Simon Collins

Title: The Innovative Contributions of Simon Collins

Introduction

Simon Collins is a notable inventor based in Guildford, GB, recognized for his significant contributions to the field of payment technologies. With a total of four patents to his name, Collins has made strides in enhancing the security and efficiency of payment transactions.

Latest Patents

One of Collins' latest patents focuses on providing payment credentials securely for telephone order transactions. This method involves receiving a purchase order via a telephone call from a customer, along with a credentials service customer identifier assigned to the customer. The process includes transmitting a message to a credentials service that issued the customer identifier, receiving payment credentials that include a payment token associated with the customer's payment account, and generating a payment account system authorization request message. This authorization request message is then transmitted for routing to the issuer of the payment account.

Another significant patent by Collins is a passive cardholder verification method in a mobile device. This method allows for customer verification without prompting the user for any input. The outcome of this passive customer verification process can be utilized in a risk-based decision process performed by the smartphone, point of sale terminal, or issuer of the payment card account accessed via the payment-enabled smartphone. This innovative approach helps determine whether a payment transaction is approved or declined.

Career Highlights

Simon Collins is currently employed at Mastercard International Incorporated, where he continues to develop innovative payment solutions. His work has been instrumental in advancing the security measures associated with electronic transactions.

Collaborations

Collins collaborates with talented individuals in his field, including Ian Maddocks and Simon Phillips, who contribute to the innovative projects at Mastercard.

Conclusion

Simon Collins exemplifies the spirit of innovation in the payment technology sector. His patents not only enhance transaction security but also improve user experience in payment processes. His contributions are vital in shaping the future of secure payment solutions.