中科微点-全球专利检索

  1. Login
  2. Sign Up

Search Results

9 records (took 0.021 seconds)

    SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS
    2.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS 审中-公开

    公开(公告)号：US20190392440A1

    公开(公告)日：2019-12-26

    申请号：US16448822

    申请日：2019-06-21

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Robert Albert Ederle ,  Julia Sharon Gosset ,  Ranjita Shankar Iyer ,  Brian Piel ,  Dennis A. Gamiello ,  Christopher John Merz ,  Felix Johnnes Flory

    IPC: G06Q20/40 ,  H04L29/06

    Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.

    Systems and methods for linking authentications in connection with network interactions
    4.
    发明授权
    Systems and methods for linking authentications in connection with network interactions 有权

    公开(公告)号：US11823187B2

    公开(公告)日：2023-11-21

    申请号：US17332563

    申请日：2021-05-27

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Robert Albert Ederle ,  Mark B. Hey ,  Kris Lowell Donaldson ,  Gregory S. Kriebaum

    IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/06

    CPC classification number: G06Q20/4012 ,  G06Q20/065 ,  G06Q20/389 ,  G06Q20/405

    Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

    SYSTEMS AND METHODS FOR LINKING AUTHENTICATIONS IN CONNECTION WITH NETWORK INTERACTIONS
    5.
    发明公开
    SYSTEMS AND METHODS FOR LINKING AUTHENTICATIONS IN CONNECTION WITH NETWORK INTERACTIONS 审中-公开

    公开(公告)号：US20240037554A1

    公开(公告)日：2024-02-01

    申请号：US18379920

    申请日：2023-10-13

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Robert Albert Ederle ,  Mark B. Hey ,  Kris Lowell Donaldson ,  Gregory S. Kriebaum

    IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/06

    CPC classification number: G06Q20/4012 ,  G06Q20/389 ,  G06Q20/065 ,  G06Q20/405

    Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request represents a transaction to a payment account and includes a transaction amount and an accountholder authentication value (AAV) indicative of a prior authentication associated with the transaction. The computing device is configured to determine whether the authorization request, the transaction amount and/or an interval associated with the authorization request satisfies a parameter. In response to the authorization request, the transaction amount and/or the interval associated with the authorization request failing to satisfy the parameter, the computing device is configured to append a tag indicative of the parameter to the authorization request and transmit the authorization request to an issuer of the payment account.

    SYSTEMS AND METHODS FOR LINKING AUTHENTICATIONS IN CONNECTION WITH NETWORK INTERACTIONS
    8.
    发明申请
    SYSTEMS AND METHODS FOR LINKING AUTHENTICATIONS IN CONNECTION WITH NETWORK INTERACTIONS 有权

    公开(公告)号：US20210374747A1

    公开(公告)日：2021-12-02

    申请号：US17332563

    申请日：2021-05-27

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： Robert Albert Ederle ,  Mark B. Hey ,  Kris Lowell Donaldson ,  Gregory S. Kriebaum

    IPC: G06Q20/40 ,  G06Q20/06 ,  G06Q20/38

    Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

    SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS IN REGULATED ENVIRONMENTS
    9.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS IN REGULATED ENVIRONMENTS 审中-公开

    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.

Patent Agency Ranking