公开(公告)号：US10454912B2

公开(公告)日：2019-10-22

申请号：US15267882

申请日：2016-09-16

申请人： Total System Services, Inc.

发明人： Donald Morford Riddick

IPC分类号： H04L29/06 ,  G06F21/31 ,  G06F3/0482

摘要： Disclosed are methods and systems for user authentication. User-specific data is aggregated by an authentication system. Answers to authentication questions are identified in the aggregated data. A user device attempting to authenticate with the authentication system is presented with the authentication question and selectable options for answering the authentication question. The selectable options include one or more valid answers and one or more false answers. A user device is authenticated after correctly answering one or more presented authentication questions.

公开(公告)号：US20070294164A1

公开(公告)日：2007-12-20

申请号：US11805615

申请日：2007-05-24

申请人： James Wilhelm ,  Stacy Leeds ,  Elaine Plakorus ,  Daniel Zimmerman ,  Kay Kaffenberger ,  Jorge Pazmino Silvera

发明人： James Wilhelm ,  Stacy Leeds ,  Elaine Plakorus ,  Daniel Zimmerman ,  Kay Kaffenberger ,  Jorge Pazmino Silvera

IPC分类号： G06K5/00 ,  G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Temporarily increasing a credit limit of the credit account to accommodate a purchase by a buyer for goods and/or services from a merchant. An account management module can receive a request to increase the credit limit via an interface. The request can include information regarding the purchase and information regarding the credit limit increase, including an amount by which to increase the credit limit. The request also can include rules for decreasing the credit limit at the end of the credit limit increase term. The account management module can process the credit limit increase and decrease, in accordance with the request. The account management module also can transmit an email to the merchant with credit account information needed to process the purchase. For example, the email can include a link to a web site at which the merchant can obtain the credit account information upon successful completion of an authentication procedure.

摘要翻译： 暂时增加信用账户的信用额度，以适应买方对商家的货物和/或服务的购买。 帐户管理模块可以接收通过界面增加信用额度的请求。 该请求可以包括关于购买的信息和关于信用额度增加的信息，包括增加信用额度的金额。 该请求还可以包括在信用额度增加期结束时减少信用额度的规则。 账户管理模块可以根据请求处理信用额度增减。 帐户管理模块还可以向商家发送具有处理购买所需的信用账户信息的电子邮件。 例如，电子邮件可以包括到网站的链接，在成功完成认证过程之后，商家可以在该站点获得信用账户信息。

公开(公告)号：US20210042824A1

公开(公告)日：2021-02-11

申请号：US16987142

申请日：2020-08-06

申请人： TOTAL SYSTEM SERVICES, INC,

发明人： Thomas TARLER ,  David ANDRE

IPC分类号： G06Q40/02 ,  G06K9/62 ,  G06N20/00 ,  G06N5/02

摘要： Methods, systems, and apparatuses for improved fraud detection and reduction are described herein. A system may receive a number of analysis parameters for detecting and reducing fraud. Using the analysis parameters, the system may determine a set of training events for each of a number of selected event types for analysis. Each event type may include one or more attributes. The system may transform each of the attributes. The system may determine a predicted action for each event. The system may include a machine learning module. The predicted action for each event may be provided to the machine learning module to train a machine learning model(s) for fraud detection and prevention.

公开(公告)号：US20060031718A1

公开(公告)日：2006-02-09

申请号：US10914542

申请日：2004-08-09

申请人： Carey Thornhill ,  Elaine Chapman

发明人： Carey Thornhill ,  Elaine Chapman

IPC分类号： G06F11/00

CPC分类号： G06F11/3672

摘要： Providing data as part of a testing regime for computer software. Random data values can be automatically generated to support the testing of any type of computer software that operates on data as part of its function. This random generation of data values can provide a breadth of data needed to fully stress the software program being tested. Data of any type can be provided to a testing regime and individual data elements may be related such that the provided data reflects realistic situations. Data can be extracted from data tables and/or generated through operating a function designed to generate a specific value type.

摘要翻译： 提供数据作为计算机软件测试体系的一部分。 可以自动生成随机数据值，以支持对作为其功能的一部分进行数据操作的任何类型的计算机软件的测试。 这种随机生成的数据值可以提供充分强调正在测试的软件程序所需的广泛数据。 任何类型的数据都可以提供给测试制度，并且各个数据元素可能相关，使得所提供的数据反映现实情况。 数据可以从数据表中提取和/或通过操作设计用于生成特定值类型的函数来生成。

公开(公告)号：US09757954B2

公开(公告)日：2017-09-12

申请号：US14456097

申请日：2014-08-11

申请人： Total System Services, Inc.

