公开(公告)号：US12062052B2

公开(公告)日：2024-08-13

申请号：US18171021

申请日：2023-02-17

申请人： Capital One Services, LLC

发明人： Nimma Bhusri ,  Xiaoguang Zhu ,  Ljubica Chatman ,  Lukiih Cuan

IPC分类号： G06Q20/40 ,  G06F16/951 ,  G06F21/31 ,  G06N20/00 ,  G06Q20/34 ,  G06Q30/018 ,  G06Q30/0282 ,  G06Q30/0601

CPC分类号： G06Q20/4097 ,  G06F16/951 ,  G06F21/313 ,  G06N20/00

摘要： Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.

公开(公告)号：US20240250926A1

公开(公告)日：2024-07-25

申请号：US18623875

申请日：2024-04-01

申请人： CLOUDFLARE, INC.

发明人： Michael J. Flester

IPC分类号： H04L51/212 ,  G06F21/31

CPC分类号： H04L51/212 ,  G06F21/313

摘要： An email verification system is described. The email verification system stores names and associated email addresses. An email is received that has a sender name and a sender email address. If the email verification system determines that the sender name matches a stored name but the sender email address does not match with an email address associated with the stored name, the email is prevented from being transmitted to its recipient unless the email is verified as being legitimate. The email verification system transmits a request to verify the email via a configured verification method. If a response is received that verifies the email as legitimate, the email is delivered; otherwise the email is blocked.

公开(公告)号：US20240039909A1

公开(公告)日：2024-02-01

申请号：US18482502

申请日：2023-10-06

申请人： Capital One Services, LLC

发明人： Jeffrey BROWN ,  Clayton JOHNSON

IPC分类号： H04L9/40 ,  G06F21/31 ,  G06F21/32

CPC分类号： H04L63/0861 ,  G06F21/313 ,  G06F21/32

摘要： A method performed by a user device may include obtaining biometric information relating to a user of the user device using a biometric sensor of the user device; determining that the biometric information is valid; generating a biometric indicator indicating that the biometric information is valid; providing a request for a callback from an entity, wherein the request includes the biometric information indicating that the biometric information is valid; and receiving the callback from the entity, wherein the callback is received based on the biometric information indicating that the biometric information is valid, and wherein the callback is associated with an entity identifier that is not provided to the user.

公开(公告)号：US20180096302A1

公开(公告)日：2018-04-05

申请号：US15653320

申请日：2017-07-18

申请人： The Toronto-Dominion Bank

发明人： Dean C.N. TSERETOPOULOS ,  Gregory Richard HARPER ,  Sarabjit Singh WALIA ,  Dino Paul D'AGOSTINO ,  John Jong-Suk LEE ,  Paul Mon-Wah CHAN ,  Rakesh Thomas JETHWA ,  Tae Gyun MOON

IPC分类号： G06Q10/10 ,  G06F9/445 ,  G06F21/41 ,  H04L29/06 ,  H04L29/08 ,  G06F3/038

CPC分类号： G06Q10/10 ,  G06F3/038 ,  G06F8/24 ,  G06F8/38 ,  G06F9/44505 ,  G06F9/4806 ,  G06F21/31 ,  G06F21/313 ,  G06F21/41 ,  H04L63/08 ,  H04L63/20 ,  H04L67/02 ,  H04L67/16

摘要： A method and system are provided for generating an interaction request to initiate a first interaction session using a first interaction channel between a request recipient and a request service provider. The method includes determining an identifier of the interaction request to be generated, determining a task associated with the interaction request, obtaining context data of a plurality of other interaction sessions associated with the identifier, determining a subset of the context data of the plurality of other interaction sessions and generating the interaction request using the subset of the context data. The interaction request may be a modified version of an initial interaction request.

