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公开(公告)号：US11188893B2
公开(公告)日：2021-11-30
申请号：US15334735
申请日：2016-10-26
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips , Duncan Garrett , James John Anderson
Abstract: 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.
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公开(公告)号：US20200167766A1
公开(公告)日：2020-05-28
申请号：US16694536
申请日：2019-11-25
Applicant: Mastercard International Incorporated
Inventor： Ian David Alan Maddocks , Alan Johnson , David Anthony Roberts
Abstract: 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.
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公开(公告)号：US09826341B2
公开(公告)日：2017-11-21
申请号：US15077031
申请日：2016-03-22
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips
CPC classification number: H04W4/008 , G06Q20/32 , G06Q20/3278 , G06Q30/0601 , H04W4/80
Abstract: 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.
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公开(公告)号：US20160286342A1
公开(公告)日：2016-09-29
申请号：US15077031
申请日：2016-03-22
Applicant: MasterCard International Incorporated
Inventor： Ian David Alan Maddocks , Simon Phillips
CPC classification number: H04W4/008 , G06Q20/32 , G06Q20/3278 , G06Q30/0601 , H04W4/80
Abstract: 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.
Abstract translation: 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。
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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
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：US10956889B2
公开(公告)日：2021-03-23
申请号：US15956268
申请日：2018-04-18
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Ian David Alan Maddocks , Harjender Singh
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.
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公开(公告)号：US20170255929A1
公开(公告)日：2017-09-07
申请号：US15602842
申请日：2017-05-23
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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公开(公告)号：US20160217467A1
公开(公告)日：2016-07-28
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
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.
Abstract translation: 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。
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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：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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