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公开(公告)号：US11017404B1
公开(公告)日：2021-05-25
申请号：US15352303
申请日：2016-11-15
发明人： Michael Chang , John Chuprevich , Kevin R. Cieslak , Christopher P. Clausen , Jeffrey A. Cornman , Samuel Downing , Bryan Hall , Julio Jiron , Bryan Kroll , Samuel Martin , Traci Nguyen , Virginia Randle , Priyamvada Singh , Darrell L. Suen , Kenneth L. Wright
摘要： Methods and systems of authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.
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公开(公告)号：US20200380506A1
公开(公告)日：2020-12-03
申请号：US15385187
申请日：2016-12-20
发明人： Michael Chang , John Chuprevich , Kevin R. Cieslak , Christopher P. Clausen , Jeffrey A. Cornman , Bryan Hall , Julio Jiron , Bryan Kroll , Samuel Martin , Traci Nguyen , Virginia Randle , Priyamvada Singh , Darrell L. Suen , Kenneth L. Wright
摘要： Systems and methods using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a mobile device connected to a secure network provided by a financial institution, where the mobile device is associated with a user account at the financial institution, identify the mobile device based on a unique identifier of the mobile device, automatically authenticate the mobile device for a first level transaction, receive a transaction request from a user via the mobile device, determine that the transaction request is for the first level transaction, and complete the transaction request.
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公开(公告)号：US11233634B1
公开(公告)日：2022-01-25
申请号：US15632094
申请日：2017-06-23
发明人： Christopher P. Clausen , Jeffrey A. Cornman , David J. Dietrich , Jinee K. Ellis , Chirstopher P. Smith
摘要： A computing system includes a network interface, a customer database, and a processing circuit. The processing circuit receives information indicative of a first purchase by a customer, establish an aspect of the first purchase as a network authentication credential for the customer, receive a first request to connect to the network from a customer device associated with the customer after completion of the first purchase, transmit a first query to the customer device prompting the customer to input information regarding the aspect of the first purchase, receive a customer-input response to the first query, authenticate the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase, and authorize connection of the customer device to the network based at least in part on the first request being authenticated.
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公开(公告)号：US11005992B1
公开(公告)日：2021-05-11
申请号：US16837874
申请日：2020-04-01
发明人： Michael H. Chang , Kevin R. Cieslak , Jeffrey A. Cornman , Chris Kalaboukis , Beth S. Moss , Christina Zappala Ongpin , Ramanathan Ramanathan , Darrell L. Suen
IPC分类号： G06N7/00 , G06N99/00 , G10L15/26 , G10L15/18 , H04M3/436 , H04M3/42 , H04M1/663 , H04M3/22 , H04M3/20 , H04M3/54 , G06Q20/40
摘要： A fraud analysis computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to monitor incoming call data generated during an incoming call between a user and an incoming caller, detect a fraud trigger within the incoming call data, and complete a fraud interception activity in response to detection of the fraud trigger.
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公开(公告)号：US11775978B1
公开(公告)日：2023-10-03
申请号：US17324753
申请日：2021-05-19
发明人： Michael Chang , John Chuprevich , Kevin R. Cieslak , Christopher P. Clausen , Jeffrey A. Cornman , Samuel Downing , Bryan Hall , Julio Jiron , Bryan Kroll , Samuel Martin , Traci Nguyen , Virginia Randle , Priyamvada Singh , Darrell L. Suen , Kenneth L. Wright
CPC分类号： G06Q20/405 , G06F21/31 , G06F21/554 , G06Q20/4014
摘要： Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.
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公开(公告)号：US20230291550A1
公开(公告)日：2023-09-14
申请号：US18199722
申请日：2023-05-19
发明人： Christopher P. Clausen , Jeffrey A. Cornman , David J. Dietrich , Jinee K. Ellis , Chirstopher P. Smith
CPC分类号： H04L9/0838 , G06F21/31 , H04L9/0863 , H04L9/3226 , H04L61/5014 , H04L63/083 , H04L63/0892 , H04L67/34
摘要： A computing system can associate a customer device of a customer with a financial transaction record and the merchant, the financial transaction record indicative of a first purchase from the merchant by the customer, transmit a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of the financial transaction record indicative of the first purchase from the merchant by the customer, authenticating, by the computing system, the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase in accordance with a predetermined accuracy threshold, and authorizing, by the computing system, connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.
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公开(公告)号：US11048818B1
公开(公告)日：2021-06-29
申请号：US16589748
申请日：2019-10-01
发明人： Kevin R. Cieslak , Jeffrey A. Cornman , Chris Kalaboukis , Ramanathan Ramanathan , Darrell L. Suen , Christina M. Zappala
摘要： A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.
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公开(公告)号：US10791115B1
公开(公告)日：2020-09-29
申请号：US15864444
申请日：2018-01-08
IPC分类号： H04L29/06
摘要： Systems, methods, and other embodiments associated with bidirectional authorization are described herein. According to one embodiment, a method includes a user receiving a communication from an entity. In response to receiving the communication from the entity, the method further includes generating a token. The token may be personal identification number (PIN), alphanumeric value, code word, pass phrase, or security question. The token is received by a device of the user. Additionally, the token is transmitted to the entity. The user may then receive evidence of the token from the entity.
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公开(公告)号：US10474836B1
公开(公告)日：2019-11-12
申请号：US15498331
申请日：2017-04-26
发明人： Kevin R. Cieslak , Jeffrey A. Cornman , Chris Kalaboukis , Ramanathan Ramanathan , Darrell L. Suen , Christina M. Zappala
摘要： A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.
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公开(公告)号：US11695548B1
公开(公告)日：2023-07-04
申请号：US17583024
申请日：2022-01-24
发明人： Christopher P. Clausen , Jeffrey A. Cornman , David J. Dietrich , Jinee K. Ellis , Chirstopher P. Smith
CPC分类号： H04L9/0838 , G06F21/31 , H04L9/0863 , H04L9/3226 , H04L61/5014 , H04L63/083 , H04L63/0892 , H04L67/34
摘要： A computing system can associate a customer device of a customer with a financial transaction record and the merchant, the financial transaction record indicative of a first purchase from the merchant by the customer, transmit a first query to the customer device prompting the customer to input information regarding an aspect of the first purchase, the first query including a description of a predetermined product parameter of the financial transaction record indicative of the first purchase from the merchant by the customer, authenticating, by the computing system, the first request by determining that the customer-input response to the first query corresponds to the established aspect of the first purchase in accordance with a predetermined accuracy threshold, and authorizing, by the computing system, connection of the customer device to the network provided by the merchant based at least in part on the first request being authenticated.
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