Systems and methods for authenticating online users

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12260411
APP PUB NO 20190392440A1
SERIAL NO

16448822

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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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.

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Patent Owner(s)

Patent OwnerAddress
MASTERCARD INTERNATIONAL INCORPORATED2000 PURCHASE STREET PURCHASE NY 10577-2509

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ederle, Robert Albert Chesterfield, US 7 41
Flory, Felix Johannes Wildwood, US 13 53
Gamiello, Dennis A Yorktown Heights, US 6 19
Gosset, Julia Sharon Tarrytown, US 6 49
Iyer, Ranjita Shankar Chappaqua, US 8 62
Merz, Christopher John Wildwood, US 47 277
Piel, Brian Ballwin, US 21 130

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