Inventor · disambiguated record
Michael J. Cowen
Also filed as: COWEN MICHAEL J · COWEN MICHAEL JOHN
17 granted patents·10 pending applications·57 citations·filing 2009–2022
91Inventor score
Top patents by PatentIndex Score
27 records- 0189US10255596B2Method, apparatus, and computer program product for topping up prepaid payment cards for offline useMASTERCARD INTERNATIONAL INC·Filed 2015·Granted Apr 9, 2019·5 cites·11 claims
- 0288US8341084B2Method, apparatus, and computer program product for topping up prepaid payment cards for offline useCOWEN MICHAEL J·Filed 2009·Granted Dec 25, 2012·19 cites·34 claims
- 0386US8949152B2Method, apparatus, and computer program product for topping up prepaid payment cards for offline useMASTERCARD INTERNATIONAL INC·Filed 2012·Granted Feb 3, 2015·6 cites·7 claims
- 0484US10521797B2Method and apparatus for simplifying the handling of complex payment transactionsMASTERCARD INTERNATIONAL INC·Filed 2015·Granted Dec 31, 2019·3 cites·16 claims
- 0584US10460397B2Transaction-history driven counterfeit fraud risk management solutionMASTERCARD INTERNATIONAL INC·Filed 2017·Granted Oct 29, 2019·3 cites·16 claims
- 0684US9747644B2Transaction-history driven counterfeit fraud risk management solutionMASTERCARD INTERNATIONAL INC·Filed 2014·Granted Aug 29, 2017·6 cites·16 claims
- 0780US10956899B2Mechanism to allow the use of disposable cards on a system designed to accept cards conforming to the standards of the global payments industryTANNER COLIN·Filed 2012·Granted Mar 23, 2021·5 cites·19 claims
- 0876US9727865B2Automatic data transferMASTERCARD INTERNATIONAL INC·Filed 2015·Granted Aug 8, 2017·5 cites·20 claims
- 0976US9098851B2Method and apparatus for simplifying the handling of complex payment transactionsCOWEN MICHAEL J·Filed 2009·Granted Aug 4, 2015·5 cites·17 claims
- 1070US11238438B2Method, apparatus, and computer program product for topping up prepaid payment cards for offline useMASTERCARD INTERNATIONAL INC·Filed 2019·Granted Feb 1, 2022·0 cites·17 claims
- 1160US11080698B2Tokenisation of payment dataMASTERCARD INTERNATIONAL INC·Filed 2019·Granted Aug 3, 2021·0 cites·20 claims
- 1256US10049348B2Transaction systems and associated methods for enhanced account balance and status managementMASTERCARD INTERNATIONAL INC·Filed 2014·Granted Aug 14, 2018·0 cites·10 claims
- 1356US2018268394A1Cash card systemMASTERCARD INTERNATIONAL INC·Filed 2018·Application pending·0 cites
- 1454US11954680B2Devices, methods and computer readable mediums for providing access controlMASTERCARD INTERNATIONAL INC·Filed 2020·Granted Apr 9, 2024·0 cites·10 claims
- 1554US2015206110A1Automatic data transferMASTERCARD INTERNATIONAL INC·Filed 2014·Application pending·0 cites
- 1653US2021406879A1Real Time Selection of Payment AccountMASTERCARD INTERNATIONAL INC·Filed 2021·Application pending·0 cites
- 1753US2022300971A1Selective transaction authorisation method and systemMASTERCARD INTERNATIONAL INC·Filed 2022·Application pending·0 cites
- 1852US2021406907A1Authorization data processing for multiple issuersMASTERCARD INTERNATIONAL INC·Filed 2021·Application pending·0 cites
- 1950US9916696B2Transport system user inspectionMASTERCARD INTERNATIONAL INC·Filed 2016·Granted Mar 13, 2018·0 cites·16 claims
- 2048US9520003B2Transport system user inspectionMASTERCARD INTERNATIONAL INC·Filed 2015·Granted Dec 13, 2016·0 cites·20 claims
- 2148US2017061431A1Systems and Methods of Securing MO/TO ProcessingMASTERCARD INTERNATIONAL INC·Filed 2016·Application pending·0 cites
- 2247US12437279B2Techniques for performing authentication in ecommerce transactionsMASTERCARD INTERNATIONAL INC·Filed 2021·Granted Oct 7, 2025·0 cites·15 claims
- 2347US10062077B2Automatic data transferMASTERCARD INTERNATIONAL INC·Filed 2017·Granted Aug 28, 2018·0 cites·20 claims
- 2445US2015124965A1Document With Verification DataMASTERCARD INTERNATIONAL INC·Filed 2014·Application pending·0 cites
- 2545US2015196845A1Method and system for providing social game use with financial card transactionsMASTERCARD INTERNATIONAL INC·Filed 2014·Application pending·0 cites
- 2643US2011276420A1Cash card systemWHITE ROBERT·Filed 2010·Application pending·0 cites
- 2743US2016071100A1Mechanism for authorising transactions conducted at unattended terminalsMASTERCARD INTERNATIONAL INC·Filed 2015·Application pending·0 cites
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Identity basis: PatentsView inventor disambiguation (2025Q4-odp release). How scoring works →