公开(公告)号：US11875349B2

公开(公告)日：2024-01-16

申请号：US16448572

申请日：2019-06-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Julia Sharon Gosset ,  Robert Albert Ederle ,  Ranjita Shankar Iyer ,  Brian Piel ,  Christopher John Merz ,  Felix Johannes Flory ,  Andres Gonzalez

IPC: G06Q20/40 ,  H04L9/40 ,  G06Q20/32 ,  H04W12/67 ,  G06Q20/12

CPC classification number: G06Q20/4016 ,  G06Q20/12 ,  G06Q20/3226 ,  G06Q20/405 ,  H04L63/08 ,  H04L63/083 ,  H04L63/101 ,  H04W12/67

Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled directory server, the authentication data from the authentication request message, transmitting the extracted authentication data to an RBA engine, generating, using the RBA engine, based at least in part on the extracted authentication data, RBA result data including a risk score, a risk analysis, and at least one reason code, transmitting the RBA result data to the RBA-enabled directory server, embedding, using the RBA-enabled directory server, the RBA result data into the authentication request message to generate an enhanced authentication request message, and transmitting the enhanced authentication request message to the ACS to enable the ACS to make an authentication decision based on the RBA result data.

公开(公告)号：US20200065819A1

公开(公告)日：2020-02-27

申请号：US16106529

申请日：2018-08-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Andres Gonzalez

IPC: G06Q20/40 ,  G06Q20/36

Abstract: A request is received from an account holder to link a payment card to a payment card account owned by an account holder. The request is submitted by the account holder and receipt of the request includes receiving a payment card identification number displayed in association with the payment card. The payment card identification number is used to look up a payment token electronically stored in the payment card. The payment card identification number is different from the payment token. The payment token is mapped to a payment card account number that identifies the payment card account owned by the account holder.

公开(公告)号：US20190392448A1

公开(公告)日：2019-12-26

申请号：US16448572

申请日：2019-06-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Julia Sharon Gosset ,  Robert Albert Ederie ,  Ranjita Shankar Iyer ,  Brian Piel ,  Christopher John Merz ,  Felix Johannes Flory ,  Andres Gonzalez

IPC: G06Q20/40 ,  G06Q20/32 ,  H04L29/06

Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled directory server, the authentication data from the authentication request message, transmitting the extracted authentication data to an RBA engine, generating, using the RBA engine, based at least in part on the extracted authentication data, RBA result data including a risk score, a risk analysis, and at least one reason code, transmitting the RBA result data to the RBA-enabled directory server, embedding, using the RBA-enabled directory server, the RBA result data into the authentication request message to generate an enhanced authentication request message, and transmitting the enhanced authentication request message to the ACS to enable the ACS to make an authentication decision based on the RBA result data.