The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 22, 2019
Filed:
Apr. 28, 2016
Visa International Service Association, San Francisco, CA (US);
Brendan Xavier Louis, Tracy, CA (US);
Craig O'Connell, San Mateo, CA (US);
Karl Newland, Pacifica, CA (US);
Douglas Fisher, Mountain View, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.