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1. 发明申请

US20160034900A1 AUTHENTICATION SYSTEM WITH MESSAGE CONVERSION 审中-公开
标题翻译：具有消息转换的认证系统
公开(公告)号：US20160034900A1
公开(公告)日：2016-02-04
申请号：US14814073
申请日：2015-07-30
申请人： Mark Allen Nelsen , Craig O'Connell , Karl Newland , Douglas Fisher
发明人： Mark Allen Nelsen , Craig O'Connell , Karl Newland , Douglas Fisher
IPC分类号： G06Q20/40 , G06Q20/32 , G06F21/31
CPC分类号： G06Q20/4016 , G06F21/31 , G06Q20/3224 , G06Q20/40
摘要： A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message. Additionally, the server computing device receives messages formatted according to the second message format from the authorization computer and translates them into messages formatted according to the first message format to be sent to the user's computing device.
摘要翻译：服务器计算设备经由业务中涉及的用户的计算设备从一方接收根据第一消息格式格式化的认证请求消息，将消息转换为根据第二消息格式格式化的修改后的认证请求消息，并将修改后的认证请求消息到授权计算机。服务器计算设备可以通过包括从服务器计算设备和用户的计算设备之间描述用户，用户的计算设备和/或网络路径的接收的认证请求消息收集的数据以及生成的风险分数来增加修改的认证请求消息基于所接收的认证请求消息。此外，服务器计算设备从授权计算机接收根据第二消息格式格式化的消息，并将它们转换成根据要发送给用户计算设备的第一消息格式格式化的消息。

2. 发明申请

US20190109837A1 SYSTEMS AND METHODS OF USER AUTHENTICATION FOR DATA SERVICES 审中-公开
公开(公告)号：US20190109837A1
公开(公告)日：2019-04-11
申请号：US16215227
申请日：2018-12-10
申请人： Brendan Xavier Louis , Craig O'Connell , Karl Newland , Douglas Fisher
发明人： Brendan Xavier Louis , Craig O'Connell , Karl Newland , Douglas Fisher
IPC分类号： H04L29/06 , G06F16/2457
CPC分类号： H04L63/08 , G06F16/24575
摘要： Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.

3. 发明申请

US20170318000A1 SYSTEMS AND METHODS OF USER AUTHENTICATION FOR DATA SERVICES 审中-公开
公开(公告)号：US20170318000A1
公开(公告)日：2017-11-02
申请号：US15141155
申请日：2016-04-28
申请人： Brendan Xavier Louis , Craig O'Connell , Karl Newland , Douglas Fisher
发明人： Brendan Xavier Louis , Craig O'Connell , Karl Newland , Douglas Fisher
IPC分类号： H04L29/06 , G06F17/30
CPC分类号： H04L63/08 , G06F17/30528
摘要： Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.

4. 发明申请

US20150120559A1 ENHANCEMENTS TO TRANSACTION PROCESSING IN A SECURE ENVIRONMENT 审中-公开
标题翻译：在安全环境中进行交易处理的增强
公开(公告)号：US20150120559A1
公开(公告)日：2015-04-30
申请号：US14527647
申请日：2014-10-29
申请人： Douglas Fisher , Karl Newland , Patrick Wright , Kevin Wong , Christopher Brownlee
发明人： Douglas Fisher , Karl Newland , Patrick Wright , Kevin Wong , Christopher Brownlee
IPC分类号： G06Q20/40 , G06F21/44
CPC分类号： G06Q20/4016 , G06F21/44 , G06Q20/12 , G06Q20/3224 , G06Q20/34 , G06Q20/4012 , G06Q20/4014 , G06Q20/40145 , G06Q20/405 , G06Q20/425
摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.
摘要翻译：本发明的实施例涉及用于执行安全认证处理以验证在商家和用户之间的交易中使用的支付装置的方法，系统和装置。安全认证过程可以接收包括用户数据，用户计算设备数据和交易数据的认证请求消息，以验证帐户是否登记在安全认证过程中，并执行风险分析以确定交易是否应被认证。

