Patents by Inventor Fikret Ates
Fikret Ates 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: 11627355Abstract: According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.Type: GrantFiled: February 7, 2019Date of Patent: April 11, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 11429940Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: GrantFiled: October 21, 2019Date of Patent: August 30, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates
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Patent number: 10956912Abstract: Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.Type: GrantFiled: April 5, 2016Date of Patent: March 23, 2021Assignee: Mastercard International IncorporatedInventors: Cristian Radu, Fikret Ates, Sebastien Pochic, Lukas Ekselius
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Publication number: 20200051048Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: ApplicationFiled: October 21, 2019Publication date: February 13, 2020Inventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates
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Patent number: 10523005Abstract: According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials.Type: GrantFiled: August 12, 2016Date of Patent: December 31, 2019Assignee: Mastercard International IncorporatedInventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 10515362Abstract: A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.Type: GrantFiled: November 19, 2013Date of Patent: December 24, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cristian Radu, Fikret Ates, Erik Lukas Ekselius, Sebastien Pochic, Fernando Lourenco
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Patent number: 10496967Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: GrantFiled: October 16, 2015Date of Patent: December 3, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates
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Patent number: 10395462Abstract: An authentication arrangement for use in a network payment system for transacting a sale of merchandise over a network using an integrated circuit card is described, the arrangement comprising: a merchant server in communication with said network, said merchant server having at least a first item of merchandise for sale; a client terminal in communication with said network, said client terminal having an output device for reviewing said first item for sale, and an input device for initiating a purchase transaction to purchase said first item for sale, said client terminal being arranged to build a purchase message using information relating to a merchant identifier and financial transaction information obtained from said merchant server; a card reader for communicating with said integrated circuit card, said client terminal having means to generate a challenge message, said challenge message being generated from the information relating to the merchant identifier and an account number, means for receiving theType: GrantFiled: February 28, 2003Date of Patent: August 27, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Fikret Ates
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Publication number: 20190174163Abstract: According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.Type: ApplicationFiled: February 7, 2019Publication date: June 6, 2019Inventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 10250929Abstract: A method of disseminating a digital wallet to a target device is described. The method comprises searching, with a searching device, on a local network for the target device, and pushing the digital wallet to the target device.Type: GrantFiled: October 23, 2014Date of Patent: April 2, 2019Assignee: Mastercard International IncorporatedInventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 9864944Abstract: A display card 301 with a user interface for providing one or more services. The card 301 comprises: an external interface 302, 303 for communication with a terminal external from the card 301; a Chip 401 comprising one or more servers for storing one or more applications, wherein the Chip 401 is arranged to communicate with the external interface 302, 303; a user interface 304, 305, 306 for interacting with a user of the card 301; a micro-terminal 402 for controlling the provision of one or more services, wherein the micro-terminal 402 is arranged to communicate with the user interface 304, 305, 306; and the Chip 401 and micro-terminal 402 are arranged to communicate with each other via an internal interface 403 of the Chip 401. Applications include payment cards and passes.Type: GrantFiled: June 16, 2014Date of Patent: January 9, 2018Assignee: MasterCard International IncorporatedInventors: Cristian Radu, Sebastien Pochic, Fikret Ates
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Patent number: 9595030Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.Type: GrantFiled: February 26, 2016Date of Patent: March 14, 2017Assignee: MasterCard International IncorporatedInventors: Lukas Ekselius, Sebastien Pochic, Fikret Ates, Barry Alan Maidment
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Publication number: 20170047737Abstract: According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials.Type: ApplicationFiled: August 12, 2016Publication date: February 16, 2017Inventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 9514458Abstract: A Chip Authentication Program based on 3-D Secure protocols is provided for authenticating customers' on-line transactions. An issuer, who may be a payment card issuer, operates Access Control and Authentication Request Servers for authenticating transactions by individual customers who are identified by their personal EMV-complaint smart cards. An authentication token is generated at the point of interaction (POI) for each transaction based on information from the customer's smart card and transaction specific information sent directly by the issuer to populate a web page at the POI. Authentication tokens generated at the POI are evaluated by the Authentication Request Server to authenticate individual customer and/or card presence at the transaction POI. Authentication values are transported on-line in designated Universal Cardholder Authentication Fields consistent with 3-D Secure protocols.Type: GrantFiled: June 4, 2004Date of Patent: December 6, 2016Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Bruce Rutherford, Alfred Dagher, Mark Wiseman, Didier Jean Marie Charles Paie, Jean-Paul Edmond Rans, Fikret Ates, John Wankmueller
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Publication number: 20160314452Abstract: Methods and systems for facilitating operation of mobile devices as either consumer payment devices and/or merchant payment devices for completing purchase transactions. A process includes a consumer mobile device initializing a two-sided payment application, receiving a handshake indication at a merchant location from a merchant device running a copy of the two-sided payment application, and establishing a communications path between the consumer mobile device and the merchant device via a remote network connection. Purchase transaction detail data is then exchanged, the purchase transaction detail data is transmitted to a mobile gateway computer for authorization processing, and both the mobile device processor and the merchant device processor receive an authorization message to consummate the purchase transaction.Type: ApplicationFiled: April 23, 2015Publication date: October 27, 2016Inventors: Sebastien Pochic, Fikret Ates, Erik Lukas Ekselius
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Publication number: 20160224981Abstract: Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.Type: ApplicationFiled: April 5, 2016Publication date: August 4, 2016Inventors: Cristian Radu, Fikret Ates, Sebastien Pochic, Lukas Ekselius
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Publication number: 20160180313Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.Type: ApplicationFiled: February 26, 2016Publication date: June 23, 2016Inventors: Lukas Ekselius, Sebastien Pochic, Fikret Ates, Barry Alan Maidment
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Publication number: 20160134720Abstract: The present disclosure relates to a computer implemented method of building a profile for an account holder 101. The method comprises the steps of: accessing, by a computer, information from one or more social networking accounts 103, the social networking accounts being associated with the account holder; incorporating, by a computer, the information into the profile of the account holder 101; and utilising the information when determining, by a computer, at least one of: a risk score of a transaction, targeted special offers, and targeted goods and services that could be of interest to the account holder.Type: ApplicationFiled: November 12, 2014Publication date: May 12, 2016Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sebastien POCHIC, Lukas Ekselius, Fikret Ates
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Patent number: 9317845Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.Type: GrantFiled: December 23, 2014Date of Patent: April 19, 2016Assignee: MasterCard International IncorporatedInventors: Lukas Ekselius, Sebastien Pochic, Fikret Ates, Barry Maidment
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Publication number: 20160071076Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: ApplicationFiled: October 16, 2015Publication date: March 10, 2016Inventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates