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公开(公告)号：US20220141218A1
公开(公告)日：2022-05-05
申请号：US17579219
申请日：2022-01-19
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal , Robert D. Reany
Abstract: Systems, methods, and non-transitory computer readable media relate to smartcard biometric enrollment. In an embodiment that does not require a user to visit a central location to provide fingerprint images, an activation code corresponding to a unique ID that uniquely identifies a user of a service is generated and sent to the user. In response, at least one finger image is received from a user device. The image is processed to isolate a fingerprint image, which is used to generate a biometric template that is sent to a smartcard manufacturer and used to configure a smartcard for biometric authentication of the user. In another embodiment, a kiosk/ATM provides smartcard biometric enrollment by detecting a smartcard in the smartcard reader, verifying an ID of a user associated with the smartcard, capturing a biometric image from the user, processing the biometric image to generate a biometric template, and storing the biometric template on the smartcard.
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公开(公告)号：US11240233B2
公开(公告)日：2022-02-01
申请号：US15853648
申请日：2017-12-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
Abstract: Systems and methods are provided for use in provisioning a biometric image template of a user to a card device associated with the user. One exemplary method includes authenticating, by a card device, a portable communication device associated with the user based on a certificate associated with the portable communication device and receiving, at the card device, a biometric image of the user from the portable communication device after the portable communication device is authenticated. The method then includes storing, by the card device, the biometric image of the user in a memory of the card device as a biometric image template of the user, whereby the user may be authenticated, by the card device, based on a subsequent biometric image matching the biometric image template.
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公开(公告)号：US10715520B2
公开(公告)日：2020-07-14
申请号：US15583147
申请日：2017-05-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal , Robert D. Reany
Abstract: Systems, methods, and non-transitory computer readable media decentralizes biometric enrollment. A server receives a request to enroll a user for biometric authentication in association with a unique ID, generates an activation code corresponding to the unique ID, and sends the activation code to the user. A user device receives and validates the activation code. If the activation code is valid, the user device is enabled to: capture at least one biometric image, and to send the biometric image to the server. The server receives at least one biometric image from the user device in response to the activation code and extracts features from at least one biometric image to generate a biometric template based upon the extracted features to enroll the user for biometric authentication without requiring the user to visit a central location to provide at least one biometric image.
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公开(公告)号：US20180167387A1
公开(公告)日：2018-06-14
申请号：US15583174
申请日：2017-05-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal
CPC classification number: H04L63/0861 , G06F16/955 , G06F21/32 , G06F2221/2117 , G06Q20/00 , G06Q20/1085 , G06Q20/18 , G06Q20/354 , G06Q20/40145 , H04L63/062 , H04L63/0853 , H04L63/0876 , H04L63/10
Abstract: Systems, methods, and non-transitory computer readable medium use external databases for biometric authentication. A server receives a request for authentication of a user from a requestor. A notification is sent to a user device associated with the user from the server. A biometric image is received within the server in response to the notification. A biometric ID of the user is sent from the server to an external database for identifying a biometric template stored with the external database. An authentication result indicative of a match between the biometric image and the biometric template is determined and the authentication result is sent to the requestor. The external databases are owned by a third party, and the biometric template of the user was previously generated and stored within the external database in association with the biometric ID.
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公开(公告)号：US11824642B2
公开(公告)日：2023-11-21
申请号：US17588972
申请日：2022-01-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
CPC classification number: H04L63/0861 , G06Q20/20 , H04L63/0823 , H04L63/0853
Abstract: Systems and methods are provided for use in provisioning a biometric image template to a card device. One example portable communication device includes a processor, a wireless communication interface coupled to the processor, and an input device coupled to the processor. The processor is configured to transmit to a card device, via the wireless communication interface, a certificate associated with the portable communication device, whereby the portable communication device is authenticated by the card device, receive from the card device, via the wireless communication interface, a certificate associated with the card device, and authenticate the card device based on the received certificate. After the card device is authenticated, the processor is configured to capture, via the at least one input device, a biometric image of the user and provision, via the wireless communication interface, the captured biometric image to the card device.
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Patent Agency Ranking
公开(公告)号：US11588813B2
公开(公告)日：2023-02-21
申请号：US15583174
申请日：2017-05-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal , Robert D. Reany
Abstract: Systems, methods, and non-transitory computer readable medium use external databases for biometric authentication. A server receives a request for authentication of a user from a requestor. A notification is sent to a user device associated with the user from the server. A biometric image is received within the server in response to the notification. A biometric ID of the user is sent from the server to an external database for identifying a biometric template stored with the external database. An authentication result indicative of a match between the biometric image and the biometric template is determined and the authentication result is sent to the requestor. The external databases are owned by a third party, and the biometric template of the user was previously generated and stored within the external database in association with the biometric ID.
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公开(公告)号：US20220158994A1
公开(公告)日：2022-05-19
申请号：US17588972
申请日：2022-01-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
Abstract: Systems and methods are provided for use in provisioning a biometric image template to a card device. One example portable communication device includes a processor, a wireless communication interface coupled to the processor, and an input device coupled to the processor. The processor is configured to transmit to a card device, via the wireless communication interface, a certificate associated with the portable communication device, whereby the portable communication device is authenticated by the card device, receive from the card device, via the wireless communication interface, a certificate associated with the card device, and authenticate the card device based on the received certificate. After the card device is authenticated, the processor is configured to capture, via the at least one input device, a biometric image of the user and provision, via the wireless communication interface, the captured biometric image to the card device.
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公开(公告)号：US20200234527A1
公开(公告)日：2020-07-23
申请号：US16841115
申请日：2020-04-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
IPC: G07F7/10 , H04L29/06 , H04L9/32 , H04L9/08 , G06K9/00 , G06Q20/32 , G06Q20/34 , G06Q20/10 , H04W4/80 , G07C9/25
Abstract: Systems and methods are provided for use in provisioning digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of a user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, in response to the first biometric reference being stored at the card device. The method also includes capturing, at the card device, a second biometric of the user and comparing the second biometric to a second biometric reference stored at the card device. The method further includes compiling a response to the authentication request including a first indicator of the comparison of the first biometric to the first biometric reference and a second indicator of the comparison of the second biometric to the second biometric reference, and transmitting the response to the communication device.
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公开(公告)号：US12244589B2
公开(公告)日：2025-03-04
申请号：US17473630
申请日：2021-09-13
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Sumeet Bhatt , Ashfaq Kamal
Abstract: Systems and methods are provided for enabling, providing, and managing digital identities in association with mobile devices. One example method includes determining, by a mobile device, that identity data of a user is changed, and prompting the user to identify a third party separate from the mobile device to authenticate the user. The method also includes requesting the third party to authenticate the user, and causing an authentication interface of the third party to be displayed at the mobile device where the authentication interface solicits login credentials for an account of the user at the third party. The method then includes granting, by the mobile device, access to one or more aspects of a mobile application installed at the mobile device, in response to an indication of a successful authentication of the user from the third party.
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10.发明公开公开(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
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.
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