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    Cardless challenge systems and methods
    4.
    发明授权
    Cardless challenge systems and methods 有权

    公开(公告)号：US10262308B2

    公开(公告)日：2019-04-16

    申请号：US13358472

    申请日：2012-01-25

    申请人： Mark Carlson ,  Surendra Keshan ,  Patrick Faith

    发明人： Mark Carlson ,  Surendra Keshan ,  Patrick Faith

    IPC分类号： G06Q20/00 ,  G06Q20/12 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q20/38 ,  G06Q20/32

    摘要： Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

    SECURE CHECKOUT AND CHALLENGE SYSTEMS AND METHODS
    7.
    发明申请
    SECURE CHECKOUT AND CHALLENGE SYSTEMS AND METHODS 有权
    安全检查和挑战系统和方法

    公开(公告)号：US20140040137A1

    公开(公告)日：2014-02-06

    申请号：US14049873

    申请日：2013-10-09

    申请人： Mark Carlson ,  Surendra Keshan ,  Patrick Faith

    发明人： Mark Carlson ,  Surendra Keshan ,  Patrick Faith

    IPC分类号： G06Q20/38

    CPC分类号： G06Q20/12 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q40/00 ,  G06Q40/025

    摘要： A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction, providing, from the merchant server to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID, and receiving, at the merchant server from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server.

    摘要翻译： 公开了一种用于将由用户操作的访问设备直接接收的信息和来自商家服务器的信息相关联的方法。 该方法包括在商户实体的服务器处从消费者使用的接入设备接收用于发起交易的结帐请求，从商家服务器向非商家实体的服务器提供与所述商户实体相关联的交易信息 交易，其中所述交易信息包括商家ID，以及在所述商家服务器处从所述非商家服务器接收关于所述交易的响应消息，其中所述响应消息基于所述交易信息和与所述交易信息相关联的设备信息之间的相关性 与访问设备直接从访问设备提供给非商家服务器，并且基于由非商家服务器执行的与交易信息和设备信息相关联的附加处理。

    Cardless challenge systems and methods
    9.
    发明授权
    Cardless challenge systems and methods 有权
    无钥匙挑战系统和方法

    公开(公告)号：US08121956B2

    公开(公告)日：2012-02-21

    申请号：US12143394

    申请日：2008-06-20

    申请人： Mark Carlson ,  Surendra Keshan ,  Patrick Faith

    发明人： Mark Carlson ,  Surendra Keshan ,  Patrick Faith

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/12 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3227 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q40/00 ,  G06Q40/025

    摘要： Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

    摘要翻译： 提供了用于处理和/或授权消费者进行交易的支付请求的系统，方法和装置。 收到付款信息后，可能会从非商家向消费者提出挑战性问题，从而可以明智地确定何时提出此类挑战问题并允许复杂和证明性问题。 这种挑战问题的时限可能有利于不受约束，同时仍然保持安全性。 此外，风险分析可以在消费者提交付款信息之前开始，从而允许有效和复杂的风险分析。 关于消费者使用的访问设备的信息可以在非商人从访问设备获得，其代码从商家发送到访问设备，并且可以在风险分析中使用设备信息。