Patents by Inventor Randy Shuken
Randy Shuken 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: 20230298024Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.Type: ApplicationFiled: May 26, 2023Publication date: September 21, 2023Inventors: Debashis Ghosh, Randy Shuken
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Patent number: 11676148Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.Type: GrantFiled: June 22, 2021Date of Patent: June 13, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken
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Publication number: 20210319447Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.Type: ApplicationFiled: June 22, 2021Publication date: October 14, 2021Inventors: Debashis Ghosh, Randy Shuken
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Patent number: 11068894Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.Type: GrantFiled: November 12, 2019Date of Patent: July 20, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Patent number: 11068891Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.Type: GrantFiled: July 22, 2019Date of Patent: July 20, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken
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Patent number: 10909619Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.Type: GrantFiled: January 22, 2018Date of Patent: February 2, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken
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Patent number: 10796320Abstract: A method and system for determining a status of a visitor to a physical location and associated with a handheld device using a computer device coupled to a database are provided. The method includes receiving, by the processor, a hello message from a radio associated with one or more handheld devices, capturing a unique identifier of the handheld device from the received hello message, determining visitor geographic information based on the captured unique identifier and a determined signal strength of the hello message, and outputting the visitor information.Type: GrantFiled: December 23, 2013Date of Patent: October 6, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Publication number: 20200082409Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.Type: ApplicationFiled: November 12, 2019Publication date: March 12, 2020Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Patent number: 10586240Abstract: A computer-implemented method for estimating visitor traffic at a real property location based on interrogation signal data is provided. The method includes receiving, by one or more processors, a real property location, defining a geographic region that includes the real property location, receiving, by the one or more processors, interrogation signal data for a group of mobile devices included within the plurality of mobile devices, determining a location of each of the mobile devices included within the group of mobile devices over the selected period of time based on the received interrogation signal data, and estimating visitor traffic for the real property location over the selected period of time based on the location of each of the mobile devices included within the group of mobile devices.Type: GrantFiled: October 22, 2014Date of Patent: March 10, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken
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Patent number: 10475032Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.Type: GrantFiled: January 26, 2018Date of Patent: November 12, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Publication number: 20190340613Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.Type: ApplicationFiled: July 22, 2019Publication date: November 7, 2019Inventors: Debashis Ghosh, Randy Shuken
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Patent number: 10373164Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.Type: GrantFiled: August 14, 2017Date of Patent: August 6, 2019Assignee: Mastercard International IncorporatedInventors: Debashis Ghosh, Randy Shuken
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Patent number: 10325299Abstract: A mobile computing device configured for enabling distribution of digital pictures is provided. Additionally, a method for enabling distribution of digital pictures and a computer-readable storage medium having computer-executable instructions embodied thereon for enabling distribution of digital pictures are provided.Type: GrantFiled: May 1, 2015Date of Patent: June 18, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Manash Bhattacharjee, Debashis Ghosh, Randy Shuken
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Patent number: 10210576Abstract: A risk determination computing device for determining a risk of insurance fraud is provided. Additionally, a method for determining a risk of insurance fraud is provided. Further, a computer-readable storage medium having computer-executable instructions embodied thereon for determining a risk of insurance fraud is provided.Type: GrantFiled: October 23, 2015Date of Patent: February 19, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Justin X. Howe, Randy Shuken
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Publication number: 20180365699Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.Type: ApplicationFiled: January 26, 2018Publication date: December 20, 2018Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Publication number: 20180150847Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.Type: ApplicationFiled: January 26, 2018Publication date: May 31, 2018Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Publication number: 20180144402Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.Type: ApplicationFiled: January 22, 2018Publication date: May 24, 2018Inventors: Debashis Ghosh, Randy Shuken
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Patent number: 9928358Abstract: An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device.Type: GrantFiled: December 9, 2013Date of Patent: March 27, 2018Assignee: MasterCard International IncorporatedInventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Patent number: 9904921Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.Type: GrantFiled: October 29, 2013Date of Patent: February 27, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
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Patent number: 9875506Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.Type: GrantFiled: May 2, 2014Date of Patent: January 23, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken