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。

公开(公告)号：US08924279B2

公开(公告)日：2014-12-30

申请号：US12774521

申请日：2010-05-05

申请人： Frederick Liu ,  Nancy Hilgers ,  Mark Nelsen ,  Kevin Siegel ,  Christopher Brown ,  Thomas Dwyer

发明人： Frederick Liu ,  Nancy Hilgers ,  Mark Nelsen ,  Kevin Siegel ,  Christopher Brown ,  Thomas Dwyer

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/40 ,  G06Q20/405

摘要： Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

摘要翻译： 应用于拒绝对可能的欺诈交易的授权的规则来自修改的患者规则诱导方法算法，该算法使用目标变量和与多个输入变量相关联的过去交易的数据集，以及包围多个输入变量的超矩形， 由输入变量值的表示定义的多维空间作为多维空间内的点。 虽然超矩形内的点的计数大于最小支持参数，但是去除超矩形边缘附近的第一多个点，其中每个这样的移除最大化目标变量的平均值，然后 当平均值保持最大时，添加靠近边缘的第二多个点，其中每个添加最大化或维持平均值。 超矩形在定义规则的最小边界框内是有界的。

公开(公告)号：US20100287099A1

公开(公告)日：2010-11-11

申请号：US12774521

申请日：2010-05-05

申请人： Frederick Liu ,  Nancy Hilgers ,  Mark Nelsen ,  Kevin Siegel ,  Christopher Brown ,  Thomas Dwyer

发明人： Frederick Liu ,  Nancy Hilgers ,  Mark Nelsen ,  Kevin Siegel ,  Christopher Brown ,  Thomas Dwyer

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/40 ,  G06Q20/405

摘要： Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

摘要翻译： 应用于拒绝对可能的欺诈交易的授权的规则来自修改的患者规则诱导方法算法，该算法使用目标变量和与多个输入变量相关联的过去交易的数据集，以及包围多个输入变量的超矩形， 由输入变量值的表示定义的多维空间作为多维空间内的点。 虽然超矩形内的点的计数大于最小支持参数，但是去除超矩形边缘附近的第一多个点，其中每个这样的移除最大化目标变量的平均值，然后 当平均值保持最大时，添加靠近边缘的第二多个点，其中每个添加最大化或维持平均值。 超矩形在定义规则的最小边界框内是有界的。

公开(公告)号：US20150046339A1

公开(公告)日：2015-02-12

申请号：US14455600

申请日：2014-08-08

申请人： Erick Wong ,  Kiushan Pirzadeh ,  Oleg Makhotin ,  Glenn Powell ,  Igor Karpenko ,  John Sheets ,  Frederick Liu

发明人： Erick Wong ,  Kiushan Pirzadeh ,  Oleg Makhotin ,  Glenn Powell ,  Igor Karpenko ,  John Sheets ,  Frederick Liu

IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q20/32

摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.

摘要翻译： 描述的实施例旨在优化使用移动钱包的移动设备的支付帐户凭证的提供。 在一些实施例中，可以基于与特定供应请求相关的确定的风险来选择性地选择多个供应方案之一用于支付帐户凭证供应。 低风险提供请求导致立即提供支付凭证，而高风险的供应请求导致供应请求被拒绝。 在一些实施例中，中等风险供应请求将导致在支付帐户供应被最终确定之前执行额外的用户认证。 附加用户认证可以使用与接收供应请求的信道不同的通信信道来进行。

公开(公告)号：US20150019443A1

公开(公告)日：2015-01-15

申请号：US14332245

申请日：2014-07-15

申请人： John Sheets ,  Kim Wagner ,  Christian Aabye ,  Frederick Liu ,  Igor Karpenko ,  Glenn Powell ,  Kiushan Pirzadeh

发明人： John Sheets ,  Kim Wagner ,  Christian Aabye ,  Frederick Liu ,  Igor Karpenko ,  Glenn Powell ,  Kiushan Pirzadeh

IPC分类号： G06Q20/32 ,  G06Q20/38

CPC分类号： G06Q20/3278 ,  G06Q20/322 ,  G06Q20/3829

摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.

摘要翻译： 本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。 本发明的一个实施例涉及一种处理由移动设备发起的远程交易的方法，该移动设备包括服务器计算机接收包括加密支付信息的支付请求。 加密的支付信息由移动设备的移动支付应用程序生成，并使用第三方密钥进行加密。 该方法还包括使用第三方密钥对加密的支付信息进行解密，确定与支付信息相关联的交易处理器公开密钥，以及使用交易处理器公开密钥重新加密支付信息。 该方法还包括向业务处理器发送包括重新加密的支付信息的支付响应。 交易处理器使用交易处理器私钥解密重新加密的支付信息并启动支付交易。

公开(公告)号：US20140344155A1

公开(公告)日：2014-11-20

申请号：US14280498

申请日：2014-05-16

申请人： Frederick Liu ,  Shaw Li ,  Glenn Powell ,  Mark Nelsen

发明人： Frederick Liu ,  Shaw Li ,  Glenn Powell ,  Mark Nelsen

IPC分类号： G06Q20/40 ,  G06Q20/32

CPC分类号： G06Q20/4016 ,  G06Q20/322 ,  G06Q20/40

摘要： Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent.

摘要翻译： 公开了用于提供作为用户设备到交易系统的其他实体的认证过程的一部分检索和分析的数据的方法和系统。 该数据可以由事务系统的其他实体使用，以实现事务的更安全的授权流程。 可以利用为支付应用服务器计算机生成的风险分数和用于生成风险分数的数据，以向发行者提供更详细的数据，以确保参与交易的用户被认证，并且由发行者处理的交易是 不欺诈