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公开(公告)号：US08924279B2
公开(公告)日：2014-12-30
申请号：US12774521
申请日：2010-05-05
申请人： Frederick Liu , Nancy Hilgers , Mark Nelsen , Kevin Siegel , Christopher Brown , Thomas Dwyer
发明人： Frederick Liu , Nancy Hilgers , Mark Nelsen , Kevin Siegel , Christopher Brown , Thomas Dwyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/40 , G06Q20/405
摘要： Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.
摘要翻译： 应用于拒绝对可能的欺诈交易的授权的规则来自修改的患者规则诱导方法算法，该算法使用目标变量和与多个输入变量相关联的过去交易的数据集，以及包围多个输入变量的超矩形， 由输入变量值的表示定义的多维空间作为多维空间内的点。 虽然超矩形内的点的计数大于最小支持参数，但是去除超矩形边缘附近的第一多个点，其中每个这样的移除最大化目标变量的平均值，然后 当平均值保持最大时，添加靠近边缘的第二多个点，其中每个添加最大化或维持平均值。 超矩形在定义规则的最小边界框内是有界的。
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公开(公告)号：US20100287099A1
公开(公告)日：2010-11-11
申请号：US12774521
申请日：2010-05-05
申请人： Frederick Liu , Nancy Hilgers , Mark Nelsen , Kevin Siegel , Christopher Brown , Thomas Dwyer
发明人： Frederick Liu , Nancy Hilgers , Mark Nelsen , Kevin Siegel , Christopher Brown , Thomas Dwyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/40 , G06Q20/405
摘要： Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.
摘要翻译： 应用于拒绝对可能的欺诈交易的授权的规则来自修改的患者规则诱导方法算法，该算法使用目标变量和与多个输入变量相关联的过去交易的数据集，以及包围多个输入变量的超矩形， 由输入变量值的表示定义的多维空间作为多维空间内的点。 虽然超矩形内的点的计数大于最小支持参数，但是去除超矩形边缘附近的第一多个点，其中每个这样的移除最大化目标变量的平均值，然后 当平均值保持最大时，添加靠近边缘的第二多个点，其中每个添加最大化或维持平均值。 超矩形在定义规则的最小边界框内是有界的。
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公开(公告)号：US20130304648A1
公开(公告)日：2013-11-14
申请号：US13889696
申请日：2013-05-08
申请人： Craig O'Connell , Kevin E. Wong , Nancy Hilgers , Mark Nelsen
发明人： Craig O'Connell , Kevin E. Wong , Nancy Hilgers , Mark Nelsen
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3821 , G06Q20/4014 , G06Q20/409 , G07C9/00103 , G07C9/00571 , G07C9/02
摘要： Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.
摘要翻译： 公开了使用支付处理网络作为授权引擎来访问诸如大学宿舍，办公楼等安全的物理区域的方法，系统和设备。 具有密码生成器的密钥卡由用户呈现给接入设备，并且接入设备或相关联的计算机将格式化为支付认证请求消息的接入请求消息发送到聚合器/获取器和支付处理网络。 支付处理网络验证密码，并返回重新格式化为支付授权响应消息的访问响应消息，指示该密钥卡是真实的。 然后，门，门，转门或其他障碍物暂时解锁，让用户通过。
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公开(公告)号：US20100325035A1
公开(公告)日：2010-12-23
申请号：US12816785
申请日：2010-06-16
申请人： Nancy Hilgers , Brad Nightengale , Mark Nelsen , Ann Ewing
发明人： Nancy Hilgers , Brad Nightengale , Mark Nelsen , Ann Ewing
CPC分类号： G06Q20/4016 , G06Q10/10 , G06Q20/40 , G06Q40/025 , G06Q50/265
摘要： Systems and methods for generating fraud/risk report for consumers are disclosed. A server computer in a fraud/risk system receives a request from a client computer of a user for a fraud/risk report associated with a consumer. The server computer queries a database that stores pre-filtered data provided from third party sources, and data (filtered or not filtered) from a payment processing network that processes payment card transactions. The pre-filtered data are associated with reported fraudulent activities. The server computer then generates a fraud/risk report and provides that report to the client computer of the user. The report includes the pre-filtered data that were associated with the consumer. The fraud/risk report may also be customized based on the request of the user or based on pre-determined criteria stored in the server computer.
