公开(公告)号：US20160267466A1

公开(公告)日：2016-09-15

申请号：US15068408

申请日：2016-03-11

申请人： Phillip Kumnick ,  Mark Allen Nelsen ,  John F. Sheets

发明人： Phillip Kumnick ,  Mark Allen Nelsen ,  John F. Sheets

IPC分类号： G06Q20/34 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/36

CPC分类号： G06Q20/341 ,  G06K19/072 ,  G06K19/07769 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/352 ,  G06Q20/3572 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/401 ,  G06Q20/409 ,  G07F7/0806

摘要： A device stores multiple identifiers meant for specific uses. For example, multiple transaction tokens can reside on different parts of a user device. Each transaction token can be compatible for use with a transaction channel (e.g., contact, contactless, and card-not-present, telephone-order, mail-order, in-app, etc.). A transaction can be terminated based on a transaction token being utilized in an inappropriate transaction channel, which limits the chances that a compromised transaction token can be successfully utilized for fraud. In some cases, the user device may be a transaction card or a mobile phone.

摘要翻译： 设备存储用于特定用途的多个标识符。 例如，多个事务令牌可以驻留在用户设备的不同部分上。 每个交易令牌可以兼容以用于交易信道（例如，联系人，非接触式和不存在卡，电话订单，邮购，应用内等）。 可以基于在不适当的交易信道中使用的交易令牌终止交易，这限制了可以成功利用受损的交易令牌进行欺诈的机会。 在某些情况下，用户设备可以是交易卡或移动电话。

公开(公告)号：US20160034900A1

公开(公告)日：2016-02-04

申请号：US14814073

申请日：2015-07-30

申请人： Mark Allen Nelsen ,  Craig O'Connell ,  Karl Newland ,  Douglas Fisher

发明人： Mark Allen Nelsen ,  Craig O'Connell ,  Karl Newland ,  Douglas Fisher

IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06F21/31

CPC分类号： G06Q20/4016 ,  G06F21/31 ,  G06Q20/3224 ,  G06Q20/40

摘要： A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message. Additionally, the server computing device receives messages formatted according to the second message format from the authorization computer and translates them into messages formatted according to the first message format to be sent to the user's computing device.

摘要翻译： 服务器计算设备经由业务中涉及的用户的计算设备从一方接收根据第一消息格式格式化的认证请求消息，将消息转换为根据第二消息格式格式化的修改后的认证请求消息，并将修改后的 认证请求消息到授权计算机。 服务器计算设备可以通过包括从服务器计算设备和用户的计算设备之间描述用户，用户的计算设备和/或网络路径的接收的认证请求消息收集的数据以及生成的风险分数来增加修改的认证请求消息 基于所接收的认证请求消息。 此外，服务器计算设备从授权计算机接收根据第二消息格式格式化的消息，并将它们转换成根据要发送给用户计算设备的第一消息格式格式化的消息。

公开(公告)号：US20140310160A1

公开(公告)日：2014-10-16

申请号：US14216843

申请日：2014-03-17

申请人： Pawan Kumar ,  Mark Allen Nelsen ,  Todd McGregor

发明人： Pawan Kumar ,  Mark Allen Nelsen ,  Todd McGregor

IPC分类号： G06Q20/40 ,  H04W4/14

CPC分类号： G06Q20/4016 ,  G06Q20/42 ,  H04W4/14

摘要： A user may receive an alert notification message on a mobile device for any high risk transaction along with a set of recent transactions conducted on an account associated with the user. The user may be able to respond back by either accepting or rejecting the transaction using an application on the mobile device. In one embodiment, for a rejected transaction, a plurality of options may be presented to the user's mobile device for the user to select a reason for rejecting a transaction. An issuer associated with the payment account used for the transaction may receive the user's response and accordingly take appropriate actions on the account.

摘要翻译： 用户可以在移动设备上接收针对任何高风险交易的警报通知消息，以及在与用户相关联的帐户上进行的一组近期交易。 用户可能能够通过使用移动设备上的应用接受或拒绝交易来做出回应。 在一个实施例中，对于被拒绝的事务，可以向用户的移动设备呈现多个选项，供用户选择拒绝交易的原因。 与用于交易的支付帐户相关联的发行者可以接收用户的响应，并且相应地对帐户采取适当的动作。

公开(公告)号：US20090106151A1

公开(公告)日：2009-04-23

申请号：US11974987

申请日：2007-10-17

申请人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Karl Newland ,  Frederick Liu ,  Roger Paul Morrison ,  Andrew Brendan Carpenter ,  Sivakumar Seshappan ,  Craig M. Kato ,  Alan Scott

发明人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Karl Newland ,  Frederick Liu ,  Roger Paul Morrison ,  Andrew Brendan Carpenter ,  Sivakumar Seshappan ,  Craig M. Kato ,  Alan Scott

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/40 ,  G06Q20/405

摘要： A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined.

摘要翻译： 一种系统，方法和计算机可读存储介质，被配置为从发行者导入欺诈防范规则并且在支付处理器上实时地实现它们。 通常，发卡银行批准或拒绝金融交易; 然而，在本发明的实施例中，开证行创建防欺诈规则，支付处理器实现创建的规则。 支付处理器装置包括网络接口和验证引擎。 验证引擎包括事务驱动器和实时决策处理器。 网络接口被配置为从支付卡发行银行接收防欺诈规则，并从收单银行接收建议的金融交易。 交易司机收到防欺诈规则。 实时决策处理器将收购方的拟议金融交易与防欺诈规则进行比较，以确定拟议的金融交易是否应被拒绝。

公开(公告)号：US20100005029A1

公开(公告)日：2010-01-07

申请号：US12217419

申请日：2008-07-03

申请人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Mitchell L. Wright ,  Pawan Kumar

发明人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Mitchell L. Wright ,  Pawan Kumar

IPC分类号： H04L9/00

CPC分类号： G06Q20/4016 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/405

摘要： A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined.

摘要翻译： 一种系统，方法和计算机可读存储介质，被配置为从发行者导入欺诈防范规则并且在支付处理器上实时地实现它们。 通常，发卡银行批准或拒绝金融交易; 然而，在本发明的实施例中，开证行创建防欺诈规则，支付处理器实现创建的规则。 支付处理器装置包括网络接口和验证引擎。 验证引擎包括事务驱动器和实时决策处理器。 网络接口被配置为从支付卡发行银行接收防欺诈规则，并从收单银行接收建议的金融交易。 交易司机收到防欺诈规则。 实时决策处理器将收购方的拟议金融交易与防欺诈规则进行比较，以确定拟议的金融交易是否应被拒绝。