Cybersource Corporation

Other

Thomas A Arnold

John W Pettit

William Alfred Wright

Michael W Lewis

Frank M King

John Philip Pettitt

Robert Lincoln Lewis, Jr

Jesse Noel Rendleman, Jr

Michael Reiter

A device to encourage hand washing which provides visual feedback to a user who can control a video game, blow bubbles, or view other visual feedback device while washing their hands. The device in one mode features at least one controller configured to operate when wet or continually doused with water while the user is washing their hands. The user may view a video or other means for visual interaction while washing their hands, and control a portion of the display with the controller. A video game or the like may thus be played by washing their hands thereby providing user encouragement to wash their hands. In a hand powered mode of the device, a compressible shell is employed to blow bubbles while squeezed and concurrently washing the user's hands. The controller or the shell may be employed with components providing a dermabrasive action against the palm of the user.

Apparatus and method for encouraging hand washing

Evaluating fraud risk in a transaction between consumer and a merchant over a network is disclosed. The merchant requests service over the network using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned to the merchant. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used to examine numerous factors to calculate fraud risk. A risk score is generated and compared to the merchant's specified risk threshold. The result is returned to the merchant for order disposition.

Method and apparatus for generating a bi-gram score in fraud risk analysis

A technique for evaluating fraud risk in e-commerce transactions between consumer and a merchant is disclosed. The merchant requests service from the system using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used. The system performs analysis including data integrity checks and correlation analyses based on characteristics of the transaction. Other analysis includes comparison of the current transaction against known fraudulent transactions, and a search of a transaction history database to identify abnormal patterns, name and address changes, and defrauders. In one alternative, scoring algorithms are refined through use of a closed-loop risk modeling process enabling the service to adapt to new or changing fraud patterns.

Method and apparatus for evaluating fraud risk in an electronic commerce transaction

A system and method for delivering a digital product electronically is disclosed. The system and method comprises providing an electronic license certificate (ELC) from an end-user to a server and then validating the ELC by the server. Finally, the method and system includes sending the digital product from the server to the user based upon validation of the electronic license certificate by the server. Accordingly, a digital product delivery system that is based on the concept of an active license (AL) which contains a plurality of active license objects (ALPOs) is disclosed. An ALPO is a software program that contains a digitally signed certificate document that may entitle the holder to receive, possess, and use a specific product. In essence, this certificate is a software application program that contains three major components: an electronic license certificate (ELC), a certificate viewer, and application functions to perform operations as granted by the license certificate, for example, retrieving and installing digital products.

Method and system for delivering digital products electronically

A system and method for delivering a digital product electronically is disclosed. The system and method comprises providing an electronic license certificate (ELC) from an enduser to a server and then validating the ELC by the server. Finally, the method and system includes sending the digital product from the server to the user based upon validation of the electronic license certificate by the server. Accordingly, a digital product delivery system that is based on the concept of an active license (AL) which contains a plurality of active license objects (ALPOs) is disclosed. An ALPO is a software program that contains a digitally signed certificate document that may entitle the holder to receive, possess, and use a specific product. In essence, this certificate is a software application program that contains three major components: an electronic license certificate (ELC), a certificate viewer, and application functions to perform operations as granted by the license certificate, for example, retrieving and installing digital products.

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Poway, CA, United States of America

Thomas A Arnold