发明人： Fred Braswell

IPC分类号： B41J2/21 ,  B41M5/00 ,  B41M7/00 ,  B42D25/00 ,  B32B27/08

CPC分类号： B41J2/2132 ,  B32B27/08 ,  B32B2255/10 ,  B32B2255/205 ,  B32B2307/4023 ,  B32B2307/412 ,  B32B2307/414 ,  B32B2425/00 ,  B41M5/0047 ,  B41M5/0064 ,  B41M7/0081 ,  B42D25/00 ,  B42D2033/20 ,  B42D2033/30 ,  B42D2035/24

摘要： A process for using an inkjet printer to apply translucent inks for producing a pseudo-metallic visual effect on a substrate is disclosed. The process uses a matte printing technique that results in a metallic appearance when applied to various substrates, such as commercial plastic cards. The resulting card product is also disclosed.

公开(公告)号：US08818905B2

公开(公告)日：2014-08-26

申请号：US11821693

申请日：2007-06-25

申请人： George S. Perkins ,  Richard E. Sway

发明人： George S. Perkins ,  Richard E. Sway

IPC分类号： G06Q20/00 ,  H04M3/493 ,  G06F21/31 ,  G06Q20/40

CPC分类号： H04M3/493 ,  G06F21/31 ,  G06F2221/2115 ,  G06Q20/4012 ,  H04M2203/105 ,  H04M2203/609

摘要： Encrypting sensitive information sent using an interactive voice response (IVR) system. The systems and methods may include an HSM that provides a secure platform to encrypt the sensitive information. They may also include interfaces with IVR systems and transaction processing hosts. The systems and methods may interact directly with a customer using an IVR to receive the sensitive information. They may also provide for a secure platform to validate the strength of the information, such as a PIN or password, prior to further processing of the sensitive information.

摘要翻译： 加密使用交互式语音响应（IVR）系统发送的敏感信息。 系统和方法可以包括提供安全平台来加密敏感信息的HSM。 它们还可以包括与IVR系统和事务处理主机的接口。 系统和方法可以使用IVR直接与客户交互来接收敏感信息。 他们还可以提供一个安全平台，以在进一步处理敏感信息之前验证信息的强度，例如PIN或密码。

公开(公告)号：US07509289B2

公开(公告)日：2009-03-24

申请号：US10278625

申请日：2002-10-23

申请人： Mitch Barron ,  Hank Crye ,  Keith Helms ,  Johnny Ray Watson, Jr.

发明人： Mitch Barron ,  Hank Crye ,  Keith Helms ,  Johnny Ray Watson, Jr.

IPC分类号： G06Q30/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/40 ,  G06Q40/025

摘要： Controlling the authorization of financial transactions, such as credit card transactions. Financial institutions and businesses can establish accounts for employees that have an authorization process that augments the normal authorization process, where this augmented authorization process can result in approving transactions that otherwise exceed the transaction limitations established for the account. A single event authorization control (SEAC) process can be completed in response to determining that a financial services transaction undergoing a conventional authorization process qualifies for the SEAC process. To complete the process, a SEAC data record containing parameter values that most closely match the parameter values associated with the authorization request is selected and the applicable SEAC action contained in the data record, e.g., decline override, funds encumbrance, or budgetary exception, is performed. Then, a decision regarding authorization of the transaction is generated.

摘要翻译： 控制金融交易的授权，如信用卡交易。 金融机构和企业可以建立具有授权过程的员工帐户，以增加正常的授权流程，这种增强的授权过程可以导致批准交易，否则超出为该帐户建立的交易限制。 响应于确定经历常规授权过程的金融服务交易有资格进行SEAC流程，可以完成单个事件授权控制（SEAC）过程。 要完成此过程，将选择包含与授权请求相关联的参数值最接近的参数值的SEAC数据记录，并且数据记录中包含的适用的SEAC操作（例如，拒绝覆盖，资金负担或预算异常）是 执行。 然后，生成关于交易授权的决定。

