-
公开(公告)号：US20240273178A1
公开(公告)日：2024-08-15
申请号：US18643389
申请日：2024-04-23
发明人： Tyler Maiman , David Septimus , Daniel Miller , Samuel Rapowitz , Jenny Melendez , Viraj Chaudhary , Joshua Edwards
CPC分类号： G06F21/45 , G06N3/04 , G06F2221/2103
摘要： Methods, systems, and apparatuses are described herein for improving computer authentication processes through presenting favorite merchants selection in transaction-based authentication. A computing device may receive a request for access to an account associated with a user. The computing device may train a machine learning model to determine predicted favorite merchant information, and provide one or more transactions conducted by the user as input to the trained first machine learning model. Data indicating favorite merchant information may be received from the trained first machine learning model. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.
-
公开(公告)号：US20240267237A1
公开(公告)日：2024-08-08
申请号：US18165281
申请日：2023-02-06
CPC分类号： H04L9/3271 , G06N20/00 , G06Q20/389
摘要： Disclosed embodiments may include a method for generating authentication quizzes. The method can comprise receiving an authentication request associated with a user. The method can further comprise requesting a transaction history associated with the user. The transaction history can comprise a first purchase of a first product and a second purchase of a second product. The method can include selecting the first product and the second product to authenticate the user and determining a third product that the user did not purchase. The method can generate images of the first product, the second product, and the third product based on SKU data and can generate an authentication quiz comprising the images of each product and requests to confirm if the user purchased the products recently or not. Upon receiving correct responses from the user, the method can comprise transmitting instructions to the user device to authenticate the user.
-
公开(公告)号：US12010110B2
公开(公告)日：2024-06-11
申请号：US17354053
申请日：2021-06-22
发明人： Joshua Edwards , Jenny Melendez , Tyler Maiman , David Septimus , Viraj Chaudhary , Samuel Rapowitz , Daniel Miller
CPC分类号： H04L63/083 , G06F21/6245 , H04L63/107
摘要： Methods, systems, and apparatuses are described herein for improving computer authentication processes through the generation of synthetic merchants. A plurality of different real merchant names may be received. The plurality of different real merchant names may be processed to determine one or more name elements. A request for access to an account associated with a user may be received. Based on the one or more name elements, one or more synthetic merchant names may be generated. Based on the one or more synthetic merchant names, synthetic transaction data may then be generated. A synthetic authentication question may be generated and presented to a user. A candidate response to the synthetic authentication question may be received. Based on the candidate response, access to the account may be provided.
-
公开(公告)号：US11995175B2
公开(公告)日：2024-05-28
申请号：US17495365
申请日：2021-10-06
发明人： Tyler Maiman , Joshua Edwards , Daniel Miller , Samuel Rapowitz , Jenny Melendez , Viraj Chaudhary , David Septimus
CPC分类号： G06F21/45 , G06N3/04 , G06F2221/2103
摘要： Methods, systems, and apparatuses are described herein for improving computer authentication processes through presenting favorite merchants selection in transaction-based authentication. A computing device may receive a request for access to an account associated with a user. The computing device may train a machine learning model to determine predicted favorite merchant information, and provide one or more transactions conducted by the user as input to the trained first machine learning model. Data indicating favorite merchant information may be received from the trained first machine learning model. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.
-
公开(公告)号：US11960592B2
公开(公告)日：2024-04-16
申请号：US17362045
申请日：2021-06-29
发明人： Tyler Maiman , Viraj Chaudhary , Samuel Rapowitz , Daniel Miller , David Septimus , Joshua Edwards
CPC分类号： G06F21/45 , G06F21/31 , H04L63/0807 , H04L63/083 , H04L63/0838 , H04L63/0892 , H04L63/102
摘要： Methods, systems, and apparatuses are described herein for improving the security of personal information by preventing attempts at gleaning personal information from authentication questions. A computing device may receive a request for access to an account associated with a user. The request may comprise candidate authentication information. Based on comparing the candidate authentication information with the account data, the computing device may generate a synthetic authentication question. The synthetic authentication question may be generated as if the candidate authentication information is valid. A response to the synthetic authentication question may be received, and the request for access to the account may be denied.
