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公开(公告)号：US20190333055A1
公开(公告)日：2019-10-31
申请号：US16396325
申请日：2019-04-26
摘要： An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.
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公开(公告)号：US11989719B2
公开(公告)日：2024-05-21
申请号：US17707751
申请日：2022-03-29
发明人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath , Samuel Blake Shrauger
CPC分类号： G06Q20/36 , G06Q20/20 , G06Q20/3674 , G06Q20/40145
摘要： Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.
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公开(公告)号：US20220391891A1
公开(公告)日：2022-12-08
申请号：US17888003
申请日：2022-08-15
摘要： An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.
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公开(公告)号：US20190392431A1
公开(公告)日：2019-12-26
申请号：US16448777
申请日：2019-06-21
摘要： Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, a resource provider is able to embed a checkout element into a webpage that it hosts. The checkout element enables interaction between a user that has accessed the webpage and an initiator application server located remotely in order to complete a transaction while preventing the resource provider from gaining access to sensitive information. In some embodiments, the user's information may be determined by an initiator server and populated into the checkout element.
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公开(公告)号：US11049101B2
公开(公告)日：2021-06-29
申请号：US15927754
申请日：2018-03-21
发明人： Ansar Ansari , Marco Huerta , Thomas Purves , Kevin Carvalho , Jalpesh Chitalia , Amit Gupta , Sang Wook Lee , Barbara Patterson , Manoj Kannembath , Samuel Blake Shrauger
摘要： Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.
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公开(公告)号：US10257185B2
公开(公告)日：2019-04-09
申请号：US14966948
申请日：2015-12-11
发明人： Erick Wong , Ansar Ansari , Parveen Bansal , William Thaw
摘要： A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.
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公开(公告)号：US10922672B2
公开(公告)日：2021-02-16
申请号：US15431235
申请日：2017-02-13
发明人： Jalpesh Chitalia , Ansar Ansari
摘要： According to some embodiments of the invention, an authentication method is provided. Transaction data for a transaction is received at a communication device from an access device or a resource provider. The transaction data comprises a location of the access device. A location of the communication device is determined by the communication device. It is determined whether a distance between the location of the access device and the location of the communication device is within a predetermined threshold. The transaction is not authorized if the distance between the location of the access device and the location of the communication device is not within a predetermined threshold.
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公开(公告)号：US11475445B2
公开(公告)日：2022-10-18
申请号：US16396325
申请日：2019-04-26
摘要： An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.
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公开(公告)号：US20220318799A1
公开(公告)日：2022-10-06
申请号：US17847610
申请日：2022-06-23
发明人： Jalpesh Chitalia , Ansar Ansari , Samuel Shrauger
IPC分类号： G06Q20/38
摘要： Embodiments of the invention are directed to systems and methods of securely transmitting account credentials, such as a token. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.
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公开(公告)号：US20220237592A1
公开(公告)日：2022-07-28
申请号：US17707751
申请日：2022-03-29
发明人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath , Samuel Blake Shrauger
摘要： Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.
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