公开(公告)号：US20160210608A1

公开(公告)日：2016-07-21

申请号：US14983080

申请日：2015-12-29

Applicant: MasterCard International Incorporated

Inventor： Robert D. Reany ,  Steve Hubbard ,  Dennis A. Gamiello ,  Janet Marie Smith ,  Gregory D. Williamson

IPC: G06Q20/22 ,  G06Q20/36

CPC classification number: G06Q20/227 ,  G06Q20/36 ,  G06Q20/405

Abstract: A method includes receiving, from a merchant, transaction data and supplemental data relating to a payment account transaction. The method further includes accessing at least one service selection rule. Also, based on the at least one service selection rule and the transaction data and supplemental data, at least one service is selected. The selected service(s) are provided to the merchant in connection with the payment account transaction.

Abstract translation: 一种方法包括从商家接收交易数据和与支付账户交易相关的补充数据。 该方法还包括访问至少一个服务选择规则。 此外，基于至少一个服务选择规则和交易数据和补充数据，选择至少一个服务。 与所述支付账户交易有关的所选服务被提供给商家。

公开(公告)号：US20180240120A1

公开(公告)日：2018-08-23

申请号：US15438488

申请日：2017-02-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Laurie Ann Nicoletti ,  Elisabeth Lea Rode ,  Janet Marie Smith ,  Brandon Craig Bryson ,  Sameer Tare ,  Brian Piel ,  Steve Hubbard

IPC: G06Q20/40

CPC classification number: G06Q20/40145 ,  G06F21/32 ,  G06Q20/305 ,  G06Q20/325 ,  G06Q30/016

Abstract: Systems and methods are provided for use in enhancing security associated with services related to payment or banking accounts, in connection with communication between consumers and consumer service call centers associated with the accounts. One exemplary method includes receiving, at a computing device, a request to authenticate a consumer to a payment or banking account from a call center associated with consumer services for the account, and soliciting a biometric from the consumer. The method also includes receiving biometric data from a communication device associated with the consumer relating to the solicited biometric, and confirming the received biometric data based on reference biometric data for the consumer. The method then further includes transmitting an authentication confirmation to the call center, when the received biometric data is confirmed, whereby the call center is able to proceed in providing the consumer services to the consumer with or without security questions.

公开(公告)号：US20170109752A1

公开(公告)日：2017-04-20

申请号：US14883835

申请日：2015-10-15

Applicant: MasterCard International Incorporated

Inventor： Steve Hubbard ,  Sheryl J. Lock

IPC: G06Q20/40 ,  H04L29/06 ,  G06Q20/34

CPC classification number: G06Q20/4014 ,  G06Q20/34 ,  G06Q20/3821 ,  G06Q20/4016 ,  H04L63/10

Abstract: Methods and systems for authorizing an online purchase transaction. In some embodiments, during an online transaction a merchant plug-in (MPI) application of a merchant server receives a cardholder authentication message including an enhanced accountholder authentication variable (AAV) from an issuer access control server (ACS). The MPI application then transmits a purchase transaction authorization request message to a payment gateway that includes the enhanced AAV, and receives a purchase transaction authorization response. The merchant server computer displays the purchase transaction authorization response on a merchant webpage and stores it along with the enhanced AAV in association with the cardholder data in an MPI database.

公开(公告)号：US20150294313A1

公开(公告)日：2015-10-15

申请号：US14684749

申请日：2015-04-13

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Gregory D. Williamson ,  Steve Hubbard ,  Bob Reany

IPC: G06Q20/40 ,  G06Q20/32

Abstract: Multi-factor authentication techniques are described that use secure push authentication technology for transactions. An embodiment includes receiving, by an assurance platform operating as an authentication service platform, a user authentication request and transaction data from an access control server (ACS), determining an authentication rule, generating a user validation request message, transmitting the user validation request message to a user mobile device, and receiving user authentication data. The assurance platform then validates the user authentication data, transmits a device authentication request, receives a device authentication response signed with a private key of the user, and authenticates the user based on the device authentication response and private key.

Abstract translation: 描述了使用安全推送认证技术进行交易的多因素认证技术。 一个实施例包括由作为验证服务平台的保证平台从访问控制服务器（ACS）接收用户认证请求和交易数据，确定认证规则，生成用户验证请求消息，发送用户验证请求消息 到用户移动设备，并且接收用户认证数据。 然后，保证平台验证用户认证数据，发送设备认证请求，接收用用户私钥签名的设备认证响应，并根据设备认证响应和私钥认证用户。