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11. 发明授权

US09195822B2 Familiar dynamic human challenge response test content 有权
标题翻译：熟悉的动态人类挑战响应测试内容
公开(公告)号：US09195822B2
公开(公告)日：2015-11-24
申请号：US13721647
申请日：2012-12-20
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： G06F21/45 , G06F21/31
CPC分类号： H04L63/0876 , G06F21/31 , G06F21/45 , G06F2221/2133 , H04L63/20
摘要： Embodiments of the invention are directed to human challenge response test delivery systems and methods. Specifically, embodiments of the present invention are directed to secure human challenge response test delivery services of configurable difficulty for user devices. One embodiment of the present invention is directed to methods and systems for implementing a familiar and dynamic human challenge response test challenge repository created from transaction data. The dynamic human challenge response test challenge repository may be created by a server computer receiving a plurality of transaction data. Challenge items may be extracted from the transaction data using an extraction algorithm. Furthermore, in some embodiments a challenge message may be sent to a requestor, a verification request may be received, and the verification request may be compared to the challenge message. Another embodiment may be directed at using user information in a human challenge response test to mutually authenticate a user and a service provider.
摘要翻译：本发明的实施例涉及人类挑战响应测试传递系统和方法。具体地，本发明的实施例涉及用于用户设备的可配置难度的安全的人类挑战响应测试传递服务。本发明的一个实施例涉及用于实现从交易数据库创建的熟悉和动态的人类挑战响应测试挑战存储库的方法和系统。可以由接收多个交易数据的服务器计算机创建动态人类挑战响应测试挑战存储库。可以使用提取算法从交易数据中提取挑战项目。此外，在一些实施例中，挑战消息可以被发送到请求者，可以接收验证请求，并且将验证请求与挑战消息进行比较。另一个实施例可以针对在人类挑战响应测试中使用用户信息来相互认证用户和服务提供商。

12. 发明授权

US08782391B2 Service activation using algorithmically defined key 有权
标题翻译：使用算法定义的密钥进行服务激活
公开(公告)号：US08782391B2
公开(公告)日：2014-07-15
申请号：US12796087
申请日：2010-06-08
申请人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
发明人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
IPC分类号： H04L9/32 , H04L9/06 , G06F21/31 , G06Q20/40 , G06Q20/38
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译：公开了使用算法定义的键进行服务激活的系统和方法。与第一方有关系的消费者可能希望注册第三方提供的服务。第一方可以通过使用算法定义的键来保持对这种注册的控制。算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。验证提供数据同步，而不需要第三方访问第一方数据系统。

13. 发明申请

US20130160098A1 FAMILIAR DYNAMIC HUMAN CHALLENGE RESPONSE TEST CONTENT 有权
标题翻译：家庭动态人类挑战反应测试内容
公开(公告)号：US20130160098A1
公开(公告)日：2013-06-20
申请号：US13721647
申请日：2012-12-20
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： G06F21/45 , G06F21/31
CPC分类号： H04L63/0876 , G06F21/31 , G06F21/45 , G06F2221/2133 , H04L63/20
摘要： Embodiments of the invention are directed to human challenge response test delivery systems and methods. Specifically, embodiments of the present invention are directed to secure human challenge response test delivery services of configurable difficulty for user devices. One embodiment of the present invention is directed to methods and systems for implementing a familiar and dynamic human challenge response test challenge repository created from transaction data. The dynamic human challenge response test challenge repository may be created by a server computer receiving a plurality of transaction data. Challenge items may be extracted from the transaction data using an extraction algorithm. Furthermore, in some embodiments a challenge message may be sent to a requestor, a verification request may be received, and the verification request may be compared to the challenge message. Another embodiment may be directed at using user information in a human challenge response test to mutually authenticate a user and a service provider.
摘要翻译：本发明的实施例涉及人类挑战响应测试传递系统和方法。具体地，本发明的实施例涉及用于用户设备的可配置难度的安全的人类挑战响应测试传递服务。本发明的一个实施例涉及用于实现从交易数据库创建的熟悉和动态的人类挑战响应测试挑战存储库的方法和系统。可以由接收多个交易数据的服务器计算机创建动态人类挑战响应测试挑战存储库。可以使用提取算法从交易数据中提取挑战项目。此外，在一些实施例中，挑战消息可以被发送到请求者，可以接收验证请求，并且将验证请求与挑战消息进行比较。另一个实施例可以针对在人类挑战响应测试中使用用户信息来相互认证用户和服务提供商。

14. 发明申请

US20100318783A1 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 有权
标题翻译：使用算术关键词进行服务激活
公开(公告)号：US20100318783A1
公开(公告)日：2010-12-16
申请号：US12796087
申请日：2010-06-08
申请人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
发明人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
IPC分类号： H04L9/32 , G06F21/20
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译：公开了使用算法定义的键进行服务激活的系统和方法。与第一方有关系的消费者可能希望注册第三方提供的服务。第一方可以通过使用算法定义的键来保持对这种注册的控制。算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。验证提供数据同步，而不需要第三方访问第一方数据系统。

