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    Security for mobile payment applications
    21.
    发明授权
    Security for mobile payment applications 有权

    公开(公告)号：US10699277B2

    公开(公告)日：2020-06-30

    申请号：US14983973

    申请日：2015-12-30

    Applicant: MasterCard International Incorporated

    Inventor： Patrik Smets ,  Axel Cateland ,  Ian David Alan Maddocks ,  David Anthony Roberts

    IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/32

    Abstract: 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.

    Systems and methods for use in transferring funds between payment accounts
    24.
    发明授权
    Systems and methods for use in transferring funds between payment accounts 有权

    公开(公告)号：US12299649B2

    公开(公告)日：2025-05-13

    申请号：US18605759

    申请日：2024-03-14

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

    IPC: G06Q20/10 ,  G06Q20/22 ,  G06Q20/32

    Abstract: Systems and methods are provided for facilitating fund transfers between accounts. One example 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, and in response to the captured indicia, displaying the name of the first party, at a mobile device of the user, as a confirmation that the first party is associated with the destination account. The method also includes identifying a payment amount for a fund transfer from a source account issued by a financial institution to the destination account, based on a user input at the mobile device, and compiling and transmitting a transfer request for the fund transfer to a payment network, where the transfer request includes the destination account identifier, a source account identifier for the source account, and the identified payment amount.

    Systems and methods for use in transferring funds between payment accounts
    25.
    发明授权
    Systems and methods for use in transferring funds between payment accounts 有权

    公开(公告)号：US11948133B2

    公开(公告)日：2024-04-02

    申请号：US17739736

    申请日：2022-05-09

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

    IPC: G06Q20/10 ,  G06Q20/22 ,  G06Q20/32

    CPC classification number: G06Q20/10 ,  G06Q20/223 ,  G06Q20/3274 ,  G06Q20/3276

    Abstract: 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.

    ACCESS CONTROL BYPASS ON MOBILE FOR MASS TRANSIT
    26.
    发明公开
    ACCESS CONTROL BYPASS ON MOBILE FOR MASS TRANSIT 审中-公开

    公开(公告)号：US20230342751A1

    公开(公告)日：2023-10-26

    申请号：US18347049

    申请日：2023-07-05

    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

    CPC classification number: G06Q20/3278 ,  G06Q20/405 ,  G06Q20/3224 ,  H04W4/80 ,  G06Q20/102 ,  G06Q20/4012

    Abstract: A contactless transaction terminal and method for interacting with a payment enabled mobile device to permit access to a location or to a service. The contactless transaction terminal includes a processor, a polling signal generator operably connected to the processor, an NFC circuit operably connected to the polling signal generator, and a receiver operably connected to the NFC circuit and to a data recovery circuit that is operably connected to the processor. Also included is a storage device operably connected to the processor. The storage device stores program instructions which when executed cause the processor to generate, via the polling signal generator, short-distance radio signals including at least three polling signals; emit, via the NFC circuit, the at least three polling signals at frequent intervals for detection by a payment-enabled mobile device; receive at least one of a Type A or Type B signal from the payment enabled mobile device; and permit access to at least one of a location or service.

    Systems and methods for use in transferring funds between payment accounts
    27.
    发明授权
    Systems and methods for use in transferring funds between payment accounts 有权

    公开(公告)号：US10740735B2

    公开(公告)日：2020-08-11

    申请号：US15238000

    申请日：2016-08-16

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

    IPC: G06Q20/00 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/22

    Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts, based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing, by a computing device, at least one symbol representative of a destination account identifier associated with the destination account and identifying, by the computing device, a source account. The method further includes receiving, by the computing device, at least one payment parameter and causing, by the computing device, a fund transfer transaction based on the destination account identifier, the source account identifier, and the at least one payment parameter, whereby a payment from the source account to the destination account is initiated.

    METHOD AND SYSTEM FOR CONTACTLESS PAYMENT VIA QUICK RESPONSE CODE
    28.
    发明申请
    METHOD AND SYSTEM FOR CONTACTLESS PAYMENT VIA QUICK RESPONSE CODE 审中-公开

    公开(公告)号：US20190325415A1

    公开(公告)日：2019-10-24

    申请号：US15956268

    申请日：2018-04-18

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Ian David Alan Maddocks ,  Harjender Singh

    IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

    Abstract: 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.

    Systems and Methods for Use in Transferring Funds Between Payment Accounts
    30.
    发明申请
    Systems and Methods for Use in Transferring Funds Between Payment Accounts 审中-公开

    公开(公告)号：US20170262819A1

    公开(公告)日：2017-09-14

    申请号：US15238000

    申请日：2016-08-16

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Sandeep Malhotra ,  Ian David Alan Maddocks

    IPC: G06Q20/10

    Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts, based on source account identifiers included in computer-readable indicia. One exemplary method includes capturing, by a computing device, at least one symbol representative of a destination account identifier associated with the destination account and identifying, by the computing device, a source account. The method further includes receiving, by the computing device, at least one payment parameter and causing, by the computing device, a fund transfer transaction based on the destination account identifier, the source account identifier, and the at least one payment parameter, whereby a payment from the source account to the destination account is initiated.

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