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公开(公告)号：US12293368B2
公开(公告)日：2025-05-06
申请号：US17567015
申请日：2021-12-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Warda Zahid Khan , Felix Johannes Flory , Adam Kenneth Hosp , Chengxi Li , Christopher John Merz
Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.
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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.
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公开(公告)号：US20220122087A1
公开(公告)日：2022-04-21
申请号：US17567015
申请日：2021-12-31
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor： Julia Sharon Gosset , Warda Zahid Khan , Felix Johannes Flory , Adam Kenneth Hosp , Chengxi Li , Christopher John Merz
Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network. The authorization request message is formatted according to a set of proprietary communications standards promulgated by the payment network for exchange of data between institutions that are members of the payment network.
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