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公开(公告)号：US11706213B2
公开(公告)日：2023-07-18
申请号：US16681608
申请日：2019-11-12
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Qing Cao , Dennis A. Gamiello , Robert D. Reany
CPC classification number: H04L63/0861 , G06Q20/4016 , G06Q20/40145
Abstract: Systems and methods are provided for facilitating voice authentication of a user in connection with a network transaction. One exemplary method includes receiving an authentication request for a transaction, initiated at a voice interactive device, from a merchant plug-in (MPI) associated with a merchant involved in the transaction, where the authentication request includes a pre-authentication indicator based on voice authentication of a user by the voice interactive device or by a voice authentication service. The method also includes generating a risk score for the transaction based at least in part on the pre-authentication indicator, transmitting the risk score with the authentication request for the transaction to an access controller server (ACS) associated with an issuer of an account to which the transaction is directed, and returning a result response to the MPI where the result response indicates permission to proceed in the transaction based on authentication of the user.
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公开(公告)号：US20210383388A1
公开(公告)日：2021-12-09
申请号：US17409530
申请日：2021-08-23
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ranjita Shankar Iyer , Robert D. Reany , Ashfaq Kamal
Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the message includes a changed attribute for the user. The method also includes generating a first hash of a first digital identity for the user with the changed attribute and generating a second hash of a second digital identity of the user stored in a ledger data structure. And, in response to the first hash not matching the second hash, the method then includes broadcasting a pending status of the first digital identity to a relying party for the second digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.
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公开(公告)号：US20190197815A1
公开(公告)日：2019-06-27
申请号：US15853643
申请日：2017-12-22
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ashfaq Kamal , Sumeet Bhatt , Robert D. Reany
IPC: G07F7/10 , G07C9/00 , H04L29/06 , H04L9/32 , H04L9/08 , G06K9/00 , G06Q20/32 , G06Q20/34 , G06Q20/10 , H04W4/80
CPC classification number: G07F7/1008 , G06K9/00013 , G06K9/00255 , G06Q20/105 , G06Q20/3223 , G06Q20/341 , G07C9/00087 , G07C2009/00095 , H04L9/0861 , H04L9/3247 , H04L63/0823 , H04L63/0861 , H04W4/80 , H04W12/06
Abstract: Systems and methods are provided for use in providing digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of the user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, when the first biometric reference is stored in 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 associated with the comparison of the first biometric to the first biometric reference and a second indicator associated with 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：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
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。
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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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Patent Agency Ranking
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：US20230308437A1
公开(公告)日：2023-09-28
申请号：US18204360
申请日：2023-05-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Qing CAO , Dennis A. Gamiello , Robert D. Reany
CPC classification number: H04L63/0861 , G06Q20/4016 , G06Q20/40145
Abstract: Systems and methods are provided for facilitating voice authentication of a user in connection with a network transaction. One example method includes capturing, by a voice interactive device, a voice command from a user to initiate a transaction with a third party and determining content of the voice command. The method then includes authenticating the user, based on the captured voice command and a voice biometric reference associated with an identifier for at least one of the user and/or the voice interactive device, and transmitting, by the voice interactive device, a purchase request for the transaction consistent with the content of the voice command to the third party. The purchase request includes an indication of biometric authentication for the user, whereby the third party is permitted to initiate an enhanced authentication of the user in connection with the transaction.
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公开(公告)号：US11100503B2
公开(公告)日：2021-08-24
申请号：US15891062
申请日：2018-02-07
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ranjita Shankar Iyer , Robert D. Reany , Ashfaq Kamal
Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the messaging includes a changed attribute for the user. The method also includes generating a hash of a digital identity for the user with the changed attribute, generating a hash of the digital identity of the user stored in a ledger data structure, and transmitting a request for the user to attest to the changed attribute when the generated hashes do not match. The method then further includes broadcasting a pending status of the digital identity of the user to a relying party for the digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.
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公开(公告)号：US20200153821A1
公开(公告)日：2020-05-14
申请号：US16681608
申请日：2019-11-12
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Qing Cao , Dennis A. Gamiello , Robert D. Reany
Abstract: Systems and methods are provided for facilitating voice authentication of a user in connection with a network transaction. One exemplary method includes receiving an authentication request for a transaction, initiated at a voice interactive device, from a merchant plug-in (MPI) associated with a merchant involved in the transaction, where the authentication request includes a pre-authentication indicator based on voice authentication of a user by the voice interactive device or by a voice authentication service. The method also includes generating a risk score for the transaction based at least in part on the pre-authentication indicator, transmitting the risk score with the authentication request for the transaction to an access controller server (ACS) associated with an issuer of an account to which the transaction is directed, and returning a result response to the MPI where the result response indicates permission to proceed in the transaction based on authentication of the user.
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