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    INTEGRATION OF SECURE PROTOCOLS INTO A FRAUD DETECTION SYSTEM
    1.
    发明申请
    INTEGRATION OF SECURE PROTOCOLS INTO A FRAUD DETECTION SYSTEM 审中-公开

    公开(公告)号：US20180300729A1

    公开(公告)日：2018-10-18

    申请号：US16004143

    申请日：2018-06-08

    申请人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

    发明人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

    IPC分类号： G06Q20/40 ,  G06Q20/42 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q40/00

    摘要： Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.

    INTEGRATION OF SECURE PROTOCOLS INTO A FRAUD DETECTION SYSTEM
    2.
    发明申请
    INTEGRATION OF SECURE PROTOCOLS INTO A FRAUD DETECTION SYSTEM 有权
    将安全协议整合到欺诈检测系统中

    公开(公告)号：US20150356562A1

    公开(公告)日：2015-12-10

    申请号：US14733785

    申请日：2015-06-08

    申请人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

    发明人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/4016 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q20/405 ,  G06Q20/425 ,  G06Q40/00

    摘要： Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.

    摘要翻译： 本发明的实施例涉及通过利用与发行者相关联的历史交易数据来执行安全认证处理的方法和系统。 存储在欺诈检测系统中的历史交易数据可以包括由发行者执行的过去认证处理的频率的类型，从而允许确定将认证挑战过程应用于当前交易的可能性。 商家可以定义商家规则，其定义什么认证过程（如果有的话）应当基于认证挑战过程适用于当前交易的可能性应用于当前交易。

    GPU ENHANCED GRAPH MODEL BUILD AND SCORING ENGINE
    4.
    发明申请
    GPU ENHANCED GRAPH MODEL BUILD AND SCORING ENGINE 审中-公开

    公开(公告)号：US20190005407A1

    公开(公告)日：2019-01-03

    申请号：US15639094

    申请日：2017-06-30

    申请人： Theodore D. Harris ,  Yue Li ,  Tatiana Korolevskaya ,  Craig O'Connell

    发明人： Theodore D. Harris ,  Yue Li ,  Tatiana Korolevskaya ,  Craig O'Connell

    IPC分类号： G06N99/00 ,  G06N3/08 ,  G06N3/04 ,  G06N7/00 ,  G06F17/50 ,  G06F17/30

    摘要： Embodiments are directed to a method for accelerating machine learning using a plurality of graphics processing units (GPUs), involving receiving data for a graph to generate a plurality of random samples, and distributing the random samples across a plurality of GPUs. The method may comprise determining a plurality of communities from the random samples using unsupervised learning performed by each GPU. A plurality of sample groups may be generated from the communities and may be distributed across the GPUs, wherein each GPU merges communities in each sample group by converging to an optimal degree of similarity. In addition, the method may also comprise generating from the merged communities a plurality of subgraphs, dividing each sub-graph into a plurality of overlapping clusters, distributing the plurality of overlapping clusters across the plurality of GPUs, and scoring each cluster in the plurality of overlapping clusters to train an AI model.

    Using Third Party Information To Improve Predictive Strength for Authentications
    6.
    发明申请
    Using Third Party Information To Improve Predictive Strength for Authentications 审中-公开
    使用第三方信息来提高认证的预测能力

    公开(公告)号：US20160127374A1

    公开(公告)日：2016-05-05

    申请号：US14934063

    申请日：2015-11-05

    申请人： Craig O'Connell ,  Aditya Srivastava ,  Kevin Wong

    发明人： Craig O'Connell ,  Aditya Srivastava ,  Kevin Wong

    IPC分类号： H04L29/06 ,  G06F17/30 ,  G06F17/27 ,  H04L29/08

    CPC分类号： H04L63/10 ,  G06F17/30867 ,  H04L63/08

    摘要： Embodiments of the present invention are directed to methods and systems for utilizing the history of previous authentications and authorizations related to third party computers, as factors in determining whether a current request for accessing a resource should be authorized. A processor server computer, in determining whether to authorize access to the resource, may generate and send a query message to one or more of the third party computers to obtain authorization activity that the third party computers may have regarding a user and/or a device associated with the request. The processor server computer may use the authorization activity from the third party computers in determining whether the request is an authentic request and that the request should be authorized.

    摘要翻译： 本发明的实施例涉及用于利用与第三方计算机相关的先前认证和授权的历史的方法和系统，作为确定是否应授权访问资源的当前请求的因素。 处理器服务器计算机在确定是否授权对资源的访问时可以生成并向第三方计算机中的一个或多个发送查询消息以获得第三方计算机可能针对用户和/或设备的授权活动 与请求相关联。 处理器服务器计算机可以使用来自第三方计算机的授权活动来确定请求是否是真实请求，并且请求应被授权。

    AUTHENTICATION SYSTEM WITH MESSAGE CONVERSION
    7.
    发明申请
    AUTHENTICATION SYSTEM WITH MESSAGE CONVERSION 审中-公开
    具有消息转换的认证系统

    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。