Patents by Inventor Jonathan James Main
Jonathan James Main 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).
-
Publication number: 20240112182Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.Type: ApplicationFiled: November 6, 2023Publication date: April 4, 2024Inventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
-
Patent number: 11810107Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.Type: GrantFiled: August 2, 2021Date of Patent: November 7, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
-
Publication number: 20230274278Abstract: Methods, apparatus and systems for operating a payment-enabled mobile device to facilitate a payment transaction with a merchant server. In an embodiment, a mobile device processor of the payment-enabled mobile device receives a payment transaction request from a user, transmits a payment transaction initiation message directly to a merchant server of the merchant, and receives a request message from the merchant server that includes one of a request to provide an Authorization Request Cryptogram (ARQC) or a request to provide user consent information. The user consent information may include cardholder verification results or a request to provide an ARQC.Type: ApplicationFiled: May 3, 2023Publication date: August 31, 2023Inventors: Patrik Smets, Jonathan James Main, Mehdi Collinge
-
Patent number: 11470659Abstract: Examples provide a system and method for initiating contactless communication sessions between computing devices using a variety of modalities. A user pre-registers a selected modality for triggering session initiation. A session initiation device generates trigger data based on a detected occurrence of a predetermined event corresponding to a user selected modality, such as, but not limited to, biometric data, a unique user identifier (ID), a vehicle identifier, or any other type of modality. The trigger data is mapped to a mobile device ID. The mobile device ID can be requested from a connection server. The communication session is established between the first computing device and the mobile user device using the mobile device identifier. The computing device transmits data to the mobile user device via the established communication session when the computing device is brought into proximity to the mobile user device.Type: GrantFiled: October 23, 2020Date of Patent: October 11, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrik Smets, Eddy Van De Velde, David Anthony Roberts, Jonathan James Main
-
Publication number: 20210357922Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.Type: ApplicationFiled: August 2, 2021Publication date: November 18, 2021Inventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
-
Patent number: 11176547Abstract: A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction.Type: GrantFiled: February 9, 2018Date of Patent: November 16, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrik Smets, Michael Ward, David Anthony Roberts, Jonathan James Main
-
Patent number: 11080697Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.Type: GrantFiled: October 5, 2017Date of Patent: August 3, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
-
Publication number: 20210127436Abstract: Examples provide a system and method for initiating contactless communication sessions between computing devices using a variety of modalities. A user pre-registers a selected modality for triggering session initiation. A session initiation device generates trigger data based on a detected occurrence of a predetermined event corresponding to a user selected modality, such as, but not limited to, biometric data, a unique user identifier (ID), a vehicle identifier, or any other type of modality. The trigger data is mapped to a mobile device ID. The mobile device ID can be requested from a connection server. The communication session is established between the first computing device and the mobile user device using the mobile device identifier. The computing device transmits data to the mobile user device via the established communication session when the computing device is brought into proximity to the mobile user device.Type: ApplicationFiled: October 23, 2020Publication date: April 29, 2021Inventors: Patrik SMETS, Eddy VAN DE VELDE, David Anthony ROBERTS, Jonathan James MAIN
-
Patent number: 10902423Abstract: A method includes maintaining a digital wallet in a computer, and receiving a request for a transaction. The computer may receive and verify user authentication data, and then allow the user to access any payment card account in the digital wallet without requiring additional user authentication, regardless of the account selected for the transaction by the user. In some embodiments, cryptogram generation may be performed with an EMV server in association with the digital wallet, to enhance the level of security assurance for merchants, issuers and users.Type: GrantFiled: February 12, 2015Date of Patent: January 26, 2021Assignee: Mastercard International IncorporatedInventors: Cristian Radu, Jonathan James Main, Eric G. Alger
-
Publication number: 20200273038Abstract: A transaction takes place between a first device and a second device. There is an authorisation system associated with the first device and a transaction support system associated with the second device. The transaction support system and the authorisation system are connected by a transaction infrastructure. A communication path is provided between the second device and the transaction support system. The second device is adapted to take the following actions. It performs a transaction with the first device and receives and generates transaction data. It splits the transaction data into basic transaction data and enhanced transaction data. It provides the basic transaction data to the transaction support system over the communication path. It also provides the enhanced transaction data by a separate route to the authorisation system for reconciliation with the processed transaction provided by the transaction support system for use by the authorisation system in authorising the transaction.Type: ApplicationFiled: February 20, 2020Publication date: August 27, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jonathan James Main, David Anthony Roberts, Kuan Hua Chen, Patrick Mestre
-
Publication number: 20190108515Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.Type: ApplicationFiled: October 5, 2017Publication date: April 11, 2019Inventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
-
Patent number: 10115103Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: GrantFiled: May 23, 2017Date of Patent: October 30, 2018Assignee: Mastercard International IncorporatedInventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main
-
Patent number: 10102523Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: GrantFiled: May 26, 2017Date of Patent: October 16, 2018Assignee: Mastercard International IncorporatedInventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main
-
Publication number: 20180240110Abstract: A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transactionType: ApplicationFiled: February 9, 2018Publication date: August 23, 2018Inventors: Patrik Smets, Michael Ward, David Anthony Roberts, Jonathan James Main
-
Patent number: 9978060Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: GrantFiled: May 22, 2017Date of Patent: May 22, 2018Assignee: Mastercard International IncorporatedInventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main
-
Publication number: 20170262839Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: ApplicationFiled: May 26, 2017Publication date: September 14, 2017Inventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main
-
Publication number: 20170255929Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: ApplicationFiled: May 23, 2017Publication date: September 7, 2017Inventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main
-
Publication number: 20170255928Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: ApplicationFiled: May 22, 2017Publication date: September 7, 2017Inventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main
-
Patent number: 9721319Abstract: Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.Type: GrantFiled: March 28, 2012Date of Patent: August 1, 2017Assignee: MasterCard International IncorporatedInventors: Patrik Smets, David A. Roberts, Simon Phillips, John Gaitanos, Mehdi Collinge, Jonathan James Main
-
Patent number: 9704156Abstract: In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.Type: GrantFiled: January 23, 2014Date of Patent: July 11, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ian David Alan Maddocks, Simon Phillips, Jonathan James Main