公开(公告)号：US20090055323A1

公开(公告)日：2009-02-26

申请号：US11894896

申请日：2007-08-22

申请人： Matt Rebidue ,  Pat Weems ,  JoAnn James ,  Donnis Jones ,  Brooke Gates

发明人： Matt Rebidue ,  Pat Weems ,  JoAnn James ,  Donnis Jones ,  Brooke Gates

IPC分类号： G06Q30/00

CPC分类号： G07F7/1008 ,  G06Q20/105 ,  G06Q20/3552 ,  G06Q20/3672 ,  G06Q20/40 ,  G07F7/088 ,  G07F7/1025

摘要： Allowing an account holder for a newly-established financial card account to establish a PIN at the time the financial card account is opened and use that PIN to authenticate transactions at the time the account is opened. The systems and methods may include a POS device that securely captures and encrypts a custom PIN, that is, a PIN supplied by the customer for a new financial card account. The systems and methods would also include a transaction processing system that receives an encrypted PIN, along with customer information about a new financial card account, and processes that information and encrypted PIN to establish a new account. As a result of this processing, an authorization platform would receive information necessary to authenticate a user and authorize a transaction. Through these systems and methods, a customer would be able to use the custom PIN to authenticate a transaction at the time the new account is opened.

摘要翻译： 允许新成立的金融卡账户的账户持有人在开立金融卡账户时建立PIN，并在账户开立时使用该PIN进行身份验证。 系统和方法可以包括安全地捕获和加密自定义PIN的POS设备，即客户为新的金融卡帐户提供的PIN。 这些系统和方法还将包括一个交易处理系统，它接收加密的PIN以及关于新的金融卡账户的客户信息，并且处理该信息和加密的PIN以建立新的账户。 作为该处理的结果，授权平台将接收认证用户并授权交易所需的信息。 通过这些系统和方法，客户将能够使用自定义PIN码在新帐户打开时验证交易。

公开(公告)号：US08312288B2

公开(公告)日：2012-11-13

申请号：US12721839

申请日：2010-03-11

申请人： Jonathan Lupton ,  George S. Perkins

发明人： Jonathan Lupton ,  George S. Perkins

IPC分类号： H04L29/06

CPC分类号： G07F7/1025 ,  G06F21/31 ,  G06F21/606 ,  G06F21/83 ,  G06Q20/3552 ,  G07F7/10 ,  G07F7/1008 ,  G07F7/105 ,  G07F7/1091

摘要： Securely disclosing a personal identification number (“PIN”) associated with a financial account to an account holder and receiving a new PIN from the account holder. A PIN reveal application can interact with a hardware security module (“HSM”) using a PIN offset masking process and randomly generated account data to reveal the PIN to the account holder one or more PIN characters at a time. A PIN set application also can interact the HSM using a PIN offset masking process and randomly generated account data to receive a new PIN for the account one or more PIN characters at a time. In each of the PIN reveal and PIN setting processes, less than the entirety of the PIN is stored in an unencrypted format outside of the HSM only.

摘要翻译： 将与财务帐户相关联的个人识别码（PIN）安全地披露给账户持有人并从账户持有人处接收新的PIN。 PIN显示应用程序可以使用PIN偏移掩蔽处理和随机生成的帐户数据与硬件安全模块（HSM）进行交互，以便一次向帐户持有者显示一个或多个PIN字符的PIN。 PIN集合应用程序还可以使用PIN偏移掩蔽处理和随机生成的帐户数据来交互HSM，以便一次为帐户接收一个或多个PIN字符的新PIN。 在PIN显示和PIN设置过程的每一个中，少于整个PIN以仅在HSM之外的未加密格式存储。

公开(公告)号：US07801919B1

公开(公告)日：2010-09-21

申请号：US11788965

申请日：2007-04-23

申请人： Patricia Ann Matthews ,  Roney Bell ,  Andrew Corbel Kao ,  Frank Robinson, Jr.

发明人： Patricia Ann Matthews ,  Roney Bell ,  Andrew Corbel Kao ,  Frank Robinson, Jr.

IPC分类号： G06F17/30

CPC分类号： G06F17/30289

摘要： Providing a centralized process for accessing and implementing database management tools. These tools may be either developed by a vendor of the database management system, a third party, or by the enterprise implementing the database management tools. The system would include an interface between the user and the system that allows the user to indicate specific tasks to perform and provide a means for the user to receive and input information. The interface may support the development of specific job control messages that can be executed to implement a chosen task.

摘要翻译： 提供访问和实施数据库管理工具的集中式流程。 这些工具可能由数据库管理系统的供应商，第三方或由实施数据库管理工具的企业开发。 该系统将包括用户和系统之间的接口，其允许用户指示要执行的特定任务并提供用于用户接收和输入信息的手段。 该接口可以支持开发可执行以实现所选任务的特定作业控制消息。