Patents by Inventor Michelle Hafner

Michelle Hafner 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).

  • SYSTEMS AND METHODS FOR PROVIDING RISK BASED DECISIONING SERVICE TO A MERCHANT
    Publication number: 20200294055
    Abstract: A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.
    Type: Application
    Filed: February 28, 2020
    Publication date: September 17, 2020
    Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Filipe Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner
  • Systems and methods for providing risk based decisioning service to a merchant
    Patent number: 10614452
    Abstract: A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: April 7, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner
  • SYSTEMS AND METHODS FOR PROVIDING RISK BASED DECISIONING SERVICE TO A MERCHANT
    Publication number: 20160078436
    Abstract: A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.
    Type: Application
    Filed: May 22, 2015
    Publication date: March 17, 2016
    Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner