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公开(公告)号：US11290454B2
公开(公告)日：2022-03-29
申请号：US16851747
申请日：2020-04-17
发明人： Mark A. Pender , Daniel L. Carpenter , Kapil Pruthi , Xianhong Zhang , Apeksh M. Dave , Elizabeth Votaw , Andrew T. Keys
摘要： Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.
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公开(公告)号：US09424412B1
公开(公告)日：2016-08-23
申请号：US14611479
申请日：2015-02-02
发明人： Mark A. Pender
CPC分类号： H04W12/06 , G06F21/32 , G06Q20/10 , H04L63/0861 , H04M3/4936
摘要： Methods, systems, and computer-readable media for authenticating customers using biometrics are presented. In some embodiments, a computing platform may receive, from an interactive voice response server, an inbound call notification associated with a telephone call received from a mobile device. Subsequently, the computing platform may determine a device identifier of the mobile device and a customer identifier corresponding to a user of the mobile device. The computing platform then may load a customer authentication profile. Subsequently, the computing platform may generate a biometric authentication prompt for authenticating the user of the mobile device and may cause the biometric authentication prompt to be sent to the mobile device. Thereafter, the computing platform may receive, from the mobile device, a validation message. In response to receiving the validation message, the computing platform may generate an authentication message. Subsequently, the computing platform may send the authentication message to the interactive voice response server.
摘要翻译： 提出了使用生物识别来验证客户的方法，系统和计算机可读介质。 在一些实施例中，计算平台可以从交互式语音响应服务器接收与从移动设备接收的电话呼叫相关联的入站呼叫通知。 随后，计算平台可以确定移动设备的设备标识符和与移动设备的用户对应的客户标识符。 然后，计算平台可以加载客户身份验证配置文件。 随后，计算平台可以生成用于认证移动设备的用户的生物认证提示，并且可以使生物认证提示被发送到移动设备。 此后，计算平台可以从移动设备接收验证消息。 响应于接收到验证消息，计算平台可以生成认证消息。 随后，计算平台可以将认证消息发送到交互式语音应答服务器。
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公开(公告)号：US09836594B2
公开(公告)日：2017-12-05
申请号：US14280849
申请日：2014-05-19
发明人： Xianhong Zhang , Andrew T. Keys , Kapil Pruthi , Daniel Lynn Carpenter , Mark A. Pender , Spencer Yezo , Apeksh M. Dave
CPC分类号： G06F21/44 , G06F21/45 , G06F21/73 , H04L29/06 , H04L63/08 , H04L63/0807 , H04L63/0838 , H04L63/0861 , H04L63/0876 , H04L63/10 , H04L63/105
摘要： A computer system receives an authentication request from a user device and determines a determined device identification from a set of received device attributes. When the device is properly authenticated, the computer system generates an authentication token that is signed by the determined device identification and returns the authentication token to the user device. When the computer system subsequently receives a service request with an authentication token and a plurality of device attributes for a protected resource from a user device, the computer system determines a derived device identification from some or all of the received device attributes. When a signed device identification of the authentication token and the derived device identification are equal, the apparatus continues processing the service request. Otherwise, the service request is rejected.
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公开(公告)号：US09525694B2
公开(公告)日：2016-12-20
申请号：US14597424
申请日：2015-01-15
发明人： Mark A. Pender
CPC分类号： H04L63/107 , H04L63/0838 , H04L63/0861 , H04L63/18 , H04W12/06
摘要： Methods, systems, and computer-readable media for authenticating customers of an organization and managing authenticated sessions of various customers are presented. Some aspects of the disclosure provide ways for a customer of an organization to authenticate using a mobile computing device, such as the customer's personal mobile device, when interacting with the organization in various contexts, such as when accessing an automated transaction device or when interacting with an agent of the organization during an in-person session or during a teleconference session. In some arrangements, the customer's authentication status, which may be established on the mobile computing device and which, in some instances, may be verified based on the location of the mobile computing device, may be carried over from the mobile computing device to another computing device or system, such as an automated transaction device or a teller terminal device, which may be used by an agent of the organization.
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公开(公告)号：US09491170B2
公开(公告)日：2016-11-08
申请号：US14597399
申请日：2015-01-15
发明人： Mark A. Pender
CPC分类号： H04L63/0861 , G06Q20/1085 , G06Q40/02 , H04L63/0853 , H04L63/107 , H04L63/12 , H04W12/06
摘要： Methods, systems, and computer-readable media for authenticating customers of an organization and managing authenticated sessions of various customers are presented. Some aspects of the disclosure provide ways for a customer of an organization to authenticate using a mobile computing device, such as the customer's personal mobile device, when interacting with the organization in various contexts, such as when accessing an automated transaction device or when interacting with an agent of the organization during an in-person session or during a teleconference session. In some arrangements, the customer's authentication status, which may be established on the mobile computing device and which, in some instances, may be verified based on the location of the mobile computing device, may be carried over from the mobile computing device to another computing device or system, such as an automated transaction device or a teller terminal device, which may be used by an agent of the organization.
