Mastercard International Incorporated

Mastercard Asia/pacific Pte. Ltd.

Rajat Maheshwari

Prashant Sharma

Sandeep Malhotra

Benjamin Charles Gilbey

Charles Walton

Sunitha Miryala

Frederic Fortin

Karthik Ramanathan

Vijin Venugopalan

Philip Wei Ping Yen

Frédéric Fortin

Systems and methods are provided for binding an IoT device with an identity of a user, whereby action by the IoT device may be attributed to the user. One example computer-implemented method includes verifying a user and, in response to the verification, compiling and storing identifying data for the user. The method also includes receiving an IoT device ID associated with an IoT device, from a communication device associated with the user, and appending the IoT device ID to the identifying data for the user. The method then includes receiving a request indicator from the IoT device, seeking authentication of the user at the communication device, and in response to the request indicator and the authentication of the user, provisioning, to the IoT device, at least a portion of the identifying data for the user.

Systems and methods for use in binding internet of things devices with identities associated with users

Systems and methods are provided for use in appending log entries to a data structure. One exemplary method includes receiving, at a communication device, a log entry from a terminal and signing the log entry with a private key of a key pair specific to the communication device. The method also includes transmitting the signed log entry to an identity provider (IDP) and receiving, by the communication device, from the IDP, a signed, encrypted log entry. The method further includes verifying, by the communication device, a signature of the signed, encrypted log entry based on a public key associated with a key pair specific to the IDP and then appending the encrypted log entry to a digital identity included in the communication device.

Systems and methods for use in appending log entries to data structures

Systems and methods are provided for use in provisioning accounts to mobile devices. One example method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.

Systems and methods for provisioning accounts

An age verification method performed at a mobile device comprises: receiving, from a point-of-sale terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data; verifying, using at least one sensor, an identity of a user of the mobile device; responsive to said verifying, initiating, by a digital wallet application executing on the mobile device, an age verification request to a digital identity application, the age verification request comprising the age requirement data; generating a response message that comprises a response from the digital identity application to the age verification request; and transmitting, to the point-of-sale terminal, the response message and the payment credential for initiation of a transaction authorization request.

Proof-of-age verification in mobile payments

There is provided a method and system for carrying out two factor authentication, which renders an augmented reality environment or a virtual reality environment at the user device to depict an authentication object, and when a user interaction with the authentication object is detected, an authentication code received from an issuer server is displayed at the user device.

System and method for carrying out two factor authentication using augmented/virtual reality

Systems and methods are provided for facilitating network transactions based on user authentication. One exemplary method includes, for a network transaction, receiving, at a card device, an authentication command from an issuer of a payment account associated with the card device. A user of the card device is instructed, at an indicator of the card device, to provide a biometric for use in authenticating the user. Biometric data from the user is captured at biometric sensor of the card device, when the user provides the biometric, and the captured biometric data is compared with reference biometric data stored in a memory of the card device. The card device then returns a command reply to the issuer, where the command reply includes an authentication result based on the comparison, thereby permitting the issuer to employ the authentication result of the user in connection with the network transaction.

Systems and methods for facilitating network transactions based on user authentication

Systems and methods are provided for distributing parcels to users by way of unmanned devices. One computer-implemented method includes actuating a locking mechanism of a compartment of the unmanned device to secure a parcel within the compartment and receiving, from a parcel provider associated with delivering the parcel to a user, a delivery location and a hashed key for the parcel. The method then also includes, at the delivery location of the parcel: capturing an image of a computer-readable indicia representative of a hashed key from the user; determining that the hashed key from the user and the hashed key received from the parcel provider match; and when the hashed keys match, actuating the locking mechanism associated with the compartment of the unmanned device to enable the user to access the compartment and retrieve the parcel.

Systems and methods for use in facilitating verified deliveries

Systems and methods are provided for use in provisioning accounts to applications included in mobile devices. One exemplary method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.

Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, by a computing device, via a first wireless connection, a credential from a mobile device where the credential is specific to an account associated with the mobile device. The method also includes determining an identifier of the mobile device, compiling an authorization request for the network transaction, where the authorization request includes the identifier and the credential, and transmitting the authorization request to a first party for authorization. The method further includes; receiving an authorization reply in response to the authorization request, where the authorization reply includes a result for the network transaction and the identifier, and transmitting, via a second wireless connection, a notification, including the result of the network transaction, to the mobile device, based on the identifier included in the authorization reply. The first wireless connection is different than the second wireless connection.

Systems and methods for use in facilitating network transactions based on user authentication

Systems and methods are provided for binding an IoT device with an identity of a user, whereby action by the IoT device may be attributed to the user. One exemplary method includes receiving identifying data for a user, transmitting an OTP to the user, and receiving an OTP from the user. When the received OTP matches the transmitted OTP, the method includes compiling an identity for the user based on the identifying data, receiving an IoT device ID associated with an IoT device, and appending the IoT device ID to the identity of the user. The method further includes seeking authentication of the user at a communication device of the user, in response to a request indicator from the IoT device, and providing to the IoT device, in response, a confirmation of authentication of the user and/or a portion of the identifying data from the stored identity of the user.

The disclosure facilitates a transaction by determining implicit consent for a transaction from a user by a wearable computing device. A request to complete the transaction is received, biometric data associated with the user is collected, and context data associated with the biometric data is received. In response to the request to complete the transaction, weighted values of the biometric data and the context data are generated based on defined consent rules. Upon the generated weighted values satisfying one or more consent thresholds, implicit consent is determined for the transaction from the user, whereby completion of the transaction is enabled. Accurately determining implicit consent of a user for a transaction based on the user's biometric data streamlines the transaction process into an efficient, user-friendly experience for the user while maintaining the security of the user's identity and account information.

Determining implicit transaction consent based on biometric data and associated context data

System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

Transaction system and method

There is provided a client device, method and system for facilitating a payment from a customer to a merchant. Payment is carried out upon use of voice data for authentication of a user and subsequent transmission of a payment authorization message.

Payment facilitation method and system

A computer device for effecting an authentication procedure associated with a service provider or an application, including a plurality of sensors; and one or more processors in communication with the sensors and non-transitory data storage including, stored thereon, a plurality of instructions which, when executed, cause the one or more processors to perform the steps of (a) receiving an authentication procedure request; (b) determining a hierarchy of authentication processes for the authentication procedure; (c) selecting an authentication process from the hierarchy of authentication processes; and (d) executing the authentication process.

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Singapore, Singapore

Rajat Maheshwari