公开(公告)号：US20250094573A1

公开(公告)日：2025-03-20

申请号：US18469314

申请日：2023-09-18

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： James YANG ,  Cynthia DIONISIO ,  Srikanth Nageshwar Rao SISTA ,  Jose RODRIGUES ,  Shalini SHANMUGASUNDARAM

IPC: G06F21/55

Abstract: A system may receive, from a monitored system, behavior data that indicates one or more types of computer activities requested by a requester. The system may identify a behavior profile that was generated during a training phase to learn behaviors of the requester, the behavior profile including information that identifies one or more computer activities that were monitored during the training phase. The system may provide, during a detection phase, the behavior data to the behavior classifier to detect whether the behavior data is anomalous. The system may generate an anomaly classification based on the behavior data and the behavior profile. The anomaly classification indicates a predicted anomalousness of the behavior data with respect to the behavior profile and is used to determine whether a mitigative action is to be taken in response to the one or more types of activities requested by the requester.

公开(公告)号：US12223516B2

公开(公告)日：2025-02-11

申请号：US16804725

申请日：2020-02-28

Applicant: Mastercard Technologies Canada ULC

Inventor： John Hearty ,  Anton Laptiev ,  Hanhan Wu ,  Carrie Ka Lai Cheung ,  Igor Opushnyev ,  Sik Suen Chan ,  Parin Prashant Shah

IPC: G06Q30/018 ,  G06F11/30 ,  G06F11/34 ,  G06F21/31 ,  G06F21/55 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q40/03 ,  G06Q50/26 ,  H04L9/40 ,  H04L67/50

Abstract: A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled and whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data, determine a fraud risk score of the online application based on the multi-page input data and an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control a client server to approve, hold, or deny the online application based on the fraud risk score that is determined.

公开(公告)号：US20240354645A1

公开(公告)日：2024-10-24

申请号：US18637643

申请日：2024-04-17

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Sik Suen Chan ,  Yiqian Liu ,  Nikolay Shenkov ,  Carrie Ka Lai Cheung

IPC: G06N20/00 ,  G06N5/01

CPC classification number: G06N20/00 ,  G06N5/01

Abstract: Systems, methods, and non-transitory computer-readable media for creating labels for training a machine learning model using a limited dataset. A label creation application receives raw data from a storage device. The raw data includes requests associated with user accounts. The application determines an account type of each of the user accounts. The application generates a raw data set based on account types, requests, and user accounts. The application cleans the raw data set using client feedback data. The feedback data is the limited dataset that includes fraud events associated with user accounts identified by a client. The application extracts a request history for a user account from the raw data that is cleaned. The application generates a training profile for the user account based on the request history. The application creates training labels based on the training profile, and the model is trained by processing the created labels.

公开(公告)号：US12034562B2

公开(公告)日：2024-07-09

申请号：US17564371

申请日：2021-12-29

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Christopher Bailey ,  John Hearty ,  Ryan Brough ,  Robert W. Capps, II ,  David J. Senci

IPC: H04L12/28

CPC classification number: H04L12/282 ,  H04L12/281 ,  H04L12/2838 ,  H04L2012/285

Abstract: Embodiment described herein provide a system for authenticating an identity of a user. The system includes a first device, a second device, a user device, and a remote computing device. The first device, the second device, and the user device are connected to and operable to communicate over the first communications network. The user device is connected to and operable to communicate over a second communications network. The user device is configured to detect the first device or the second device when the first device or the second device is connected the first communications network, and to generate one or more signals related to the detection of the first device or the second device. The remote computing device is configured to receive the one or more signals from the user device and authenticate the identity of the user based on the one or more signals.

公开(公告)号：US20240223559A1

公开(公告)日：2024-07-04

申请号：US18400805

申请日：2023-12-29

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Perry McGee

IPC: H04L9/40 ,  H04L65/1069

CPC classification number: H04L63/0884 ,  H04L65/1069

Abstract: Devices, methods, and computer-readable media that perform sessions correlation for multiple device authentication. In one embodiment, a server may include an electronic processor communicatively coupled to the memory, the electronic processor is configured to: establish a first session with a first user interface device, establish a second session with a second user interface device that is different from the first user interface device, receive, from a third-party server, a score request including information that correlates the second session with the first session, generate a score on a correlation of the first session to the second session, and output the score indicating a level of multiple device authentication, the score also being a control signal for authorizing or denying a multi-factor authentication at the third-party server.

