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1.发明申请
公开(公告)号：WO2019118136A1
公开(公告)日：2019-06-20
申请号：PCT/US2018/061952
申请日：2018-11-20
IPC分类号： G06Q20/38
摘要： A system and computer-implemented method for processing CNP transactions using a 3DS protocol, and protecting against fraud by requiring and validating merchant (or acquirer) and card issuer operator IDs prior to authorization. Operator IDs may be obtained by completing a compliance test and enrolling in a compliance program. When an AREQ is received from a merchant (or acquirer), the presence and validity of the merchant's unique operator ID is checked. The AREQ may be sent to a corresponding card issuer depending on, e.g., whether the merchant's unique Operator ID is confirmed. When an ARES is received from the card issuer, the presence and validity of the card issuer's unique operator ID is checked. The ARES may be sent to the merchant depending on, e.g., whether the card issuer's unique Operator ID is confirmed.
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2.发明申请
公开(公告)号：WO2021242944A1
公开(公告)日：2021-12-02
申请号：PCT/US2021/034391
申请日：2021-05-27
摘要： Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.
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3.发明申请SYSTEMS AND METHODS FOR MONITORING AUTHENTICATION OF TRANSACTIONS TO PAYMENT NETWORKS 审中-公开监督付款网络交易认证的系统和方法
公开(公告)号：WO2017027188A1
公开(公告)日：2017-02-16
申请号：PCT/US2016/043557
申请日：2016-07-22
发明人： HEY, Mark, B. , MALLEPALLY, Anand , BAKER, Paul
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405
摘要： Systems and methods for use in monitoring authentication messaging associated with payment account transactions are disclosed. One exemplary method includes monitoring authentication messaging from a merchant plug-in (MPI) associated with at least one merchant. The authentication messaging is related to one or more consumers attempting transactions to payment accounts at the at least one merchant. The exemplary method further includes, for each authentication message received from the MPI, transmitting the authentication message to an access control server (ACS) when an issuer associated with the payment account at issue is a participant in an authentication service, monitoring, by the computing device, response messaging from the ACS, each response message associated with a transaction and generated in response to an authentication messages from the MPI, and generating, by the computing device, at least one flag, when a condition associated with the authentication messages and/or the response messages is abnormal.
摘要翻译： 公开了用于监视与支付账户交易相关联的认证消息的系统和方法。 一种示例性方法包括监视与至少一个商家相关联的商家插件（MPI）的认证消息。 身份验证消息传送与一个或多个消费者尝试在至少一个商家处对付款帐户进行交易相关。 该示例性方法还包括：当与所述MPI接收到的每个认证消息时，当与所述支付帐户相关联的发行者是认证服务的参与者时，将所述认证消息发送到接入控制服务器（ACS），通过所述计算 设备，来自ACS的响应消息，每个响应消息与事务相关联并且响应于来自MPI的认证消息而生成，并且由计算设备生成至少一个标志，当与认证消息和/ 或者响应消息异常。
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4.发明申请SYSTEMS AND METHODS FOR ENABLING PERFORMANCE REVIEW OF CERTIFIED AUTHENTICATION SERVICES 审中-公开用于使得认证认证服务的性能评审的系统和方法
公开(公告)号：WO2017213989A1
公开(公告)日：2017-12-14
申请号：PCT/US2017/035693
申请日：2017-06-02
发明人： HEY, Mark, B. , DICKINSON, Stephanie , BAKER, Paul
CPC分类号： G06Q20/40 , G06Q10/0639 , G06Q20/20
摘要： Systems and methods for use in enabling performance review of certified authentication services for use with a payment network are disclosed. One exemplary method includes identifying at least one performance metric of an authentication service. The authentication service is implemented into a payment network and certified to the payment network. The exemplary method also includes measuring the at least one performance metric of the authentication service, electronically notifying a service provider associated with the authentication service when the at least one performance metric fails to satisfy a defined threshold, and transmitting to the service provider at least one remedial action for the authentication service and at least one consequence for failure to satisfy the remedial action, whereby the payment network is configured to monitor the certified authentication service after certification of the authentication service.
摘要翻译： 披露了用于启用认证认证服务的性能评审以用于支付网络的系统和方法。 一个示例性方法包括识别认证服务的至少一个性能度量。 认证服务被实施到支付网络中并且被认证到支付网络。 该示例性方法还包括测量认证服务的至少一个性能度量，当至少一个性能度量不满足定义的阈值时，电子地通知与认证服务相关联的服务提供商，并且向服务提供商发送至少一个 针对认证服务的补救措施以及不满足补救措施的至少一个结果，由此支付网络被配置为在认证服务的认证之后监视认证的认证服务。
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