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1. 发明申请

US20150379515A1 SECURE AUTHENTICATION SYSTEM AND METHOD 审中-公开
标题翻译：安全认证系统和方法
公开(公告)号：US20150379515A1
公开(公告)日：2015-12-31
申请号：US14732294
申请日：2015-06-05
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

2. 发明申请

US20110196791A1 FRAUD REDUCTION SYSTEM FOR TRANSACTIONS 审中-公开
标题翻译：减免交易系统
公开(公告)号：US20110196791A1
公开(公告)日：2011-08-11
申请号：US12903916
申请日：2010-10-13
申请人： Benedicto Hernandez Dominguez
发明人： Benedicto Hernandez Dominguez
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/4016
摘要： A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions. The characteristics or indicia of fraud can be used to generate a set of fraud detection rules or another form of fraud assessment model. A proposed transaction can then be evaluated for potential fraud using the fraud assessment model.
摘要翻译：通过向发行者提供一个警告，即正在处理的用于授权的交易是潜在的欺诈性的，用于减少付款或其他交易中的欺诈的系统，装置和方法。在一些实施例中，本发明处理从在不存在卡（CNP）交易中使用的消费者认证过程获得的数据，以确定来自先前交易的欺诈的特征或标记。欺诈的特征或标记可用于产生一组欺诈检测规则或另一种形式的欺诈评估模型。然后，可以使用欺诈评估模型对拟议的交易进行潜在的欺诈评估。

3. 发明授权

US09105027B2 Verification of portable consumer device for secure services 有权
标题翻译：用于安全服务的便携式消费者设备的验证
公开(公告)号：US09105027B2
公开(公告)日：2015-08-11
申请号：US13107715
申请日：2011-05-13
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06F17/00 , G06Q20/42 , G06F21/34 , G06Q20/12 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06 , H04L9/08 , H04L9/32 , H04L29/06
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

4. 发明申请

US20120116976A1 VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES 有权
公开(公告)号：US20120116976A1
公开(公告)日：2012-05-10
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06Q20/40
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.

5. 发明申请

US20110119155A1 VERIFICATION OF PORTABLE CONSUMER DEVICES FOR 3-D SECURE SERVICES 审中-公开
标题翻译：验证三维安全服务的便利消费者设备
公开(公告)号：US20110119155A1
公开(公告)日：2011-05-19
申请号：US12939963
申请日：2010-11-04
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06Q30/00 , G06K5/00 , G06F7/04 , H04L9/32
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2107 , G06F2221/2129 , G06Q20/12 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , G06Q20/425 , G06Q30/0613 , G06Q30/0641 , H04L9/3234 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

6. 发明申请

US20180374152A1 Fraud Reduction System for Transactions 审中-公开
公开(公告)号：US20180374152A1
公开(公告)日：2018-12-27
申请号：US16115375
申请日：2018-08-28
申请人： Benedicto Hernandez Dominguez
发明人： Benedicto Hernandez Dominguez
IPC分类号： G06Q40/00 , G06Q20/40
CPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/4016
摘要： A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions. The characteristics or indicia of fraud can be used to generate a set of fraud detection rules or another form of fraud assessment model. A proposed transaction can then be evaluated for potential fraud using the fraud assessment model.

7. 发明申请

US20120018506A1 VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES 有权
标题翻译：验证三维安全服务的便利消费者设备
公开(公告)号：US20120018506A1
公开(公告)日：2012-01-26
申请号：US13107715
申请日：2011-05-13
申请人： Ayman Hammad , Patrick Faith , Krishma Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishma Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06F17/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

8. 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。

9. 发明授权

US10089683B2 Fraud reduction system for transactions 有权
公开(公告)号：US10089683B2
公开(公告)日：2018-10-02
申请号：US12903916
申请日：2010-10-13
申请人： Benedicto Hernandez Dominguez
发明人： Benedicto Hernandez Dominguez
IPC分类号： G06Q40/00 , G06Q20/40
摘要： A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions. The characteristics or indicia of fraud can be used to generate a set of fraud detection rules or another form of fraud assessment model. A proposed transaction can then be evaluated for potential fraud using the fraud assessment model.

10. 发明授权

US08313022B2 Verification of portable consumer device for 3-D secure services 有权
标题翻译：用于3-D安全服务的便携式消费者设备的验证
公开(公告)号：US08313022B2
公开(公告)日：2012-11-20
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06K5/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

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