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    Systems and methods for dynamically detecting and preventing consumer fraud
    1.
    发明授权
    Systems and methods for dynamically detecting and preventing consumer fraud 有权

    公开(公告)号：US12260412B2

    公开(公告)日：2025-03-25

    申请号：US18535976

    申请日：2023-12-11

    Applicant: Blackhawk Network, Inc.

    Inventor： Henry Ivey ,  Rajiv Venkataramana Appana ,  Patrick Ramsey ,  Theodore Yeh

    IPC: G06Q20/00 ,  G06Q20/40 ,  G09C1/00

    Abstract: Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

    System and method for localized prepaid gift account program utilizing open loop network systems with local merchant approval and branding
    3.
    发明授权
    System and method for localized prepaid gift account program utilizing open loop network systems with local merchant approval and branding 有权

    公开(公告)号：US12169865B2

    公开(公告)日：2024-12-17

    申请号：US18208469

    申请日：2023-06-12

    Applicant: Blackhawk Network, Inc.

    Inventor： Jason Wolfe

    IPC: G06Q40/00

    Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

    Systems and methods for proxy card and/or wallet redemption card transactions
    4.
    发明授权
    Systems and methods for proxy card and/or wallet redemption card transactions 有权

    公开(公告)号：US12086791B2

    公开(公告)日：2024-09-10

    申请号：US17985407

    申请日：2022-11-11

    Applicant: Blackhawk Network, Inc.

    Inventor： Tomas Ariel Campos ,  Tushar Vaish ,  Pranav Sheth

    IPC: G06Q20/36 ,  G06K19/06 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q20/36 ,  G06K19/06206 ,  G06Q20/20 ,  G06Q20/351 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/4018

    Abstract: Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving anauthentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

    CLIENT CERTIFICATES TO COMMUNICATE TRUSTED INFORMATION
    5.
    发明公开
    CLIENT CERTIFICATES TO COMMUNICATE TRUSTED INFORMATION 审中-公开

    公开(公告)号：US20240187394A1

    公开(公告)日：2024-06-06

    申请号：US18402842

    申请日：2024-01-03

    Applicant: Blackhawk Network, Inc.

    Inventor： Derk Norton ,  Tushar Vaish ,  Jeff Webb

    IPC: H04L9/40

    CPC classification number: H04L63/0807 ,  H04L63/0823

    Abstract: A device comprises: a receiver configured to receive a client certificate; a processor coupled to the receiver and configured to: authenticate the client certificate, extract, in response to the authentication, attributes from the client certificate, and create, in response to the extraction, a message comprising reformatted attributes based on the attributes, wherein the reformatted attributes can be trusted; and a transmitter coupled to the processor and configured to transmit the message. A device comprises: a processor configured to: process a client certificate comprising a certificate identifier (ID) attribute, a tenant ID attribute, and a role ID attribute, and package the client certificate in a request for a shared service; and a transmitter coupled to the processor and configured to transmit the request.

    System and method for targeted marketing and consumer resource management
    9.
    发明授权
    System and method for targeted marketing and consumer resource management 有权

    公开(公告)号：US11532010B2

    公开(公告)日：2022-12-20

    申请号：US13670124

    申请日：2012-11-06

    Applicant: Blackhawk Network, Inc.

    Inventor： Mark E. Roberts ,  Jennifer K. Mathe ,  Khahn Nguyen

    IPC: G06Q30/02 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q20/34 ,  G06Q50/00

    Abstract: Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

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