Visa International Service Association

Visa U.s.a. Inc.

Deep Labs Inc.

Other

Bank of America Corporation

Patrick L Faith

Ayman A Hammad

Mark Andrew Carlson

Theodore David Harris

Kevin Paul Siegel

Ben Rewis

Krishna Prasad Koganti

Scott Edington

Kevin D Weller

Surendra Keshan

Kris Koganti

Patrick Stan

Belva J Bruesewitz

Barbara Elizabeth Patterson

Benedicto Dominguez

Patrick Gauthier

Khalid El-Awady

Brian Maw

Brendan Xavier Louis

Kim Steele

Christian Aabye

Craig O'Connell

Phillip Kumnick

Jagdeep Singh Sahota

Edward Katzin

Nancy Hilgers

Jennifer A Schulz

Craig M Kato

Xiaoli Li

Xiang Fang

Philip Dixon

Mike Lindelsee

Olivier Brand

Shalini Mayor

John Tullis

Joseph J Mirizzi

Lauren White

Krishan Prasad Koganti

Matthew Quinlan

Ashwin Raj

Thomas Purves

Steven Michael Twombly

Igor V Karpenko

Saurav Chatterjee

Phil Dixon

Diane C Salmon

Michael Kenji Mori

Stacy Sweeney Pourfallah

Duane Matthew Cash

Peter Ciurea

Tenni Theurer

Julian Hua

Shipra Jha

Shaw Li

Lori D Van Deloo

Prakash Hariramani

Cesar Otero

Abhinav Shrivastava

Sebastian Badea

Susan French

Vanita Pandey

Miroslav Gavrilov

Gregory Kenneth Storey

Andrew Beck

Catherine A Basch

Theodore P Washburne

Victoria Graham

Mike Yakel

Amit Bhargava

Ben Pfisterer

Benjamin Rewis

Zhongxiao Jiang

Judson Reed

Jeffrey Gill

Krishna (Kris) Prasad Koganti

Jiri Novak

Karen Windus

Maria-Elena Carlson

The present disclosure relates to systems and methods for generating a persona and detecting anomalies using a hash tree. In one implementation, the system may include one or more memories storing instructions and one or more processors configured to execute the instructions. The instructions may include instructions to receive a plurality of data structures related to an individual, convert the data structures into a plurality of Bayesian wavelets, group the Bayesian wavelets into a tree structure, using transitions between the Bayesian wavelets within the tree structure, generate a plurality of Markovian wavelets representing the transitions, replace one or more of the Bayesian wavelets with hashes, and output the tree structure as a persona representing the individual. The instructions may also include training a neural network.

Systems and methods for generating hash trees and using neural networks to process the same

A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

System and method for secured account numbers in wireless devices

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Consumer authentication system and method

In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

Device including encrypted data for expiration date and verification value creation

There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

Powering financial transaction token with onboard power source

Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

Transaction authentication using network

A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.

Local usage of electronic tokens in a transaction processing system

System and method for secured account numbers in proximily devices

A system and method of interaction with beacons to execute a multiple layer authenticated transaction process including receiving a signal from the beacon, analyzing a relative signal strength of the beacon, enabling a portable computer device to complete the digital transaction based on the proximity of the portable computer device to an item for purchase. A first user verification input is additionally received via the portable computer system. In response to the first user verification, receiving a verification signal.

System and method for beacon based navigation to offer based transactions and beacon based digital transactions with multiple layer authentication

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.

Secure authentication system and method

The present disclosure relates to systems and methods for creating and using personas. The method includes receiving a first set of input signals associated with data from one or more source; receiving a second set of input signals associated with data from one or more source; converting the first set of input signals and the second set of input signals to a wavelet; constructing a persona based on the wavelet; storing the persona in a ledger; receiving a request for a decision related to a transaction; converting the request to a new wavelet; determining a difference between the new wavelet and the stored persona; generating a score based on the difference; and authorizing the transaction based on the score.

Systems and methods for analyses and action approvals using a ledger

A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

On-line authorization in access environment

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

Cardless challenge systems and methods

Growing community of inventors

Pleasanton, CA, United States of America

Patrick L Faith