在生成所述第一通信时应用随机生成的盲目因子r，并且其中响应于从所述输入处的交互点接收到第二通信，所述第二通信已经根据所述Diffie- Hellman协议，处理器被布置为根据Diffie-Hellman协议应用随机生成的盲目因子并根据第二通信中包含的数据生成共享秘密。

    ELECTRONIC AUTHENTICATION SYSTEMS
    4.
    发明申请
    ELECTRONIC AUTHENTICATION SYSTEMS 审中-公开

    公开(公告)号：US20200090176A1

    公开(公告)日：2020-03-19

    申请号：US16692156

    申请日：2019-11-22

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrick Mestré ,  Patrik Smets

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/38 ,  H04L9/08 ,  H04L9/30 ,  H04L29/06

    Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

    Transaction identification and recognition
    5.
    发明授权
    Transaction identification and recognition 有权

    公开(公告)号：US10262378B2

    公开(公告)日：2019-04-16

    申请号：US14683549

    申请日：2015-04-10

    Applicant: MasterCard International Incorporated

    Inventor： David A. Roberts ,  Patrik Smets ,  Patrick Mestré ,  Ian Maddocks

    IPC: G06Q40/00 ,  G06Q20/12 ,  G06Q20/34

    Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt. This approach is particularly effective for use in providing receipts for contactless card transactions. A terminal, a mobile computing device, a receipt service and a transaction processing system are also described.

    Electronic Authentication Systems
    6.
    发明申请
    Electronic Authentication Systems 审中-公开
    电子认证系统

    公开(公告)号：US20170011370A1

    公开(公告)日：2017-01-12

    申请号：US15265170

    申请日：2016-09-14

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrick Mestré ,  Patrik Smets

    IPC: G06Q20/10 ,  G06Q20/40

    CPC classification number: G06Q20/401 ,  G06Q20/102 ,  G06Q20/341 ,  G06Q20/3829 ,  G06Q20/409 ,  H04L9/0841 ,  H04L9/0869 ,  H04L9/3066 ,  H04L63/1408 ,  H04L2209/08 ,  H04L2209/16 ,  H04L2209/56

    Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

    Abstract translation: 提供了用于在交易设备和交互点之间执行交易的方法和设备。 与此相关，用于与交互点交互以执行消费者的交易的设备包括包括支付应用程序和系统环境模块的处理器，其中系统环境模块被配置为确定支付应用程序是否符合 一个交易。 该设备还包括与处理器通信的输入，并被配置为从与交易相关的交互点接收交易数据，以及与处理器通信的输出，并被配置为将交易数据传送到与 当系统环境模块确定支付应用程序符合交易条件时的交易。

    Combicard transaction method and system having an application parameter update mechanism
    7.
    发明授权
    Combicard transaction method and system having an application parameter update mechanism 有权
    Combicard交易方法和系统具有应用参数更新机制

    公开(公告)号：US09010631B2

    公开(公告)日：2015-04-21

    申请号：US14010907

    申请日：2013-08-27

    Applicant: MasterCard International Incorporated

    Inventor： Patrick Mestré

    IPC: G06K5/00 ,  G06K7/08 ,  G06K19/06 ,  G06Q20/20 ,  G06Q20/34

    CPC classification number: G06Q20/401 ,  G06Q20/208 ,  G06Q20/3226 ,  G06Q20/3229 ,  G06Q20/3255 ,  G06Q20/34 ,  G06Q20/341 ,  G06Q20/354 ,  G06Q20/3552 ,  G06Q20/3563 ,  G06Q20/3829

    Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

    Abstract translation: 描述了用于更新参数的系统，方法和IC卡装置，例如解除阻塞或阻塞或重新阻塞IC卡装置上的应用程序，由此集成电路卡装置获得一个或多个活动应用程序和可选的一个或多个休眠应用程序。 发行人在使用主要应用程序时由持卡人采取行动触发发行，发行人将发送命令，例如， 以卡片的形式，其将更新另一应用的参数，例如， 要“唤醒”这个或每个休眠的应用程序。 提供了一种在主应用程序处于活动状态时为休眠应用程序解块的卡上机制。 对于使用该卡执行的任何进一步的交易，持卡人将在卡片上未解锁的应用程序之间提供选择。 可选地，读卡机制还可以阻止或重新阻塞应用程序或执行其他动作。

    Electronic authentication systems
    8.
    发明授权
    Electronic authentication systems 有权

    公开(公告)号：US11354663B2

    公开(公告)日：2022-06-07

    申请号：US16692156

    申请日：2019-11-22

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Patrick Mestré ,  Patrik Smets

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/38 ,  H04L9/30 ,  H04L9/08 ,  H04L9/40

    Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

    SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION
    10.
    发明申请
    SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION 有权
    用于移动PIN码同步的系统和方法

    公开(公告)号：US20140344166A1

    公开(公告)日：2014-11-20

    申请号：US14277261

    申请日：2014-05-14

    Applicant: MasterCard International Incorporated

    Inventor： Ian Maddocks ,  Simon Phillips ,  David A. Roberts ,  Mehdi Collinge ,  Sandra Jansen ,  Patrick Mestré

    IPC: G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/4012 ,  G06Q20/322 ,  H04W12/04 ,  H04W12/06

    Abstract: The present invention relates to a method and system for synchronising a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server.The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value.The PIN value is recovered from the received request and stored at the remote server.An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device.The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.

    Abstract translation: 本发明涉及用于将存储在移动计算设备中的个人识别号码（PIN）值与存储在远程服务器上的PIN值进行同步的方法和系统。 远程服务器从移动计算设备接收到记录PIN值的请求，该请求包括PIN值。 PIN值从接收到的请求中恢复并存储在远程服务器。 被配置为将PIN值记录在包括在移动计算设备内的安全硬件元件中的指令集被生成并被发送到移动计算设备。 指令集在移动计算设备上执行，以便将PIN值记录在安全硬件元件上。

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