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公开(公告)号：US12086293B2
公开(公告)日：2024-09-10
申请号：US18332202
申请日：2023-06-09
Applicant: TEXAS INSTRUMENTS INCORPORATED
Inventor： Gregory R. Conti
CPC classification number: G06F21/74 , G06F1/24 , G06F1/3287 , G06F21/52 , G06F21/53 , G06F21/567 , G06F21/81 , G06F2221/034 , G06F2221/2101 , G06F2221/2105 , G06F2221/2111 , G06F2221/2113 , G06F2221/2115 , G06F2221/2119 , G06F2221/2141 , G06F2221/2149 , G06F2221/2153 , H04L63/105 , H04L2463/102
Abstract: Disclosed embodiments relate to a system having a processor adapted to activate multiple security levels for the system and a monitoring device coupled to the processor and employing security rules pertaining to the multiple security levels. The monitoring device restricts usage of the system if the processor activates the security levels in a sequence contrary to the security rules.
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公开(公告)号：US12014371B2
公开(公告)日：2024-06-18
申请号：US16893893
申请日：2020-06-05
Applicant: Capital One Services, LLC
Inventor： Joshua Edwards , Abdelkader Benkreira , Michael Mossoba
IPC: G06Q20/40 , G01C21/20 , G06F16/909 , G06Q20/38 , G06Q30/018 , G06Q50/26 , G06V20/52 , G06V40/16 , H04L9/40 , G06F16/23
CPC classification number: G06Q20/4016 , G01C21/20 , G06F16/909 , G06Q20/4015 , G06Q30/0185 , G06Q50/265 , G06V20/52 , G06V40/16 , H04L63/107 , G06Q20/389 , G06Q20/405 , H04L63/08 , H04L2463/082 , H04L2463/102 , H04L2463/121
Abstract: Systems and methods for fraud detection and prevention is disclosed. The system may receive a transaction request for a first customer including a transaction location, transaction time stamp, and merchant type code. The system may determine whether the transaction location is expected for the first customer. When the transaction location is unexpected, the system may identify a last-known video detection having a last-known time stamp and last-known location. The system may determine a travel time estimate between the last-known location and the transaction location and determine a buffer based on the merchant type code. The system may compare the travel time estimate to an allotted time that includes a difference between the transaction time stamp and last-known time stamp less the buffer. When the travel time estimate exceeds the allotted time, the system may execute one or more fraud prevention steps.
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公开(公告)号：US12002051B2
公开(公告)日：2024-06-04
申请号：US18060327
申请日：2022-11-30
Applicant: CPC Patent Technologies Pty Ltd.
Inventor： Christopher John Burke
IPC: G06Q20/40 , G06Q20/32 , G06Q20/34 , G06V40/10 , G07C9/25 , G07C9/26 , G07F7/08 , H04L9/06 , H04L9/08 , H04L9/30 , H04L9/32 , G07C9/00
CPC classification number: G06Q20/40145 , G06Q20/3278 , G06Q20/352 , G06Q20/354 , G06V40/10 , G07C9/257 , G07F7/0893 , H04L9/0625 , H04L9/0631 , H04L9/0861 , H04L9/302 , H04L9/3231 , H04L9/3247 , G07C9/00182 , G07C9/00563 , G07C9/26 , H04L2209/56 , H04L2209/805 , H04L2463/102
Abstract: A transmitter for transmitting a secure access signal to a system for providing secure access to a controlled item is disclosed. The access is dependent on information contained in the secure access signal. The transmitter comprises a biometric sensor for receiving a biometric signal and a processor for matching the biometric signal against members of a database of biometric signatures. The transmitter comprises enabling means for enabling an inductive circuit, based on the matching of the biometric signal, to transmit the secure access signal conveying the information to the system upon the inductive circuit being placed within range of a radio frequency field emitted by the system.
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公开(公告)号：US12002048B1
公开(公告)日：2024-06-04
申请号：US17061968
申请日：2020-10-02
Applicant: Wells Fargo Bank, N.A.
Inventor： Alexander Zaharopoulos Hughes
CPC classification number: G06Q20/4014 , G06F21/31 , H04L63/08 , G06F2221/2103 , H04L2463/102
Abstract: An indication that a user wishes to conduct a bank transaction is received. An authentication path to be presented to the individual is pseudo-randomly determined. The authentication path comprises a combination of authentication challenges to be presented to the individual. A determination is made whether the user presented valid responses to the authentication challenges. The user is authenticated to conduct the bank transaction based on whether the user is determined to have presented valid responses to the authentication challenges.
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公开(公告)号：US20240089267A1
公开(公告)日：2024-03-14
申请号：US18143815
申请日：2023-05-05
Applicant: The 41st Parameter, Inc.
Inventor： Ori Eisen
IPC: H04L9/40 , G06Q30/0601
CPC classification number: H04L63/1408 , G06Q30/0609 , H04L63/1483 , H04L2463/102
Abstract: A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock of the computer used by the actual fraudulent use and the potentially fraudulent user and the clock of the server computer in conjunction with personal information and/or non-personal information, preferably the Browser ID.