摘要翻译： 提出了用于认证组织的客户并管理各种客户的认证会话的方法，系统和计算机可读介质。 本公开的某些方面为组织的客户提供了使用移动计算设备（例如客户的个人移动设备）在各种上下文中与组织进行交互时进行身份验证的方式，诸如在访问自动交易设备时或当与 在本次会议期间或在电话会议期间组织的代理人。 在一些布置中，可以在移动计算设备上建立的客户的认证状态，以及在某些情况下可以基于移动计算设备的位置来验证的客户的认证状态可以从移动计算设备转移到另一个计算 设备或系统，例如可以由组织的代理使用的自动交易设备或柜员终端设备。
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公开(公告)号：US10666654B2
公开(公告)日：2020-05-26
申请号：US15155044
申请日：2016-05-15
发明人： Mark A. Pender , Daniel L. Carpenter , Kapil Pruthi , Xianhong Zhang , Apeksh M. Dave , Elizabeth S. Votaw , Andrew T. Keys
摘要： Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.
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公开(公告)号：US20170332233A1
公开(公告)日：2017-11-16
申请号：US15151802
申请日：2016-05-11
CPC分类号： H04W12/06 , G06F21/44 , G06F21/60 , G06F21/62 , H04L63/0876 , H04L63/105 , H04L67/306 , H04M15/47 , H04M15/8235 , H04W4/24
摘要： Aspects of the disclosure relate to recognizing and authenticating mobile devices based on unique cross-channel bindings. In some embodiments, a computing platform may receive, from a telephone agent support computer system, call information associated with a telephone call. Subsequently, the computing platform may identify a source device that placed the telephone call, based on binding information maintained by the computing platform for the source device. Based on identifying the source device that placed the telephone call, the computing platform may load user information associated with a user account linked to the source device. Next, the computing platform may set one or more authentication flags for the user account based on the binding information. Then, the computing platform may send, to the telephone agent support computer system, the user information and authentication information based on the one or more authentication flags set for the user account linked to the source device.
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8.发明申请公开(公告)号：US20170330191A1
公开(公告)日：2017-11-16
申请号：US15155048
申请日：2016-05-15
发明人： Mark A. Pender , Daniel L. Carpenter , Kapil Pruthi , Xianhong Zhang , Apeksh M. Dave , Elizabeth S. Votaw , Andrew T. Keys
CPC分类号： G06Q20/4014 , G06Q20/3221 , G06Q20/40145 , H04L63/20 , H04W12/06
摘要： Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.
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公开(公告)号：US20160224774A1
公开(公告)日：2016-08-04
申请号：US14611479
申请日：2015-02-02
发明人： Mark A. Pender
CPC分类号： H04W12/06 , G06F21/32 , G06Q20/10 , H04L63/0861 , H04M3/4936
摘要： Methods, systems, and computer-readable media for authenticating customers using biometrics are presented. In some embodiments, a computing platform may receive, from an interactive voice response server, an inbound call notification associated with a telephone call received from a mobile device. Subsequently, the computing platform may determine a device identifier of the mobile device and a customer identifier corresponding to a user of the mobile device. The computing platform then may load a customer authentication profile. Subsequently, the computing platform may generate a biometric authentication prompt for authenticating the user of the mobile device and may cause the biometric authentication prompt to be sent to the mobile device. Thereafter, the computing platform may receive, from the mobile device, a validation message. In response to receiving the validation message, the computing platform may generate an authentication message. Subsequently, the computing platform may send the authentication message to the interactive voice response server.
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公开(公告)号：US09407762B2
公开(公告)日：2016-08-02
申请号：US14511252
申请日：2014-10-10
CPC分类号： H04M3/382 , H04M3/493 , H04M3/5166 , H04M7/003 , H04M2203/6009 , H04M2203/6045 , H04M2203/6054 , H04M2203/6081
摘要： Methods, systems, apparatuses, and computer-readable media for providing enhanced user authentication functionalities are presented. In one or more embodiments, a server computing device may authenticate a user of a user computing device to a customer portal. Subsequently, the server computing device may receive a click-to-call request from the user computing device. In response to receiving the click-to-call request, the server computing device may generate a one-time passcode for the user. Then, the server computing device may provide the one-time passcode to the user. Thereafter, the server computing device may receive one-time-passcode input from an interactive voice response (IVR) server, and such input may be received from a caller. The server computing device then may validate the one-time-passcode input based on the one-time passcode provided to the user. In response to validating the one-time-passcode input, the server computing device may cause the IVR server to authenticate the caller as the user.
摘要翻译： 提出了用于提供增强的用户认证功能的方法，系统，装置和计算机可读介质。 在一个或多个实施例中，服务器计算设备可以向用户门户认证用户计算设备的用户。 随后，服务器计算设备可以从用户计算设备接收点击呼叫请求。 响应于接收到点击呼叫请求，服务器计算设备可以为用户生成一次性密码。 然后，服务器计算设备可以向用户提供一次性密码。 此后，服务器计算设备可以从交互式语音响应（IVR）服务器接收一次性密码输入，并且可以从呼叫者接收这样的输入。 然后，服务器计算设备可以基于提供给用户的一次性密码来验证一次性密码输入。 响应验证一次性密码输入，服务器计算设备可以使IVR服务器以用户身份认证呼叫者。
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