-
公开(公告)号：US20240062211A1
公开(公告)日：2024-02-22
申请号：US18240736
申请日：2023-08-31
发明人： Tyler Maiman , David Septimus , Samuel Rapowitz , Jenny Melendez , Viraj Chaudhary , Joshua Edwards
IPC分类号： G06Q20/40 , G06N20/20 , G06F18/214
CPC分类号： G06Q20/4015 , G06Q20/4012 , G06N20/20 , G06Q20/405 , G06Q20/4097 , G06F18/214
摘要： Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.
-
公开(公告)号：US11861613B2
公开(公告)日：2024-01-02
申请号：US17494750
申请日：2021-10-05
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401
摘要： A system may receive transaction information associated with a transaction, the transaction information comprising an account number associated with a first user. The system may determine whether the transaction is associated with a second user. Responsive to determining the transaction is associated with the second user, the system may transmit a first prompt to a first user device associated with the first user, the first prompt comprising a request to confirm or deny the transaction. The system may receive, via the first user device, a first user selection confirming the transaction. Responsive to receiving the first user selection, the system may determine whether the transaction exceeds a predetermined threshold. Responsive to determining the transaction exceeds the predetermined threshold, the system may transmit a second prompt to the first user device, the second prompt comprising a recommendation to designate the second user as an authorized user of the account number.
-
公开(公告)号：US11854099B2
公开(公告)日：2023-12-26
申请号：US17318331
申请日：2021-05-12
IPC分类号： G06Q50/12 , G06Q10/0631 , G06Q10/0875
CPC分类号： G06Q50/12 , G06Q10/06315 , G06Q10/0875
摘要： An exemplary method includes receiving, by a processor, flight information from a computer device associated with an airline identifying a flight and passengers on the flight that purchased flight tickets by utilizing payment cards associated with a card authorizing entity. Passenger food preferences for the flight passengers based at least in part on historical payment card transaction data of the flight passengers is received from a computing device associated with the card authorizing entity based on the flight information. A food inventory available to be serviced on the flight is received. Automatically determining a flight-specific food inventory, to minimize an overall weight of the flight-specific food inventory to be carried by the flight based on the passenger food preferences. Automatically transmitting food packing instructions to a packing-related machine based on the flight-specific food inventory so as to assemble a portion of the flight-specific food inventory.
-
公开(公告)号：US11797812B2
公开(公告)日：2023-10-24
申请号：US17462702
申请日：2021-08-31
发明人： Bryant Yee , Tyler Maiman , Viraj Chaudhary
IPC分类号： G06K19/06 , G06K19/077
CPC分类号： G06K19/06196 , G06K19/077
摘要： Provided are compact transaction cards. In some approaches, a transaction card may include a body having first and second main sides, a first and second end perimeter perimeters, and first and second side perimeters, wherein a first axis extending between the first and second side perimeters defines a first section of the body and a second section of the body. The card may further include an identification chip along the first main side and a magnetic stripe along the second main side, wherein the magnetic stripe extends between the first and second side perimeters, and wherein the magnetic stripe and the identification chip are located on the first section of the body. The card may further include a textured grip along at least one of the first main side and the second main side, wherein the textured grip is positioned only on the second section of the body.
-
公开(公告)号：US20230273981A1
公开(公告)日：2023-08-31
申请号：US17682502
申请日：2022-02-28
发明人： Samuel Rapowitz , Viraj Chaudhary , Joshua Edwards , David Septimus , Tyler Maiman , Daniel E. Miller
CPC分类号： G06F21/31 , G06F21/6245 , G06F2221/2103
摘要： Methods, systems, and apparatuses are described herein for improving computer authentication processes through excluding fraudulent transactions in transaction-based authentication. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive data indicating a confidence threshold associated with the user from the machine learning model. The computing device may generate a modified set of merchant choices for the user by excluding merchants related to potentially fraudulent transactions within a predetermined time period. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.
-
-
-
-
-
-
-
-
-
搜索结果
97 条记录 (耗时 0.032 秒)