5. 发明申请

US20150120560A1 ENHANCEMENTS TO TRANSACTION PROCESSING IN A SECURE ENVIRONMENT USING A MERCHANT COMPUTER 审中-公开
标题翻译：使用商业计算机在安全环境中进行交易处理的增强
公开(公告)号：US20150120560A1
公开(公告)日：2015-04-30
申请号：US14527652
申请日：2014-10-29
申请人： Douglas Fisher , Karl Newland , Patrick Wright , Kevin Wong , Christopher Brownlee
发明人： Douglas Fisher , Karl Newland , Patrick Wright , Kevin Wong , Christopher Brownlee
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06F21/44 , G06Q20/12 , G06Q20/3224 , G06Q20/34 , G06Q20/4012 , G06Q20/4014 , G06Q20/40145 , G06Q20/405 , G06Q20/425
摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.
摘要翻译：本发明的实施例涉及用于执行安全认证处理以验证在商家和用户之间的交易中使用的支付装置的方法，系统和装置。安全认证过程可以接收包括用户数据，用户计算设备数据和交易数据的认证请求消息，以验证帐户是否登记在安全认证过程中，并执行风险分析以确定交易是否应被认证。

6. 发明申请

US20180240170A1 USER ENHANCED AUTHENTICATION SYSTEM FOR ONLINE PURCHASES 审中-公开
公开(公告)号：US20180240170A1
公开(公告)日：2018-08-23
申请号：US15956568
申请日：2018-04-18
申请人： Ben Dominguez , Douglas Fisher , Julie Chan
发明人： Ben Dominguez , Douglas Fisher , Julie Chan
IPC分类号： G06Q30/06 , G06Q50/26 , G06Q20/40
CPC分类号： G06Q30/0609 , G06Q20/34 , G06Q20/40 , G06Q20/4014 , G06Q20/409 , G06Q30/06 , G06Q30/0601 , G06Q30/0603 , G06Q50/265
摘要： Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.

7. 发明申请

US20150348023A1 METHODS AND SYSTEMS FOR PERFORMING AUTHENTICATION IN CONSUMER TRANSACTIONS 审中-公开
标题翻译：在消费者交易中执行认证的方法和系统
公开(公告)号：US20150348023A1
公开(公告)日：2015-12-03
申请号：US14823632
申请日：2015-08-11
申请人： Douglas Fisher , Benedicto H. Dominguez , Timothy Mu-chu Lee
发明人： Douglas Fisher , Benedicto H. Dominguez , Timothy Mu-chu Lee
IPC分类号： G06Q20/38
CPC分类号： G06K5/00 , G06Q20/24 , G06Q20/341 , G06Q20/382 , G06Q20/388 , G06Q20/40 , G06Q20/4014 , G06Q30/06 , G07F7/1008
摘要： The method for authenticating a mail order or telephone order transaction according to the present invention includes receiving authentication information from a cardholder, providing authentication information to an issuer, and determining whether the authentication information is valid. If the authentication information is valid, the issuer informs the merchant that the transaction is valid. In an embodiment, the issuer may not supply a personal assurance message and/or other confidential cardholder information previously supplied by the cardholder in response to the authentication information.
摘要翻译：根据本发明的用于认证邮购或电话订单交易的方法包括从持卡人接收认证信息，向发行者提供认证信息，以及确定认证信息是否有效。如果认证信息有效，则发行商通知商家交易有效。在一个实施例中，发行者可以不响应于认证信息来提供先前由持卡人提供的个人保证消息和/或其他机密持卡人信息。

