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System and method for using cardholder context and preferences in transaction authorization

  • US 10,043,182 B1
  • Filed: 10/22/2013
  • Issued: 08/07/2018
  • Est. Priority Date: 10/22/2013
  • Status: Active Grant
First Claim
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1. A computer-implemented method, in a context correlation server of a data network implemented at least partially in hardware, for correlating merchant context to user preferences for transactions to improve transaction security of an issuer processor device when processing payment authorization requests associated with payment cards, the method comprising:

  • receiving user preference information for a plurality of users, wherein the user preference information comprises at least rules that;

    a payment card may only be used if a merchant is within a proximity of the cardholder, limit transaction types, limit transaction amounts, limit payment types, and limit merchant types;

    receiving context information updates from user devices in real-time, wherein the context information comprises at least current geo-location information and one other context data relevant to user preferences;

    receiving, from the issuer processor making a determination of whether to authorize a specific transaction, a specific payment authorization request from a specific merchant device during the specific transaction, wherein the specific payment authorization includes at least one context data relevant to user preferences,determining a specific cardholder'"'"'s context based on transmissions received from a specific user device associated with the specific cardholder using the specific payment card;

    determining a transaction context of the specific merchant based on parsing network packets associated with the specific payment authorization request, wherein the parsing identifies a location of the specific merchant and at least one other context data, and wherein parsing the specific payment authorization request is based at least in part on the ISO (International Standards Organization) 8583 protocol for data arrangement of at least merchant information within the specific payment authorization request;

    applying the specific cardholder'"'"'s context in view of the user preferences to the transaction context including;

    (a) comparing geo-physical coordinates of the specific user device to geo-physical coordinates of the specific merchant device, wherein the specific merchant geo-physical coordinates are determined by mapping merchant city information from the specific payment authorization request to a known city name comprises;

    Map the city name to a known database;

    and when no mapping match occurrs, by generating a set of tokens comprising an alphanumeric substring of the merchant city information identified from the parsing;

    replacing any of the set of tokens with a matching canonical token; and

    matching the newly generated string against a second database of geographical regions; and

    (b) comparing the at least one other context data;

    responsive to a positive comparison of the specific cardholder'"'"'s context in view of the user preferences to the transaction context of the geo-physical coordinates, approving the specific payment authorization request, wherein the positive comparison is due to an acceptable proximity between the geo-physical coordinates, and a positive comparison of the at least one other context data to at least one user preference, wherein the specific payment authorization is received over the data network; and

    sending, to the issuer processor, the approval to the specific payment authorization request over the network to the issuer processor device in the authorization determination to the specific merchant device regarding the specific transaction.

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