RU2016104534A - Обнаружение мошенничества мобильным устройством без обращения к сети - Google Patents
Обнаружение мошенничества мобильным устройством без обращения к сети Download PDFInfo
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Claims (28)
1. Компьютерно-считываемый носитель, содержащий инструкции, которые при исполнении, по меньшей мере, одним процессором, предписывают, по меньшей мере, одному процессору выполнять операции содержащие:
прием на мобильном платежном устройстве данных трансакции, связанных с запрашиваемой финансовой трансакцией;
осуществление доступа к информации поведения, сохраненной локально на мобильном платежном устройстве;
сравнение информации в данных трансакции с информацией поведения на мобильном платежном устройстве без обращения к мобильной сети таким образом, что сравнение может выполняться, когда мобильное платежное устройство находится вне зоны покрытия сети; и
определение на основании сравнения на мобильном платежном устройстве, авторизовать ли запрашиваемую финансовую трансакцию.
2. Компьютерно-считываемый носитель по п.1, причем определение, выполнять ли авторизацию, осуществляется на мобильном платежном устройстве без осуществления связи с удаленным сервером.
3. Компьютерно-считываемый носитель по п.1, причем информация поведения содержит шаблон поведения.
4. Компьютерно-считываемый носитель по п.1, причем упомянутые операции дополнительно содержат прием информации поведения из удаленного сервера и сохранение на мобильном платежном устройстве до запрашиваемой финансовой трансакции.
5. Компьютерно-считываемый носитель по п.1, причем информация поведения, сохраненная локально на мобильном платежном устройстве, включает в себя информацию поведения пользователя мобильного платежного устройства, а также информацию поведения других пользователей.
6. Компьютерно-считываемый носитель по п.5, причем другие пользователи определяются как имеющие информацию поведения, идентичную информации поведения упомянутого пользователя.
7. Компьютерно-считываемый носитель по п.5, причем другие пользователи определяются как имеющие информацию поведения, связанную с мошенническим поведением.
8. Компьютерно-считываемый носитель по п.1, причем упомянутые операции дополнительно содержат передачу сигнала одобрения из мобильного платежного устройства в терминал точки продажи после того, как выполнено определение авторизовать запрашиваемую финансовую трансакцию.
9. Компьютерно-считываемый носитель по п.1, причем сравнение на мобильном платежном устройстве генерирует вероятность того, что запрашиваемая финансовая трансакция является мошеннической.
10. Компьютерно-считываемый носитель по п.9, причем инструкции дополнительно содержат инструктирование пользователя предоставить идентификационную информацию, если упомянутая вероятность превышает пороговое значение.
11. Реализуемый компьютером способ обработки запрашиваемых финансовых трансакций, содержащий этапы, на которых:
принимают на мобильном платежном устройстве данные трансакции, связанные с запрашиваемой финансовой трансакцией;
осуществляют доступ к информации поведения, сохраненной локально на мобильном платежном устройстве;
сравнивают информацию в данных трансакции с информацией поведения на мобильном платежном устройстве без обращения к мобильной сети таким образом, что сравнение может выполняться, когда мобильное платежное устройство находится вне зоны покрытия сети; и
определяют на основании сравнения на мобильном платежном устройстве, авторизовать ли запрашиваемую финансовую трансакцию.
12. Реализуемый компьютером способ по п.11, причем определение, выполнять ли авторизацию, осуществляется на мобильном платежном устройстве без осуществления связи с удаленным сервером.
13. Реализуемый компьютером способ по п.11, причем информация поведения содержит шаблон поведения.
14. Реализуемый компьютером способ по п.11, дополнительно содержащий прием информации поведения из удаленного сервера и сохранение на мобильном платежном устройстве до запрашиваемой финансовой трансакции.
15. Реализуемый компьютером способ по п.11, причем информация поведения, сохраненная локально на мобильном платежном устройстве, включает в себя информацию поведения пользователя мобильного платежного устройства, а также информацию поведения других пользователей.
16. Реализуемый компьютером способ по п.15, причем другие пользователи определяются как имеющие информацию поведения, идентичную информации поведения упомянутого пользователя.
17. Реализуемый компьютером способ по п.15, причем другие пользователи определяются как имеющие информацию поведения, связанную с мошенническим поведением.
18. Реализуемый компьютером способ по п.11, дополнительно содержащий передачу сигнала одобрения из мобильного платежного устройства в терминал точки продажи после того, как выполнено определение авторизовать запрашиваемую финансовую трансакцию.
19. Реализуемый компьютером способ по п.11, причем сравнение на мобильном платежном устройстве генерирует вероятность того, что запрашиваемая финансовая трансакция является мошеннической.
20. Реализуемый компьютером способ по п.19, дополнительно содержащий инструктирование пользователя предоставить идентификационную информацию, если упомянутая вероятность превышает пороговое значение.
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US201361815798P | 2013-04-25 | 2013-04-25 | |
US61/815,798 | 2013-04-25 |
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US (8) | US20160078445A1 (ru) |
EP (1) | EP2989603A4 (ru) |
JP (1) | JP2016522925A (ru) |
CN (1) | CN105339965A (ru) |
AU (1) | AU2014258992A1 (ru) |
BR (1) | BR112015026800A2 (ru) |
HK (1) | HK1224407A1 (ru) |
MX (1) | MX2015014917A (ru) |
RU (1) | RU2016104534A (ru) |
SG (2) | SG10201704592XA (ru) |
WO (1) | WO2014174506A1 (ru) |
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Publication number | Priority date | Publication date | Assignee | Title |
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HK1224407A1 (zh) | 2017-08-18 |
EP2989603A1 (en) | 2016-03-02 |
WO2014174506A1 (en) | 2014-10-30 |
SG11201508369TA (en) | 2015-11-27 |
JP2016522925A (ja) | 2016-08-04 |
AU2014258992A1 (en) | 2015-11-26 |
US20160078445A1 (en) | 2016-03-17 |
US10395251B2 (en) | 2019-08-27 |
EP2989603A4 (en) | 2017-02-01 |
US20160140560A1 (en) | 2016-05-19 |
MX2015014917A (es) | 2016-06-02 |
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