Patents by Inventor Matthew John Challingsworth

Matthew John Challingsworth 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).

  • MEANS OF AUTHENTICATING A CONSUMER USING DEMAND DEPOSIT ACCOUNT DATA
    Publication number: 20140279522
    Abstract: Authenticating a device holder using a payment device. The method comprises receiving identifying information related to a payment device from a device holder to be authenticated. A data repository is solicited for transactional information related to an account drawn upon by the payment device. One or more challenge questions are presented to the device holder to be authenticated, the challenge questions being related to the transactional information. The device holder to be authenticated responds to the one or more challenge questions. Based on the responses, it is determined whether at least a predetermined number of the responses to the one or more challenge questions corresponds with the transactional information. The device holder may be authenticated based upon the determining that at least a predetermined number of the responses to the one or more challenge questions correspond with the transactional information.
    Type: Application
    Filed: March 15, 2013
    Publication date: September 18, 2014
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Michael Musser, Matthew John Challingsworth, David Aaron Laskin