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. 23, 2024
Filed:
Dec. 17, 2018
Mastercard International Incorporated, Purchase, NY (US);
Brian Piel, Ballwin, MO (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
An adaptive authentication (AA) computer device used for improved payment transaction authentication services is provided. The AA computer device includes at least one processor in communication with at least one memory device and is configured to retrieve historical transaction data and authentication types for each historical transaction. The AA computer device is also configured to generate a model associating each of the authentication types with a corresponding set of values for transaction parameters. The AA computer device is further configured to receive pending transaction data including a cardholder identifier of a first cardholder, a merchant identifier, and a transaction amount. The AA computer device is further configured to determine an authentication type by applying the model to the transaction parameters derived from the pending transaction and transmit to the first cardholder an authentication request of the authentication type.