Mastercard International Incorporated

Simon Phillips

Ian David Alan Maddocks

Jonathan James Main

Alan Johnson

Ronald D Carter

Mehdi Collinge

David Anthony Roberts

James John Anderson

Mark Britten

Patrik Smets

Duncan Garrett

Patrick Mestré

Barry R Mosteller

Cristian Radu

Stephen Marshall-Rees

John Robert Wankmueller

Colin Tanner

Oran Cummins

Michael John Cowen

Paul Vanneste

Ian Maddocks

Sandra Jansen

Simon Collins

Raghav Malik

John Gaitanos

Nigel John Raynor

Bengt Horsma

Andy Yardley

A method of measuring parameters associated with a website comprising a complex hierarchy of web pages is described. The method is used for a website adapted to support a user journey through multiple web pages to a user destination. The user journey is defined as a sequence of functional steps. A machine learning system is trained to provide a website navigation system adapted to navigate from a landing screen to a destination screen by performing each functional step in the sequence. The website is then navigated from the landing screen to the destination screen using the website navigation system. One or more parameters resulting from, or associated with, one or more steps of the journey from the landing screen to the destination screen for the website are measured. A computing system suitable for performing the method, and a method of building a suitable website navigation system are also described.

Website monitoring and assessment

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.

Access control bypass on mobile for mass transit

Various implementation described herein are directed to a method for providing access control. User information is received at a device. A request to provide access control is generated by the device based on the received user information. The request is transmitted via a network to an access manager. A response to the request is received from the access manager. Access control via the device is provided based on the response to the request.

Devices, methods and computer readable mediums for providing access control

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.

A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.

Nano-code-based reporting and authentication systems

A method of authentication of a user is provided. The method comprises capturing a brain activity signal from a user; comparing the brain activity signal with reference data; and determining, based at least in part on the comparison, whether the identity of the user can be confirmed. Also provided is a computing device comprising at least one processor and at least one memory. The computing device is adapted to: communicate with a brain activity sensing system to capture a brain activity signal from the user; provide the captured brain activity signal to an authentication service computing system; and authenticate the user based at least in part on the result of a comparison with reference data received from the authentication service computing system. A system comprising the computing device and a brain activity sensing system, and am authentication service computing device are also provided.

Brain activity-based authentication

Pursuant to some embodiments, systems, methods and computer program code are provided for receiving a transaction request message, the transaction request message specifying transaction attributes for a proposed payment transaction involving a user of a mobile device and a merchant, comparing the transaction attributes with a permitted transaction rule, the permitted transaction rule having been stored in the mobile device prior to receiving the transaction request message, approving the proposed transaction upon determining that the transaction attributes satisfy the permitted transaction rule, the approving including generating a transaction cryptogram, and transmitting the transaction cryptogram to the merchant for use in completing the proposed payment transaction.

Device-based transaction authorization

A first communication channel is established between a contactless blank IC (integrated circuit) payment card and a mobile device. The mobile device is in proximity to the contactless blank IC payment card. A second communication channel is established, via the mobile device, between a remote personalization server computer and the contactless blank IC payment card. Payment card personalization data is received and stored in the contactless blank IC payment card. The data had been downloaded from the remote personalization server computer to the contactless blank IC payment card via the second communication channel.

Systems and methods for personalizing payment cards

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.

A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

Receipt processing and access service

According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.

Method and apparatus for use in personalizing identification token

A wheel assembly for installation on a shopping cart to retro-fit the shopping cart for facilitating self-checkout. The wheel assembly may include a support structure and a wheel rotatably supported on the support structure. The wheel assembly may further include a rechargeable battery supported by the support structure and a charging module supported on the support structure. In addition, the wheel assembly may include a force-detection module configured to provide a signal related to an item event in which an item is deposited within the shopping cart. Still further, the wheel assembly may include a processing and communications unit configured to receive the signal from the force-detection module. The processing and communications unit may transmit the signal to a device that is separate from the wheel assembly.

Self-checkout in retail stores

Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.

Method and system for multiple payment applications

Back-up credentials data is stored for a user. A communication channel is established with a mobile device. A cryptogram is received from the mobile device, such that the cryptogram is relayed by the mobile device from an authentication device that interacted with the mobile device. The authentication device is associated with the user. The cryptogram is verified. In response to the verification of the cryptogram, the stored back-up credentials data is made accessible to the mobile device.

User authentication method and device for credentials back-up service to mobile devices

A pre-authenticated token system includes an identification token having a switch, a transmitter and receiver circuit, and a sensor; a docking station having control circuitry, a transmit/receive circuit and an antenna; a personal computer; and an authentication server computer. The personal computer transmits security information to the authentication server, receives authentication information, and transmits an authentication signal to the docking station. The docking station receives the authentication signal, enters an authentication mode, and transmits the authentication signal to the identification token. The sensor of the identification token detects removal of the identification token from the user's body, and the switch then responds by disabling the identification token to prevent transmission of identification data.

Growing community of inventors

York, United Kingdom

Simon Phillips