The 41st Parameter, Inc.

Trusona, Inc.

The 41st Paramter, Inc.

Ori Eisen

Raz Yalov

Nikolas Mangu-Thitu

Clayton Lengel-Zigich

David Michael Kopack

David Britton

Stephen George Pandich

Steve Pandich

Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository.

Systems and methods for accessing records via derivative locators

The invention provides one or more consortia of networks that identify and share information about users and/or user devices interacting with the consortia. User devices may be identified, at least in part, by tag-based computer information. Computers and other devices accessing the Web carry device tags with date and time information describing when they were issued by a security tag server. A server time stamp may be inserted into time based computer tags such as a cookies indicating when they were created. Such time stamp information can be encrypted and analyzed during future attempts to access a secure network such as a customer attempting to log into an online banking account. When the time stamp information from the tag is compared to other selected information about the user, device and/or account, including but not limited to last account log-in date/time or account creation date, the invention may be used to detect suspicious activity. The invention may be use for identity-based applications such as network security, the detection of fraudulent transactions, identity theft, reputation-based communities, and law enforcement.

Systems and methods of sharing information through a tag-based consortium

The invention provides methods and apparatus for detecting when an online session is compromised. A plurality of device fingerprints may be collected from a user computer that is associated with a designated Session ID. A server may include pages that are delivered to a user for viewing in a browser at which time device fingerprints and Session ID information are collected. By collecting device fingerprints and session information at several locations among the pages delivered by the server throughout an online session, and not only one time or at log-in, a comparison between the fingerprints in association with a Session ID can identify the likelihood of session tampering and man-in-the middle attacks.

Systems and methods for detection of session tampering and fraud prevention

The invention provides methods and apparatus for securing personalized or sensitive information appearing in digital images. Digital images containing information to be secured is processed and divided into a plurality of image cells. At least one image cell from the plurality of image cells is selected and redacted or altered to render the information to be secured with the selected image cells in decipherable. The invention also provide method and apparatus for transmitting or streaming unredacted image cells alone or in combination with redacted image cell for secured viewing on a user browser or computer.

Methods and apparatus for securely displaying digital images

Systems and methods are provided for persistent cross-application mobile device identification. A mobile device may have a plurality of sandboxes in memory containing applications. The mobile device may have a shared storage which may accessible by applications from different sandboxes. A storage location identifier may be used to access information in shared storage. A universal device identifier may be stored in the shared storage to identify the mobile device and may be accessible by multiple applications and updates to applications. The universal device identifier may be used to track the mobile device for advertising, fraud detection, reputation tracking, or other purposes.

Methods and systems for persistent cross-application mobile device identification

Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer's device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository.

The invention provides one or more consortia of networks that identify and share information about users and/or user devices interacting with the consortia. User devices may be identified, at least in part, by a delta of time parameter between a user device used and a reference time. Other parameters may be analyzed to identify a computer user and/or device and noteworthy transactions. The invention may be used for identity-based applications such as network security, the detection of fraudulent transactions, identity theft, ratings-based communities and law enforcement. User may be permitted to register user devices in order to control access for performing transactions.

Systems and methods of global identification

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.

Method and system for identifying users and detecting fraud by use of the internet

A method for authenticating an online transaction or a log-in process is provided. The method comprises: receiving image data of a visual graphical barcode from a user device, and the visual graphical barcode is configured to be displayed on an unauthenticated device for conducting the online transaction; analyzing the image data to obtain a transaction validation identifier (ID); comparing the transaction validation ID to a pre-stored validation ID; comparing a first set of collection data from the user device to a second set of collection data that is pre-stored; and determining whether to approve or reject the online transaction based on (1) a match between the transaction validation ID and the pre-stored validation ID, and (2) a match between the first set of collection data and the second set of collection data that is pre-stored.

Systems and methods for user identification using graphical barcode and payment card authentication read data

Systems and methods for authenticating a user are provided. A method may comprise providing interactive media on a computing device associated with a user. The interactive media may comprise a plurality of images. The plurality of images may be presented on a graphical display of the computing device. The method may also comprise receiving input data from the computing device when the user selects a sequence of images from the plurality of images on the graphical display of the computing device. The selected sequence of images may correspond to a sequence of grammatical words. The method may further comprise analyzing the input data by comparing the sequence of grammatical words to a passcode, and authenticating the user when the sequence of grammatical words is equal to the passcode.

Image-based authentication systems and methods

The invention provides methods and apparatus for securing personalized or sensitive information appearing in digital images. Digital images containing information to be secured is processed and divided into a plurality of image cells. At least one image cell from the plurality of image cells is selected and redacted or altered to render the information to be secured with the selected image cells indecipherable. The invention also provides methods and apparatus for transmitting or streaming unredacted image cells alone or in combination with redacted image cells for secured viewing on a user browser or computer.

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Scottsdale, AZ, United States of America

Ori Eisen