Method and system for identifying users and detecting fraud by use of the internet
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-040/00
G06F-021/73
G06Q-020/40
G06Q-030/00
G06Q-020/04
출원번호
US-0248867
(2008-10-09)
등록번호
US-8862514
(2014-10-14)
발명자
/ 주소
Eisen, Ori
출원인 / 주소
The 41st Parameter, Inc.
대리인 / 주소
Wilson Sonsini Goodrich & Rosati
인용정보
피인용 횟수 :
19인용 특허 :
26
초록▼
A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock
A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock of the computer used by the actual fraudulent use and the potentially fraudulent user and the clock of the server computer in conjunction with personal information and/or non-personal information, preferably the Browser ID.
대표청구항▼
1. A fingerprinting method to identify a user computer from other computers for an online transaction with an electronic commerce business comprising the steps of: creating, with aid of a processor, a first computer identifier in the course of a first online transaction with the electronic commerce
1. A fingerprinting method to identify a user computer from other computers for an online transaction with an electronic commerce business comprising the steps of: creating, with aid of a processor, a first computer identifier in the course of a first online transaction with the electronic commerce business, and a second computer identifier in the course of a second online transaction with the electronic commerce business, wherein the first computer identifier identifies the user computer, wherein each computer identifier includes a delta of time parameter defined during the course of the online transaction by a time difference measured between a first clock measurement equal to a user computer local time and a second clock measurement equal to an electronic commerce business local time over a selected time interval;flagging the first computer identifier in response to determining the first online transaction may be a fraudulent transaction;comparing, with aid of the processor, the first computer identifier and the second computer identifier;determining, with aid of the processor, that a measured difference between the delta of time parameter of the first computer identifier and the delta of time parameter of the second computer identifier falls within a selected range; andindicating, to the electronic commerce business, that the user computer was used in the first online transaction and the second online transaction, based at least on the determination that the measured difference falls within the selected range. 2. The method as recited in claim 1, wherein the first clock measurement and the second clock measurement are each a measured using a JavaScript. 3. A non-transitory computer readable medium having instructions stored thereon that, when executed by a processor, cause the processor to perform a method to identify a user computer from other computers for an online transaction with an electronic commerce business, the method comprising: creating a first computer identifier in the course of a first online transaction with the electronic commerce business, and a second computer identifier in the course of a second online transaction with the electronic commerce business, wherein the first computer identifier identifies the user computer, wherein each computer identifier includes a delta of time parameter defined during the course of the online transaction by a time difference measured between a first clock measurement equal to a user computer local time and a second clock measurement equal to an electronic commerce business local time over a selected time interval;flagging the first computer identifier in response to determining the first online transaction may be a fraudulent transaction;comparing the first computer identifier and the second computer identifier;determining that a measured difference between the delta of time parameter of the first computer identifier and the delta of time parameter of the second computer identifier falls within a selected range; andindicating, to the electronic commerce business, that the user computer was used in the first online transaction and the second online transaction, based at least on the determination that the measured difference falls within the selected range. 4. The method as recited in claim 1, wherein each computer identifier further includes additional parameters including personal identification information. 5. The method as recited in claim 4, wherein the personal identification information includes consumer identification information. 6. The method as recited in claim 5, wherein the consumer identification information includes at least one of the following: consumer name, address, billing information, shipping information, telephone number and e-mail address. 7. The method as recited in claim 1, wherein each computer identifier further includes at least one non-personal identification parameter. 8. The method as recited in claim 7, wherein the non-personal identification parameter is computer identification information. 9. The method as recited in claim 8, wherein the computer identification information includes an Internet parameter. 10. The method as recited in claim 9, wherein the Internet parameter is a CGI parameter. 11. The method as recited in claim 10, wherein the CGI parameter includes a Browser ID. 12. The method as recited in claim 1, wherein each computer identifier includes relevant time zone information in which the user computer is physically located. 13. The method as recited in claim 1, wherein the delta of time parameter is stored as a range of time.
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이 특허에 인용된 특허 (26)
Ronning,Joel A.; Wical,Kelly J., Electronic commerce system and method for detecting fraud.
Lappington John P. ; Marshall Susan K. ; Yamamoto Wayne Y. ; Wilson Cameron A. ; Berkobin Eric C. ; Simons Richard S., Interactive television security through transaction time stamping.
Dujari,Rajeev; Wang,Biao; Hawkins,John M.; Rouskov,Yordan; Erdogan,Samim, Method and system of integrating third party authentication into internet browser code.
Boulware, Van W., Method of conducting anti-fraud electronic bank security transactions having price-date-time variables and calculating apparatus thereof.
Wood, David L.; Norton, Derk; Weschler, Paul; Ferris, Chris; Wilson, Yvonne, Single sign-on framework with trust-level mapping to authentication requirements.
Ginter Karl L. ; Shear Victor H. ; Sibert W. Olin ; Spahn Francis J. ; Van Wie David M., Systems and methods for secure transaction management and electronic rights protection.
Abraham,Magid; Brown,Michael; Heyman,Steve, Systems and methods for user identification, user demographic reporting and collecting usage data usage biometrics.
Rosen Sholom S., Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized.
Khanwalkar, Manoj; Camacho, Adler; Van Lare, Stephen; Winkler, Omer; Tuttle, Luke David; Patel, Surag I., Data structures for intelligently resolving deterministic and probabilistic device identifiers to device profiles and/or groups.
McMillan, Helen; Skurtovich, John Lawrence; Kress, Anita; Sumida, Timothy; McVey, Michael Charles, Systems and methods for providing an integrated identifier.
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