公开(公告)号：US09832180B2

公开(公告)日：2017-11-28

申请号：US14745234

申请日：2015-06-19

申请人： Bojan Stopic

发明人： Manuel Lautenschlager

IPC分类号： G06F7/04 ,  H04L29/06 ,  G07C9/00 ,  G06F21/31 ,  G06F21/32 ,  G06F21/30

CPC分类号： H04L63/08 ,  G06F21/30 ,  G06F21/313 ,  G06F21/32 ,  G07C9/00158 ,  G07C2209/04 ,  H04L63/0861 ,  H04L63/105 ,  H04L63/18

摘要： An authentication system for authenticating a human requester requesting a service, wherein the authentication system is configured to establish via a first and a second port of the authentication system an authentication communication channel comprising a first communication channel to the requester and a second communication channel to a human authenticator, such that at least one of an audio stream of a voice of the requester, a video stream of a face of the requester and a 3D-data stream of the face of the requester is transmittable between the end node device of the requester and the end node device of the authenticator; and to record a confirmation message of the authenticator, wherein the confirmation message confirms or rejects at least one of the claimed identity and the requested service.

公开(公告)号：US09519767B2

公开(公告)日：2016-12-13

申请号：US13651925

申请日：2012-10-15

申请人： Samsung Electronics Co., Ltd.

发明人： Jung-Rim Kim

IPC分类号： G06F15/16 ,  H04L29/06 ,  G06F21/31 ,  H04L9/32

CPC分类号： G06F21/313

摘要： An apparatus and a method are provided for authenticating a combination code using a Quick Response (QR) code. The apparatus includes a QR code receiver that receives an image frame including a QR code; a QR code recognizer that recognizes the QR code within the image frame; a combination code generator that generates a combination code including the QR code; and a combination code transmitter that transmits the combination code to an authentication server.

摘要翻译： 提供了一种用于使用快速响应（QR）代码来认证组合代码的装置和方法。 该装置包括接收包括QR码的图像帧的QR码接收机; 识别图像帧内的QR码的QR码识别器; 组合代码生成器，其生成包括QR码的组合代码; 以及将组合代码发送到认证服务器的组合代码发送器。

公开(公告)号：US20160285855A1

公开(公告)日：2016-09-29

申请号：US15056768

申请日：2016-02-29

申请人： TeleSign Corporation

发明人： Stacy Lyn Stubblefield

IPC分类号： H04L29/06

CPC分类号： H04L63/083 ,  G06F21/313 ,  G06F21/316 ,  H04L63/0853 ,  H04L63/102 ,  H04L63/1433 ,  H04L63/18 ,  H04L63/20 ,  H04L2463/082

摘要： A behavioral characteristics authentication system and method (“BCA system”) that facilitates authentication of the identity of a user, registrant, or applicant of a website, application, or other accessible computer resource using a verification process that incorporates behavioral characteristics. In operation, the BCA system compares a single user's behavior with their previous behavior, a user's behavior with behavior generally attributed to non-fraudulent behavior, or a user's behavior with behavior generally attributed to fraudulent behavior. The population of other users that a user's behavior is compared with may be selected to have similar demographic or other characteristics as the user. By analyzing various behavioral characteristics associated with legitimate or fraudulent multi-factor authentication attempts, the BCA system adds another layer of security to online transactions.

摘要翻译： 一种行为特征认证系统和方法（“BCA系统”），其使用包含行为特征的验证过程来促进认证网站，应用程序或其他可访问的计算机资源的用户，注册人或申请人的身份。 在操作中，BCA系统将单个用户的行为与其以前的行为进行比较，用户的行为通常归因于非欺诈行为，或用户的行为通常归因于欺诈行为。 可以选择与用户的行为相比较的其他用户的群体具有与用户类似的人口统计学或其他特征。 通过分析与合法或欺诈性多因素身份验证尝试相关的各种行为特征，BCA系统为在线交易增加了另一层安全性。

公开(公告)号：US09275211B2

公开(公告)日：2016-03-01

申请号：US13844417

申请日：2013-03-15

申请人： TeleSign Corporation

发明人： Stacy Lyn Stubblefield

IPC分类号： G06F7/04 ,  G06F21/31 ,  H04L29/06

CPC分类号： H04L63/083 ,  G06F21/313 ,  G06F21/316 ,  H04L63/0853 ,  H04L63/102 ,  H04L63/1433 ,  H04L63/18 ,  H04L63/20 ,  H04L2463/082

