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. 16, 2024
Filed:
Jun. 21, 2019
Mastercard International Incorporated, Purchase, NY (US);
Julia Sharon Gosset, Tarrytown, NY (US);
Robert Albert Ederle, Chesterfield, MO (US);
Ranjita Shankar Iyer, Chappaqua, NY (US);
Brian Piel, Ballwin, MO (US);
Christopher John Merz, Wildwood, MO (US);
Felix Johannes Flory, Wildwood, MO (US);
Andres Gonzalez, Doral, FL (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
A computer-implemented method for authenticating an online user with an access control server (ACS) is provided. The method includes receiving, at a risk-based authentication enabled (RBA-enabled) directory server, an authentication request message including authentication data, extracting, using the RBA-enabled directory server, the authentication data from the authentication request message, transmitting the extracted authentication data to an RBA engine, generating, using the RBA engine, based at least in part on the extracted authentication data, RBA result data including a risk score, a risk analysis, and at least one reason code, transmitting the RBA result data to the RBA-enabled directory server, embedding, using the RBA-enabled directory server, the RBA result data into the authentication request message to generate an enhanced authentication request message, and transmitting the enhanced authentication request message to the ACS to enable the ACS to make an authentication decision based on the RBA result data.