Patents by Inventor Michael Christopher Ward
Michael Christopher Ward 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: 20240029062Abstract: A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.Type: ApplicationFiled: October 5, 2023Publication date: January 25, 2024Applicant: Mastercard International IncorporatedInventors: Mehdi COLLINGE, Susan THOMPSON, Patrik SMETS, David Anthony ROBERTS, Michael Christopher WARD
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Patent number: 11829999Abstract: A system and method for generating and provisioning payment credentials to a mobile device lacking a secure element includes receiving and storing by the mobile device a card profile from a remote system. The card profile may include payment credentials corresponding to a payment account and a profile identifier. The mobile device may receive a mobile personal identification number (PIN) input by a user of the mobile device and transmit a key request to the remote system. The mobile device may receive a single use key which may include an application transaction counter and a generating key from the remote system. The mobile device may generate a payment cryptogram valid for a single financial transaction based on the received single use key and the mobile PIN and transmit the payment credentials and the generated payment cryptogram to a point-of-sale terminal for use in a financial transaction.Type: GrantFiled: November 13, 2019Date of Patent: November 28, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Susan Thompson, Patrik Smets, David Anthony Roberts, Michael Christopher Ward
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Publication number: 20200082395Abstract: A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.Type: ApplicationFiled: November 13, 2019Publication date: March 12, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi COLLINGE, Susan THOMPSON, Patrik SMETS, David Anthony ROBERTS, Michael Christopher WARD
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Patent number: 10515359Abstract: A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.Type: GrantFiled: March 14, 2013Date of Patent: December 24, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Susan Thompson, Patrik Smets, David Anthony Roberts, Michael Christopher Ward
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Patent number: 10476871Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.Type: GrantFiled: December 20, 2018Date of Patent: November 12, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Michael Christopher Ward, Sandra Jansen
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Publication number: 20190124077Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.Type: ApplicationFiled: December 20, 2018Publication date: April 25, 2019Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Michael Christopher WARD, Sandra JANSEN
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Patent number: 10187384Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.Type: GrantFiled: October 12, 2017Date of Patent: January 22, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Michael Christopher Ward, Sandra Jansen
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Patent number: 10007909Abstract: A method for receiving and processing a data message includes: storing at least an encryption key; receiving a data message, the data message including at an encrypted message and a message authentication code, the message authentication code generated using at least a portion of the encrypted message; generating a reference authentication code using at least a portion of the encrypted message included in the received data message; validating the received data message based on a check of the message authentication code included in the received data message against the generated reference authentication code; and decrypting the encrypted message included in the received data message using the stored encryption key to obtain a decrypted message.Type: GrantFiled: December 2, 2014Date of Patent: June 26, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Michael Christopher Ward
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Publication number: 20180041502Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.Type: ApplicationFiled: October 12, 2017Publication date: February 8, 2018Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi COLLINGE, Michael Christopher WARD, Sandra JANSEN
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Patent number: 9825946Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.Type: GrantFiled: December 31, 2015Date of Patent: November 21, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Michael Christopher Ward, Sandra Jansen
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Publication number: 20170063848Abstract: A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.Type: ApplicationFiled: December 31, 2015Publication date: March 2, 2017Applicant: MasterCard International IncorporatedInventors: Mehdi COLLINGE, Michael Christopher WARD, Sandra JANSEN
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Publication number: 20150156176Abstract: A method for receiving and processing a data message includes: storing at least an encryption key; receiving a data message, the data message including at an encrypted message and a message authentication code, the message authentication code generated using at least a portion of the encrypted message; generating a reference authentication code using at least a portion of the encrypted message included in the received data message; validating the received data message based on a check of the message authentication code included in the received data message against the generated reference authentication code; and decrypting the encrypted message included in the received data message using the stored encryption key to obtain a decrypted message.Type: ApplicationFiled: December 2, 2014Publication date: June 4, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi COLLINGE, Michael Christopher Ward
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Publication number: 20130262317Abstract: A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.Type: ApplicationFiled: March 14, 2013Publication date: October 3, 2013Applicant: MasterCard International IncorporatedInventors: Mehdi COLLINGE, Susan Thompson, Patrik Smets, David Anthony Roberts, Michael Christopher Ward