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:
Mar. 25, 2025
Filed:
Jun. 21, 2019
Mastercard International Incorporated, Purchase, NY (US);
Robert Albert Ederle, Chesterfield, MO (US);
Julia Sharon Gosset, Tarrytown, NY (US);
Ranjita Shankar Iyer, Chappaqua, NY (US);
Brian Piel, Ballwin, MO (US);
Dennis A. Gamiello, Yorktown Heights, NY (US);
Christopher John Merz, Wildwood, MO (US);
Felix Johannes Flory, Wildwood, MO (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.