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1. 发明授权

US10755277B2 Systems and methods for secure debit payment 有权
公开(公告)号：US10755277B2
公开(公告)日：2020-08-25
申请号：US14326357
申请日：2014-07-08
申请人： VERIENT INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q40/00 , G06Q20/40 , G07F7/10 , G06Q20/34 , G06Q20/10 , G06Q20/26
摘要： A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.

2. 发明授权

US10755268B2 Apparatus and methods for payment transactions using near field communication 有权
公开(公告)号：US10755268B2
公开(公告)日：2020-08-25
申请号：US13651219
申请日：2012-10-12
申请人： VERIENT INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q20/38 , H04B5/00 , G06Q20/32 , G06Q20/34 , G06Q20/40
摘要： In one embodiment, a mobile device includes an NFC tag for near field communication. The NFC tag may include a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by a NFC reader device. Prior to a transaction, the personal data is transmitted from the first storage device to the second storage device, where the data is readable or accessible by the reader device. After transmission of the data to the reader device, the data on the second storage is erased. In one embodiment, the data remains stored in the first storage device and available for future use. In another embodiment, the data comprises financial product data.

3. 发明授权

US10740843B2 Systems and methods for controlling payment processing 有权
公开(公告)号：US10740843B2
公开(公告)日：2020-08-11
申请号：US15681298
申请日：2017-08-18
申请人： VERIENT INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q40/06 , G06Q20/10 , G06Q40/00
摘要： A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.

4. 发明授权

US09426134B2 Method and systems for the authentication of a user 有权
标题翻译：用户认证的方法和系统
公开(公告)号：US09426134B2
公开(公告)日：2016-08-23
申请号：US14165179
申请日：2014-01-27
申请人： VERIENT, INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q20/02 , G06Q20/12 , H04L9/08 , H04L9/32 , H04L29/06
CPC分类号： H04L63/08 , G06Q20/02 , G06Q20/12 , H04L9/0816 , H04L9/0869 , H04L9/321 , H04L9/3226 , H04L63/0876 , H04L2209/56
摘要： A computer security system used to identify and authenticate a user. In one aspect, a method for identifying and authenticating a user is provided. The method includes establishing a trust between a server machine and an agent on a user machine. The method further includes establishing a session key to encrypt communications between the server machine and the agent. The method also includes receiving a username and password for use in validating the user. Additionally, the method includes creating an executable binary for the extraction of device data from the user machine to uniquely identify the machine. In another aspect, a computer-readable medium including a set of instructions that when executed by a processor causes the processor to identify and authenticate the user is provided. In a further aspect, a system for identifying and authenticating a user is provided.
摘要翻译：用于识别和认证用户的计算机安全系统。一方面，提供了一种用于识别和认证用户的方法。该方法包括在用户机器上建立服务器机器和代理之间的信任。该方法还包括建立会话密钥以加密服务器机器和代理之间的通信。该方法还包括接收用于验证用户的用户名和密码。此外，该方法包括创建用于从用户机器提取设备数据以唯一地识别机器的可执行二进制文件。在另一方面，一种包括一组指令的计算机可读介质，其在由处理器执行时使处理器识别和验证用户。在另一方面，提供了一种用于识别和认证用户的系统。

5. 发明授权

US11651356B2 Apparatus and methods for payment transactions using near field communication 有权
公开(公告)号：US11651356B2
公开(公告)日：2023-05-16
申请号：US17001651
申请日：2020-08-24
申请人： VERIENT, INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q20/38 , G06Q20/22 , G06Q20/34 , G06Q20/40 , G06Q20/32 , H04B5/00
CPC分类号： G06Q20/382 , G06Q20/2295 , G06Q20/3278 , G06Q20/352 , G06Q20/405 , H04B5/0031
摘要： In various embodiments, the mobile device includes an NFC tag for near-field communication. The NFC tag includes a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by an NFC reader device. Prior to a transaction, the personal data is transmitted from the first storage device to the second storage device, where the data is readable or accessible by the reader device. In one embodiment, the data remains stored in the first storage device and available for future use. In another embodiment, the data comprises financial product data.

6. 发明授权

US11481764B2 Apparatus and methods for payment transactions using near field communication 有权
公开(公告)号：US11481764B2
公开(公告)日：2022-10-25
申请号：US17001645
申请日：2020-08-24
申请人： VERIENT, INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q20/38 , G06Q20/32 , G06Q20/34 , G06Q20/40 , G06Q20/22 , H04B5/00
摘要： In various embodiments, the mobile device includes an NFC tag for near-field communication. The NFC tag includes a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by an NFC reader device. Prior to a transaction, a controller detects electromagnetic energy from a reader devices and transmits the personal data from the first storage device to the second storage device, where the personal data is readable or accessible by the reader device.

7. 发明授权

US10915880B2 System and method for distributed payment products 有权
公开(公告)号：US10915880B2
公开(公告)日：2021-02-09
申请号：US15960223
申请日：2018-04-23
申请人： Verient Inc.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q30/00 , G06Q20/22 , G06Q20/04 , G06Q20/10 , G06Q20/34 , G06Q30/02 , G06Q30/06 , G06Q40/02
摘要： A method for generating and distributing a plurality of financial child products to a group of recipients that can then be used for payment transactions by each recipient. The method includes receiving a selection of a core account that provides financial backing for the financial child products, and receiving a list of recipients that defines the group of recipients to which the financial child products are distributed. The method further includes generating the financial child products, where each financial child product is structured with one or more control parameters that define user restrictions for the financial child product, and causing the financial child products to be distributed to at least one recipient included in the list of recipients. Advantageously, since creating, distributing, and redeeming of the financial child products is performed using existing legacy networks, financial institutions only need to minimally modify legacy payment processing infrastructure to support these distributed payment products.

8. 发明授权

US10255597B2 System and method for automatically filling webpage fields 有权
公开(公告)号：US10255597B2
公开(公告)日：2019-04-09
申请号：US15187666
申请日：2016-06-20
申请人： VERIENT, INC.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q40/00 , G06Q20/34 , G07F17/32 , G06Q20/10 , G06Q20/12 , G06Q20/40 , H04L29/08
摘要： A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the child product. The child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.

9. 发明申请

US20180240105A1 SYSTEM AND METHOD FOR DISTRIBUTED PAYMENT PRODUCTS 审中-公开
公开(公告)号：US20180240105A1
公开(公告)日：2018-08-23
申请号：US15960223
申请日：2018-04-23
申请人： Verient Inc.
发明人： Rajesh G. Shakkarwar
IPC分类号： G06Q20/34 , G06Q30/02 , G06Q40/02 , G06Q20/10 , G06Q20/22 , G06Q30/06 , G06Q20/04
CPC分类号： G06Q20/35785 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/227 , G06Q20/355 , G06Q20/3572 , G06Q30/02 , G06Q30/0235 , G06Q30/06 , G06Q40/02
摘要： A method for generating and distributing a plurality of financial child products to a group of recipients that can then be used for payment transactions by each recipient. The method includes receiving a selection of a core account that provides financial backing for the financial child products, and receiving a list of recipients that defines the group of recipients to which the financial child products are distributed. The method further includes generating the financial child products, where each financial child product is structured with one or more control parameters that define user restrictions for the financial child product, and causing the financial child products to be distributed to at least one recipient included in the list of recipients. Advantageously, since creating, distributing, and redeeming of the financial child products is performed using existing legacy networks, financial institutions only need to minimally modify legacy payment processing infrastructure to support these distributed payment products.

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