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    Brain activity-based authentication
    1.
    发明授权
    Brain activity-based authentication 有权

    公开(公告)号：US11494474B2

    公开(公告)日：2022-11-08

    申请号：US16676082

    申请日：2019-11-06

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Simon Phillips

    IPC: G06F21/32 ,  G06F21/36 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/40 ,  A61B5/246 ,  A61B5/377 ,  G06V40/10 ,  G06Q20/32

    Abstract: A method of authentication of a user is provided. The method comprises capturing a brain activity signal from a user; comparing the brain activity signal with reference data; and determining, based at least in part on the comparison, whether the identity of the user can be confirmed. Also provided is a computing device comprising at least one processor and at least one memory. The computing device is adapted to: communicate with a brain activity sensing system to capture a brain activity signal from the user; provide the captured brain activity signal to an authentication service computing system; and authenticate the user based at least in part on the result of a comparison with reference data received from the authentication service computing system. A system comprising the computing device and a brain activity sensing system, and am authentication service computing device are also provided.

    Systems and methods for personalizing payment cards
    2.
    发明授权
    Systems and methods for personalizing payment cards 有权

    公开(公告)号：US11334872B2

    公开(公告)日：2022-05-17

    申请号：US16411816

    申请日：2019-05-14

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Simon Phillips ,  Alan Johnson

    IPC: G06Q20/40 ,  G06Q20/34

    Abstract: A first communication channel is established between a contactless blank IC (integrated circuit) payment card and a mobile device. The mobile device is in proximity to the contactless blank IC payment card. A second communication channel is established, via the mobile device, between a remote personalization server computer and the contactless blank IC payment card. Payment card personalization data is received and stored in the contactless blank IC payment card. The data had been downloaded from the remote personalization server computer to the contactless blank IC payment card via the second communication channel.

    ACCESS CONTROL BYPASS ON MOBILE FOR MASS TRANSIT
    3.
    发明申请
    ACCESS CONTROL BYPASS ON MOBILE FOR MASS TRANSIT 有权

    公开(公告)号：US20210295306A1

    公开(公告)日：2021-09-23

    申请号：US17341924

    申请日：2021-06-08

    Applicant: Mastercard International Incorporated

    Inventor： Ian David Alan Maddocks ,  Simon Phillips ,  Duncan Garrett ,  James John Anderson

    IPC: G06Q20/32 ,  G06Q20/40 ,  H04W4/80 ,  G06Q20/10

    Abstract: A method of operating a payment-enabled mobile device to gain access to a location or a service. In an embodiment, a contactless front-end (CLF) component of a payment-enabled mobile device sequentially detects short-distance radio signals comprising at least two different polling signals, determines based on the sequence of the at least two different polling signals, that the payment-enabled mobile device is in proximity to a non-retail contactless transaction terminal, and then a payment application running on the payment-enabled mobile device bypasses a customary user verification feature. The process also includes the payment-enabled mobile device running the payment application performing a transaction with the non-retail contactless transaction terminal without invoking the customary user verification feature and then gaining access to at least one of a location or service. In some embodiments, the location or service includes one of a transit system, a hotel, a motor vehicle, a workplace, a room, a home, a bank branch, a vehicle charging station and a government facility.

    Dynamic screen logo that transmits shopping basket connection information to mobile device
    4.
    发明授权
    Dynamic screen logo that transmits shopping basket connection information to mobile device 有权

    公开(公告)号：US10248945B2

    公开(公告)日：2019-04-02

    申请号：US15651226

    申请日：2017-07-17

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips ,  Alan Johnson

    IPC: G06Q20/32 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q30/06

    Abstract: A design element is displayed on a display screen. The design element is modulated over time to encode data in the design element. The design element is presented by a merchant. A camera component of a mobile device is used to capture images over time of the design element. A payment application in the mobile device analyzes the captured images to obtain the encoded data. The payment application uses the encoded data to establish a communication channel with a merchant device operated by the merchant. As a result of communication over the communication channel, a purchase transaction is implemented, including transmission of payment credentials to the merchant from the payment application.

    METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM
    7.
    发明申请
    METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM 审中-公开

    公开(公告)号：US20180012226A1

    公开(公告)日：2018-01-11

    申请号：US15712348

    申请日：2017-09-22

    Applicant: MasterCard International Incorporated

    Inventor： Simon Phillips ,  Ronald D. Carter

    IPC: G06Q20/40 ,  G06Q40/00

    CPC classification number: G06Q20/4016 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/12

    Abstract: Methods and systems are described for setting a risk management limit to be applied to authorized purchase transactions for a payment card account. In an embodiment, a payment card issuer sets a risk management limit to be applied to authorized purchase transactions for a payment card account, receives an authorization request for a first purchase transaction, determines that the payment card account is within a threshold amount of the risk management limit, and transmits a warning message to a mobile telephone of the account holder that the risk management limit is imminent. Next, the payment card issuer computer receives a second authorization request for a second purchase transaction, determines that the payment card account now exceeds the risk management limit and that no contact has been received from the account holder, and then suspends the payment card account pending contact from the account holder.

    INDUCTIVE COUPLING FOR BATTERY SHARING AND MULTI-FUNCTION INDUCTIVE ANTENNA
    10.
    发明申请
    INDUCTIVE COUPLING FOR BATTERY SHARING AND MULTI-FUNCTION INDUCTIVE ANTENNA 有权
    用于电池共享和多功能感应天线的感应耦合

    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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