公开(公告)号：US20170357968A1

公开(公告)日：2017-12-14

申请号：US15179114

申请日：2016-06-10

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark B. Hey ,  Stephanie Dickinson ,  Paul Baker

IPC: G06Q20/40 ,  G06Q20/20

CPC classification number: G06Q20/40 ,  G06Q10/0639 ,  G06Q20/20

Abstract: Systems and methods for use in enabling performance review of certified authentication services for use with a payment network are disclosed. One exemplary method includes identifying at least one performance metric of an authentication service. The authentication service is implemented into a payment network and certified to the payment network. The exemplary method also includes measuring the at least one performance metric of the authentication service, electronically notifying a service provider associated with the authentication service when the at least one performance metric fails to satisfy a defined threshold, and transmitting to the service provider at least one remedial action for the authentication service and at least one consequence for failure to satisfy the remedial action, whereby the payment network is configured to monitor the certified authentication service after certification of the authentication service.

公开(公告)号：US20190392450A1

公开(公告)日：2019-12-26

申请号：US16448884

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 ,  Nimit Gulati ,  Paul Baker

IPC: G06Q20/40 ,  G06Q20/12 ,  H04L29/06

Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying the risk threshold and being below the transaction limit.

公开(公告)号：US09972011B2

公开(公告)日：2018-05-15

申请号：US14825587

申请日：2015-08-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark Hey ,  Anand Mallepally ,  Paul Baker

IPC: G06Q20/40

CPC classification number: G06Q20/405

Abstract: Systems and methods for use in monitoring authentication messaging associated with payment account transactions are disclosed. One exemplary method includes monitoring authentication messaging from a merchant plug-in (MPI) associated with at least one merchant. The authentication messaging is related to one or more consumers attempting transactions to payment accounts at the at least one merchant. The exemplary method further includes, for each authentication message received from the MPI, transmitting the authentication message to an access control server (ACS) when an issuer associated with the payment account at issue is a participant in an authentication service, monitoring, by the computing device, response messaging from the ACS, each response message associated with a transaction and generated in response to an authentication messages from the MPI, and generating, by the computing device, at least one flag, when a condition associated with the authentication messages and/or the response messages is abnormal.

公开(公告)号：US20170046701A1

公开(公告)日：2017-02-16

申请号：US14825587

申请日：2015-08-13

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Mark Hey ,  Anand Mallepally ,  Paul Baker

IPC: G06Q20/40

CPC classification number: G06Q20/405

Abstract: Systems and methods for use in monitoring authentication messaging associated with payment account transactions are disclosed. One exemplary method includes monitoring authentication messaging from a merchant plug-in (MPI) associated with at least one merchant. The authentication messaging is related to one or more consumers attempting transactions to payment accounts at the at least one merchant. The exemplary method further includes, for each authentication message received from the MPI, transmitting the authentication message to an access control server (ACS) when an issuer associated with the payment account at issue is a participant in an authentication service, monitoring, by the computing device, response messaging from the ACS, each response message associated with a transaction and generated in response to an authentication messages from the MPI, and generating, by the computing device, at least one flag, when a condition associated with the authentication messages and/or the response messages is abnormal.

Abstract translation: 公开了用于监视与支付账户交易相关联的认证消息的系统和方法。 一种示例性方法包括监视与至少一个商家相关联的商家插件（MPI）的认证消息。 身份验证消息传送与一个或多个消费者在至少一个商家处尝试交易到支付账户有关。 对于从MPI接收到的每个认证消息，示例性方法还包括：当与所讨论的支付帐户相关联的发行者是认证服务的参与者时，将所述认证消息发送到接入控制服务器（ACS），通过所述计算 设备，来自ACS的响应消息，响应于来自MPI的认证消息而与事务相关联的每个响应消息，以及由计算设备生成至少一个标志，当与认证消息和/ 或者响应消息异常。