Loading patent…
AssigneeVisa International Service Association
InventorsRavi Krishnan Muthukrishnan, Prakash Kalaiah, Subramanian Kumaraswamy
Estimating the term…
Embodiments of the disclosure are directed to methods, systems, and devices for the use of portable devices, such as a vehicle driven by a user, that are distinctive physical objects and can be presented to an authentication system for authentication purposes. More specifically, the portable device may be used as a source of information for the authentication system that can be verified. Images may be captured of the portable devices in order to determine their distinctive features for comparison to other physical objects registered to the user. The portable devices may also be a source of metadata, or additional contextual information associated with those portable devices or their interaction with the authentication system. The image data and/or the metadata associated with a portable device can be verified for fraud or risk analysis.
A computer-implemented method, comprising:
A system comprising:
A computer-implemented method, comprising:
Dependencies are inferred from the claim text.
Drawings are temporarily unavailable. Open the PDF at USPTO
From the US filing history. Foreign family members aren’t listed.
No references of this kind are recorded.
Transaction verification: involving fraud or risk level assessment in transaction processing
Elements for body-finishing, identifying, or decorating; Arrangements or adaptations for advertising purposes: registration, licensing, or like…
Measuring distance traversed on the ground by vehicles, persons, animals or other
Operations research, analysis or management: risk analysis of enterprise or organisation activities
About 11 years 5 months of term left · ends 31 Mar 2038 (estimated)
This application is the U.S. National Phase of PCT Application No. PCT/US2017/021432, filed Mar. 8, 2017, the disclosure of which is incorporated by reference.
Methods and systems disclosed herein relate generally to authentication and the fraud or risk analysis performed in connection with authentication. More specifically, the methods and systems disclosed herein can be used in order to improve security against fraud through the use of distinctive physical objects that are portable and can be presented for authentication purposes. Images may be captured of those physical objects in order to determine their distinctive features. The physical objects may also be a source of metadata, or extra contextual information associated with those physical objects. The image data and/or the metadata associated with a physical object can be verified for fraud or risk analysis.
In today's technological environment, a user may interact with a variety of computer systems to achieve specific tasks or obtain specific resources. For example, on any given day, a user might interact with a first computer system to gain entry into a train terminal, a second computer system to access his or her office building, a third computer system to log onto his or her employers network, and a fourth computer system to purchase coffee. To interact with each of these computer systems, a user may need to remember specific credentials (e.g. username and password) or carry around entry cards storing credentials (e.g. train pass, credit card, etc.). The credentials are usually required by the various computer systems to authorize access to the user, and are typically managed and stored in a dedicated database specific to the individual computer system for which they were issued. However, this may enable fraudulent interactions where another user steals the specific credentials (or cards storing credentials) in order to obtain access to the various computer systems.
FIG. 1 shows a system diagram of an authorization system according to embodiments of the invention.
FIG. 2 shows a data flow diagram illustrating the communication between components of an authorization system according to embodiments of the invention.
FIG. 3 shows a block diagram of an access device according to embodiments of the invention.
As previously discussed, tokens are frequently used in order to serve as a surrogate in transactions. However, the use of tokens obfuscates the underlying account information and makes it difficult to perform traditional fraud or risk analysis.
In order to allow for a surrogate while enable fraud or risk analysis, a physical object having distinctive features can be used. A user can register that physical object with a transaction network by supplying images of the object, as well as any distinctive metadata associated with that object, to the network. This information for that physical object can be associated with the user.
In order to initiate a transaction, the user having possession of the physical object can bring it to the transaction. Images of the object can be taken and any metadata for the object can be collected. This information can be compared to the information on-file for the user that was collected during the registration process. This contextual information can be used in order to ascertain whether the physical object used in the transaction is the same as the physical object registered by the user, which can be determinative of whether the transaction is fraudulent.