Abstract: A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.

Abstract: An account authentication service where a trusted party verifies an account holder's identity for the benefit of a requestor during an online transaction. The account authentication involves requesting a password from the account holder, verifying the password, and notifying the requestor whether the account holder's authenticity has been verified. An alternative embodiment of the account authentication service includes a value-adding component where information about a customer is shared with a value-adding party. The customer information is rich in detail about the customer since it is collected by each of the parties in the account authentication process. The value-adding party can then use this information in various manners. All of the parties involved can benefit from sharing the customer information. The value-adding party can be, for example, a merchant, a shipper, a security organization, or a governmental organization.

Abstract: Transferring funds from a payment originator (or payor) to a payment beneficiary (or payee) pushes the funds directly to a beneficiary's bank. The beneficiary's bank is not required to actively pull funds into the beneficiary's account. An originator can use a publicly known beneficiary indicator to direct payment to the beneficiary. The publicly known beneficiary indicator can be publicly used without exposing a beneficiary account to unauthorized debits or fraud since it can only be used to make credits to the beneficiary account, e.g. a deposit-only account. A pre-settlement conversation is used between the two banks to verify and evaluate information about an upcoming transfer of funds to determine whether to accept the funds transfer. The messages in the pre-settlement conversation contain information about the transaction.

Abstract: Detecting harmful or illegal intrusions into a computer network or into restricted portions of a computer network uses a process of synthesizing anomalous data to be used in training a neural network-based model for use in a computer network intrusion detection system. Anomalous data for artificially creating a set of features reflecting anomalous behavior for a particular activity is performed. This is done in conjunction with the creation of normal-behavior feature values. A distribution of users of normal feature values and an expected distribution of users of anomalous feature values are then defined in the form of histograms. The anomalous-feature histogram is then sampled to produce anomalous-behavior feature values. These values are then used to train a model having a neural network training algorithm where the model is used in the computer network intrusion detection system.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.