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公开(公告)号：US11875349B2
公开(公告)日：2024-01-16
申请号：US16448572
申请日：2019-06-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Robert Albert Ederle , Ranjita Shankar Iyer , Brian Piel , Christopher John Merz , Felix Johannes Flory , Andres Gonzalez
CPC classification number: G06Q20/4016 , G06Q20/12 , G06Q20/3226 , G06Q20/405 , H04L63/08 , H04L63/083 , H04L63/101 , H04W12/67
Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled directory server, the authentication data from the authentication request message, transmitting the extracted authentication data to an RBA engine, generating, using the RBA engine, based at least in part on the extracted authentication data, RBA result data including a risk score, a risk analysis, and at least one reason code, transmitting the RBA result data to the RBA-enabled directory server, embedding, using the RBA-enabled directory server, the RBA result data into the authentication request message to generate an enhanced authentication request message, and transmitting the enhanced authentication request message to the ACS to enable the ACS to make an authentication decision based on the RBA result data.
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公开(公告)号：US11521211B2
公开(公告)日：2022-12-06
申请号：US16235529
申请日：2018-12-28
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.
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公开(公告)号：US20220122087A1
公开(公告)日：2022-04-21
申请号：US17567015
申请日：2021-12-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Warda Zahid Khan , Felix Johannes Flory , Adam Kenneth Hosp , Chengxi Li , Christopher John Merz
Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.
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公开(公告)号：US20190392450A1
公开(公告)日：2019-12-26
申请号：US16448884
申请日：2019-06-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Robert Albert Ederle , Ranjita Shankar Iyer , Brian Piel , Christopher John Merz , Felix Johannes Flory , Nimit Gulati , Paul Baker
Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying the risk threshold and being below the transaction limit.
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Patent Agency Ranking
公开(公告)号：US12260411B2
公开(公告)日：2025-03-25
申请号：US16448822
申请日：2019-06-21
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Robert Albert Ederle , Julia Sharon Gosset , Ranjita Shankar Iyer , Brian Piel , Dennis A. Gamiello , Christopher John Merz , Felix Johannes Flory
Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.
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公开(公告)号：US20240273536A1
公开(公告)日：2024-08-15
申请号：US18167694
申请日：2023-02-10
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Chengxi Li , Christopher John Merz , Felix Johannes Flory
IPC: G06Q20/40
CPC classification number: G06Q20/4016 , G06Q20/4014 , G06Q20/405
Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to collect a plurality of authentication data from a plurality of transactions initiated by users attempting to perform a transaction over a computer network, analyze the plurality of authentication data to detect a plurality of insights representing relationships between data elements of different authentication requests of the plurality of authentication requests, wherein the insights represent a likelihood of fraud or potential approval with the corresponding authentication requests, determine a plurality of rules from the plurality of insights, filter the plurality of rules based on one or more thresholds, and provide the filtered plurality of rules to analyze a plurality of subsequent real-time transactions for detecting legitimate authentication requests.
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17.发明公开公开(公告)号：US20240242274A1
公开(公告)日：2024-07-18
申请号：US18623893
申请日：2024-04-01
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Melanie Gersten , Simon Hunt , Felix Johannes Flory
IPC: G06Q40/02 , G06F16/901 , G06F17/18
CPC classification number: G06Q40/02 , G06F16/9017 , G06F17/18
Abstract: A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.
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公开(公告)号：US11948189B2
公开(公告)日：2024-04-02
申请号：US17138437
申请日：2020-12-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Melanie Gersten , Simon Hunt , Felix Johannes Flory
IPC: G06Q40/02 , G06F16/901 , G06F17/18
CPC classification number: G06Q40/02 , G06F16/9017 , G06F17/18
Abstract: A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.
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公开(公告)号：US20220207601A1
公开(公告)日：2022-06-30
申请号：US17138437
申请日：2020-12-30
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Christopher John Merz , Joshua A. Allbright , Melanie Gersten , Simon Hunt , Felix Johannes Flory
IPC: G06Q40/02 , G06F17/18 , G06F16/901
Abstract: A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.
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