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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
First Claim
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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.

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