Patents by Inventor Axel Cateland
Axel Cateland has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11620654Abstract: 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.Type: GrantFiled: December 4, 2015Date of Patent: April 4, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Maurice David Liscia, Axel Cateland, Ngassam Ngnoumen, David Anthony Roberts
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Patent number: 10909531Abstract: A mobile computing device has at least one processor and at least one memory together providing a first execution environment and a second execution environment logically isolated from the first execution environment. The following approach is taken to manage data items for an application executing the first execution environment. A trust relationship is established between a trust client in the second execution environment and a remote trusted party and the trust client receives one or more data items from the remote trusted party. On executing the application in the first execution environment, the trust client provides the data items or further data items derived therefrom to the application. Provision of these data items may be conditional upon a user authentication process. A suitable mobile computing device is also described.Type: GrantFiled: May 14, 2015Date of Patent: February 2, 2021Assignee: Mastercard International IncorporatedInventors: David A. Roberts, Patrik Smets, Mehdi Collinge, Axel Cateland
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Patent number: 10699277Abstract: A mobile computing device having at least one processor and at least one memory, together providing a first execution environment and a second execution environment logically isolated from the first execution environment, the mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.Type: GrantFiled: December 30, 2015Date of Patent: June 30, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrik Smets, Axel Cateland, Ian David Alan Maddocks, David Anthony Roberts
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Patent number: 10127534Abstract: A portable device configured to enable completion of transactions. The portable device comprises an input mechanism arranged to enable input of an identifier into the portable device, and a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier. The portable device further comprises a communication module arranged to transmit data relating to the identifier and the payment mechanism selection to a remote server. Completion of a subsequent transaction relating to the identifier is enabled using the selected payment mechanism.Type: GrantFiled: September 23, 2014Date of Patent: November 13, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Axel Cateland, Vincent Schlosser, Valentina Cappelli
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Publication number: 20170032370Abstract: Processes and systems for facilitating purchase transactions with a mobile device. In an embodiment, a mobile device processor receives an indication to conduct a purchase transaction, initializes a secure mobile wallet application and receives a selection of a payment account. The mobile device processor then retrieves a pre-loaded wallet single use key (W_SUK) from a secure storage component, derives a wallet session key (W_SK) utilizing the W_SUK, encrypts transaction data using the W_SK, generates a machine readable code utilizing the encrypted transaction data, and displays the machine readable code on a display screen for reading by a merchant scanner to continue the processing of the purchase transaction.Type: ApplicationFiled: July 27, 2015Publication date: February 2, 2017Inventors: Gabriel Beltramino, Axel Cateland, Maurice David Liscia
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Publication number: 20160232525Abstract: A request may be received for a transaction. In response to the request, a nonce value may be generated. A cryptographic key may be used to cryptographically process a payment token with the nonce value to produce a security code. The payment token, the nonce value and the security code may be transmitted together as payment credentials. In some cases, the nonce value may be in the format for a payment account expiration date.Type: ApplicationFiled: February 11, 2016Publication date: August 11, 2016Inventor: Axel Cateland
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Publication number: 20160217467Abstract: A mobile computing device having at least one processor and at least one memory, together providing a first execution environment and a second execution environment logically isolated from the first execution environment, the mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.Type: ApplicationFiled: December 30, 2015Publication date: July 28, 2016Inventors: Patrik Smets, Axel Cateland, Ian David Alan Maddocks, David Anthony Roberts
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Publication number: 20160162883Abstract: 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.Type: ApplicationFiled: December 4, 2015Publication date: June 9, 2016Inventors: Maurice David Liscia, Axel Cateland, Ngassam Ngnoumen, David Anthony Roberts
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Publication number: 20150348026Abstract: A mobile computing device has at least one processor and at least one memory together providing a first execution environment and a second execution environment logically isolated from the first execution environment. The following approach is taken to manage data items for an application executing the first execution environment. A trust relationship is established between a trust client in the second execution environment and a remote trusted party and the trust client receives one or more data items from the remote trusted party. On executing the application in the first execution environment, the trust client provides the data items or further data items derived therefrom to the application 213. Provision of these data items may be conditional upon a user authentication process. A suitable mobile computing device is also described.Type: ApplicationFiled: May 14, 2015Publication date: December 3, 2015Inventors: David A. Roberts, Patrik Smets, Mehdi Collinge, Axel Cateland
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Publication number: 20150088738Abstract: A portable device configured to enable completion of transactions. The portable device comprises an input mechanism arranged to enable input of an identifier into the portable device, and a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier. The portable device further comprises a communication module arranged to transmit data relating to the identifier and the payment mechanism selection to a remote server. Completion of a subsequent transaction relating to the identifier is enabled using the selected payment mechanism.Type: ApplicationFiled: September 23, 2014Publication date: March 26, 2015Inventors: Axel Cateland, Vincent Schlosser, Valentina Cappelli
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Publication number: 20140358796Abstract: A method of performing a transaction using first and second computing devices is described. A local data connection is established between the first computing device and the second computing device. An amount to transfer is identified at either the first computing device or the second computing device. A first account is identified at the first computing device and a second account at the second computing device. Credentials are provided at the first computing device to authorize the transaction, and encrypted and authenticated transaction data is sent to a payer account provider for value transfer between the first account provider and a second account provider. Confirmation of the completed transaction is then provided to the first computing device and the second computing device. Suitable computer program products and computing devices are provided. This method is particularly effective for providing local person to person value transfers in real time.Type: ApplicationFiled: June 2, 2014Publication date: December 4, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrik Smets, Axel Cateland