Mastercard International Incorporated

Simon Blythe

Deborah M Kimberg

Mostafa Hussein Sabet

David Colby Brown

Stephen Elder

Alan Cooke

Anant Nambiar

David C Brown

Tatiana Mulry

The present invention relates to secure transmission and reception of electronic messages using an authentication device. The authentication device includes a light sensor that is used to scan a visual element displayed on a display of a user device in conjunction with an electronic message having an encrypted payload. The visual element encodes a unique identifier that the authentication device transmits to a server, receiving in response a cryptographic key stored in association with the unique identifier and usable to decrypt an encrypted payload of the electronic message. The authentication device can also generate encryption keys and corresponding unique identifiers suitable for encryption of payloads of electronic messages.

Authentication device, system and method

A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.

Systems and methods for communicating with a magnetic reader head

An integrated circuit is disclosed. The integrated circuit comprises: a processing region configured to run one instruction from a plurality of instructions; a first temperature measuring region configured to measure a first temperature within the integrated circuit in response to the processing region running the one instruction; the processing region being configured to compare the measured first temperature with a predefined temperature at the first temperature measuring region when the processing region runs the one instruction and to trigger an event when the measured first temperature exceeds the predefined temperature by a threshold value.

Integrated circuit, method and computer program

An integrated circuit card () is described. The integrated circuit card comprises a card body () and two components located in the card body (), wherein a first component () of the two components includes an integrated circuit, and wherein the two components are in communication with a common electrical contact ().

Integrated circuit card

Systems and methods for operating a touch screen for contactless payments are described. In an embodiment, a process includes detecting the presence of multiple proximity payment devices in contact with a touchable surface of a touch screen, displaying a payment option menu for multiple consumers associated with the proximity payment devices, and detecting selection of payment amounts. The process includes reading payment account data from the multiple proximity payment devices, providing the payment account data to a processor, and transmitting the payment account data and the payment amounts associated with the multiple proximity payment devices to a payment server computer. The process may also include receiving one or more payment authorization messages associated with the proximity payment devices, and displaying the payment authorization message(s).

Touch screen system and methods for multiple contactless payments

An integrated circuit card () is described. The integrated circuit card comprises a card body having an opening () extending through the thickness of the card body (); and two components located in the card body () opening (), wherein a first component () of the two components includes an integrated circuit.

Systems and methods for transmitting magnetic stripe data

Systems and methods for waveform transmission of transaction card data

A system for enhancing interpersonal communication is disclosed. The system includes one or more personal computer devices capable of broadcasting and receiving select messages based on overlapping user interests. The device shares identity credentials with other devices to ensure credibility of the information being broadcast and maintains user interests in a portable secure database on the device.

Interpersonal communication enhancer

A system, method, apparatus, means and computer program products for establishing, monitoring and maintaining spending controls in a payment system are provided.

Method and apparatus for transaction management

The present invention advantageously combines communications aspects of mobile devices with financial transaction system capabilities in a novel manner. This advantageous combination enables a user to automatically initiate a financial transaction with a merchant upon the user being located in a particular geographic vicinity. Numerous types of transactions can be enabled using the present invention.

Growing community of inventors

Ely, United Kingdom

Simon Blythe