公开(公告)号：US20200280578A1

公开(公告)日：2020-09-03

申请号：US16804731

申请日：2020-02-28

Applicant: Mastercard Technologies Canada ULC

Inventor： John Hearty ,  Anton Laptiev ,  Christopher Bailey ,  Hanhan Wu ,  Igor Opushnyev ,  Sik Suen Chan ,  Randy Lukashuk

IPC: H04L29/06 ,  H04L29/08

Abstract: A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes a feature drift hardened online application origination (OAO) service. When executing the feature drift hardened OAO service, the electronic processor is configured to detect, with respect to a first OAO model, feature drift in a dataset of an online application that exceeds a predefined threshold, generate one or more feature drift hardened OAO models that mitigate the feature drift, determine a fraud score of the online application based on the one or more feature drift hardened OAO models 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 mitigates the feature drift, and control a client server to approve, hold, or deny the online application based on the fraud score.

公开(公告)号：US11388160B2

公开(公告)日：2022-07-12

申请号：US16592354

申请日：2019-10-03

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： John Hearty ,  Hanhan Wu ,  Randy Lukashuk ,  Anton Laptiev ,  Jake Madison ,  Christopher Bailey ,  Igor Opushnyev ,  Parin Prashant Shah ,  Sik Suen Chan

IPC: G06F17/18 ,  H04L9/40

Abstract: An account recommendation system that includes a server. The server is operable to identify a user account based on a server-side persistent device identification. The server includes a processor and a memory. The server is configured to receive a request including one or more attributes related to a client device, identify the server-side persistent device identification (“PDI”) record for the client device based on the one or more attributes of the client device, identify one or more candidate accounts based on the server-side persistent device identification, determine confidence scores for each of the one or more candidate accounts, generate a recommendation signal for the user account associated with the client device based on the confidence scores, and transmit the recommendation signal to a merchant server.

公开(公告)号：US10749884B2

公开(公告)日：2020-08-18

申请号：US16232789

申请日：2018-12-26

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Christopher Everett Bailey ,  Randy Lukashuk ,  Gary Wayne Richardson

IPC: H04L29/06 ,  G06F16/28 ,  G06F16/22 ,  G06F16/9535 ,  G06F16/2457 ,  G06F21/44 ,  G06F21/31 ,  G06F21/32 ,  H04L29/08 ,  H04L12/24 ,  G06F21/60 ,  G06F7/08 ,  H04L12/26 ,  G06F21/55

Abstract: Techniques for ascertaining legitimacy of communications received during a digital interaction with a client device. The techniques include: receiving a communication; identifying from the communication a first secured token; processing the first secured token by: obtaining, from the first secured token, information indicating a state of the digital interaction; and using the information indicating the state to determine whether the communication is from the client device; and when it is determined that the communication is from the client device, causing at least one action responsive to the communication to be performed; updating the information indicating the state of the digital interaction to obtain updated information indicating the state of the digital interaction; and providing a second secured token to the client device for use in a subsequent communication during the digital interaction, the second secured token comprising the updated information indicating the state of the digital interaction.

公开(公告)号：US20200082413A1

公开(公告)日：2020-03-12

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: G06Q30/00

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：US10129279B2

公开(公告)日：2018-11-13

申请号：US15256607

申请日：2016-09-04

Applicant: Mastercard Technologies Canada ULC

Inventor： Christopher Everett Bailey ,  Randy Lukashuk ,  Gary Wayne Richardson

IPC: H04L29/06 ,  H04L29/08 ,  G06F17/30 ,  H04L12/24 ,  G06F21/60 ,  G06F7/08 ,  H04L12/26 ,  G06F21/44 ,  G06F21/55

Abstract: Techniques for detecting application program spoofing. The techniques include: receiving a communication from an application program executing on a client device different from the at least one computer; identifying from the communication an asserted identity of the application program; and verifying the asserted identity of the application program at least in part by: interacting with the client device to obtain additional information about the application program, and determining whether the additional information about the application program is consistent with the asserted identity of the application program.

