Systems and methods for enhanced authorization messages
US12301581B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 12, 2024 |
| Grant date | May 13, 2025 |
| Priority date | — |
| Expiry date | Feb 12, 2044 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2463/102
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Techniques for authorizing a transaction or interaction of a user that is modified by authentication information for the same user are described herein. In embodiments, an authorization request message for a transaction and a session identifier may be received from a transport computer or a resource provider computer. A portion of pre-analyzed data about the user and the one or more interactions may be obtained, from a database, based on the session identifier. A risk analysis for the transaction using the portion of the pre-analyzed data may be performed to generate a value. The authorization request message may be modified to include the portion of the pre-analyzed data and the value. The modified authorization request message may be transmitted to an authorizing computer.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.