Patents by Inventor Brian Piel
Brian Piel 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).
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Publication number: 20240112182Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.Type: ApplicationFiled: November 6, 2023Publication date: April 4, 2024Inventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
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Patent number: 11880842Abstract: An adaptive authentication (AA) computer device used for improved payment transaction authentication services is provided. The AA computer device includes at least one processor in communication with at least one memory device and is configured to retrieve historical transaction data and authentication types for each historical transaction. The AA computer device is also configured to generate a model associating each of the authentication types with a corresponding set of values for transaction parameters. The AA computer device is further configured to receive pending transaction data including a cardholder identifier of a first cardholder, a merchant identifier, and a transaction amount. The AA computer device is further configured to determine an authentication type by applying the model to the transaction parameters derived from the pending transaction and transmit to the first cardholder an authentication request of the authentication type.Type: GrantFiled: December 17, 2018Date of Patent: January 23, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Patent number: 11875349Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.Type: GrantFiled: June 21, 2019Date of Patent: January 16, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory, Andres Gonzalez
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Patent number: 11810107Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.Type: GrantFiled: August 2, 2021Date of Patent: November 7, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
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Publication number: 20230040368Abstract: An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.Type: ApplicationFiled: October 17, 2022Publication date: February 9, 2023Inventor: Brian Piel
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Publication number: 20230036787Abstract: An authentication computing device stores a cardholder profile that is associated with a candidate cardholder and includes a cardholder identifier, a device identifier, payment account data, and trusted authentication data in a database system, receives an authentication request that is associated with a tax filing of the candidate cardholder and includes a filing identifier from a revenue computing device, detects the authentication request is associated with the candidate cardholder based upon the filing identifier and the cardholder profile, transmits an identity challenge requesting authentication data associated with the candidate cardholder to a user device associated with the device identifier, receives a challenge response including response authentication data from the user device, determines an authentication status associated with the authentication request based on a comparison of the response authentication data and the trusted authentication data, and transmits the authentication status to the rType: ApplicationFiled: October 3, 2022Publication date: February 2, 2023Inventor: Brian Piel
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Patent number: 11475418Abstract: An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.Type: GrantFiled: June 21, 2021Date of Patent: October 18, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Patent number: 11461854Abstract: An authentication computing device stores a cardholder profile that is associated with a candidate cardholder and includes a cardholder identifier, a device identifier, payment account data, and trusted authentication data in a database system, receives an authentication request that is associated with a tax filing of the candidate cardholder and includes a filing identifier from a revenue computing device, detects the authentication request is associated with the candidate cardholder based upon the filing identifier and the cardholder profile, transmits an identity challenge requesting authentication data associated with the candidate cardholder to a user device associated with the device identifier, receives a challenge response including response authentication data from the user device, determines an authentication status associated with the authentication request based on a comparison of the response authentication data and the trusted authentication data, and transmits the authentication status to the rType: GrantFiled: November 3, 2017Date of Patent: October 4, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Publication number: 20220191198Abstract: An authentication correlation (AC) computing device is provided. The AC computing device includes a processor and a memory. The AC computing device receives a first authentication request from a requesting computer device including an account identifier, a first timestamp, and at least one authentication factor, and determines a first security level of the first authentication request. The AC computing device stores the first security level and the first timestamp. The AC computing device is also configured to receive a second authentication request including the account identifier and a second timestamp, determine that the second authentication satisfies an authentication rule based on the account identifier, the second timestamp, and the stored authentication data wherein the rule defines a timeframe and an authentication threshold, and generate an authentication response based on the determination and the authentication rule wherein the authentication response includes an approval indicator.Type: ApplicationFiled: March 4, 2022Publication date: June 16, 2022Inventor: Brian Piel
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Patent number: 11348116Abstract: A personal cloud authentication (PCA) system for authenticating an online user using device data stored on a personal cloud platform of the user is provided. The PCA system configured to build an authentication table using a user profile that includes at least user account information. The PCA system is also configured to receive transaction data associated with the user account information and store the transaction data within a database, wherein the transaction data includes at least an authentication request, a second primary user computing device identifier and a second secondary user computing device identifier. The PCA system is further configured to parse the transaction data, match the first primary user computing device identifier to the second primary user computing device identifier and the first secondary user computing device identifier to the second secondary user computing device identifier, generate an authentication response based on the match, and transmit the authentication response.Type: GrantFiled: November 7, 2017Date of Patent: May 31, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Patent number: 11282073Abstract: An electronic payment card processing system and method includes at least one host computing device having at least one processor in communication with a memory device and a multi-party payment processing system and network for processing payment card transactions. The at least one host computing device retrieves delivery data for a purchased item associated with at least one disputed charge by a cardholder of a payment card transaction that was previously approved through the multi-party payment processing system, and analyzes the retrieved delivery data to determine a basis for the at least one disputed charge including whether