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公开(公告)号：US12033142B2
公开(公告)日：2024-07-09
申请号：US17633509
申请日：2019-08-21
Applicant: Google LLC
Inventor： Hannia Zia , Heman Khanna , Animesh Chatterji , Stavan Parikh , Ridhima Kedia , Bogdan Brinzarea Iamandi
CPC classification number: G06Q20/38215 , G06Q20/3227 , G06Q20/326 , G06Q20/4014 , H04L9/0825 , G06Q2220/00 , H04L2209/56
Abstract: A method 1000 for authenticating operations within consent architecture includes obtaining an operation request 142 requesting a service application 140 to access a remote entity 130 to perform an operation (138). The method also includes issuing, by the service application, an authentication request 152 requesting an authenticator application 150 to obtain user authentication credentials 154 for authenticating a user 12 before the remote entity performs the operation. The method also includes encrypting, by the authenticator application, the obtained user authentication credentials using a public key 132 of the remote entity. The service application is restricted from obtaining the user authentication credentials in unencrypted form. The method also includes providing, by the authenticator application, the encrypted user authentication credentials to the service application and transmitting, by the service application, the operation request and the encrypted user authentication credentials to the remote entity.
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公开(公告)号：US20220300962A1
公开(公告)日：2022-09-22
申请号：US17633509
申请日：2019-08-21
Applicant: Google LLC
Inventor： Hannia Zia , Heman Khanna , Animesh Chatterji , Stavan Parikh , Ridhima Kedia , Bogdan Brinzarea Iamandi
Abstract: A method 1000 for authenticating operations within consent architecture includes obtaining an operation request 142 requesting a service application 140 to access a remote entity 130 to perform an operation (138). The method also includes issuing, by the service application, an authentication request 152 requesting an authenticator application 150 to obtain user authentication credentials 154 for authenticating a user 12 before the remote entity performs the operation. The method also includes encrypting, by the authenticator application, the obtained user authentication credentials using a public key 132 of the remote entity. The service application is restricted from obtaining the user authentication credentials in unencrypted form. The method also includes providing, by the authenticator application, the encrypted user authentication credentials to the service application and transmitting, by the service application, the operation request and the encrypted user authentication credentials to the remote entity.
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公开(公告)号：US20210125179A1
公开(公告)日：2021-04-29
申请号：US17078638
申请日：2020-10-23
Applicant: Google LLC
Inventor： Mateusz Waldemar Mach , Mark Damien Walick , Brian Wesley Goldman , John P. Kozura , Daniel Jeng , Paul Copenhaver , Ridhima Kedia , Jett Wilson Rink , Sarat Chandra Tummala
Abstract: Computing systems and methods can use machine learning to improve the authorization of payments by payment systems. Specifically, contrary to existing payment authorization approaches which are static in nature, example aspects of the present disclosure are directed to machine learning systems which enable the dynamic and real-time optimization of one or more variable request parameters associated with a payment authorization request. Specifically, example computing systems described herein can employ one or more machine-learned models to assist in selection of a particular payment processor to which the authorization request is routed, optimization of one or more variable message parameters included in the authorization message (e.g., selection of values for a merchant identification, a merchandise category code, a transaction type, and/or other variable message parameters), and/or automatic generation and/or execution of an automated retry strategy that can be executed if a first authorization request is declined.
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