Patents by Inventor Beatriz Montiani Carvalho

Beatriz Montiani Carvalho has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • System, method, and computer program product for authenticating user activity based on biometric data
    Patent number: 11741464
    Abstract: A computer-implemented method for authenticating user activity based on biometric data includes receiving a transaction request; determining that the transaction request is associated with a potentially fraudulent transaction; communicating a transaction response, the transaction response including instructions to resend the transaction request after a predetermined time period; before the predetermined time period elapses, communicating an identification confirmation request and receiving an identification confirmation response including biometric data from a computing device; after the predetermined time period elapses, receiving the resent transaction request; based on receiving the resent transaction request, determining an authorization decision based at least partially on the biometric data; and based on the resent transaction request, communicating a second transaction response including the authorization decision. A system and computer program product are also disclosed.
    Type: Grant
    Filed: June 16, 2022
    Date of Patent: August 29, 2023
    Assignee: Visa International Service Association
    Inventors: Beatriz Montiani Carvalho, Belkis Barral, Rogerio Cazelato, Gabriela Karina Castillo Sandoval, Juan Carlos Amezcua
  • IDENTITY AUTHENTICATION SYSTEMS AND METHODS
    Publication number: 20220318803
    Abstract: A computer-implemented method comprising receiving a transaction request from a merchant server. In response to receiving the transaction request, the method includes requesting authentication from a computing device associated with a user payment account and a requesting that a merchant re-submit the transaction request. The method includes receiving an authentication parameter from the computing device, and determining that the authentication parameter matches an authentication parameter of the user payment account. The method includes receiving a re-submission of the transaction request from the merchant server and, based on the determination that the authentication parameter received from the computing device matches the authentication parameter associated with the user payment account, approving the transaction request.
    Type: Application
    Filed: June 17, 2022
    Publication date: October 6, 2022
    Inventors: Beatriz Montiani Carvalho, Rogerio Cazelato, Juan Amezcua, Belkis Barral, Gabriela Castillo
  • System, Method, and Computer Program Product for Authenticating User Activity Based on Biometric Data
    Publication number: 20220309499
    Abstract: A computer-implemented method for authenticating user activity based on biometric data includes receiving a transaction request; determining that the transaction request is associated with a potentially fraudulent transaction; communicating a transaction response, the transaction response including instructions to resend the transaction request after a predetermined time period; before the predetermined time period elapses, communicating an identification confirmation request and receiving an identification confirmation response including biometric data from a computing device; after the predetermined time period elapses, receiving the resent transaction request; based on receiving the resent transaction request, determining an authorization decision based at least partially on the biometric data; and based on the resent transaction request, communicating a second transaction response including the authorization decision. A system and computer program product are also disclosed.
    Type: Application
    Filed: June 16, 2022
    Publication date: September 29, 2022
    Inventors: Beatriz Montiani Carvalho, Belkis Barral, Rogerio Cazelato, Gabriela Karina Castillo Sandoval, Juan Carlos Amezcua
  • Identity authentication systems and methods
    Patent number: 11392946
    Abstract: A computer-implemented method comprising receiving a transaction request from a merchant server. In response to receiving the transaction request, the method includes requesting authentication from a computing device associated with a user payment account and a requesting that a merchant re-submit the transaction request. The method includes receiving an authentication parameter from the computing device, and determining that the authentication parameter matches an authentication parameter of the user payment account. The method includes receiving a re-submission of the transaction request from the merchant server and, based on the determination that the authentication parameter received from the computing device matches the authentication parameter associated with the user payment account, approving the transaction request.
    Type: Grant
    Filed: September 3, 2019
    Date of Patent: July 19, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Beatriz Montiani Carvalho, Rogerio Cazelato, Juan Amezcua, Belkis Barral, Gabriela Castillo
  • System, method, and computer program product for authenticating user activity based on biometric data
    Patent number: 11392943
    Abstract: A computer-implemented method for authenticating user activity based on biometric data includes receiving a transaction request; determining that the transaction request is associated with a potentially fraudulent transaction; communicating a transaction response, the transaction response including instructions to resend the transaction request after a predetermined time period; before the predetermined time period elapses, communicating an identification confirmation request and receiving an identification confirmation response including biometric data from a computing device; after the predetermined time period elapses, receiving the resent transaction request; based on receiving the resent transaction request, determining an authorization decision based at least partially on the biometric data; and based on the resent transaction request, communicating a second transaction response including the authorization decision. A system and computer program product are also disclosed.
    Type: Grant
    Filed: May 21, 2019
    Date of Patent: July 19, 2022
    Assignee: Visa International Service Association
    Inventors: Beatriz Montiani Carvalho, Belkis Barral, Rogerio Cazelato, Gabriela Karina Castillo Sandoval, Juan Carlos Amezcua
  • IDENTITY AUTHENTICATION SYSTEMS AND METHODS
    Publication number: 20210406889
    Abstract: A computer-implemented method comprising receiving a transaction request from a merchant server. In response to receiving the transaction request, the method includes requesting authentication from a computing device associated with a user payment account and a requesting that a merchant re-submit the transaction request. The method includes receiving an authentication parameter from the computing device, and determining that the authentication parameter matches an authentication parameter of the user payment account. The method includes receiving a re-submission of the transaction request from the merchant server and, based on the determination that the authentication parameter received from the computing device matches the authentication parameter associated with the user payment account, approving the transaction request.
    Type: Application
    Filed: September 3, 2019
    Publication date: December 30, 2021
    Inventors: Beatriz Montiani Carvalho, Rogerio Cazelato, Juan Amezcua, Belkis Barral, Gabriela Castillo
  • System, Method, and Computer Program Product for Authenticating User Activity Based on Biometric Data
    Publication number: 20190354974
    Abstract: A computer-implemented method for authenticating user activity based on biometric data includes receiving a transaction request; determining that the transaction request is associated with a potentially fraudulent transaction; communicating a transaction response, the transaction response including instructions to resend the transaction request after a predetermined time period; before the predetermined time period elapses, communicating an identification confirmation request and receiving an identification confirmation response including biometric data from a computing device; after the predetermined time period elapses, receiving the resent transaction request; based on receiving the resent transaction request, determining an authorization decision based at least partially on the biometric data; and based on the resent transaction request, communicating a second transaction response including the authorization decision. A system and computer program product are also disclosed.
    Type: Application
    Filed: May 21, 2019
    Publication date: November 21, 2019
    Inventors: Beatriz Montiani Carvalho, Belkis Barral, Rogerio Cazelato, Gabriela Karina Castillo Sandoval, Juan Carlos Amezcua