Patents by Inventor Steve E. Hubbard
Steve E. Hubbard 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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Patent number: 11501286Abstract: A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.Type: GrantFiled: May 5, 2020Date of Patent: November 15, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Filipe Ferreira da Silva
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Patent number: 11310281Abstract: A method, implemented using an authentication monitoring (AM) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.Type: GrantFiled: September 30, 2019Date of Patent: April 19, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Steve E. Hubbard, Sheryl J. Lock, Sue Ellen Moskowitz
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Publication number: 20200294055Abstract: 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: ApplicationFiled: February 28, 2020Publication date: September 17, 2020Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Filipe Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner
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Publication number: 20200265416Abstract: A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.Type: ApplicationFiled: May 5, 2020Publication date: August 20, 2020Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva
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Patent number: 10657521Abstract: A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.Type: GrantFiled: May 22, 2015Date of Patent: May 19, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva
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Patent number: 10614452Abstract: 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: GrantFiled: May 22, 2015Date of Patent: April 7, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner
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Publication number: 20200028878Abstract: A method, implemented using an authentication monitoring (AM) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.Type: ApplicationFiled: September 30, 2019Publication date: January 23, 2020Inventors: Steve E. Hubbard, Sheryl J. Lock, Sue Ellen Moskowitz
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Patent number: 10432667Abstract: A method, implemented using an authentication monitoring (AM) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.Type: GrantFiled: August 26, 2016Date of Patent: October 1, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Steve E. Hubbard, Sheryl J. Lock, Sue Ellen Moskowitz
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Publication number: 20170063932Abstract: A method, implemented using an authentication monitoring (AM) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.Type: ApplicationFiled: August 26, 2016Publication date: March 2, 2017Inventors: Steve E. Hubbard, Sheryl J. Lock, Sue Ellen Moskowitz
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Publication number: 20160078444Abstract: A computing device for providing fraud indicator data within an authentication system including an authentication protocol is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to identify fraud feature data associated with a payment card transaction. The transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is further programmed to compute a first risk score for the transaction based at least in part on the fraud feature data. The computing device is also programmed to generate a message in the authentication protocol, the message including at least one extension field. The first risk score is included within the extension field. The computing device is still further programmed to transmit the message with the first risk score to a party associated with the transaction for use during authentication of the transaction.Type: ApplicationFiled: May 22, 2015Publication date: March 17, 2016Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva
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Publication number: 20160078443Abstract: A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.Type: ApplicationFiled: May 22, 2015Publication date: March 17, 2016Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva
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Publication number: 20160078436Abstract: 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: ApplicationFiled: May 22, 2015Publication date: March 17, 2016Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner