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公开(公告)号：US20180211249A1
公开(公告)日：2018-07-26
申请号：US15415706
申请日：2017-01-25
发明人： Scott Anderson Sims , Tony England , Shawn Parris Bench , Andrew Dongho Kim , Jeffrey Thomas Zusi
CPC分类号： G06Q20/3674 , G06Q20/00 , G06Q20/352 , G06Q20/3672 , H04L63/083 , H04L2463/082 , H04W4/80 , H04W12/0608
摘要： Embodiments are directed to enabling authentication shifting based on mobile wallet characteristics such as presence and/or content of a payment credential or pre-generated token. Embodiments receive a request for access to a function or feature by a user of the mobile device; receive first user authentication credentials from the user; access a mobile wallet storing at least one payment credential associated with an owner of the mobile device, the at least one payment credential comprising owner identity information; compare the first user authentication credentials with the owner identity information; confirm the first user authentication credentials match the owner identity information; and enable access to the requested function or feature. Embodiments also determine that additional user authentication is required for access to the requested function or feature; receive and validate second user authentication credentials; and enable access to one or more features or functions of a mobile application.
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公开(公告)号：US20190289025A1
公开(公告)日：2019-09-19
申请号：US15921395
申请日：2018-03-14
发明人： Eren Kursun , Craig D. Widmann , Dharmender Kumar Satija , Andrew DongHo Kim , Shawn Parris Bench , Kolt Arthur Bell , Scott Anderson Sims
摘要： The invention describes a system and method employing machine learning and artificial intelligence engines to monitor data streams in real-time across multiple channels in order to detect anomalies and generate prioritized alerts. In particular, the invention may continuously collect data across multiple channels. The obtained data may be compared with reference data to continuously update a confidence level associated with the user, channel, entity, or other identifying factor. Based on the confidence level, profile the user to detect any inconsistencies in the data collected over time and generate an alert to the user in question and potentially to other downstream users or entities. In this way, the invention not only provides a way to detect anomalies in a cross-channel fashion, but also creates a mechanism for feedback wherein the system may incorporate user feedback to resolve alerts and detected anomalies.
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公开(公告)号：US20180211248A1
公开(公告)日：2018-07-26
申请号：US15415701
申请日：2017-01-25
发明人： Scott Anderson Sims , Tony England , Shawn Parris Bench , Andrew Dongho Kim , Jeffrey Thomas Zusi
CPC分类号： G06Q20/3672 , G06Q20/00 , G06Q20/3221 , G06Q20/352 , H04L63/0876 , H04W4/80 , H04W12/0608
摘要： Embodiments are directed to expedited setup of digital wallet using contactless credentials. Embodiments receive user authentication credentials; validate the user authentication credentials; in response to validation, enable access to one or more features or functions of a mobile application; receive, from the contactless reader, contactless credential information comprising owner identification, credential number, expiration date and cryptogram; load the contactless credential information into a digital wallet stored in the memory; and enable use of a payment token corresponding to the contactless credential information in a digital wallet transaction.
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