公开(公告)号：US10127373B1

公开(公告)日：2018-11-13

申请号：US15588124

申请日：2017-05-05

Applicant: Mastercard Technologies Canada ULC

Inventor： Christopher Everett Bailey ,  Randy Lukashuk ,  Jonathan Cunningham

IPC: G06F21/36 ,  H04L29/06 ,  G06T3/00 ,  G06F21/00

Abstract: A technique for distinguishing between a human user and a software robot. The technique includes: receiving a first communication from a device different from the at least one computer; identifying, from the first communication, a request to access a web resource; generating a shuffled image that encodes a challenge text, the generating comprising: generating an initial image encoding the challenge text; dividing the initial image into image portions; and generating the shuffled image as a shuffled arrangement of the image portions; generating decoding information for revealing the challenge text encoded in the shuffled image; transmitting the shuffled image and the decoding information to the device; receiving a second communication from the device; identifying, from the second communication, a response text; and providing the device with access to the web resource based on a comparison between the challenge text and the response text.

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：US10805328B2

公开(公告)日：2020-10-13

申请号：US15908228

申请日：2018-02-28

Applicant: Mastercard Technologies Canada ULC

Inventor： Christopher Everett Bailey ,  Randy Lukashuk ,  Gary Wayne Richardson

IPC: G06F21/00 ,  H04L29/06 ,  G06F16/28 ,  G06F16/22 ,  G06F16/9535 ,  G06F16/2457 ,  G06F21/44 ,  G06F21/31 ,  G06F21/32 ,  H04L29/08 ,  H04L12/24 ,  G06F21/60 ,  G06F7/08 ,  H04L12/26 ,  G06F21/55

Abstract: Systems and methods for detecting and scoring anomalies. In some embodiments, a method is provided, comprising acts of: (A) identifying a plurality of values of an attribute, each value of the plurality of values corresponding respectively to a digital interaction of the plurality of digital interactions; (B) dividing the plurality of values into a plurality of buckets; (C) for at least one bucket of the plurality of buckets, determining a count of values from the plurality of values that fall within the at least one bucket; (D) comparing the count of values from the plurality of values that fall within the at least one bucket against historical information regarding the attribute; and (E) determining whether the attribute is anomalous based as least in part on a result of the act (D).

公开(公告)号：US20200082079A1

公开(公告)日：2020-03-12

申请号：US16567352

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: G06F21/56 ,  G06F8/51 ,  G06F21/55

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 generated rules with distinct data paths are then converted using a transpiler from the scripting language into native language source code (e.g., PHP, Java, etc.) for deployment in a particular environment. The rules are then executed in real-time in the environment to detect potential fraudulent activity.

公开(公告)号：US20190149567A1

公开(公告)日：2019-05-16

申请号：US16232789

申请日：2018-12-26

Applicant: MASTERCARD TECHNOLOGIES CANADA ULC

Inventor： Christopher Everett Bailey ,  Randy Lukashuk ,  Gary Wayne Richardson

IPC: H04L29/06 ,  G06F16/2457 ,  H04L12/24 ,  G06F16/22 ,  G06F16/28 ,  G06F7/08 ,  G06F21/60 ,  H04L29/08 ,  G06F21/55 ,  G06F16/9535 ,  H04L12/26 ,  G06F21/44

Abstract: Techniques for ascertaining legitimacy of communications received during a digital interaction with a client device. The techniques include: receiving a communication; identifying from the communication a first secured token; processing the first secured token by: obtaining, from the first secured token, information indicating a state of the digital interaction; and using the information indicating the state to determine whether the communication is from the client device; and when it is determined that the communication is from the client device, causing at least one action responsive to the communication to be performed; updating the information indicating the state of the digital interaction to obtain updated information indicating the state of the digital interaction; and providing a second secured token to the client device for use in a subsequent communication during the digital interaction, the second secured token comprising the updated information indicating the state of the digital interaction.