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公开(公告)号：US08533118B2
公开(公告)日：2013-09-10
申请号：US12613395
申请日：2009-11-05
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US10346837B2
公开(公告)日：2019-07-09
申请号：US11935740
申请日：2007-11-06
申请人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
发明人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
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公开(公告)号：US20130339249A1
公开(公告)日：2013-12-19
申请号：US13964992
申请日：2013-08-12
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US20140244511A1
公开(公告)日：2014-08-28
申请号：US14273331
申请日：2014-05-08
申请人： Kevin Weller , Kim Steele , Krishna Koganti , Patrick Faith
发明人： Kevin Weller , Kim Steele , Krishna Koganti , Patrick Faith
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US20100114776A1
公开(公告)日：2010-05-06
申请号：US12613395
申请日：2009-11-05
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US20090313134A1
公开(公告)日：2009-12-17
申请号：US12433086
申请日：2009-04-30
申请人： Patrick Faith , Krishna Prasad Koganti , Lori D. Van Deloo , Taylor Montgomery Mason , Kim Steele , Kevin Weller , Ayman Hammad , Kevin Eric Wong
发明人： Patrick Faith , Krishna Prasad Koganti , Lori D. Van Deloo , Taylor Montgomery Mason , Kim Steele , Kevin Weller , Ayman Hammad , Kevin Eric Wong
CPC分类号： G06Q20/4016 , G06Q20/105 , G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q40/00
摘要： Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized.
摘要翻译： 通过通信网络进行的在线交易处理包括接收包括通过使用具有存储器的便携式消费者设备在消费者和商家之间通过通信网络进行的交易的授权请求消息的交易输入，其中所述授权请求消息包含包括交易的数据 交易的总金额和未存储在便携式消费者设备的存储器中并与交易相关的附加信息。 响应于授权请求消息数据执行颁发者授权处理，并且响应于事务输入和发行者授权处理产生决策输出。 因此，使用用于发行者授权处理的附加信息以有效的方式产生决策输出，并且附加信息减少拒绝另外被授权的交易的可能性。
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公开(公告)号：US20080120214A1
公开(公告)日：2008-05-22
申请号：US11935740
申请日：2007-11-06
申请人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
发明人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/341 , G06Q20/4014 , G06Q30/06 , G06Q40/00 , G07F7/1008
摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
摘要翻译： 公开了一种用于认证便携式消费者设备的消费者的方法。 本发明的一个实施例包括接收与消费者的请求相关的交易消息，以便使用便携式消费者设备进行交易，其中消费者先前已经注册在认证程序中，并且消费者已经被认证，分析交易消息以确定 如果已经发生重新认证事件，则如果重新认证事件已经发生，则在向发行者发起授权请求消息之前导致重新认证消息被发送给消费者，并且向发行者发起授权请求消息 如果没有发生重新认证事件，则不向消费者发送重新认证消息。
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