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41.发明申请公开(公告)号：US20140337233A1
公开(公告)日：2014-11-13
申请号：US14281205
申请日：2014-05-19
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Stephen Marshall-Rees
IPC: G06Q20/38
CPC classification number: G06Q20/4016 , G06Q20/3278 , G06Q20/352 , G07F7/0893
Abstract: In accordance with some embodiments, apparatus comprises a body defining: a first seat to receive a first device having a wireless communication interface; and a second seat to receive a second device having a wireless communication interface; a first wireless communication interface supported by the body to communicate with the wireless communication interface of the first device; and a second wireless communication interface supported by the body to communicate with the wireless communication interface of the second device. In accordance with some embodiments, apparatus comprises a body comprising a flexible pad; a first communication interface supported by the flexible pad, the first communication interface comprising a first wireless communication interface to communicate with a wireless communication interface of a first device; a second communication interface supported by the flexible pad; and a controller supported by the flexible pad to couple the first wireless communication interface to the second communication interface. In accordance with some embodiments, a method comprises: receiving a first device having a wireless communication interface on a body of a dock; receiving a second device having a wireless communication interface on a body of a dock; communicating with the wireless communication interface of the first device using a first wireless communication interface supported by the body of the dock; and communicating with the wireless communication interface of the second device using a second wireless communication interface supported by the body of the dock.In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder. In some embodiments, an apparatus includes an identification token having a wireless interface; a non-card shaped body that encloses the identification token; and an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device; the identification token to communicate with a proximity coupling device via the wireless interface, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device.
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42.发明申请公开(公告)号：US20130297512A1
公开(公告)日：2013-11-07
申请号：US13931025
申请日：2013-06-28
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , James J. Anderson , Murdo Munro
IPC: G06Q20/40
CPC classification number: G06Q20/409 , G06Q20/32 , G06Q20/3227 , G06Q20/363 , G06Q20/405 , G06Q20/42 , G06Q30/0607 , G06Q40/02
Abstract: A method includes a cardholder device receiving at least one cardholder verification rule from a computer, and storing the cardholder verification rule. The cardholder verification rule prescribes circumstances under which a cardholder is required to perform a cardholder verification process in connection with a purchase transaction. The method includes the cardholder device receiving purchase transaction information from a merchant device, and then determining by using the stored cardholder verification rule, and based on at least one of the received purchase transaction information and current circumstances, that cardholder verification is not required. The cardholder device then uploads payment information to the merchant device to complete the purchase transaction.
Abstract translation: 一种方法包括持卡人设备从计算机接收至少一个持卡人验证规则，并存储持卡人验证规则。 持卡人验证规则规定了持卡人需要在购买交易中执行持卡人验证过程的情况。 该方法包括持卡人设备从商家设备接收购买交易信息，然后通过使用所存储的持卡人验证规则，并且基于所接收的购买交易信息和当前情况中的至少一个来确定不要求持卡人验证。 持卡人设备然后将付款信息上传到商家设备以完成购买交易。
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公开(公告)号：US12118534B2
公开(公告)日：2024-10-15
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
CPC classification number: G06Q20/3278 , G06Q20/102 , G06Q20/3224 , G06Q20/4012 , G06Q20/405 , H04W4/80
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.
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公开(公告)号：US20230377025A1
公开(公告)日：2023-11-23
申请号：US18031138
申请日：2021-10-06
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Raghav Malik , Simon Phillips , Nigel John Raynor
IPC: G06Q30/0601 , G06F40/174
CPC classification number: G06Q30/0637 , G06Q30/0621 , G06Q30/0643 , G06F40/174
Abstract: A method of measuring parameters associated with a website comprising a complex hierarchy of web pages is described. The method is used for a website adapted to support a user journey through multiple web pages to a user destination. The user journey is defined as a sequence of functional steps. A machine learning system is provided which is trained to provide a website navigation system adapted to navigate from a landing screen to a destination screen by performing each functional step in the sequence. The website is then navigated from the landing screen to the destination screen for that website using the website navigation system. One or more parameters resulting from, or associated with, one or more steps of the journey from the landing screen to the destination screen for the website are measured. A computing system suitable for performing the method, and a method of building a suitable website navigation system are also described.
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公开(公告)号：US11734669B2
公开(公告)日：2023-08-22
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
CPC classification number: G06Q20/3278 , G06Q20/102 , G06Q20/3224 , G06Q20/405 , G06Q20/4012 , H04W4/80
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.
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Patent Agency Ranking
公开(公告)号：US10832533B2
公开(公告)日：2020-11-10
申请号：US14808261
申请日：2015-07-24
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , James J. Anderson , Oran Cummins
Abstract: A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.
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公开(公告)号：US20200167767A1
公开(公告)日：2020-05-28
申请号：US16694582
申请日：2019-11-25
Applicant: Mastercard International Incorporated
Inventor： Valerie Wouters , Simon Phillips , Timothy Cheung , Alan Johnson
Abstract: There is provided an intermediary server system for providing data for use in authenticating an interaction between the mobile device and a gateway. This server system comprises: an input configured to receive, from the mobile device, interaction data comprising a plurality of interaction data items associated with the interaction and a security identifier uniquely identifying the interaction. The server system further comprises a processor configured with instructions that when executed cause the processor to: generate a request for reference data to be associated with the security identifier, the request comprising at least one of the plurality of interaction data items and the security identifier; transmit, to a remote authentication server, the generated request; receive, from the remote authentication server, the dynamic reference data; and alter the received interaction data by replacing at least one of the plurality of interaction data items with the dynamic reference data. The server system further comprises an output configured to transmit, to the gateway, the altered interaction data.
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48.发明授权公开(公告)号：US10282729B2
公开(公告)日：2019-05-07
申请号：US14281205
申请日：2014-05-19
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips
Abstract: In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder. In some embodiments, an apparatus includes an identification token having a wireless interface; a non-card shaped body that encloses the identification token; and an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device; the identification token to communicate with a proximity coupling device via the wireless interface, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device.
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公开(公告)号：US10115103B2
公开(公告)日：2018-10-30
申请号：US15602842
申请日：2017-05-23
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips , Jonathan James Main
Abstract: 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.
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公开(公告)号：US09978060B2
公开(公告)日：2018-05-22
申请号：US15601650
申请日：2017-05-22
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips , Jonathan James Main
CPC classification number: G06Q20/3672 , G06Q20/20 , G06Q20/3278 , G06Q20/36 , G06Q20/4014 , G06Q20/40145
Abstract: 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.
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