Patents by Inventor Robert Albert Ederle

Robert Albert Ederle 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).

  • Publication number: 20240037554
    Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request represents a transaction to a payment account and includes a transaction amount and an accountholder authentication value (AAV) indicative of a prior authentication associated with the transaction. The computing device is configured to determine whether the authorization request, the transaction amount and/or an interval associated with the authorization request satisfies a parameter.
    Type: Application
    Filed: October 13, 2023
    Publication date: February 1, 2024
    Inventors: Robert Albert Ederle, Mark B. Hey, Kris Lowell Donaldson, Gregory S. Kriebaum
  • Patent number: 11875349
    Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.
    Type: Grant
    Filed: June 21, 2019
    Date of Patent: January 16, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory, Andres Gonzalez
  • Patent number: 11823187
    Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.
    Type: Grant
    Filed: May 27, 2021
    Date of Patent: November 21, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Robert Albert Ederle, Mark B. Hey, Kris Lowell Donaldson, Gregory S. Kriebaum
  • Publication number: 20210374747
    Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.
    Type: Application
    Filed: May 27, 2021
    Publication date: December 2, 2021
    Inventors: Robert Albert Ederle, Mark B. Hey, Kris Lowell Donaldson, Gregory S. Kriebaum
  • Publication number: 20190392440
    Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Robert Albert Ederle, Julia Sharon Gosset, Ranjita Shankar Iyer, Brian Piel, Dennis A. Gamiello, Christopher John Merz, Felix Johnnes Flory
  • Publication number: 20190392449
    Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message, generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score, and route the RBA result data based on the authentication profile and the RBA result data.
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory
  • Publication number: 20190392450
    Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying
    Type: Application
    Filed: June 21, 2019
    Publication date: December 26, 2019
    Inventors: Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory, Nimit Gulati, Paul Baker
  • Publication number: 20170083914
    Abstract: Methods, media, and systems directed to a platform for receiving, from at least one external user of an authentication system, a record including customer information for the external user and associated with at least an enrollment of the at least one external user to the authentication system; receiving, by a computer interfaced with an authentication database storing historical external user customer information, the record including the customer information for the external user; validating the record including customer information for the external user and the historical external user customer information; and storing an indication of the validated record.
    Type: Application
    Filed: September 17, 2015
    Publication date: March 23, 2017
    Inventors: Paul Stephen Baker, Robert Albert Ederle, John Artman, Stephanie Dickinson, Craig Gilbert, Karen Jeanne Gieselman, Brian John Piel