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公开(公告)号：US10650377B2
公开(公告)日：2020-05-12
申请号：US16454414
申请日：2019-06-27
Applicant: MasterCard International Incorporated
Inventor： Simon Collins , Ian Maddocks
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.
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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
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.
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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
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.
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4.发明授权公开(公告)号：US09407333B2
公开(公告)日：2016-08-02
申请号：US14528883
申请日：2014-10-30
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Alan Johnson , Simon Collins
CPC classification number: H04B5/0037 , H02J7/0054 , H02J50/10 , H02J50/80 , H04B1/3883 , H04B5/0031 , H04B5/0093 , H04W4/80 , H04W88/06
Abstract: A mobile device includes a housing and an antenna. The mobile device further includes a power-receiving circuit, and power-transmitting circuit, and a short-range communications circuit. The antenna performs multiple functions in that it is shared by the power-receiving circuit, the power-transmitting circuit and the short-range communications circuit. Each of the three circuits is selectively connectable to the antenna. The mobile device is configured to participate in a mobile-to-mobile battery-charge-sharing operation via inductive coupling from mobile device to mobile device.
Abstract translation: 移动设备包括外壳和天线。 移动设备还包括电力接收电路和电力传输电路以及短距离通信电路。 该天线执行多个功能，即它由电力接收电路，电力传输电路和短距离通信电路共享。 三个电路中的每一个可选择性地连接到天线。 移动设备被配置为通过从移动设备到移动设备的电感耦合来参与移动电话到移动电池的电荷共享操作。
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公开(公告)号：US20150206131A1
公开(公告)日：2015-07-23
申请号：US14262185
申请日：2014-04-25
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Simon Phillips , Simon Collins
CPC classification number: G06Q20/34 , G06Q20/227 , G06Q20/322 , G06Q20/36
Abstract: A method includes receiving a request for a response, where the request has a defined response deadline. The method further includes determining whether optimal response information is available prior to the defined response deadline. Based on a result of such determination, non-optimal information is sent prior to the defined response deadline in response to the request. Thereafter, the optimal response information is sent asynchronously.
Abstract translation: 一种方法包括接收对响应的请求，其中请求具有定义的响应截止日期。 所述方法还包括在所述定义的响应截止日期之前确定最佳响应信息是否可用。 基于这种确定的结果，响应于该请求，在定义的响应截止日期之前发送非最佳信息。 此后，异步发送最优响应信息。
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Patent Agency Ranking
公开(公告)号：US20180130060A1
公开(公告)日：2018-05-10
申请号：US15348176
申请日：2016-11-10
Applicant: MasterCard International Incorporated
Inventor： Joseph Hayes , Prashant Sharma , Simon Collins
CPC classification number: G06Q20/4014 , G06Q20/00 , G06Q30/0633
Abstract: A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.
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7.发明申请公开(公告)号：US20160127011A1
公开(公告)日：2016-05-05
申请号：US14528883
申请日：2014-10-30
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Alan Johnson , Simon Collins
IPC: H04B5/00 , H04B1/3883 , H04W4/00
CPC classification number: H04B5/0037 , H02J7/0054 , H02J50/10 , H02J50/80 , H04B1/3883 , H04B5/0031 , H04B5/0093 , H04W4/80 , H04W88/06
Abstract: A mobile device includes a housing and an antenna. The mobile device further includes a power-receiving circuit, and power-transmitting circuit, and a short-range communications circuit. The antenna performs multiple functions in that it is shared by the power-receiving circuit, the power-transmitting circuit and the short-range communications circuit. Each of the three circuits is selectively connectable to the antenna. The mobile device is configured to participate in a mobile-to-mobile battery-charge-sharing operation via inductive coupling from mobile device to mobile device.
Abstract translation: 移动设备包括外壳和天线。 移动设备还包括电力接收电路和电力传输电路以及短距离通信电路。 该天线执行多个功能，即它由电力接收电路，电力传输电路和短距离通信电路共享。 三个电路中的每一个可选择性地连接到天线。 移动设备被配置为通过从移动设备到移动设备的电感耦合来参与移动电话到移动电池的电荷共享操作。
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公开(公告)号：US10769631B2
公开(公告)日：2020-09-08
申请号：US15348176
申请日：2016-11-10
Applicant: MasterCard International Incorporated
Inventor： Joseph Hayes , Prashant Sharma , Simon Collins
Abstract: A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.
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公开(公告)号：US10380588B2
公开(公告)日：2019-08-13
申请号：US14276071
申请日：2014-05-13
Applicant: MasterCard International Incorporated
Inventor： Simon Collins , Ian Maddocks
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.
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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
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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