ASSESSING RISK OF FRAUD ASSOCIATED WITH USER UNIQUE IDENTIFIER USING TELECOMMUNICATIONS DATA

    公开(公告)号:US20230209351A1

    公开(公告)日:2023-06-29

    申请号:US17564013

    申请日:2021-12-28

    CPC classification number: H04W12/12 H04W12/48

    Abstract: A system and methods for assessing risk of fraud associated with a unique identifier associated with a telecommunication device of a user. The disclosed system utilizes one or more datasets of traffic representing network sessions over a telecommunications network. The system uses machine learning techniques to analyze network session data and/or static or dynamic attributes characterizing the network session data, and generates a risk scoring model that assesses the likelihood that the user is associated with fraudulent activities. The system receives a unique identifier and queries the one or more datasets for data characterizing traffic over the telecommunications network associated with the unique identifier. The system analyzes the traffic data associated with the unique identifier based on the risk scoring model and generates a score, grade, reason code, or other characterization indicating the likelihood of fraud associated with the unique identifier.

    CREATING RICH COMMUNICATION SERVICES (RCS) MESSAGE TEMPLATES WITH GRAPHICAL BUILD AND CONCURRENT REPRESENTATIVE DISPLAY

    公开(公告)号:US20230205984A1

    公开(公告)日:2023-06-29

    申请号:US17994648

    申请日:2022-11-28

    Inventor: Ilija Zagorac

    Abstract: System and method for generating RCS message templates using a graphical user interface (GUI) with concurrent representative display. Templates are generated based on inputs via an input region of the GUI. Inputs can include a template name, a template type, and message content, which can include text, images, video, interactive buttons or icons, and so forth. Inputs can be static or parameterized. A representative message based on the template is concurrently displayed in a display region of the GUI. Based on the inputs, the system generates RCS message templates, such as by compiling JSON code corresponding to the user inputs and the representative display. The templates can be used to generate and send finalized RCS messages, such as text messages, rich cards, and so forth, by invoking a generated template and providing data for any parameterized fields in the template.

    CREATING RICH COMMUNICATION SERVICES (RCS) MESSAGE TEMPLATES WITH GRAPHICAL BUILD AND CONCURRENT REPRESENTATIVE DISPLAY

    公开(公告)号:US20220366130A1

    公开(公告)日:2022-11-17

    申请号:US17322531

    申请日:2021-05-17

    Inventor: Ilija Zagorac

    Abstract: System and method for generating RCS message templates using a graphical user interface (GUI) with concurrent representative display. Templates are generated based on inputs via an input region of the GUI. Inputs can include a template name, a template type, and message content, which can include text, images, video, interactive buttons or icons, and so forth. Inputs can be static or parameterized. A representative message based on the template is concurrently displayed in a display region of the GUI. Based on the inputs, the system generates RCS message templates, such as by compiling JSON code corresponding to the user inputs and the representative display. The templates can be used to generate and send finalized RCS messages, such as text messages, rich cards, and so forth, by invoking a generated template and providing data for any parameterized fields in the template.

    VERIFYING SUBSCRIBER INFORMATION FOR DEVICE-BASED AUTHENTICATION

    公开(公告)号:US20210029127A1

    公开(公告)日:2021-01-28

    申请号:US16518744

    申请日:2019-07-22

    Abstract: A subscriber information authentication system that compares network-obtained and device-obtained information to verify that a device being used in connection with a user account is authenticated for that account. Certain subscriber information may be associated with the account during a registration process. In subsequent attempts to access the account, the registered subscriber information may be used in conjunction with information obtained from a telecommunication network and from a device to verify that the device is authorized. The information from the telecommunication network may be queried using Signaling System No. 7 (“SS7”) protocols. The device authorization may be performed, for example, to ensure that a device being used for device-based verification is the device a user purports it to be.

    DUAL CODE AUTHENTICATION SYSTEM
    5.
    发明申请

    公开(公告)号:US20170257355A1

    公开(公告)日:2017-09-07

    申请号:US15411710

    申请日:2017-01-20

    CPC classification number: H04L63/08 H04L63/12 H04L63/18

    Abstract: A verification method and system are disclosed that verify a user. The user is provided a verification code via, for example, a website, to be communicated to the system via an application on a mobile communication device. If the correct verification code is communicated by the user, the user receives via the application a verification message containing another verification code, which the user submits to a website or on-line form or to another verification system for authentication.

    CALL CENTER SMS VERIFICATION SYSTEM AND METHOD

    公开(公告)号:US20160323450A1

    公开(公告)日:2016-11-03

    申请号:US15207360

    申请日:2016-07-11

    Abstract: A service call between a service user and a call center for a service provider is established when the service user is contacted or calls into the call center of the service provider. The service provider may request basic account information for verification of the identity of the service user. If the service provider determines that a further verification of the user's identity is necessary, the service provider may send a verification code to the service user via the user communication device. The verification code is relayed back to the service provider. The transmitted verification code and the relayed verification code are compared and if the codes match, the user is authenticated.