15. 发明申请

US20160057143A1 FAMILIAR DYNAMIC HUMAN CHALLENGE RESPONSE TEST CONTENT 审中-公开
公开(公告)号：US20160057143A1
公开(公告)日：2016-02-25
申请号：US14922040
申请日：2015-10-23
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： H04L29/06
CPC分类号： H04L63/0876 , G06F21/31 , G06F21/45 , G06F2221/2133 , H04L63/20
摘要： Embodiments of the invention are directed to human challenge response test delivery systems and methods. Specifically, embodiments of the present invention are directed to secure human challenge response test delivery services of configurable difficulty for user devices. One embodiment of the present invention is directed to methods and systems for implementing a familiar and dynamic human challenge response test challenge repository created from transaction data. The dynamic human challenge response test challenge repository may be created by a server computer receiving a plurality of transaction data. Challenge items may be extracted from the transaction data using an extraction algorithm. Furthermore, in some embodiments a challenge message may be sent to a requestor, a verification request may be received, and the verification request may be compared to the challenge message. Another embodiment may be directed at using user information in a human challenge response test to mutually authenticate a user and a service provider.

16. 发明申请

US20140325606A1 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 审中-公开
标题翻译：使用算术关键词进行服务激活
公开(公告)号：US20140325606A1
公开(公告)日：2014-10-30
申请号：US14288254
申请日：2014-05-27
申请人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
发明人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
IPC分类号： H04L29/06
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译：公开了使用算法定义的键进行服务激活的系统和方法。与第一方有关系的消费者可能希望注册第三方提供的服务。第一方可以通过使用算法定义的键来保持对这种注册的控制。算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。验证提供数据同步，而不需要第三方访问第一方数据系统。

17. 发明授权

US09953309B2 Third party integrated security system 有权
公开(公告)号：US09953309B2
公开(公告)日：2018-04-24
申请号：US13237690
申请日：2011-09-20
申请人： Mark Carlson , Ayman Hammad
发明人： Mark Carlson , Ayman Hammad
IPC分类号： G06Q40/00 , G06Q20/32 , G06Q20/10 , G06Q20/36
CPC分类号： G06Q20/3223 , G06Q20/10 , G06Q20/325 , G06Q20/363 , G06Q20/3672
摘要： A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction.

18. 发明申请

US20150025946A1 ON-LINE AUTHORIZATION IN ACCESS ENVIRONMENT 审中-公开
公开(公告)号：US20150025946A1
公开(公告)日：2015-01-22
申请号：US14446843
申请日：2014-07-30
申请人： Ayman Hammad , Philip Dixon , Khalid El-Awady , Patrick Faith , Mark Carlson
发明人： Ayman Hammad , Philip Dixon , Khalid El-Awady , Patrick Faith , Mark Carlson
IPC分类号： G07B15/00 , G06Q20/34 , G06Q20/40 , G07C9/00
CPC分类号： G07B15/00 , G06Q20/32 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q40/12 , G07B15/02 , G07C9/00103 , G07F17/0014
摘要： A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

19. 发明授权

US08761809B2 Transaction using a mobile device with an accelerometer 有权
标题翻译：使用带有加速度计的移动设备进行交易
公开(公告)号：US08761809B2
公开(公告)日：2014-06-24
申请号：US12952811
申请日：2010-11-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
IPC分类号： H04W24/00
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection.
摘要翻译：本发明的实施例可以使用第一加速度计来测量第一装置的第一加速度数据。还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。第一加速度数据由远程服务器计算机与由第二装置中的第二加速度计产生的第二加速度数据进行比较。如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。通信发起后，进行金融交易。加速度计数据可以被存储和/或用作支付处理网络中认证过程的一部分。本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。加速度计数据用于认证，安全性，加密，会话密钥，不可否认性或欺诈保护。

20. 发明申请

US20130159446A1 Supplemental Alert System and Method 有权
标题翻译：补充警报系统和方法
公开(公告)号：US20130159446A1
公开(公告)日：2013-06-20
申请号：US13714161
申请日：2012-12-13
申请人： Mark Carlson , Ayman Hammad , Ashley Carlson
发明人： Mark Carlson , Ayman Hammad , Ashley Carlson
IPC分类号： H04L12/58
CPC分类号： H04L51/24 , H04L63/0892 , H04L65/403
摘要： Embodiments of the invention provide an “also notify” feature that allows a user to set up rules to notify a recipient that a transaction was conducted by the user. When a user conducts a transaction using an account associated with a server computer in an alert system, the server computer generates an alert message if a rule is triggered. The alert message is transmitted to the user informing of the transaction. The server computer also notifies a recipient on a platform specified in the triggered rule by the user, using a supplemental alert message.
摘要翻译：本发明的实施例提供了一种“通知”功能，其允许用户设置规则以通知接收者用户进行交易。当用户使用与警报系统中的服务器计算机相关联的帐户进行事务时，如果触发了规则，服务器计算机将生成警报消息。警报消息被传送给用户通知交易。服务器计算机还使用补充警报消息来通知用户在触发的规则中指定的平台上的收件人。

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