the at least one disputed charge is friendly fraud.Type: GrantFiled: October 12, 2017Date of Patent: March 22, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Patent number: 11271930Abstract: An authentication correlation (AC) computing device is provided. The AC computing device includes a processor and a memory. The AC computing device receives a first authentication request from a requesting computer device including an account identifier, a first timestamp, and at least one authentication factor, and determines a first security level of the first authentication request. The AC computing device stores the first security level and the first timestamp. The AC computing device is also configured to receive a second authentication request including the account identifier and a second timestamp, determine that the second authentication satisfies an authentication rule based on the account identifier, the second timestamp, and the stored authentication data wherein the rule defines a timeframe and an authentication threshold, and generate an authentication response based on the determination and the authentication rule wherein the authentication response includes an approval indicator.Type: GrantFiled: July 2, 2018Date of Patent: March 8, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Publication number: 20210357922Abstract: Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.Type: ApplicationFiled: August 2, 2021Publication date: November 18, 2021Inventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
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Publication number: 20210312407Abstract: An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.Type: ApplicationFiled: June 21, 2021Publication date: October 7, 2021Inventor: Brian Piel
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Patent number: 11080697Abstract: Systems and methods are provided for authenticating users to payment accounts in connection with transactions. An exemplary method includes receiving, by at least one computing device, an authentication request for a transaction associated with a payment account where the authentication request includes a token associated with the payment account and a cryptogram, and mapping the token to a primary account number (PAN) for the payment account. The method also includes validating the cryptogram, generating a directory server nonce (DSN) for the authentication request, and transmitting the DSN and the account number to an access control server (ACS) associated with an issuer of the payment account. The method further includes, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction, and transmitting the AAV to one of a merchant and a server.Type: GrantFiled: October 5, 2017Date of Patent: August 3, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sowmya Reddy Lakka, Brian Piel, Vincenzo Palomba, Jonathan James Main, David Anthony Roberts
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Patent number: 11042845Abstract: An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.Type: GrantFiled: November 7, 2017Date of Patent: June 22, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Patent number: 10848321Abstract: A data controller (DC) system including one or more data controller (DC) computing device for authenticating a user is provided. The DC system is configured to receive first crypto key data associated with a first transaction including encrypted on-device biometric data, and a first account identifier, store the first crypto key data as historical crypto key data, and receive an authentication request message for a second transaction including second crypto key data which includes a second account identifier. The DC system is further configured to correlate the second crypto key data to the historical crypto key data, match the first account identifier to the second account identifier, determine a fraud score for the second transaction, automatically generate an authentication response message including the fraud score, and transmit the authentication response message.Type: GrantFiled: November 3, 2017Date of Patent: November 24, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Brian Piel
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Patent number: 10839392Abstract: Systems and methods are provided for use in enhancing security associated with services related to payment or banking accounts, in connection with communication between consumers and consumer service call centers associated with the accounts. One exemplary method includes receiving, at a computing device, a request to authenticate a consumer to a payment or banking account from a call center associated with consumer services for the account, and soliciting a biometric from the consumer. The method also includes receiving biometric data from a communication device associated with the consumer relating to the solicited biometric, and confirming the received biometric data based on reference biometric data for the consumer. The method then further includes transmitting an authentication confirmation to the call center, when the received biometric data is confirmed, whereby the call center is able to proceed in providing the consumer services to the consumer with or without security questions.Type: GrantFiled: February 21, 2017Date of Patent: November 17, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Laurie Ann Nicoletti, Elisabeth Lea Rode, Janet Marie Smith, Brandon Craig Bryson, Sameer Tare, Brian Piel, Steve Hubbard
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Publication number: 20200193443Abstract: An adaptive authentication (AA) computer device used for improved payment transaction authentication services is provided. The AA computer device includes at least one processor in communication with at least one memory device and is configured to retrieve historical transaction data and authentication types for each historical transaction. The AA computer device is also configured to generate a model associating each of the authentication types with a corresponding set of values for transaction parameters. The AA computer device is further configured to receive pending transaction data including a cardholder identifier of a first cardholder, a merchant identifier, and a transaction amount. The AA computer device is further configured to determine an authentication type by applying the model to the transaction parameters derived from the pending transaction and transmit to the first cardholder an authentication request of the authentication type.Type: ApplicationFiled: December 17, 2018Publication date: June 18, 2020Inventor: Brian Piel
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Publication number: 20200007536Abstract: An authentication correlation (AC) computing device is provided. The AC computing device includes a processor and a memory. The AC computing device receives a first authentication request from a requesting computer device including an account identifier, a first timestamp, and at least one authentication factor, and determines a first security level of the first authentication request. The AC computing device stores the first security level and the first timestamp. The AC computing device is also configured to receive a second authentication request including the account identifier and a second timestamp, determine that the second authentication satisfies an authentication rule based on the account identifier, the second timestamp, and the stored authentication data wherein the rule defines a timeframe and an authentication threshold, and generate an authentication response based on the determination and the authentication rule wherein the authentication response includes an approval indicator.Type: ApplicationFiled: July 2, 2018Publication date: January 2, 2020Inventor: Brian Piel