Transaction initiation determination system utilizing transaction data elements

US10176478B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Alfred William Griggs · Menlo Park, US
• Brian Byrne · Irving, US
• Lori D. Van Deloo · Los Altos, US
• John F. Sheets · San Francisco, US
• Fred Liu · Tainan, TW
• Kevin Weller · San Anselmo, US
• Andre Machicao · Atherton, US
• Luba Goldberg · San Francisco, US
• Marc Batchan · Foster City, US
• Kevin Yuann · Foster City, US

Key dates

• Filing date: Oct 23, 2013
• Grant date: Jan 8, 2019
• Expiry date: Jan 2, 2036

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.