公开(公告)号：US20240220593A1

公开(公告)日：2024-07-04

申请号：US18148900

申请日：2022-12-30

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Sik Suen Chan ,  Perry McGee

IPC: G06F21/32 ,  G06F40/174

CPC classification number: G06F21/32 ,  G06F40/174

Abstract: Devices, methods, and non-transitory computer-readable media for user authentication with biometric data in conjunction with autofill assistance. In one example, an electronic computing device includes a memory including a user account and an electronic processor communicatively coupled to the memory. The electronic processor is configured to receive a request to access the user account and biometric data associated with the request, determine whether an autofill assistance occurred while the biometric data was captured, responsive to determining that the autofill assistance occurred while the biometric data was captured, identify data associated with the autofill assistance in the biometric data, generate second biometric data by excluding the data associated with the autofill assistance from the biometric data, and perform user authentication based on the second biometric data.

公开(公告)号：US11727406B2

公开(公告)日：2023-08-15

申请号：US16988142

申请日：2020-08-07

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： John Hearty ,  Anton Laptiev ,  Parin Prashant Shah ,  Sik Suen Chan ,  Hanhan Wu

IPC: G06Q20/40 ,  G06N20/00

CPC classification number: G06Q20/4016 ,  G06N20/00

Abstract: A system for determining a fraud risk score associated with a transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a plurality of rules based on a plurality of transactions over time and extract one or more features of the transaction. The electronic processor is also configured to select, based on the plurality of rules, a plurality of fraud risk features Each non-categorical fraud risk feature selected is associated with a fraud risk feature value and each categorical fraud risk feature selected is associated with a categorical variable value. The electronic processor is configured to determine, for each categorical fraud risk feature, a fraud risk feature value. The electronic processor is also configured to determine the fraud risk score based on the one or more of the transformed fraud risk feature values.

公开(公告)号：US20230198966A1

公开(公告)日：2023-06-22

申请号：US17559720

申请日：2021-12-22

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Igor Opushnyev

IPC: H04L9/40 ,  H04L9/08 ,  G06F21/60 ,  G06Q20/40 ,  G16Y30/10

CPC classification number: H04L63/0435 ,  H04L9/0872 ,  G06F21/602 ,  H04L9/085 ,  H04L9/0894 ,  G06Q20/401 ,  G16Y30/10 ,  G06Q2220/00

Abstract: Protecting sensitive data in an internet-of-things (IoT) device. In one embodiment, a computing device includes network communications, a memory, and an electronic processor communicatively coupled to the memory and the network communications. The electronic processor is configured to receive a transaction setup request, determine, with the network communications, whether minimally required network environment attributes are available, prompt a user that sensitive data can be securely stored in the memory and to enter the sensitive data in response to determining that the minimally required network environment attributes are available, and prompt the user that the sensitive data cannot be securely stored in the memory in response to determining that the minimally required network environment attributes are not available.

公开(公告)号：US11645389B2

公开(公告)日：2023-05-09

申请号：US16567148

申请日：2019-09-11

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Yi Wei Tseng ,  Randy Lukashuk ,  Perry McGee ,  Amiran Gigiberia ,  Andrew Giblin ,  Kenny Wan ,  Andrian Sevastyanov

IPC: G06F21/55 ,  G06F8/51 ,  G06Q30/00 ,  G06F21/56 ,  G06Q30/018

CPC classification number: G06F21/564 ,  G06F8/51 ,  G06F21/554 ,  G06F21/561 ,  G06Q30/0185

Abstract: Systems, methods, devices, and computer readable media related to fraud detection. Fraud detection is achieved using a flexible scripting language and syntax that simplifies the generation of fraud detection rules. The rules are structured as conditional IF-THEN statements that include data objects referred to as Anchors and Add-Ons. The Anchors and Add-Ons used to generate the rules also correspond to a distinct data path for the retrieval data from any of a variety of data sources. The retrieval of data from the various data sources is optimized based on data dependencies within the rules. By knowing the data dependencies of each rule and utilizing parallelization of rule execution, the retrievals of data from the data sources is achieved efficiently so the rules can be executed quickly.

公开(公告)号：US20230052407A1

公开(公告)日：2023-02-16

申请号：US17401172

申请日：2021-08-12

Applicant: Mastercard Technologies Canada ULC

Inventor： Jonathan McGrandle ,  Roshan Lewis ,  David J. Senci

IPC: G06F21/31 ,  G06Q20/34 ,  G06Q20/24

Abstract: A computer device configured to passively authenticate a user includes a memory device including a user profile, and at least one processor coupled to the memory device. The at least one processor is programmed to execute a passive authentication system programmed to receive an indication that the user successfully performed an active authentication by interacting with the computing device, and set an authentication state of the user as authenticated in response to the successful active authentication. The passive authentication system is further programmed to receive a first plurality of interaction data indicative of one or more interactions between the user and the computer device, the one or more interactions performed after the indication of the successful active authentication; compare the one or more interactions to the user profile; and update the authentication state of the user based on the comparison.