8. 发明申请

US20140379342A1 VOICE FILTER SYSTEM 有权
标题翻译：语音滤波系统
公开(公告)号：US20140379342A1
公开(公告)日：2014-12-25
申请号：US14315092
申请日：2014-06-25
申请人： Shaw Li , Dhiraj Sharda , Douglas Fisher
发明人： Shaw Li , Dhiraj Sharda , Douglas Fisher
IPC分类号： G10L17/00 , G06Q20/40 , G10L19/00
CPC分类号： G06Q20/40145 , G06F21/32 , G07C9/00087 , G10L17/22
摘要： Embodiments of the invention are directed to systems and methods for voice filtering. In some embodiments, an original voice segment from a user may be received. The received original voice segment may be modified using a first predetermined algorithm. The modified voice segment may be sent to an authentication server. At the authentication server, the modified voice segment may be reconstructed into the original voice segment using a second predetermined algorithm. The user may be authenticated for a transaction based at least in part on the reconstructed original voice segment.
摘要翻译：本发明的实施例涉及用于语音过滤的系统和方法。在一些实施例中，可以接收来自用户的原始语音段。可以使用第一预定算法修改所接收的原始语音段。修改的语音段可以被发送到认证服务器。在认证服务器处，可以使用第二预定算法将经修改的语音段重构成原始语音段。可以至少部分地基于重建的原始语音段来对用户进行交易认证。

9. 发明申请

US20100312703A1 SYSTEM AND METHOD FOR PROVIDING AUTHENTICATION FOR CARD NOT PRESENT TRANSACTIONS USING MOBILE DEVICE 审中-公开
标题翻译：使用移动设备提供不存在交易的认证的系统和方法
公开(公告)号：US20100312703A1
公开(公告)日：2010-12-09
申请号：US12791723
申请日：2010-06-01
申请人： Ashish Kulpati , Pankaj Rajurkar , Soon Guan Sam Oon , Douglas Fisher , James Dene Dimmick , Benedicto Hernandez Dominguez , In-Tchang Kim
发明人： Ashish Kulpati , Pankaj Rajurkar , Soon Guan Sam Oon , Douglas Fisher , James Dene Dimmick , Benedicto Hernandez Dominguez , In-Tchang Kim
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/32 , G06Q20/40 , H04L63/083
摘要： A system, apparatus, and method includes infrastructure and processes to enable a consumer to register their mobile phone number and associate that number with a payment account. After registration, the consumer may use their mobile phone to initiate or perform one or more stages of a payment transaction. The payment transaction is recognized as being initiated or performed by a mobile phone, and in response a server may authenticate the transaction based on the mobile phone number and a previous registration and authentication process. In other embodiments, the server may recognize the payment transaction as being initiated or performed by a mobile phone, and in response contact the consumer using the mobile phone to request confirmation of the consumer's desire to perform the transaction.
摘要翻译：系统，装置和方法包括使消费者能够注册他们的移动电话号码并将该号码与支付帐户相关联的基础设施和过程。注册后，消费者可以使用他们的手机发起或执行支付交易的一个或多个阶段。支付交易被识别为由移动电话发起或执行，并且作为响应，服务器可以基于移动电话号码和先前的注册和认证过程来认证交易。在其他实施例中，服务器可以将支付交易识别为由移动电话发起或执行，并且响应于使用移动电话联系消费者来请求确认消费者执行交易的愿望。

10. 发明申请

US20100114740A1 USER ENHANCED AUTHENTICATION SYSTEM FOR ONLINE PURCHASES 有权
标题翻译：用户在线购买的增强认证系统
公开(公告)号：US20100114740A1
公开(公告)日：2010-05-06
申请号：US12606522
申请日：2009-10-27
申请人： Ben Dominguez , Douglas Fisher , Julie Chan
发明人： Ben Dominguez , Douglas Fisher , Julie Chan
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q10/00 , G06F15/16
CPC分类号： G06Q30/0609 , G06Q20/34 , G06Q20/40 , G06Q20/4014 , G06Q20/409 , G06Q30/06 , G06Q30/0601 , G06Q30/0603 , G06Q50/265
摘要： Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.
摘要翻译：本发明的实施例涉及方法，系统，设备和计算机可读介质。在本发明的实施例中，使用认证过程来认证用户，所述认证过程能够使用可以认证消费者的内联认证表来认证用户，而不转移由商家维护的会话。如果认证系统的组件能够支持内联认证表单，则使用内联认证表单。如果系统的组件不能支持内联认证表单，则使用不同的认证过程。在一个实施例中，异步认证表单被呈现给用户。验证在验证期间要使用的组件可以支持内联认证表单时，这种内联认证表单可以在嵌入在商家结帐页面中的iFrame中呈现。

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