公开(公告)号：US20240354762A1

公开(公告)日：2024-10-24

申请号：US18301021

申请日：2023-04-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Rajesh Janu ,  Hemani Shringi ,  Valerie Matusiak

IPC: G06Q20/40

CPC classification number: G06Q20/4014 ,  G06Q20/4016

Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device and at least one processor coupled to the memory device. The at least one processor is programmed to generate an authentication model using historical data. The at least one processor is further configured to receive, from a merchant computing device, an authentication request message for a current transaction, the authentication request message including consumer identity data for the current transaction and extract the consumer identity data from the authentication request message. The at least one processor is further configured to generate, based on the extracted consumer identity data, identity insight result data using the authentication model, inject the identity insight result data into an authorization request message to generate an enhanced authorization request message, and transmit the enhanced authorization request message to an issuer computing device.

公开(公告)号：US20250078072A1

公开(公告)日：2025-03-06

申请号：US18239092

申请日：2023-08-28

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： David Ver Eecke ,  Dennis A. Gamiello ,  Brian Piel ,  Warda Zahid Khan ,  Ranjita Shankar Iyer ,  Nili Klenoff ,  Kevin Maxham ,  Julia Sharon Gosset ,  Valerie Matusiak

IPC: G06Q20/40

Abstract: Systems and methods are provided for associating confirmed user (CU) indications to network-initiated transactions. An example method includes receiving network details for a transaction between a user and a first party and storing the network details in a data repository in association with an transaction identifier for the transaction. The method also includes accessing, from the data repository, network details for multiple prior transactions between the user and the first party and comparing the network details for said transaction and the network details for the multiple prior transactions. The method then includes, based on a match between the network details for said transaction and the network details for the multiple prior transactions, appending a confirmed user flag in an authorization message for the transaction, whereby an issuer relies on the confirmed user flag in deciding to approve or decline the transaction.