Patents by Inventor Florent Hay
Florent Hay 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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Publication number: 20240005328Abstract: Systems and methods are provided for managing disputes in biometric-enabled network interactions. One example computer-implemented method includes receiving, at a biometric identity switch (BIS), a dispute notification for a biometric-enabled network interaction involving an account of a user, and retrieving biometric data specific to the biometric-enabled network interaction. The method also includes determining, by the BIS) whether the biometric data is representative of the user and, in response to the biometric data not being representative of the user, requesting, from a biometric service provider, a biometric identifier for an additional user, based on the biometric data.Type: ApplicationFiled: June 12, 2023Publication date: January 4, 2024Inventors: Patrik Smets, Florent Hay, Eddy Van De Velde
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Publication number: 20230360014Abstract: A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.Type: ApplicationFiled: July 12, 2023Publication date: November 9, 2023Inventors: Florent HAY, Eddy VAN DE VELDE, Patrick MESTRE
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Patent number: 11803838Abstract: Application management services for simulated contactless cards support applying payment when a provisioned card (cardholder profile) is stored in volatile memory of a computing device by maintaining a first channel open between a payment application and a provisioning service while communicating payment information to a point of sale terminal over a second channel.Type: GrantFiled: September 18, 2020Date of Patent: October 31, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Florent Hay, Patrick Mestre
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Patent number: 11704649Abstract: A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.Type: GrantFiled: September 3, 2020Date of Patent: July 18, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Florent Hay, Eddy Van De Velde, Patrick Mestre
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Publication number: 20230153790Abstract: A bridge service is provided to support multi-user simulated contactless cards that in response to receiving a request to provision a secure element with payment card profile information of a user, provisions a token representing the payment card profile, converts the token representing the payment card profile into a format for the payment application; and provides the payment card profile to the payment application, the payment card profile comprising a single use key. The bridge service enables simulated contactless cards to store payment card information for a user on volatile memory instead of the persistent, secure element memory.Type: ApplicationFiled: January 17, 2023Publication date: May 18, 2023Inventors: Patrick MESTRE, Florent HAY
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Publication number: 20230129991Abstract: Systems and methods are provided for facilitating biometric-enabled network interactions. One example computer-implemented method includes receiving, at a biometric identity switch, from a terminal associated with a party, a request for an enrollment of a biometric of a user for biometric-enabled network interactions, the request including a biometric template of the user, identifying a biometric service provider associated with the biometric template, requesting from the identified service biometric provider, a biometric identifier for the user, based on the biometric template, receiving the biometric identifier from the identified biometric service provider, and then storing the biometric identifier for the user in a user profile, whereby the user is enrolled for biometric-enabled network interactions using the biometric.Type: ApplicationFiled: October 20, 2022Publication date: April 27, 2023Inventors: Florent Hay, Eddy Van De Velde, Patrik Smets
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Patent number: 11556918Abstract: A bridge service is provided to support multi-user simulated contactless cards that in response to receiving a request to provision a secure element with payment card profile information of a user, provisions a token representing the payment card profile, converts the token representing the payment card profile into a format for the payment application; and provides the payment card profile to the payment application, the payment card profile comprising a single use key. The bridge service enables simulated contactless cards to store payment card information for a user on volatile memory instead of the persistent, secure element memory.Type: GrantFiled: September 18, 2020Date of Patent: January 17, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrick Mestre, Florent Hay
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Publication number: 20220067687Abstract: A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.Type: ApplicationFiled: September 3, 2020Publication date: March 3, 2022Inventors: Florent HAY, Eddy VAN DE VELDE, Patrick MESTRE
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Patent number: 11138583Abstract: During recent years, chip-based transactions has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with relevant specifications and standards such as the EMV standards. A computer implemented transaction method is provided that enables a first application to be switched with a second application whilst the transaction is in progress, and without loss of information relating to the transaction.Type: GrantFiled: January 27, 2020Date of Patent: October 5, 2021Assignee: Mastercard International IncorporatedInventors: John Tierney, Florent Hay
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Patent number: 11107055Abstract: During recent years, chip-based payment has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with the EMV specifications and standards. A computer-implemented payment transaction method is provided comprising: providing a standard EMV Contactless payment transaction protocol POI terminal, receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly; continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and selecting, by the POI terminal, the user-selected payment application to continue the payment transaction.Type: GrantFiled: October 9, 2019Date of Patent: August 31, 2021Assignee: Mastercard International IncorporatedInventors: Enda Rice, Florent Hay
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Publication number: 20210090069Abstract: A bridge service is provided to support multi-user simulated contactless cards that in response to receiving a request to provision a secure element with payment card profile information of a user, provisions a token representing the payment card profile, converts the token representing the payment card profile into a format for the payment application; and provides the payment card profile to the payment application, the payment card profile comprising a single use key. The bridge service enables simulated contactless cards to store payment card information for a user on volatile memory instead of the persistent, secure element memory.Type: ApplicationFiled: September 18, 2020Publication date: March 25, 2021Inventors: Patrick MESTRE, Florent HAY
