Mastercard International Incorporated

Other

Mastercard International Incorporated Purchase

Mondex International Limited

David Anthony Roberts

Patrik Smets

Duncan Garrett

Michael C Ward

Jonathan James Main

John Robert Wankmueller

Simon Phillips

Mehdi Collinge

John Beric

Eddy L H Van De Velde

Colin Tanner

Susan Thompson

Cristian Radu

Patrick Mestré

Paul Michael Evans

Ronald D Carter

Ian Maddocks

Axel Cateland

Brian John Piel

Eddy Lodewijk Hortensia Van De Velde

Jean-Paul Edmond Rans

Leland Stanford Englebardt

Sowmya Reddy Lakka

Alexandru Cunescu

David Bibby

Vincenzo Palomba

David William Hawkins

Michael John Cowen

Ian David Alan Maddocks

James Christian Noe

Florent Hay

Maurice David Liscia

Edgar W Parnell

Eddy Van De Velde

Ian George Buntain

Alan Mushing

Christopher John Pearson

Theresa L Smith

Leslie Roy Hatton

Barry Sim Hochfield

James David Sinton

Axel Emile Jean Charles Cateland

Sandra Jansen

Kuan Hua Chen

Enda Rice

Patricia Bateson

Sagitha George

Anouska Ladds

David John Sylvester

Ngassam Ngnoumen

John Gaitanos

David Kenneth Meadon

Edward L H Van De Velde

Ramin Aghdaee

Joseph Pitcher

Mohamed Abou El Enin

Bengt Horsma

Dimitrios Markakis

Emil Johan Sjoberg

Dave Sylvester

Chirodeep Aikat

Clive Leader

Tim Stuart

Jason Field

Michael Ward

Michael Christopher Ward

John Wankmueller

Theresa Smith

James C Noe

Brian Piel

Crsitian Radu

Ian David Maddocks

There is presented a method and a computing device for user authentication and transaction staging on a user device. The method comprises authenticating a user of the user device by a first device verification method and generating transaction credentials at the user device. The method further comprises generating at least one optical code data corresponding to the transaction credentials and displaying the at least one optical code on the user device in a form suitable for scanning by a second device to progress a transaction with the second device.

User authentication and transaction staging

A cord stopper for moving along a length of cord and releasably engaging the cord includes a body delimiting a channel for passing the cord through the body. The channel defines a first path and a second path for the cord, with the paths being selectable by rotating the body relative to the cord. A cord engagement portion provided along the first path is configured to engage the cord such that movement of the cord stopper along the cord is restricted when the first path is selected. A cord passing portion in the channel is configured to permit the cord stopper to move along the length of the cord when the second path is selected. Further provided are a cord stopper assembly including the cord stopper and the cord, and methods. Methods of using and manufacturing the cord stopper.

Cord stopper and methods for using and manufacturing the same

There is provided an authentication system for validating identity credentials of a user attempting to access a resource provided by a remote resource provision system. The authentication system includes an input configured to receive, from the resource provision system, an authentication request comprising a cryptographic representation of digital identity data of the user and an associated token identifier, where the digital identity data comprises at least one image of an identity credential of the user. The system also includes a processor configured to: determine a pre-stored cryptographic identifier corresponding to the token identifier; and compare the received cryptographic representation with the pre-stored cryptographic identifier. The system further includes an output configured to transmit, to the remote resource provision system and in response to determining a match between the received cryptographic representation and the pre-stored cryptographic identifier, an authentication confirmation indicating successful validation of the digital identity data.

Identity authentication and validation

A method for trusted notifications comprises: receiving, at a first host having at least one trusted server, a request message from a sender computing device, the request message comprising a request identifier and instructions to: update, at a second host, a recipient account associated with a recipient computing device, and to make a corresponding update at the first host to a sender account associated with the sender computing device. The method further comprises authorizing, at the first host, the request message; updating the sender account; generating a secure message at the at least one trusted server, the secure message comprising the request identifier and an indication from the at least one trusted server that the update completed; and sending the secure message from the first host to the sender computing device. The secure message can be received at the sender computer device and conveyed to the recipient computing device.

Method and system for trusted notifications

A system and method for generating and provisioning payment credentials to a mobile device lacking a secure element includes receiving and storing by the mobile device a card profile from a remote system. The card profile may include payment credentials corresponding to a payment account and a profile identifier. The mobile device may receive a mobile personal identification number (PIN) input by a user of the mobile device and transmit a key request to the remote system. The mobile device may receive a single use key which may include an application transaction counter and a generating key from the remote system. The mobile device may generate a payment cryptogram valid for a single financial transaction based on the received single use key and the mobile PIN and transmit the payment credentials and the generated payment cryptogram to a point-of-sale terminal for use in a financial transaction.

Systems and methods for processing mobile payments by provisoning credentials to mobile devices without secure elements

Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

Systems and methods for use in authenticating users in connection with network transactions

Cord stopper

Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device. The mobile device then receives one or more cryptographic keys, generates an unpredictable number (UN), generates dynamic CVC3 data based on the UN, and then assembles emulated magnetic stripe data. During initiation of a purchase transaction, the mobile device processor transmits the emulated magnetic stripe data to a communications interface associated with a merchant device.

Methods and apparatus for conducting secure magnetic stripe card transactions with a proximity payment device

A transaction device is described. The device comprises storage configured to store a first data record comprising first value data and a unique identifier associated with one other device; communications circuitry configured to receive an identifier and second value data from a device; and control circuitry configured to compare the received identifier with the unique identifier and in the event of a positive comparison, the control circuitry is further configured to update the stored first value data in accordance with the exchanged second value data.

Transaction device, computer program and transaction method

Systems and methods relating to identity authentication and validation

Examples provide a system and method for initiating contactless communication sessions between computing devices using a variety of modalities. A user pre-registers a selected modality for triggering session initiation. A session initiation device generates trigger data based on a detected occurrence of a predetermined event corresponding to a user selected modality, such as, but not limited to, biometric data, a unique user identifier (ID), a vehicle identifier, or any other type of modality. The trigger data is mapped to a mobile device ID. The mobile device ID can be requested from a connection server. The communication session is established between the first computing device and the mobile user device using the mobile device identifier. The computing device transmits data to the mobile user device via the established communication session when the computing device is brought into proximity to the mobile user device.

Contactless communication session initiation between devices

A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction.

Transaction cryptogram

A method for a goods manager to authenticate products at the point of sale is provided. The method comprises: providing an authentication device to a merchant, wherein the authentication device is not associated with a product but is configured to receive product information from a merchant terminal; once information about a product has been received by the authentication device from the merchant terminal, obtaining from the authentication device a signed message comprising information about the authentication device and information about the product received from the merchant terminal; and providing authorization data to the authentication device if the information fulfils one or more criteria, thereby associating the authentication device with the product. A method for a merchant to authenticate goods at the point of sale and a merchant terminal to perform such a method are also provided.

Authentication of goods

Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.

Growing community of inventors

Warrington, United Kingdom

David Anthony Roberts