Mark Wiseman

Title: The Innovations of Mark Wiseman in E-Commerce Security

Introduction

Mark Wiseman, an inventive mind based in Chesterfield, MO, has made significant contributions in the field of e-commerce security. With two patents to his name, he has uniquely approached the challenge of customer authentication during online transactions. Currently, he works for Mastercard International Incorporated, where he collaborates with other experienced professionals in developing advanced security solutions.

Latest Patents

Wiseman's latest patents focus on enhancing the security of online transactions. One notable patent is the "Customer authentication in E-commerce transactions," which discusses a Chip Authentication Program. This program utilizes 3-D Secure protocols to authenticate customers during their online purchases. By employing personal EMV-compliant smart cards, issuers like payment card companies can operate Access Control and Authentication Request Servers, generating authentication tokens at the point of interaction (POI) for each transaction. These tokens are vital for confirming the customer's identity and ensuring card presence at the transaction POI.

His second patent, "Systems and methods for conducting secure payment transactions using a formatted data structure," introduces a streamlined data structure designed to convey results from e-commerce authentication programs. This data structure, capped at a 20-byte length, aligns with 3-D Secure message protocols. It includes essential fields such as the merchant's name hash, authentication service provider details, and a merchant authentication code that associates cardholder information with the transaction. Wiseman's secure payment algorithms form the backbone of this structured approach, employing encryption techniques to protect sensitive information.

Career Highlights

Throughout his career, Mark Wiseman has demonstrated a commitment to elevating the security framework of online transactions. His innovative patents highlight his keen understanding of both technological advancement and consumer protection principles. His work at Mastercard International incorporates cutting-edge methodologies to stay ahead of e-commerce security challenges.

Collaborations

In his professional journey, Wiseman has collaborated with notable colleagues, including Bruce John Rutherford and Arthur D Kranzley. Together, they work towards enhancing transaction security and ensuring safe online environments for consumers.

Conclusion

Mark Wiseman embodies the spirit of innovation in the e-commerce domain. His patents serve as critical advancements in customer authentication, which contribute significantly to the overall security landscape of online transactions. As technology continues to evolve, his work remains at the forefront, ensuring that the safety of online shopping is prioritized.