Card systems and methods
US11030622B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 10, 2016 |
| Grant date | Jun 8, 2021 |
| Priority date | — |
| Expiry date | Jun 7, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4014
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Systems and methods for identifying potentially illicit purchases, especially in card-not-present transactions. In one implementation, a merchant transaction system comprises a processor and memory. The system receives a transaction request from a customer for a card-not-present sale transaction. The system transmits over an electronic network a transaction risk request message to a transaction risk evaluator, and receives over the electronic network a reply message from the transaction risk evaluator, indicating a level of risk associated with the sale transaction. The system can decide whether to proceed with the card-not-present sale transaction based at least in part on the content of the reply message.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.