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1. 发明授权

US11188893B2 Access control bypass on mobile for mass transit 有权
公开(公告)号：US11188893B2
公开(公告)日：2021-11-30
申请号：US15334735
申请日：2016-10-26
申请人： MasterCard International Incorporated
发明人： Ian David Alan Maddocks , Simon Phillips , Duncan Garrett , James John Anderson
IPC分类号： G06Q20/40 , G06Q30/02 , G06Q20/32 , G06Q20/34 , G06Q20/38 , H04W4/80 , G06Q20/10
摘要： A method of operating a payment-enabled mobile device includes detecting, by the mobile device, that the mobile device is in proximity to a non-retail contactless transaction terminal. The method further includes permitting operation of an application program in the mobile device. The permitting of operation of the application program is in response to the detected proximity of the non-retail contactless transaction terminal. The operation of the application program is to engage in a transaction with the non-retail contactless transaction terminal while bypassing a user verification feature of the application program.

2. 发明申请

US20200167766A1 SECURITY AND AUTHENTICATION OF INTERACTION DATA 审中-公开
公开(公告)号：US20200167766A1
公开(公告)日：2020-05-28
申请号：US16694536
申请日：2019-11-25
申请人： Mastercard International Incorporated
发明人： Ian David Alan Maddocks , Alan Johnson , David Anthony Roberts
IPC分类号： G06Q20/38 , H04W88/16 , H04L29/06 , G06Q20/32 , H04W12/06
摘要： There is provided a computer-implemented method of authenticating an interaction carried out between a mobile device and a gateway, the method being carried out by an authentication system remote from the mobile device and the gateway. The method comprises the steps of: receiving one or more first data items from the gateway, the one or more first data items including dynamic data corresponding to one or more second data items uniquely identifying the interaction, wherein one of the second data items corresponds to a portion of a counter value associated with the interaction; and extracting the counter value portion from the dynamic data. The method further comprises calculating one or more candidate counter values which could correspond to the counter value associated with the interaction; generating, for each of the one or more candidate counter values, a piece of corresponding candidate dynamic data based on one or more of the other first data items; and comparing each of the candidate dynamic data to the received dynamic data to ascertain whether a match is obtained.

3. 发明授权

US09826341B2 Device content provisioning system 有权
公开(公告)号：US09826341B2
公开(公告)日：2017-11-21
申请号：US15077031
申请日：2016-03-22
申请人： MasterCard International Incorporated
发明人： Ian David Alan Maddocks , Simon Phillips
IPC分类号： H04B7/00 , H04W4/00 , G06Q20/32 , G06Q30/06
CPC分类号： H04W4/008 , G06Q20/32 , G06Q20/3278 , G06Q30/0601 , H04W4/80
摘要： The present disclosure relates to a method and system for provisioning a portable electronic device comprising a first short-range communications module, with content data from a networked remotely located content provider, using an electronic bridging device. The method comprises the steps of: establishing a first communication channel between a networked electronic bridging device and the portable electronic device, the electronic bridging device comprising a second short-range communications module, and the first communication channel being established using the first and second short-range communications module; establishing a second communication channel between the networked electronic bridging device and the networked remotely located content provider; provisioning the portable electronic device with the content data by transmitting the content data from the remotely located content provider to the portable electronic device using the first and second communication channels.

4. 发明申请

US20160286342A1 DEVICE CONTENT PROVISIONING SYSTEM 有权
标题翻译：设备内容提供系统
公开(公告)号：US20160286342A1
公开(公告)日：2016-09-29
申请号：US15077031
申请日：2016-03-22
申请人： MasterCard International Incorporated
发明人： Ian David Alan Maddocks , Simon Phillips
IPC分类号： H04W4/00 , G06Q20/32
CPC分类号： H04W4/008 , G06Q20/32 , G06Q20/3278 , G06Q30/0601 , H04W4/80
摘要： The present disclosure relates to a method and system for provisioning a portable electronic device comprising a first short-range communications module, with content data from a networked remotely located content provider, using an electronic bridging device. The method comprises the steps of: establishing a first communication channel between a networked electronic bridging device and the portable electronic device, the electronic bridging device comprising a second short-range communications module, and the first communication channel being established using the first and second short-range communications module; establishing a second communication channel between the networked electronic bridging device and the networked remotely located content provider; provisioning the portable electronic device with the content data by transmitting the content data from the remotely located content provider to the portable electronic device using the first and second communication channels.
摘要翻译：本公开涉及一种使用电子桥接设备来提供包括来自联网的位于远程的内容提供商的内容数据的第一短距离通信模块的便携式电子设备的方法和系统。该方法包括以下步骤：在联网的电子桥接设备和便携式电子设备之间建立第一通信信道，所述电子桥接设备包括第二短距离通信模块，并且所述第一通信信道使用第一和第二短路建立通信模块; 在联网的电子桥接设备和联网的位于远程的内容提供商之间建立第二通信信道; 通过使用第一和第二通信信道将内容数据从位于远程的内容提供商发送到便携式电子设备来为便携式电子设备提供内容数据。

