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    SYSTEM AND METHOD FOR MOBILE PIN SYNCHRONIZATION
    1.
    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。

    Transaction identification and recognition
    2.
    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.

    PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE
    3.
    发明申请
    PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE 审中-公开

    公开(公告)号：US20200234301A1

    公开(公告)日：2020-07-23

    申请号：US16841830

    申请日：2020-04-07

    Applicant: MasterCard International Incorporated

    Inventor： Simon Collins ,  Ian Maddocks

    IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/20

    Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.

    PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE
    6.
    发明申请
    PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE 审中-公开

    公开(公告)号：US20190318357A1

    公开(公告)日：2019-10-17

    申请号：US16454414

    申请日：2019-06-27

    Applicant: MasterCard International Incorporated

    Inventor： Simon Collins ,  Ian Maddocks

    IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/20

    Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.

    TRANSACTION IDENTIFICATION AND RECOGNITION
    8.
    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。

    PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE
    10.
    发明申请
    PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE 审中-公开
    移动设备中的被动卡片验证方法

    公开(公告)号：US20150332271A1

    公开(公告)日：2015-11-19

    申请号：US14276071

    申请日：2014-05-13

    Applicant: MasterCard International Incorporated

    Inventor： Simon Collins ,  Ian Maddocks

    IPC: G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/4012 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/40145

    Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.

    Abstract translation: 在启用付款的智能手机中，可以执行客户验证方法（CVM），而不会提示用户提供任何输入。 所得到的被动CVM过程的结果可以是由智能电话执行的基于风险的决策过程的输入，由销售点终端和/或通过支付智能手机访问的支付卡账户的发行者进行。 基于风险的决策过程可以确定支付交易是否被批准或拒绝。

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