Patents by Inventor Ian Maddocks
Ian Maddocks 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: 20200234301Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.Type: ApplicationFiled: April 7, 2020Publication date: July 23, 2020Inventors: Simon Collins, Ian Maddocks
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Patent number: 10650377Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.Type: GrantFiled: June 27, 2019Date of Patent: May 12, 2020Assignee: Mastercard International IncorporatedInventors: Simon Collins, Ian Maddocks
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Publication number: 20190318357Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.Type: ApplicationFiled: June 27, 2019Publication date: October 17, 2019Inventors: Simon Collins, Ian Maddocks
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Patent number: 10380588Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.Type: GrantFiled: May 13, 2014Date of Patent: August 13, 2019Assignee: Mastercard International IncorporatedInventors: Simon Collins, Ian Maddocks
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Patent number: 10262378Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt.Type: GrantFiled: April 10, 2015Date of Patent: April 16, 2019Assignee: Mastercard International IncorporatedInventors: David A. Roberts, Patrik Smets, Patrick Mestré, Ian Maddocks
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Patent number: 9978054Abstract: A method may include requesting payment infrastructure data from a payment device reader. The method may further includes receiving payment infrastructure data from the payment device reader. The payment infrastructure data that is received may be indicative of a country in which the payment device reader is installed. In addition, the method may include selecting data for transmission to the payment device reader based at least in part on the received payment infrastructure data.Type: GrantFiled: August 20, 2014Date of Patent: May 22, 2018Assignee: Mastercard International IncorporatedInventors: Ian Maddocks, David A. Roberts, Colin Tanner
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Patent number: 9792607Abstract: The present invention relates to a method and system for synchronizing a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server. The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value. The PIN value is recovered from the received request and stored at the remote server. An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device. The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.Type: GrantFiled: May 14, 2014Date of Patent: October 17, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ian Maddocks, Simon Phillips, David A. Roberts, Mehdi Collinge, Sandra Jansen, Patrick Mestré
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Publication number: 20150332271Abstract: In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.Type: ApplicationFiled: May 13, 2014Publication date: November 19, 2015Applicant: MasterCard International IncorporatedInventors: Simon Collins, Ian Maddocks
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Publication number: 20150317748Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt.Type: ApplicationFiled: April 10, 2015Publication date: November 5, 2015Inventors: David A. Roberts, Patrik Smets, Patrick Mestré, Ian Maddocks
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Publication number: 20150294299Abstract: A method may include requesting payment infrastructure data from a payment device reader. The method may further includes receiving payment infrastructure data from the payment device reader. The payment infrastructure data that is received may be indicative of a country in which the payment device reader is installed. In addition, the method may include selecting data for transmission to the payment device reader based at least in part on the received payment infrastructure data.Type: ApplicationFiled: August 20, 2014Publication date: October 15, 2015Inventors: Ian Maddocks, David A. Roberts, Colin Tanner
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Publication number: 20140344166Abstract: The present invention relates to a method and system for synchronising a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server. The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value. The PIN value is recovered from the received request and stored at the remote server. An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device. The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.Type: ApplicationFiled: May 14, 2014Publication date: November 20, 2014Applicant: MasterCard International IncorporatedInventors: Ian Maddocks, Simon Phillips, David A. Roberts, Mehdi Collinge, Sandra Jansen, Patrick Mestré
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Patent number: 8186586Abstract: A system of changing the PIN associated with a smart card is described. A user can initiate the PIN change using a personal unwired smart card reader, rather than using a system, such as an ATM machine. The smart card reader, loaded with the smart card provides a cryptogram code, which can contain the user's requested new PIN or it can be provided to the issuer via alternative methods. Via various methods the cryptogram code is delivered to the card issuer's PIN change management system, including the user transposing the code from smart card reader screen to the card issuer's web site or audio DTMF transmission from the smart card reader speaker to the card issuer IVR system. Returned from the issuer, via a similar path, will be a command code that when processed by the smart card reader will result in a PIN change on the smart card.Type: GrantFiled: June 5, 2009Date of Patent: May 29, 2012Assignee: DataCard CorporationInventor: Ian Maddocks
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Publication number: 20100308109Abstract: A system of changing the PIN associated with a smart card is described. A user can initiate the PIN change using a personal unwired smart card reader, rather than using a system, such as an ATM machine. The smart card reader, loaded with the smart card provides a cryptogram code, which can contain the user's requested new PIN or it can be provided to the issuer via alternative methods. Via various methods the cryptogram code is delivered to the card issuer's PIN change management system, including the user transposing the code from smart card reader screen to the card issuer's web site or audio DTMF transmission from the smart card reader speaker to the card issuer IVR system. Returned from the issuer, via a similar path, will be a command code that when processed by the smart card reader will result in a PIN change on the smart card.Type: ApplicationFiled: June 5, 2009Publication date: December 9, 2010Applicant: Dynamic Solutions InternationalInventor: Ian Maddocks
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Publication number: 20100308110Abstract: A system of changing the PIN associated with a smart card is described. A user can initiate the PIN change using a personal unwired smart card reader, rather than using a system, such as an ATM machine. The smart card reader, loaded with the smart card provides a cryptogram code, which can contain the user's requested new PIN or it can be provided to the issuer via alternative methods. Via various methods the cryptogram code is delivered to the card issuer's PIN change management system, including the user transposing the code from smart card reader screen to the card issuer's web site or audio DTMF transmission from the smart card reader speaker to the card issuer IVR system. Returned from the issuer, via a similar path, will be a command code that when processed by the smart card reader will result in a PIN change on the smart card.Type: ApplicationFiled: June 5, 2009Publication date: December 9, 2010Applicant: Dynamic Solutions InternationalInventor: Ian Maddocks
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Publication number: 20100312709Abstract: A system to support the secure transportation a PIN value protected by the cryptographic features inherent in smart payment application, such as those found in EMV smart cards is described. A user can initiate the protection of the PIN using a personal unwired smart card reader, rather than using a system, such as an ATM machine, a utilize the same a smart device when then payment application is based on a smart device. The payment application, provides a cryptogram code, which can contain the user's selected PIN. The cryptogram code is delivered to the card issuer's PIN management system via various methods, including the user transposing the code from payment application host device's screen to the card issuer's website or audio DTMF transmission from the payment application host device's speaker to the card issuer IVR system, or direct communications through the payment application host device.Type: ApplicationFiled: October 9, 2009Publication date: December 9, 2010Applicant: Dynamic Card Solutions InternationalInventor: Ian Maddocks