    Frictionless multi-factor authentication system and method
    7.
    发明授权
    Frictionless multi-factor authentication system and method 有权
    无摩擦多因素认证系统及方法

    公开(公告)号:US09355231B2

    公开(公告)日:2016-05-31

    申请号:US13706261

    申请日:2012-12-05

    Abstract: A frictionless multi-factor authentication system and method (“FMFA system”) that facilitates verification of the identity of a website user, registrant or applicant. The FMFA system reduces or removes the burden on the user by eliminating the additional manual second step traditionally required by two-factor authentication methods, and replacing the second step with an automated authentication step based on the location of a mobile device that is associated with the user. The FMFA system may be utilized for authenticating users to access sensitive data on online accounts, applications and websites, download files, perform online transactions, store information through websites or data stores, or the like. The FMFA system allows registration information obtained from a previously-registered user to authenticate the user on subsequent visits or logins to the website.

    Abstract translation: 一种无摩擦多因素认证系统和方法(“FMFA系统”),有助于验证网站用户,注册人或申请人的身份。 FMFA系统通过消除双因素认证方法传统上需要的附加手动第二步骤来减少或消除用户的负担,并且基于与所述移动设备相关联的移动设备的位置,使用自动认证步骤来替换第二步骤 用户。 FMFA系统可用于认证用户访问在线账户,应用和网站上的敏感数据,下载文件,执行在线交易,通过网站或数据存储商店存储信息等。 FMFA系统允许从先前注册的用户获得的注册信息在后续访问或登录到网站时验证用户。

    REGISTRATION, VERIFICATION AND NOTIFICATION SYSTEM
    8.
    发明申请
    REGISTRATION, VERIFICATION AND NOTIFICATION SYSTEM 有权
    注册,验证和通知系统

    公开(公告)号:US20150215889A1

    公开(公告)日:2015-07-30

    申请号:US14678815

    申请日:2015-04-03

    Abstract: A verification and notification system. The system receives information including a telephone number from a user during an attempt by the user to access a service. The telephone number is verified by establishing a short message service (SMS) connection with the user using the received telephone number, and receiving a submitted verification code entered by the user. The received information and verified telephone number are used to complete the registration process and enable the user to access the service. Upon the occurrence of a notification event, an indication of the occurrence of the notification event is transmitted to the verified telephone number. The system receives an acknowledgement of an action associated with the notification event from the user.

    Abstract translation: 验证和通知系统。 在用户尝试访问服务期间,系统从用户接收包括电话号码的信息。 通过使用接收到的电话号码与用户建立短消息服务(SMS)连接并接收用户输入的提交的验证码来验证电话号码。 接收到的信息和验证的电话号码用于完成注册过程并使用户能够访问该服务。 在发生通知事件时,将通知事件的发生的指示发送到经过验证的电话号码。 系统从用户接收与通知事件相关联的动作的确认。

    SYSTEM AND METHOD FOR UTILIZING BEHAVIORAL CHARACTERISTICS IN AUTHENTICATION AND FRAUD PREVENTION
    10.
    发明申请
    SYSTEM AND METHOD FOR UTILIZING BEHAVIORAL CHARACTERISTICS IN AUTHENTICATION AND FRAUD PREVENTION 有权
    使用认证和防范行为特征的系统和方法

    公开(公告)号:US20140282964A1

    公开(公告)日:2014-09-18

    申请号:US13844417

    申请日:2013-03-15

    Abstract: A behavioral characteristics authentication system and method (“BCA system”) that facilitates authentication of the identity of a user, registrant, or applicant of a website, application, or other accessible computer resource using a verification process that incorporates behavioral characteristics. In operation, the BCA system compares a single user's behavior with their previous behavior, a user's behavior with behavior generally attributed to non-fraudulent behavior, or a user's behavior with behavior generally attributed to fraudulent behavior. The population of other users that a user's behavior is compared with may be selected to have similar demographic or other characteristics as the user. By analyzing various behavioral characteristics associated with legitimate or fraudulent multi-factor authentication attempts, the BCA system adds another layer of security to online transactions.

    Abstract translation: 一种行为特征认证系统和方法(“BCA系统”),其使用包含行为特征的验证过程来促进认证网站,应用程序或其他可访问的计算机资源的用户,注册人或申请人的身份。 在操作中,BCA系统将单个用户的行为与其以前的行为进行比较,用户的行为通常归因于非欺诈行为,或用户的行为通常归因于欺诈行为。 可以选择与用户的行为相比较的其他用户的群体具有与用户类似的人口统计学或其他特征。 通过分析与合法或欺诈性多因素身份验证尝试相关的各种行为特征,BCA系统为在线交易增加了另一层安全性。

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