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1.发明申请公开(公告)号：US20180204214A1
公开(公告)日：2018-07-19
申请号：US15919431
申请日：2018-03-13
发明人： Anurag Joshi , William A. Hodges , Brian E. DeLuca
CPC分类号： G06Q20/40 , G06Q20/18 , G06Q20/3221 , G06Q20/3223 , G06Q20/3224 , G06Q20/40145 , H04W4/80 , H04W12/06 , H04W76/40
摘要： Systems, methods, and computer-readable media are provided for authenticating transactions. An example first method includes steps performed by a server, comprising generating and storing a first identifier and sending the first identifier to a wireless beacon device associated with a transaction device over a network, receiving a transaction request comprising a proposed identifier and information related to a transaction, determining whether there is a match between the first identifier and the proposed identifier, and, based on a determination that there is a match, authorizing the transaction. An example second method includes steps performed by a user device, comprising displaying a user interface requesting information related to the transaction and receiving input comprising the information, polling, by the user device, for one or more wireless beacon devices and determining one or more identifiers associated with the wireless beacon devices, transmitting the one or more identifiers to a service provider device, and receiving information authorizing or declining the transaction.
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公开(公告)号：US20200005272A1
公开(公告)日：2020-01-02
申请号：US16569658
申请日：2019-09-12
发明人： Mohammed Zafar Iqbal , Kevin Rosengren , Max Doerfler , Brian DeLuca , Anurag Joshi , James Dillon , Richie Hollins , Jamie Warder , William A. Hodges , Ken Allen
摘要： The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.
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3.发明申请SYSTEMS AND METHODS FOR TRANSACTION AUTHENTICATION USING DYNAMIC WIRELESS BEACON DEVICES 审中-公开使用动态无线信标设备进行交易认证的系统和方法公开(公告)号：US20160342979A1
公开(公告)日：2016-11-24
申请号：US15229914
申请日：2016-08-05
发明人： Anurag Joshi , William A. Hodges , Brian E. DeLuca
CPC分类号： G06Q20/40 , G06Q20/18 , G06Q20/3221 , G06Q20/3223 , G06Q20/3224 , G06Q20/40145 , H04W4/80 , H04W12/06 , H04W76/40
摘要： Systems, methods, and computer-readable media are provided for authenticating transactions. An example first method includes steps performed by a server, comprising generating and storing a first identifier and sending the first identifier to a wireless beacon device associated with a transaction device over a network, receiving a transaction request comprising a proposed identifier and information related to a transaction, determining whether there is a match between the first identifier and the proposed identifier, and, based on a determination that there is a match, authorizing the transaction. An example second method includes steps performed by a user device, comprising displaying a user interface requesting information related to the transaction and receiving input comprising the information, polling, by the user device, for one or more wireless beacon devices and determining one or more identifiers associated with the wireless beacon devices, transmitting the one or more identifiers to a service provider device, and receiving information authorizing or declining the transaction.
摘要翻译： 提供系统，方法和计算机可读介质用于认证交易。 示例性的第一方法包括由服务器执行的步骤，包括生成和存储第一标识符并且通过网络将第一标识符发送到与交易设备相关联的无线信标设备，接收包括所提出的标识符的交易请求和与 确定是否存在第一标识符和所提出的标识符之间的匹配，并且基于确定存在匹配，授权交易。 示例性第二方法包括由用户设备执行的步骤，包括显示请求与事务相关的信息的用户界面，以及接收包括信息的输入，由用户设备轮询一个或多个无线信标设备，并确定一个或多个标识符 与所述无线信标设备相关联，将所述一个或多个标识符发送到服务提供商设备，以及接收授权或拒绝所述交易的信息。
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公开(公告)号：US11829988B2
公开(公告)日：2023-11-28
申请号：US17343241
申请日：2021-06-09
发明人： Mohammed Zafar Iqbal , Kevin Rosengren , Max Doerfler , Brian Deluca , Anurag Joshi , James Dillon , Richie Hollins , Jamie Warder , William A Hodges , Ken Allen
CPC分类号： G06Q20/3223 , G06Q20/18 , G06Q20/3221 , G06Q20/3224 , G06Q20/40145
摘要： The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.
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公开(公告)号：US20210295304A1
公开(公告)日：2021-09-23
申请号：US17343241
申请日：2021-06-09
发明人： Mohammed Zafar Iqbal , Kevin Rosengren , Max Doerfler , Brian Deluca , Anurag Joshi , James Dillon , Richie Hollins , Jamie Warder , William A. Hodges , Ken Allen
摘要： The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.
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