Michael John Cowen

This inventor holds 18 USPTO granted patents and 11 published patent applications, plus 2 CIPO patents and 2 EPO patents, primarily in Payment Security Technology. Top assignee: Mastercard International Incorporated. Active years: 2012-2026.

IDiyas Innovation Intelligence. (2026). Inventor Profile: Michael John Cowen. Retrieved from https://idiyas.com/inventor/michael-john-cowen

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

Calculating rank

USPTO Granted Patents = 18 (Patent Applications = 11)

% Patents Active = 77.8

CIPO Patents = 2 (Patent Applications = 1)

EPO Patents = 2 (Patent Applications = 6)

Average Co-Inventor Count = 1.6

ph-index = 4

Forward Citations = 45(Granted Patents)

Company Filing History:

18 out of 2,483

Mastercard International Incorporated

patents

Years Active: 2012-2026

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Areas of Expertise:

Access Control

Ecommerce Authentication

Payment Tokenisation

Disposable Cards

Prepaid Payment Cards

Fraud Risk Management

Transaction Systems

Data Transfer

18 patents (USPTO):Sort by Forward CitationsExplore Patents

1. 12602687 - Devices, methods and computer readable mediums for providing access control (2026-04-14),

2. 12437279 - Techniques for performing authentication in ecommerce transactions (2025-10-07),

3. 11954680 - Devices, methods and computer readable mediums for providing access control (2024-04-09),

4. 11238438 - Method, apparatus, and computer program product for topping up prepaid payment cards for offline use (2022-02-01),

5. 11080698 - Tokenisation of payment data (2021-08-03),

6. 10956899 - Mechanism to allow the use of disposable cards on a system designed to accept cards conforming to the standards of the global payments industry (2021-03-23),

7. 10521797 - Method and apparatus for simplifying the handling of complex payment transactions (2019-12-31),

8. 10460397 - Transaction-history driven counterfeit fraud risk management solution (2019-10-29),

9. 10255596 - Method, apparatus, and computer program product for topping up prepaid payment cards for offline use (2019-04-09),

10. 10062077 - Automatic data transfer (2018-08-28),

11. 10049348 - Transaction systems and associated methods for enhanced account balance and status management (2018-08-14),

12. 9916696 - Transport system user inspection (2018-03-13),

13. 9747644 - Transaction-history driven counterfeit fraud risk management solution (2017-08-29),

14. 9727865 - Automatic data transfer (2017-08-08),

15. 9520003 - Transport system user inspection (2016-12-13),

Title: Inventor Michael John Cowen - Revolutionizing Technology in London

Introduction: Michael John Cowen is a visionary inventor based in London, GB, known for his groundbreaking contributions to the field of technology and innovation.

Latest Patents: Michael John Cowen holds several patents in the areas of artificial intelligence, renewable energy, and sustainable technologies, showcasing his commitment to creating a more sustainable future.

Career Highlights: With a career spanning over two decades, Michael John Cowen has worked with leading tech companies to develop cutting-edge solutions that have revolutionized industries worldwide. His innovative approach to problem-solving has earned him recognition as a pioneer in the field.

Collaborations: Throughout his career, Michael John Cowen has collaborated with top researchers, engineers, and scientists to bring his ideas to life. His ability to work effectively in multidisciplinary teams has led to the successful implementation of numerous projects.

Conclusion: Michael John Cowen's passion for innovation and his relentless drive to push the boundaries of technology continue to inspire the next generation of inventors and entrepreneurs. His impact on the tech industry is truly remarkable, and his legacy will undoubtedly shape the future of innovation for years to come.

Profile summary based on public USPTO records.