5. 发明申请

US20210295306A1 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
申请人： Mastercard International Incorporated
发明人： Ian David Alan Maddocks , Simon Phillips , Duncan Garrett , James John Anderson
IPC分类号： G06Q20/32 , G06Q20/40 , H04W4/80 , G06Q20/10
摘要： 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.

6. 发明授权

US10956889B2 Method and system for contactless payment via quick response code 有权
公开(公告)号：US10956889B2
公开(公告)日：2021-03-23
申请号：US15956268
申请日：2018-04-18
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Ian David Alan Maddocks , Harjender Singh
IPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/40 , G06Q20/38
摘要： A method for contactless conveyance of transactional data includes: displaying, on a display device interfaced with a computing device, a machine-readable code, wherein the machine-readable code is encoded with transaction data; receiving, by a receiver of the computing device, a trigger notification; generating, by the computing device, a contactless data message, wherein the contactless data message is formatted according to one or more standards and includes at least the transaction data formatted according to the one or more standards; and electronically transmitting, by a transmitter of the computing device, the generated contactless data message to a point of sale device using a contactless communication protocol.

7. 发明申请

US20170255929A1 MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION 审中-公开
公开(公告)号：US20170255929A1
公开(公告)日：2017-09-07
申请号：US15602842
申请日：2017-05-23
申请人： MasterCard International Incorporated
发明人： Ian David Alan Maddocks , Simon Phillips , Jonathan James Main
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q20/20 , G06Q20/40
CPC分类号： G06Q20/3672 , G06Q20/20 , G06Q20/3278 , G06Q20/36 , G06Q20/4014 , G06Q20/40145
摘要： In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

8. 发明申请

US20160217467A1 SECURITY FOR MOBILE PAYMENT APPLICATIONS 审中-公开
标题翻译：移动支付应用安全
公开(公告)号：US20160217467A1
公开(公告)日：2016-07-28
申请号：US14983973
申请日：2015-12-30
申请人： MasterCard International Incorporated
发明人： Patrik Smets , Axel Cateland , Ian David Alan Maddocks , David Anthony Roberts
IPC分类号： G06Q20/40 , G06Q20/32
摘要： A mobile computing device having at least one processor and at least one memory, together providing a first execution environment and a second execution environment logically isolated from the first execution environment, the mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.
摘要翻译：一种具有至少一个处理器和至少一个存储器的移动计算设备，一起提供与第一执行环境逻辑隔离的第一执行环境和第二执行环境，所述移动计算设备包括：可在第一执行环境内执行的第一应用; 在第二执行环境内可执行的第二可信应用程序; 以及第一应用和第二可信应用之间的安全通信信道，其中所述第二可信应用被配置为生成一个或多个数据项，并且经由所述安全通信信道将所述一个或多个数据项提供给所述第一应用。

9. 发明授权

US11734669B2 Access control bypass on mobile for mass transit 有权
公开(公告)号：US11734669B2
公开(公告)日：2023-08-22
申请号：US17341924
申请日：2021-06-08
申请人： Mastercard International Incorporated
发明人： Ian David Alan Maddocks , Simon Phillips , Duncan Garrett , James John Anderson
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/20 , G06Q20/38 , G06Q20/10 , H04W4/80
CPC分类号： G06Q20/3278 , G06Q20/102 , G06Q20/3224 , G06Q20/405 , G06Q20/4012 , H04W4/80
摘要： 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.

10. 发明申请

US20200334647A1 Systems and Methods for Use in Transferring Funds Between Payment Accounts 审中-公开
公开(公告)号：US20200334647A1
公开(公告)日：2020-10-22
申请号：US16920273
申请日：2020-07-02
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Sandeep Malhotra , Ian David Alan Maddocks
IPC分类号： G06Q20/10 , G06Q20/32 , G06Q20/22
摘要： Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

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