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公开(公告)号：US20190109837A1
公开(公告)日：2019-04-11
申请号：US16215227
申请日：2018-12-10
IPC分类号： H04L29/06 , G06F16/2457
CPC分类号： H04L63/08 , G06F16/24575
摘要： Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.
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公开(公告)号：US20170318000A1
公开(公告)日：2017-11-02
申请号：US15141155
申请日：2016-04-28
CPC分类号： H04L63/08 , G06F17/30528
摘要： Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.
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公开(公告)号：US09105027B2
公开(公告)日：2015-08-11
申请号：US13107715
申请日：2011-05-13
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06F17/00 , G06Q20/42 , G06F21/34 , G06Q20/12 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06 , H04L9/08 , H04L9/32 , H04L29/06
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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公开(公告)号：US20120116976A1
公开(公告)日：2012-05-10
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06Q20/40
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
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公开(公告)号：US20110119155A1
公开(公告)日：2011-05-19
申请号：US12939963
申请日：2010-11-04
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2107 , G06F2221/2129 , G06Q20/12 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , G06Q20/425 , G06Q30/0613 , G06Q30/0641 , H04L9/3234 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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公开(公告)号：US10366389B2
公开(公告)日：2019-07-30
申请号：US15222767
申请日：2016-07-28
摘要： Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.
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公开(公告)号：US20120018506A1
公开(公告)日：2012-01-26
申请号：US13107715
申请日：2011-05-13
申请人： Ayman Hammad , Patrick Faith , Krishma Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishma Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06F17/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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公开(公告)号：US20180033003A1
公开(公告)日：2018-02-01
申请号：US15222767
申请日：2016-07-28
CPC分类号： G06Q20/385 , G06Q20/322 , G06Q20/38215
摘要： Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.
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公开(公告)号：US08313022B2
公开(公告)日：2012-11-20
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06K5/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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公开(公告)号：US20150379515A1
公开(公告)日：2015-12-31
申请号：US14732294
申请日：2015-06-05
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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