Patents by Inventor Sébastien Pochic
Sébastien Pochic 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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Patent number: 11823184Abstract: A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.Type: GrantFiled: September 17, 2021Date of Patent: November 21, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Enda Rice, Eddy Van De Velde, Sebastien Pochic, Mark Aquilina, Charl Frederik Botes
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Patent number: 11627355Abstract: According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.Type: GrantFiled: February 7, 2019Date of Patent: April 11, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 11429940Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: GrantFiled: October 21, 2019Date of Patent: August 30, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates
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Publication number: 20220005035Abstract: A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.Type: ApplicationFiled: September 17, 2021Publication date: January 6, 2022Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Enda RICE, Eddy VAN DE VELDE, Sebastien POCHIC, Mark AQUILINA, Charl Frederik BOTES
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Patent number: 11151560Abstract: A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.Type: GrantFiled: March 20, 2017Date of Patent: October 19, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Enda Rice, Eddy Van De Velde, Sebastien Pochic, Mark Aquilina, Charl Frederik Botes
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Patent number: 10956912Abstract: Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.Type: GrantFiled: April 5, 2016Date of Patent: March 23, 2021Assignee: Mastercard International IncorporatedInventors: Cristian Radu, Fikret Ates, Sebastien Pochic, Lukas Ekselius
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Patent number: 10902309Abstract: A system and method of manufacturing and/or assembling packaged electronic modules for use with smart cards is disclosed. The packaged electronic modules may include contact plate(s), printed circuit(s) and/or value add components such as displays.Type: GrantFiled: January 16, 2020Date of Patent: January 26, 2021Inventors: Cyril Lalo, Sebastien Pochic, Jacques Essebag
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Publication number: 20200167624Abstract: A system and method of manufacturing and/or assembling packaged electronic modules for use with smart cards is disclosed. The packaged electronic modules may include contact plate(s), printed circuit(s) and/or value add components such as displays.Type: ApplicationFiled: January 16, 2020Publication date: May 28, 2020Inventors: Cyril Lalo, Sebastien Pochic, Jacques Essebag
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Patent number: 10592795Abstract: The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a business with the capability to avoid additional capital expenditure required for special equipment and enables all existing card manufacturers to manufacture smart cards with embedded electronics.Type: GrantFiled: March 11, 2019Date of Patent: March 17, 2020Inventors: Cyril Lalo, Sebastien Pochic, Jacques Essebag
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Publication number: 20200051048Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: ApplicationFiled: October 21, 2019Publication date: February 13, 2020Inventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates
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Patent number: 10523005Abstract: According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials.Type: GrantFiled: August 12, 2016Date of Patent: December 31, 2019Assignee: Mastercard International IncorporatedInventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 10515362Abstract: A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.Type: GrantFiled: November 19, 2013Date of Patent: December 24, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cristian Radu, Fikret Ates, Erik Lukas Ekselius, Sebastien Pochic, Fernando Lourenco
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Patent number: 10496967Abstract: A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.Type: GrantFiled: October 16, 2015Date of Patent: December 3, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sebastien Pochic, Barry Alan Maidment, Mehdi Collinge, Fikret Ates
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Publication number: 20190205718Abstract: The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a business with the capability to avoid additional capital expenditure required for special equipment and enables all existing card manufacturers to manufacture smart cards with embedded electronics.Type: ApplicationFiled: March 11, 2019Publication date: July 4, 2019Inventors: Cyril Lalo, Sebastien Pochic, Jacques Essebag
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Publication number: 20190174163Abstract: According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.Type: ApplicationFiled: February 7, 2019Publication date: June 6, 2019Inventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 10268942Abstract: The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a business with the capability to avoid additional capital expenditure required for special equipment and enables all existing card manufacturers to manufacture smart cards with embedded electronics.Type: GrantFiled: July 10, 2017Date of Patent: April 23, 2019Inventors: Cyril Lalo, Sebastien Pochic, Jacques Essebag
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Patent number: 10250929Abstract: A method of disseminating a digital wallet to a target device is described. The method comprises searching, with a searching device, on a local network for the target device, and pushing the digital wallet to the target device.Type: GrantFiled: October 23, 2014Date of Patent: April 2, 2019Assignee: Mastercard International IncorporatedInventors: Lukas Ekselius, Fikret Ates, Sebastien Pochic
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Patent number: 10235674Abstract: This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can also be used with other form factors and in other environments not related to payments such as balance inquiries. The DSC Values can be calculated by a DSC Generator Server or on the card itself.Type: GrantFiled: January 29, 2018Date of Patent: March 19, 2019Assignee: ELLIPSE WORLD, INC.Inventors: Jacques Essebag, Sébastien Pochic, Cyril Lalo
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Publication number: 20190012588Abstract: The present invention is a packaged electronic module with embedded electronics for use in smart cards. This invention assembles a plurality of electronics components on a flexible printed circuit, together with an integrated circuit chip and a contact plate, into a module. This module can then be embedded into a plastic card, using regular milling techniques, by a card manufacturer. This method packages the plurality of electronics components into a module. The present invention provides a business with the capability to avoid additional capital expenditure required for special equipment and enables all existing card manufacturers to manufacture smart cards with embedded electronics.Type: ApplicationFiled: July 10, 2017Publication date: January 10, 2019Inventors: Cyril Lalo, Sebastien Pochic, Jacques Essebag
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Publication number: 20180268406Abstract: A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.Type: ApplicationFiled: March 20, 2017Publication date: September 20, 2018Applicant: Mastercard International IncorporatedInventors: Enda RICE, Eddy VAN DE VELDE, Sebastien POCHIC, Mark AQUILINA, Charl Frederik BOTES