Mitchell B Wright

US Patent:

20100005029, Jan 7, 2010

Filed:

Jul 3, 2008

Appl. No.:

12/217419

Inventors:

Mark Allen Nelsen - Oakland CA, US
Nancy Therese Hilgers - Danville CA, US
Mitchell L. Wright - San Mateo CA, US
Pawan Kumar - Foster City CA, US

International Classification:

H04L 9/00

US Classification:

705 76

Abstract:

A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined.

US Patent:

20220209952, Jun 30, 2022

Filed:

Sep 30, 2021

Appl. No.:

17/491116

Inventors:

- San Francisco CA, US
Anup Tripathi - San Mateo CA, US
Sashi Kumar Velur - Austin TX, US
Cristian Dumitru - Austin TX, US
Nicholas Boesel - San Francisco CA, US
Mitchell Wright - San Mateo CA, US
Abhishek Verma - Denver CO, US

International Classification:

H04L 9/32

Abstract:

The present embodiments relate to a sender sharing a credential associated with a user device to a recipient, allowing temporary access to the user device by the recipient. The sender can specify a user in which to share the credential and can set control parameters relating to the use of the user device by the recipient. The authorizing entity computer can transmit an credential identifier to the processing network computer and receive an encrypted credential from the processing network computer. The authorizing entity computer can transmit the encrypted credential to a storage application on the recipient computer. The recipient computer can then transmit a request to the processing network computer for a token and then obtain the token.