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11. 发明申请

US20180268404A1 REMOTE VARIABLE AUTHENTICATION PROCESSING 审中-公开
公开(公告)号：US20180268404A1
公开(公告)日：2018-09-20
申请号：US15981660
申请日：2018-05-16
申请人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
发明人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
IPC分类号： G06Q20/40
摘要： A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.

12. 发明授权

US08364593B2 Intelligent authentication 有权
标题翻译：智能认证
公开(公告)号：US08364593B2
公开(公告)日：2013-01-29
申请号：US12826157
申请日：2010-06-29
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：公开了用于智能地认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定可由发行方用作认证信道的一个或多个可用通信信道。服务器计算机还确定可由用户的移动设备使用的一个或多个通信信道，其可以用作认证信道来认证支付交易。向用户提供可用/合格认证通道的列表。用户选择一个认证通道，并向发行者通知该选择。发行方使用所选择的认证通道与用户进行通信并认证支付交易。

13. 发明申请

US20110178927A1 VERIFICATION MECHANISM 审中-公开
标题翻译：验证机制
公开(公告)号：US20110178927A1
公开(公告)日：2011-07-21
申请号：US13009419
申请日：2011-01-19
申请人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
发明人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40
摘要： Systems, apparatuses, and methods for receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer. Upon receiving the verification message, searching for the account using the information of the verification message.
摘要翻译：用于接收具有包括与消费者的帐户相关联的帐户标识符的第一部分而不是第二部分的信息的验证消息的系统，装置和方法。在接收到验证消息后，使用验证消息的信息搜索该帐号。

14. 发明授权

US08504475B2 Systems and methods for enrolling users in a payment service 有权
标题翻译：将用户注册到支付服务中的系统和方法
公开(公告)号：US08504475B2
公开(公告)日：2013-08-06
申请号：US12853101
申请日：2010-08-09
申请人： Olivier Brand , Gregory Trifiletti , Mike Lindelsee
发明人： Olivier Brand , Gregory Trifiletti , Mike Lindelsee
IPC分类号： G06Q20/10
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/40
摘要： Embodiments of the invention are direction to systems, apparatuses and methods for enrolling users in a payment service that enables an individual (“a presenter”) to conduct a payment transaction with another party (“an acceptor”) more efficiently in situations where the individual has multiple payment accounts. One embodiment of the invention is directed to a method comprising presenting to a user a plurality of payment accounts associated with the user, receiving from the user a selection of an alias account identifier for each of the payment accounts, and storing in a database data that associates the selected alias account identifiers with the payment accounts.
摘要翻译：本发明的实施例是指向用户登记支付服务的系统，装置和方法，使得个人（“主持人”）在个人（“主持人”）的情况下更有效地进行与另一方（“接受者”）的支付交易有多个付款帐户。本发明的一个实施例涉及一种方法，包括向用户呈现与用户相关联的多个支付账户，从用户接收对每个支付账户的别名账户标识符的选择，以及在数据库数据中存储数据，将所选的别名帐户标识符与付款帐户相关联。

15. 发明申请

US20110178925A1 Token Based Transaction Authentication 有权
标题翻译：基于令牌的事务认证
公开(公告)号：US20110178925A1
公开(公告)日：2011-07-21
申请号：US13009162
申请日：2011-01-19
申请人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
发明人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3829 , G06Q20/00 , G06Q20/40
摘要： A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.
摘要翻译：公开了一种基于令牌的事务认证系统。发卡机构，商家和支付处理网络生成独特的令牌或密钥，以在其间进行认证，并在发送实体或消费者被重定向在实体之间进行认证。令牌也用于识别消息或发送实体关联的特定认证线程。发送实体认证发生在基于Web的频道或基于移动的频道上。

16. 发明申请

US20110035319A1 SYSTEMS AND METHODS FOR ENROLLING USERS IN A PAYMENT SERVICE 有权
标题翻译：在付款服务中强制使用者的系统和方法
公开(公告)号：US20110035319A1
公开(公告)日：2011-02-10
申请号：US12853101
申请日：2010-08-09
申请人： Olivier Brand , Gregory Trifiletti , Mike Lindelsee
发明人： Olivier Brand , Gregory Trifiletti , Mike Lindelsee
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/40
摘要： Embodiments of the invention are direction to systems, apparatuses and methods for enrolling users in a payment service that enables an individual (“a presenter”) to conduct a payment transaction with another party (“an acceptor”) more efficiently in situations where the individual has multiple payment accounts. One embodiment of the invention is directed to a method comprising presenting to a user a plurality of payment accounts associated with the user, receiving from the user a selection of an alias account identifier for each of the payment accounts, and storing in a database data that associates the selected alias account identifiers with the payment accounts.
摘要翻译：本发明的实施例是指向用户登记支付服务的系统，装置和方法，使得个人（“主持人”）在个人（“主持人”）的情况下更有效地进行与另一方（“接受者”）的支付交易有多个付款帐户。本发明的一个实施例涉及一种方法，包括向用户呈现与用户相关联的多个支付账户，从用户接收对每个支付账户的别名账户标识符的选择，以及在数据库数据中存储数据，将所选的别名帐户标识符与付款帐户相关联。

17. 发明申请

US20110016051A1 INTELLIGENT AUTHENTICATION 有权
标题翻译：智能认证
公开(公告)号：US20110016051A1
公开(公告)日：2011-01-20
申请号：US12826157
申请日：2010-06-29
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q20/00 , G06F17/30
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：公开了用于智能地认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定可由发行方用作认证信道的一个或多个可用通信信道。服务器计算机还确定可由用户的移动设备使用的一个或多个通信信道，其可以用作认证信道来认证支付交易。向用户提供可用/合格认证通道的列表。用户选择一个认证通道，并向发行者通知该选择。发行方使用所选择的认证通道与用户进行通信并认证支付交易。

18. 发明申请

US20180005233A1 INTELLIGENT AUTHENTICATION 审中-公开
公开(公告)号：US20180005233A1
公开(公告)日：2018-01-04
申请号：US15707939
申请日：2017-09-18
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/20
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.

19. 发明申请

US20130232079A1 TOKEN BASED TRANSACTION AUTHENTICATION 审中-公开
公开(公告)号：US20130232079A1
公开(公告)日：2013-09-05
申请号：US13860402
申请日：2013-04-10
申请人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
发明人： Mike Lindelsee , Olivier Brand , James Dimmick , Benedicto Dominguez
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3829 , G06Q20/00 , G06Q20/40
摘要： A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.

20. 发明申请

US20130212018A1 INTELLIGENT AUTHENTICATION 有权
标题翻译：智能认证
公开(公告)号：US20130212018A1
公开(公告)日：2013-08-15
申请号：US13718538
申请日：2012-12-18
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q20/32
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：公开了用于智能地认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定可由发行方用作认证信道的一个或多个可用通信信道。服务器计算机还确定可由用户的移动设备使用的一个或多个通信信道，其可以用作认证信道来认证支付交易。向用户提供可用/合格认证通道的列表。用户选择一个认证通道，并向发行者通知该选择。发行方使用所选择的认证通道与用户进行通信并认证支付交易。

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