摘要翻译： 披露了为消费者制作欺诈/风险报告的制度和方法。 欺诈/风险系统中的服务器计算机从用户的客户端计算机接收与消费者相关联的欺诈/风险报告的请求。 服务器计算机查询存储从第三方来源提供的预过滤数据的数据库，以及处理支付卡交易的支付处理网络中的数据（过滤或未过滤）。 预先过滤的数据与报告的欺诈活动相关联。 然后，服务器计算机生成欺诈/风险报告，并将该报告提供给用户的客户端计算机。 该报告包括与消费者相关联的预过滤数据。 还可以基于用户的请求或基于存储在服务器计算机中的预定标准来定制欺诈/风险报告。
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公开(公告)号：US20170278104A1
公开(公告)日：2017-09-28
申请号：US15622698
申请日：2017-06-14
申请人： Craig O'Connell , Kevin E. Wong , Nancy Hilgers , Mark Nelsen
发明人： Craig O'Connell , Kevin E. Wong , Nancy Hilgers , Mark Nelsen
CPC分类号： G06Q20/3821 , G06Q20/4014 , G06Q20/409 , G07C9/00103 , G07C9/00571 , G07C9/02
摘要： Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.
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公开(公告)号：US20140344155A1
公开(公告)日：2014-11-20
申请号：US14280498
申请日：2014-05-16
申请人： Frederick Liu , Shaw Li , Glenn Powell , Mark Nelsen
发明人： Frederick Liu , Shaw Li , Glenn Powell , Mark Nelsen
CPC分类号： G06Q20/4016 , G06Q20/322 , G06Q20/40
摘要： Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent.
摘要翻译： 公开了用于提供作为用户设备到交易系统的其他实体的认证过程的一部分检索和分析的数据的方法和系统。 该数据可以由事务系统的其他实体使用，以实现事务的更安全的授权流程。 可以利用为支付应用服务器计算机生成的风险分数和用于生成风险分数的数据，以向发行者提供更详细的数据，以确保参与交易的用户被认证，并且由发行者处理的交易是 不欺诈
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公开(公告)号：US20160277380A1
公开(公告)日：2016-09-22
申请号：US15072636
申请日：2016-03-17
申请人： Kim Wagner , John F. Sheets , Mark Nelsen , Jing Jin
发明人： Kim Wagner , John F. Sheets , Mark Nelsen , Jing Jin
CPC分类号： G06Q20/4016 , G06Q20/3224 , H04L63/08 , H04L63/0861 , H04W12/06 , H04W12/08
摘要： When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.
摘要翻译： 当用户使用便携式通信设备进入资源提供商位置时，便携式通信设备向交易处理系统提供便携式通信设备当前在资源提供商位置的指示。 在用户与便携式交易设备进行交易的稍后时间，将用户的便携式通信设备在资源提供商不久前被检测到的事实被考虑作为交易不是欺诈的肯定指示。 通过验证便携式通信设备和便携式交易设备是否存在于资源提供商处，可以减少从被盗的便携式交易设备批准欺诈交易的风险。
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公开(公告)号：US20150142673A1
公开(公告)日：2015-05-21
申请号：US14546999
申请日：2014-11-18
申请人： Mark Nelsen , John Sheets
发明人： Mark Nelsen , John Sheets
IPC分类号： G06Q20/38
CPC分类号： G06Q20/385 , G06Q20/405
摘要： Embodiments of the present invention are directed to methods and systems for providing a payment token issuance system using account issuer-defined payment token request rules generated and stored by a token issuer computer. The token issuer computer allows an account issuer to define payment token request rules, and the token issuer computer can automatically apply the payment token request rules to a payment token request without requiring additional decisioning by the account issuer.
摘要翻译： 本发明的实施例涉及使用由令牌发行者计算机生成和存储的帐户发行者定义的支付令牌请求规则来提供支付令牌发行系统的方法和系统。 令牌发行者计算机允许帐户发行者定义支付令牌请求规则，并且令牌发行者计算机可以自动将支付令牌请求规则应用于支付令牌请求，而不需要由帐户发行者进行额外的决定。
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