专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明授权

US11423404B2 System and methods for enhanced approval of a payment transaction 有权
公开(公告)号：US11423404B2
公开(公告)日：2022-08-23
申请号：US14711567
申请日：2015-05-13
申请人： MasterCard International Incorporated
发明人： Christopher John Merz , Johan Gerber , Douglas Van Horn , Mark B. Wiesman
IPC分类号： G06Q20/40 , G06Q20/12
摘要： A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.

2. 发明申请

US20220405760A1 SYSTEM AND METHODS FOR ENHANCED APPROVAL OF A PAYMENT TRANSACTION 有权
公开(公告)号：US20220405760A1
公开(公告)日：2022-12-22
申请号：US17893025
申请日：2022-08-22
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Christopher John Merz , Johan Gerber , Douglas Van Horn , Mark B. Wiesman
IPC分类号： G06Q20/40 , G06Q20/12
摘要： A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.

3. 发明申请

US20160335639A1 SYSTEM AND METHODS FOR ENHANCED APPROVAL OF A PAYMENT TRANSACTION 审中-公开
标题翻译：用于增强付款交易的系统和方法
公开(公告)号：US20160335639A1
公开(公告)日：2016-11-17
申请号：US14711567
申请日：2015-05-13
申请人： MasterCard International Incorporated
发明人： Christopher John Merz , Johan Gerber , Douglas Van Horn , Mark B. Wiesman
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/12
摘要： A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent. The method also includes transmitting the authorization request message including the assurance level score to an issuer processor.
摘要翻译：提供了一种用于确定支付交易不是欺诈的置信水平的计算机实现的方法。该方法使用与存储器通信的保证交换（AE）计算机设备来实现。所述方法包括接收与由持卡人通过与商户相关联的网站从商家进行的候选支付交易相关联的认证数据，存储认证数据，从支付处理器接收候选支付交易的授权请求消息，检索基于所述授权请求消息的所述候选支付交易的认证数据，以及基于所述认证数据和所述授权请求消息来计算保证级别得分。保证水平分数表示候选人支付交易不是欺诈性的信心水平。该方法还包括向发行者处理器发送包括保证等级得分的授权请求消息。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式