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Publication number: 20210090070Abstract: Application management services for simulated contactless cards support applying payment when a provisioned card (cardholder profile) is stored in volatile memory of a computing device by maintaining a first channel open between a payment application and a provisioning service while communicating payment information to a point of sale terminal over a second channel.Type: ApplicationFiled: September 18, 2020Publication date: March 25, 2021Inventors: Florent HAY, Patrick MESTRE
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Patent number: 10840975Abstract: A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and the second computing device using a communication technology are established. A first interaction is performed using the first channel and an additional interaction is performed using the second channel. Suitable first and second computing devices are also described.Type: GrantFiled: July 28, 2017Date of Patent: November 17, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrik Smets, Patrick Mestre, Florent Hay, Kuan Hua Chen, Shilpa Harvey
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Publication number: 20200258066Abstract: During recent years, chip-based transactions has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with relevant specifications and standards such as the EMV standards. A computer implemented transaction method is provided that enables a first application to be switched with a second application whilst the transaction is in progress, and without loss of information relating to the transaction.Type: ApplicationFiled: January 27, 2020Publication date: August 13, 2020Applicant: Mastercard International IncorporatedInventors: John Tierney, Florent Hay
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Publication number: 20200134587Abstract: During recent years, chip-based payment has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with the EMV specifications and standards. A computer-implemented payment transaction method is provided comprising: providing a standard EMV Contactless payment transaction protocol POI terminal, receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly; continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and selecting, by the POI terminal, the user-selected payment application to continue the payment transaction.Type: ApplicationFiled: October 9, 2019Publication date: April 30, 2020Applicant: Mastercard International IncorporatedInventors: Enda Rice, Florent Hay
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Publication number: 20200090161Abstract: A smart card adapted for staging a transaction for performance in connection with a terminal of a transaction system is provided. The smart card includes a processor and a memory. The memory includes transaction staging code and user payment credentials. The smart card also includes a biometric input device, a display, and a clock. On successful biometric input through the biometric input device, the processor is adapted to run the transaction staging code to provide transaction staging information including the user payment credentials and a freshness factor derived from a time value from the clock. The transaction staging information is displayed on the display as an optical code for reading at the terminal of the transaction system. A method of using such a smart card to stage a transaction is also provided.Type: ApplicationFiled: September 17, 2019Publication date: March 19, 2020Inventors: Florent Hay, Eddy Van de Velde
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Publication number: 20190197535Abstract: Identification protocols, such as those developed by EMVCo LLC, ensure worldwide interoperability between POI terminals and chip-based payment applications and devices. These standardized data interactions are very limited, and make the implementation of new functionalities very difficult, and it takes years before the standards are agreed and implemented. An identification transaction method comprising: commencing, by a POI terminal, an EMV-compliant identification transaction with an identification devices; receiving, by the POI terminal, an indication from the identification device that the device may participate in non-EMV compliant identification transactions; responding by either: (a) continuing the EMV-compliant identification transaction with the identification devices if the indication is negative or no indication is received; or (b) commencing and continuing a non-EMV compliant identification transaction with the identification devices if the indication is positive.Type: ApplicationFiled: December 7, 2018Publication date: June 27, 2019Inventors: Enda Rice, Florent Hay
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Publication number: 20190114617Abstract: There is presented a method and a computing device for user authentication and transaction staging on a user device. The method comprises authenticating a user of the user device by a first device verification method and generating transaction credentials at the user device. The method further comprises generating at least one optical code data corresponding to the transaction credentials and displaying the at least one optical code on the user device in a form suitable for scanning by a second device to progress a transaction with the second device.Type: ApplicationFiled: October 10, 2018Publication date: April 18, 2019Inventors: Florent Hay, Kuan Hua Chen, David Anthony Roberts
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Patent number: 9928382Abstract: Systems, methods, and computer program products are provided for performing content management operations. At least one memory stores data, and a central security domain manages instructions on behalf of one or more service provider security domains. The instructions are received, over a network, from a trusted service manager. The instructions are processed in at least one of the one or more determined service provider security domains, using the data stored in the at least one memory. The data includes one or more generic applications, each of which can be instantiated for one or more service providers.Type: GrantFiled: March 17, 2016Date of Patent: March 27, 2018Assignee: GOOGLE LLCInventors: Michael J. Gargiulo, Florent Hay
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Publication number: 20180034511Abstract: A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and the second computing device using a communication technology are established. A first interaction is performed using the first channel and an additional interaction is performed using the second channel. Suitable first and second computing devices are also described.Type: ApplicationFiled: July 28, 2017Publication date: February 1, 2018Inventors: Patrik Smets, Patrick Mestre, Florent Hay, Kuan Hua Chen, Shilpa Harvey