公开(公告)号：US20160162893A1

公开(公告)日：2016-06-09

申请号：US14561575

申请日：2014-12-05

Applicant: MasterCard International Incorporated

Inventor： Ashfaq Kamal ,  Mark Klausen

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/34

CPC classification number: G06Q20/405 ,  G06Q20/3226 ,  G06Q20/34

Abstract: An open, on-device Cardholder Verification Method (“CVM”) controller may receive CVM policies from issuers and store the policies in a database. The open, on-device CVM controller may then receive a request from a remote mobile device, and automatically determine at least one issuer associated with the request. Appropriate CVM policies may be retrieved and transmitted to the remote mobile device. An open, on-device CVM application executing on the mobile device may then receive a CVM authentication request, associated with a payment token, from a payment application. Responsive to the authentication request, a CVM policy may be accessed based on the payment token. It may then be arranged for an authenticator of the mobile device to authenticate a user in accordance with the CVM policy. When the user is authenticated, an authentication success indication may be sent from the open, on-device CVM application to the payment application.

Abstract translation: 开放的设备上的持卡人验证方法（“CVM”）控制器可以从发行者接收CVM策略，并将策略存储在数据库中。 打开的设备上的CVM控制器然后可以从远程移动设备接收请求，并且自动地确定与该请求相关联的至少一个发行者。 可以检索适当的CVM策略并将其发送到远程移动设备。 在移动设备上执行的开放的设备上CVM应用程序然后可以从支付应用程序接收与支付令牌相关联的CVM认证请求。 响应于认证请求，可以基于付款令牌来访问CVM策略。 然后可以安排移动设备的认证者根据CVM策略认证用户。 当用户被认证时，认证成功指示可以从打开的在设备CVM应用发送到支付应用。