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公开(公告)号：US20240078546A1
公开(公告)日：2024-03-07
申请号：US18317365
申请日：2023-05-15
Applicant: The 41st Parameter, Inc.
Inventor： David Britton , Ori Eisen , Raz Yalov
IPC: G06Q20/40 , G06Q10/0635
CPC classification number: G06Q20/40 , G06Q10/0635 , G06Q20/4016 , H04L2463/102 , H04M2203/6027
Abstract: The invention provides systems and methods for risk assessment using a variable risk engine. A method for risk assessment may comprise setting an amount of real-time risk analysis for an online transaction, performing the amount of real-time risk analysis based on the set amount, and performing an amount of time-delayed risk analysis. In some embodiments, the amount of real-time risk analysis may depend on a predetermined period of time for completion of the real-time risk analysis. In other embodiments, the amount of real-time risk analysis may depend on selected tests to be completed during the real-time risk analysis.
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公开(公告)号：US11895131B2
公开(公告)日：2024-02-06
申请号：US18051533
申请日：2022-11-01
Applicant: Allstate Insurance Company
Inventor： Jason D. Park , John S. Parkinson
CPC classification number: H04L63/1416 , G06F21/41 , G06F21/6245 , H04L63/1425 , H04L63/1433 , G06F2221/2101 , G06F2221/2117 , H04L63/101 , H04L2463/102
Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer in keeping track of a consumer's accounts in order to prevent unauthorized access or use of the consumer's identified subscriptions and financial accounts. The identified subscriptions and financial accounts may be displayed to the consumer along with recommendations and assistance for closing unused or unwanted financial accounts and subscriptions to prevent unauthorized access or use.
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公开(公告)号：US11875356B2
公开(公告)日：2024-01-16
申请号：US17941372
申请日：2022-09-09
Applicant: Mastercard International Incorporated
Inventor： Todd Christian Lowenberg , Rohit Chauhan
CPC classification number: G06Q20/4016 , H04L63/102 , H04L63/0428 , H04L2209/16 , H04L2209/56 , H04L2463/102
Abstract: A method for fraud modeling based on shared computing device usage includes: storing transaction data entries, each including a transaction date and/or time, account identifier, and device identifier associated with a computing device; receiving a transaction message for a payment transaction, the transaction message including a specific device identifier, primary account number, and additional transaction data; identifying transaction data entries where the included device identifier corresponds to the specific device identifier; determining a fraud risk rating based on a number of unique account identifiers included in the identified transaction data entries over a predetermined period of time; and transmitting the transaction message and the determined fraud risk rating to a financial institution associated with the primary account number.
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公开(公告)号：US11853987B2
公开(公告)日：2023-12-26
申请号：US16784804
申请日：2020-02-07
Applicant: Wayne Fueling Systems LLC
Inventor： Weiming Tang , Timothy M. Weston
CPC classification number: G06Q20/18 , G06Q20/20 , G06Q20/3823 , H04L63/045 , H04L63/0823 , H04L2463/102
Abstract: This disclosure provides various embodiments of systems and methods for secure communications. In one aspect, the system includes a secure payment module (SPM) in a fuel dispenser and a point-of-state (POS) system. The POS system stores a public key certificate uniquely identifying the SPM and is configured to dynamically generate a first session key. The POS system encrypts the first session key with a public key associated with the public key certificate, and transmits the encrypted first session key to the SPM. The SPM, which stores a private key associated with the public key certificate, is configured to receive and decrypt the first session key. The SPM is further configured to receive a set of magnetic card data from a card reader, encrypt the set of magnetic card data with the first session key, and transmit the encrypted set of magnetic card data to the POS system.
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10.发明授权
公开(公告)号：US11824971B2
公开(公告)日：2023-11-21
申请号：US15427439
申请日：2017-02-08
Applicant: Swiss Reinsurance Company Ltd.
Inventor： Cristian Mesiano , Pierluigi Fasano , Rene Turra
IPC: H04L9/08 , G06F21/60 , G06Q30/00 , H04L9/40 , G06Q40/08 , G06Q10/10 , G06Q20/38 , H04L9/00 , H04L9/14 , H04L9/30 , H04L9/32
CPC classification number: H04L9/0822 , G06F21/606 , G06Q10/10 , G06Q20/3829 , G06Q30/00 , G06Q40/08 , H04L9/006 , H04L9/0825 , H04L9/0866 , H04L9/14 , H04L9/3066 , H04L9/3263 , H04L63/0428 , H04L63/061 , G06F2221/0788 , G06Q2220/00 , H04L9/50 , H04L2209/56 , H04L2209/603 , H04L2463/102
Abstract: Aspects of the disclosure provides a secure key management and data transmission system that includes a transmission system, a data consumer network device, a user network device, and a data transmission network. The transmission management system is configured to receive user-specific data from the user network device via the data transmission network and receive a request for a service corresponding to processing the user-specific data according to a proprietary process provided by the data consumer network device. The transmission management system is also configured to generate service response data based on processing the user-specific data according to the proprietary process in response to the received request, encrypt the service response data to become single-encrypted service response data, transmit the single-encrypted service response data to the data consumer network device, and receive and store double-encrypted service response data from the user network device.
