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公开(公告)号：US20160034900A1
公开(公告)日：2016-02-04
申请号：US14814073
申请日：2015-07-30
CPC分类号： G06Q20/4016 , G06F21/31 , G06Q20/3224 , G06Q20/40
摘要： A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message. Additionally, the server computing device receives messages formatted according to the second message format from the authorization computer and translates them into messages formatted according to the first message format to be sent to the user's computing device.
摘要翻译： 服务器计算设备经由业务中涉及的用户的计算设备从一方接收根据第一消息格式格式化的认证请求消息，将消息转换为根据第二消息格式格式化的修改后的认证请求消息，并将修改后的 认证请求消息到授权计算机。 服务器计算设备可以通过包括从服务器计算设备和用户的计算设备之间描述用户，用户的计算设备和/或网络路径的接收的认证请求消息收集的数据以及生成的风险分数来增加修改的认证请求消息 基于所接收的认证请求消息。 此外，服务器计算设备从授权计算机接收根据第二消息格式格式化的消息，并将它们转换成根据要发送给用户计算设备的第一消息格式格式化的消息。
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公开(公告)号：US20190109837A1
公开(公告)日：2019-04-11
申请号：US16215227
申请日：2018-12-10
IPC分类号： H04L29/06 , G06F16/2457
CPC分类号： H04L63/08 , G06F16/24575
摘要： Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.
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公开(公告)号：US20170318000A1
公开(公告)日：2017-11-02
申请号：US15141155
申请日：2016-04-28
CPC分类号： H04L63/08 , G06F17/30528
摘要： Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.
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公开(公告)号：US20090106151A1
公开(公告)日：2009-04-23
申请号：US11974987
申请日：2007-10-17
申请人： Mark Allen Nelsen , Nancy Therese Hilgers , Karl Newland , Frederick Liu , Roger Paul Morrison , Andrew Brendan Carpenter , Sivakumar Seshappan , Craig M. Kato , Alan Scott
发明人： Mark Allen Nelsen , Nancy Therese Hilgers , Karl Newland , Frederick Liu , Roger Paul Morrison , Andrew Brendan Carpenter , Sivakumar Seshappan , Craig M. Kato , Alan Scott
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/40 , G06Q20/405
摘要： A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined.
摘要翻译： 一种系统，方法和计算机可读存储介质，被配置为从发行者导入欺诈防范规则并且在支付处理器上实时地实现它们。 通常，发卡银行批准或拒绝金融交易; 然而，在本发明的实施例中，开证行创建防欺诈规则，支付处理器实现创建的规则。 支付处理器装置包括网络接口和验证引擎。 验证引擎包括事务驱动器和实时决策处理器。 网络接口被配置为从支付卡发行银行接收防欺诈规则，并从收单银行接收建议的金融交易。 交易司机收到防欺诈规则。 实时决策处理器将收购方的拟议金融交易与防欺诈规则进行比较，以确定拟议的金融交易是否应被拒绝。
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公开(公告)号：US20150120559A1
公开(公告)日：2015-04-30
申请号：US14527647
申请日：2014-10-29
CPC分类号： G06Q20/4016 , G06F21/44 , G06Q20/12 , G06Q20/3224 , G06Q20/34 , G06Q20/4012 , G06Q20/4014 , G06Q20/40145 , G06Q20/405 , G06Q20/425
摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.
摘要翻译： 本发明的实施例涉及用于执行安全认证处理以验证在商家和用户之间的交易中使用的支付装置的方法，系统和装置。 安全认证过程可以接收包括用户数据，用户计算设备数据和交易数据的认证请求消息，以验证帐户是否登记在安全认证过程中，并执行风险分析以确定交易是否应被认证。
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6.发明申请ENHANCEMENTS TO TRANSACTION PROCESSING IN A SECURE ENVIRONMENT USING A MERCHANT COMPUTER 审中-公开使用商业计算机在安全环境中进行交易处理的增强公开(公告)号：US20150120560A1
公开(公告)日：2015-04-30
申请号：US14527652
申请日：2014-10-29
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06F21/44 , G06Q20/12 , G06Q20/3224 , G06Q20/34 , G06Q20/4012 , G06Q20/4014 , G06Q20/40145 , G06Q20/405 , G06Q20/425
摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.
摘要翻译： 本发明的实施例涉及用于执行安全认证处理以验证在商家和用户之间的交易中使用的支付装置的方法，系统和装置。 安全认证过程可以接收包括用户数据，用户计算设备数据和交易数据的认证请求消息，以验证帐户是否登记在安全认证过程中，并执行风险分析以确定交易是否应被认证。
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公开(公告)号：US08626663B2
公开(公告)日：2014-01-07
申请号：US13053504
申请日：2011-03-22
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , H04L61/2007 , H04L61/6068
摘要： Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.
摘要翻译： 针对与消费者的建议交易向商家提供欺诈风险评分的方法和系统。 欺诈风险分数由付款帐户服务提供商（例如信用卡处理器）使用来自待处理交易的信息以及消费者持有的来自支付账户服务提供商的信息产生。 各种因素，包括其他付款账户风险升高的指标，均由商家自行设定。
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公开(公告)号：US20160260102A1
公开(公告)日：2016-09-08
申请号：US15156720
申请日：2016-05-17
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , H04L61/2007 , H04L61/6068
摘要： Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.
摘要翻译： 针对与消费者的建议交易向商家提供欺诈风险评分的方法和系统。 欺诈风险分数由付款帐户服务提供商（例如信用卡处理器）使用来自待处理交易的信息以及消费者持有的来自支付账户服务提供商的信息产生。 各种因素，包括其他付款账户风险升高的指标，均由商家自行设定。
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公开(公告)号：US20110238575A1
公开(公告)日：2011-09-29
申请号：US13053504
申请日：2011-03-22
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , H04L61/2007 , H04L61/6068
摘要： Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.
摘要翻译： 针对与消费者的建议交易向商家提供欺诈风险评分的方法和系统。 欺诈风险分数由付款帐户服务提供商（例如信用卡处理器）使用来自待处理交易的信息以及消费者持有的来自支付账户服务提供商的信息产生。 各种因素，包括其他付款账户风险升高的指标，均由商家自行设定。
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