Transaction initiation determination system utilizing transaction data elements

• US 10,176,478 B2
• Filed: 10/23/2013
• Issued: 01/08/2019
• Est. Priority Date: 10/23/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Griggs, Alfred William, Byrne, Brian, Van Deloo, Lori, Sheets, John F., Liu, Fred, Weller, Kevin, Machicao, Andre, Goldberg, Luba, Batchan, Marc, Yuann, Kevin
• Primary Examiner(s): Campen, Kelly S
• Application Number:
  US14/061,715
• Publication Number:
  US 20140114857A1
• Time in Patent Office: 1,903 Days
• Field of Search: 70799901, 235379, 235380, 705 39, 705 42, 705 261, 705 44
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

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.

Claims

1. A method, comprising:

receiving, at a server computer and from a merchant computer, an authorization request message comprising a plurality of data elements associated with a transaction between a user and the merchant computer, the plurality of data elements comprising at least payment device information, access device information, and transaction initiation channel information;

comparing, by the server computer, the plurality of data elements to one or more stored data elements in a database to determine, by the server computer, a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction, the one or more stored data elements stored in a table of data elements that define which data elements are related to which transaction initiation modes, wherein the initiation mode is determined by comparing the plurality of data elements to subsets of stored data elements corresponding to specific transaction initiation modes in the table of data elements;

generating, by the server computer, a credential value based on the plurality of data elements and the determined transaction initiation mode, the credential value being indicative of the transaction initiation mode;

transmitting, by the server computer, the generated credential value to the merchant computer, wherein the merchant computer transmits the generated credential value with the authorization request message to a third-party computer;

determining a security level for the determined transaction initiation mode; and

causing the third-party computer to;

determine, based on the generated credential value, a level of risk and a specific set of rules associated with the transaction initiation mode and, upon determining that the level of risk is below the security level for the determined transaction initiation mode; and

authorize the transaction based at least in part on the authorization request message in accordance with the specific set of rules.

2. The method of claim 1 wherein the plurality of data elements further comprise at least one of information about the merchant computer or information about the third-party computer.

3. The method of claim 1 further comprising requesting, by the server computer and from the merchant computer, additional data elements if the plurality of data elements is insufficient to determine the transaction initiation mode.

4. The method of claim 1 wherein the specific set of rules is used by the third-party computer to determine the risk of the transaction based on the transaction initiation mode.

5. The method of claim 1 wherein the specific set of rules define a cost of processing the transaction.

6. The method of claim 1 further comprising:

creating an electronic receipt comprising the plurality of data elements; and

transmitting the electronic receipt to a device operated to the user.

7. A server computer, comprising:

a processor; and

a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising;

receiving, from a merchant computer, an authorization request message comprising a plurality of data elements associated with a transaction between a user and the merchant computer, the plurality of data elements comprising at least payment device information, access device information, and transaction initiation channel information;

comparing, by the server computer, the plurality of data elements to one or more stored data elements in a database to determine, a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction, the one or more stored data elements stored in a table of data elements that define which data elements are related to which transaction initiation modes, wherein the initiation mode is determined by comparing the plurality of data elements to subsets of stored data elements corresponding to specific transaction initiation modes in the table of data elements;

generating a credential value based on the plurality of data elements and the determined transaction initiation mode, the credential value being indicative of the transaction initiation mode; and

transmitting the generated credential value to the merchant computer, wherein the merchant computer transmits the generated credential value with the authorization request message to a third-party computer;

determining a security level for the determined transaction initiation mode; and

causing the third-party computer to;

determine, based on the generated credential value, a level of risk and a specific set of rules associated with the transaction initiation mode and, upon determining that the level of risk is below the security level for the determined transaction initiation mode; and

authorize the transaction based at least in part on the authorization request message in accordance with the specific set of rules.

8. The server computer of claim 7 wherein the plurality of data elements further comprise at least one of information about the merchant computer or information about the third-party computer.

9. The server computer of claim 7 wherein the method further comprises requesting, from the merchant computer, additional data elements if the plurality of data elements is insufficient to determine the transaction initiation mode.

10. The server computer of claim 7 wherein the specific set of rules is used by the third-party computer to determine the risk of the transaction based on the transaction initiation mode.

11. The server computer of claim 7 wherein the specific set of rules define a cost of processing the transaction.

12. The server computer of claim 7 wherein the method further comprises:

creating an electronic receipt comprising the plurality of data elements; and

transmitting the electronic receipt to a device operated to the user.