Patents by Inventor Karl Newland
Karl Newland 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).
-
Patent number: 11936657Abstract: Techniques for authorizing a transaction or interaction of a user that is modified by authentication information for the same user are described herein. In embodiments, an authorization request message for a transaction and a session identifier may be received from a transport computer or a resource provider computer. A portion of pre-analyzed data about the user and the one or more interactions may be obtained, from a database, based on the session identifier. A risk analysis for the transaction using the portion of the pre-analyzed data may be performed to generate a value. The authorization request message may be modified to include the portion of the pre-analyzed data and the value. The modified authorization request message may be transmitted to an authorizing computer.Type: GrantFiled: October 17, 2018Date of Patent: March 19, 2024Assignee: Visa International Service AssociationInventors: Craig O'Connell, Karl Newland
-
Patent number: 11775976Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: GrantFiled: August 31, 2021Date of Patent: October 3, 2023Assignee: Visa International Service AssociationInventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
-
Publication number: 20220414672Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: ApplicationFiled: September 1, 2022Publication date: December 29, 2022Applicant: Visa International Service AssociationInventors: Karl Newland, Douglas Fisher, Craig O'Connell
-
Publication number: 20220164799Abstract: A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message.Type: ApplicationFiled: February 10, 2022Publication date: May 26, 2022Inventors: Mark Allen Nelsen, Craig O'Connell, Karl Newland, Douglas Fisher
-
Patent number: 11282082Abstract: A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message.Type: GrantFiled: July 30, 2015Date of Patent: March 22, 2022Assignee: Visa International Service AssociationInventors: Mark Allen Nelsen, Craig O'Connell, Karl Newland, Douglas Fisher
-
Publication number: 20210398130Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: ApplicationFiled: August 31, 2021Publication date: December 23, 2021Inventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
-
Publication number: 20210352073Abstract: Techniques for authorizing a transaction or interaction of a user that is modified by authentication information for the same user are described herein. In embodiments, an authorization request message for a transaction and a session identifier may be received from a transport computer or a resource provider computer. A portion of pre-analyzed data about the user and the one or more interactions may be obtained, from a database, based on the session identifier. A risk analysis for the transaction using the portion of the pre-analyzed data may be performed to generate a value. The authorization request message may be modified to include the portion of the pre-analyzed data and the value. The modified authorization request message may be transmitted to an authorizing computer.Type: ApplicationFiled: October 17, 2018Publication date: November 11, 2021Inventors: Craig O'Connell, Karl Newland
-
Publication number: 20210319450Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: ApplicationFiled: June 22, 2021Publication date: October 14, 2021Inventors: Karl Newland, Douglas Fisher, Craig O'Connell
-
Patent number: 11132686Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: GrantFiled: May 17, 2016Date of Patent: September 28, 2021Assignee: Visa International Service AssociationInventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
-
Patent number: 11074585Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: GrantFiled: May 5, 2016Date of Patent: July 27, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Karl Newland, Douglas Fisher, Craig O'Connell
-
Patent number: 10909539Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.Type: GrantFiled: October 29, 2014Date of Patent: February 2, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Douglas Fisher, Karl Newland, Patrick Wright, Kevin Wong, Christopher Brownlee
-
Patent number: 10567366Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: GrantFiled: December 10, 2018Date of Patent: February 18, 2020Assignee: Visa International Service AssociationInventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
-
Publication number: 20190109837Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: ApplicationFiled: December 10, 2018Publication date: April 11, 2019Inventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
-
Patent number: 10187366Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: GrantFiled: April 28, 2016Date of Patent: January 22, 2019Assignee: Visa International Service AssociationInventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
-
Publication number: 20180114224Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: ApplicationFiled: May 5, 2016Publication date: April 26, 2018Inventors: Karl Newland, Douglas Fisher, Craig O'Connell
-
Publication number: 20170318000Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: ApplicationFiled: April 28, 2016Publication date: November 2, 2017Inventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
-
Publication number: 20160260102Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: ApplicationFiled: May 17, 2016Publication date: September 8, 2016Inventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
-
Publication number: 20160034900Abstract: A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message.Type: ApplicationFiled: July 30, 2015Publication date: February 4, 2016Inventors: Mark Allen Nelsen, Craig O'Connell, Karl Newland, Douglas Fisher
-
Publication number: 20150120560Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.Type: ApplicationFiled: October 29, 2014Publication date: April 30, 2015Inventors: Douglas Fisher, Karl Newland, Patrick Wright, Kevin Wong, Christopher Brownlee
-
Publication number: 20150120559Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.Type: ApplicationFiled: October 29, 2014Publication date: April 30, 2015Inventors: Douglas Fisher, Karl Newland, Patrick Wright, Kevin Wong, Christopher Brownlee