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公开(公告)号：US20190236595A1
公开(公告)日：2019-08-01
申请号：US16377720
申请日：2019-04-08
IPC分类号： G06Q20/38 , G06Q20/40 , G06F21/34 , G06F21/46 , G06F21/77 , H04L9/32 , C07D209/88 , G06Q20/36 , G06Q20/34 , G06Q20/10 , G06Q20/08
CPC分类号： G06Q20/385 , C07D209/88 , G06F21/34 , G06F21/46 , G06F21/77 , G06Q20/0855 , G06Q20/105 , G06Q20/3415 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q2220/00 , G06Q2220/10 , G06Q2220/145 , G06Q2220/18 , G07F7/1008 , H04L9/3228 , H04L2209/56
摘要： A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. Random numbers, which are unique for each user session, are pre-loaded onto a handheld, portable device, or token. The random numbers are generated by external systems and delivered to the token for storage in an internal memory and to a database accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A dispensed number is cross referenced, by the authentication system, to the database. The dispensed number authenticates the user or transaction.
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公开(公告)号：US20190139038A1
公开(公告)日：2019-05-09
申请号：US16241073
申请日：2019-01-07
摘要： A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30). The method includes: receiving a first message from the account holder (60) via the non-IP based telecommunications platform (30), the first message triggering authentication of the account holder (60) and being in a first communication format; establishing account information for a payment instrument being used in the transaction based upon content in the first message; generating a second message using a second communication format different from the first format, the second message including the established account information; submitting the second message via the IP network (40) to a network entity (110, 200) such that an authentication document is generated (120), the authentication document (120) containing an input field (122); generating a third message using the first format, the third message being submitted to the account holder (60) via the non-IP based telecommunications platform (30) such that the account holder (60) is prompted to enter a security code; receiving a fourth message containing the entered security code from the account holder (60) via the non-IP based telecommunications platform (30), the fourth message being in the first format; and, accessing the authentication document (120) via the IP network (40) to fill-in the input field (122) of the authentication document (120) with the security code contained in the fourth message.
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公开(公告)号：US10235671B2
公开(公告)日：2019-03-19
申请号：US15213197
申请日：2016-07-18
发明人： Michael A. Keresman, III , Francis M. Sherwin , Chandra Balasubramanian , Gary Bender , Ed Katzin , Mark Carlson
摘要： A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memory device (160); and (h) forwarding the request containing the sensitive data element to a second party (160 and/or 162) which employs the sensitive data element to determine whether completion of the transaction should be authorized or declined.
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公开(公告)号：US10032166B2
公开(公告)日：2018-07-24
申请号：US14026350
申请日：2013-09-13
发明人： Ravishankar S. Bhagavatula , Chandra Balasubramanian , Francis M. Sherwin , Michael A. Keresman, III , Jeffry J. Bowman
摘要： A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.
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公开(公告)号：US11429965B2
公开(公告)日：2022-08-30
申请号：US17160984
申请日：2021-01-28
发明人： Michael A. Keresman, III , Chandra Balasubramanian , Gary Bender , Mark Carlson , Edward Katzin , Francis M. Sherwin
摘要： A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memory device (160); and (h) forwarding the request containing the sensitive data element to a second party (160 and/or 162) which employs the sensitive data element to determine whether completion of the transaction should be authorized or declined.
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公开(公告)号：US10127549B2
公开(公告)日：2018-11-13
申请号：US14328971
申请日：2014-07-11
摘要： A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.
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公开(公告)号：US20180232736A1
公开(公告)日：2018-08-16
申请号：US15942780
申请日：2018-04-02
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/4037 , G06Q20/405 , G06Q20/409 , G07F7/08
摘要： A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process. The method further includes processing the e-commerce transaction in response to completing the authentication process, receiving at least one subsequent transaction request for at least one subsequent e-commerce transaction, and determining to bypass the authentication process for the at least one subsequent transaction.
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公开(公告)号：US20180018662A1
公开(公告)日：2018-01-18
申请号：US15650510
申请日：2017-07-14
发明人： Erik Nils Enright , Adam Ratica , Michael A. Keresman, III , Francis M. Sherwin , Chandra S. Balasubramanian
CPC分类号： G06Q20/3829 , G06Q20/4018 , H04L9/3228 , H04L2209/56
摘要： A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).
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公开(公告)号：US20160232529A1
公开(公告)日：2016-08-11
申请号：US15131675
申请日：2016-04-18
CPC分类号： G06Q20/385 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/24 , G06Q20/26 , G06Q20/34 , G06Q20/383 , G06Q20/4012 , G06Q30/0613
摘要： A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.
摘要翻译： 一种用于处理商家和消费者之间借方交易的系统。 该系统包括被编程为接收消费者的支付信息的一个或多个处理器，从消费者收集借记卡的认证数据，将对借方交易唯一的别名帐号发送给商家，接收包括别名帐户的信用授权消息 使用认证数据将信用授权消息转换为借记授权消息，并将付款授权消息发送给支付处理器。
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公开(公告)号：US11144913B2
公开(公告)日：2021-10-12
申请号：US16241073
申请日：2019-01-07
摘要： A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30). The method includes: receiving a first message from the account holder (60) via the non-IP based telecommunications platform (30), the first message triggering authentication of the account holder (60) and being in a first communication format; establishing account information for a payment instrument being used in the transaction based upon content in the first message; generating a second message using a second communication format different from the first format, the second message including the established account information; submitting the second message via the IP network (40) to a network entity (110, 200) such that an authentication document is generated (120), the authentication document (120) containing an input field (122); generating a third message using the first format, the third message being submitted to the account holder (60) via the non-IP based telecommunications platform (30) such that the account holder (60) is prompted to enter a security code; receiving a fourth message containing the entered security code from the account holder (60) via the non-IP based telecommunications platform (30), the fourth message being in the first format; and, accessing the authentication document (120) via the IP network (40) to fill-in the input field (122) of the authentication document (120) with the security code contained in the fourth message.
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