摘要： A behavioral characteristics authentication system and method (“BCA system”) that facilitates authentication of the identity of a user, registrant, or applicant of a website, application, or other accessible computer resource using a verification process that incorporates behavioral characteristics. In operation, the BCA system compares a single user's behavior with their previous behavior, a user's behavior with behavior generally attributed to non-fraudulent behavior, or a user's behavior with behavior generally attributed to fraudulent behavior. The population of other users that a user's behavior is compared with may be selected to have similar demographic or other characteristics as the user. By analyzing various behavioral characteristics associated with legitimate or fraudulent multi-factor authentication attempts, the BCA system adds another layer of security to online transactions.

摘要翻译： 一种行为特征认证系统和方法（“BCA系统”），其使用包含行为特征的验证过程来促进认证网站，应用程序或其他可访问的计算机资源的用户，注册人或申请人的身份。 在操作中，BCA系统将单个用户的行为与其以前的行为进行比较，用户的行为通常归因于非欺诈行为，或用户的行为通常归因于欺诈行为。 可以选择与用户的行为相比较的其他用户的群体具有与用户类似的人口统计学或其他特征。 通过分析与合法或欺诈性多因素身份验证尝试相关的各种行为特征，BCA系统为在线交易增加了另一层安全性。

公开(公告)号：US20160049068A1

公开(公告)日：2016-02-18

申请号：US14923793

申请日：2015-10-27

申请人： RUOK LTD.

发明人： Tamar BEN-PORATH

IPC分类号： G08B25/01

CPC分类号： H04W12/00 ,  G06F21/305 ,  G06F21/313 ,  H04W4/02 ,  H04W4/027 ,  H04W4/90 ,  H04W12/08 ,  H04W88/02

摘要： A mobile personal security device, system and method to accept an activation signal of the system on a mobile device. An input of a periodicity setting is also accepted to indicate one of a series of time periods during which the system expects a security code to be inputted into the device. If the code is inputted into the device during one or each interval, then the interval is reset to expect a further inputting of the code during a subsequent interval. If the code is not received, an alarm signal may be issued.

摘要翻译： 一种在移动设备上接受系统的激活信号的移动个人安全设备，系统和方法。 周期性设置的输入也被接受以指示系统期望将密码输入到设备中的一系列时间段之一。 如果在一个或每个间隔期间将代码输入到设备中，则间隔被重置以期望在随后的间隔期间进一步输入代码。 如果没有接收到代码，则可能会发出报警信号。

公开(公告)号：US20150288674A1

公开(公告)日：2015-10-08

申请号：US14745234

申请日：2015-06-19

申请人： Bojan Stopic

发明人： Manuel Lautenschlager

IPC分类号： H04L29/06

CPC分类号： H04L63/08 ,  G06F21/30 ,  G06F21/313 ,  G06F21/32 ,  G07C9/00158 ,  G07C2209/04 ,  H04L63/0861 ,  H04L63/105 ,  H04L63/18

摘要： An authentication system for authenticating a human requester requesting a service, wherein the authentication system is configured to establish via a first and a second port of the authentication system an authentication communication channel comprising a first communication channel to the requester and a second communication channel to a human authenticator, such that at least one of an audio stream of a voice of the requester, a video stream of a face of the requester and a 3D-data stream of the face of the requester is transmittable between the end node device of the requester and the end node device of the authenticator; and to record a confirmation message of the authenticator, wherein the confirmation message confirms or rejects at least one of the claimed identity and the requested service.

摘要翻译： 一种用于认证请求服务的人请求者的认证系统，其中所述认证系统被配置为经由所述认证系统的第一和第二端口建立认证通信信道，所述认证通信信道包括到所述请求者的第一通信信道和到所述请求者的第二通信信道 人称认证器，使得请求者的语音的音频流，请求者的面部的视频流和请求者的面部的3D数据流中的至少一个可以在请求者的终端节点设备之间传送 和验证器的终端节点设备; 并且记录认证器的确认消息，其中所述确认消息确认或拒绝所要求保护的身份和所请求的服务中的至少一个。