Device for Selectively Blocking Remote Purchase Requests

• US 20070136199A1
• Filed: 11/27/2006
• Published: 06/14/2007
• Est. Priority Date: 02/18/2004
• Status: Active Grant

• Current Assignee: Spectrum Patents, Inc. (Brian Yates)
• Original Assignee: Innovation Management Sciences, LLC
• Inventors: Findley, Thomas
• Granted Patent: US 7,657,460 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0637 Approvals
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing financial institution. The method includes receiving and storing a first purchase request information set including an origin and a card number. Further, the origin and the card number are sent to the card issuing financial institution to determine if the origin matches an origin on file for the card number at the card issuing financial institution.

Claims

1. A method for selectively blocking a remote purchase request in which a purchaser attempts to use a card number to make a remote purchase of an item from a vendor'"'"'s system, comprising:

receiving and storing information from a purchase request information set including an origin of the purchase request representing either a telephone number or internet address, a card number, a requested item identification, and a number of requested items;

receiving and storing in a memory a current remote purchase request information set;

providing a logic subsystem separate from said vendor'"'"'s system;

determining, in said logic subsystem, whether the number of items in remote purchase requests from the origin in a same class as the requested item exceeds a threshold number of such items present into said logic subsystem; and

blocking the remote purchase request if the number of items in the same class as the requested item purchased from the origin exceeds the preset threshold number of such items.

2. The method of claim 1, further comprising:

the step of determining further determines whether the number of items in a same class as the requested item purchased from the origin within a set time period exceeds a preset threshold number of such items for the set time period; and

the step of blocking blocks the remote purchase request if the number of items in the same class as the requested item purchased from the origin within the set time period exceeds the preset threshold number of such items for the set time period.

3. The method of claim 1, further comprising:

the number of items in the same class as the requested item includes the number of said item in the remote purchase request.

4. The method of claim 1, wherein a merchant delivers remote purchase requests to a card issuer for approval and processing, further comprising:

the step of determining being made prior to delivery of the remote purchase request to the card issuer; and

the step of blocking further comprises the step of blocking the remote purchase request being delivered to the card issuer.

5. The method of claim 1, further comprising:

determining whether said origin is a public or semi-public telephone; and

blocking said remote purchase request if said origin is a public or semi-public telephone.

6. A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, comprising:

determining, based on a history of purchases made from said origin, a factor related to whether the remote purchase request is legitimate;

generating an indication that the remote purchase request is partially verified if a time period within which goods have previously been purchased using the card number or origin exceeds a numerical calculation including both a set time period and said factor; and

transmitting said indication to said card issuing institution together with data from said purchase request.

7. The method of claim 6 further comprising the steps of:

determining whether said origin is a public or semi-public telephone; and

transmitting to said card issuing institution an indication that said remote purchase request is not partially verified if it is determined that said origin is a public or semi-public telephone.

8. A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, comprising:

determining, based on a history of purchases made from said origin, a factor related to whether the remote purchase request is legitimate;

generating an indication that the remote purchase request is partially verified if a cumulative amount purchased using the card number or origin, including said remote purchase request, within a set period of time is less than or equal to a numerical calculation including both an amount-per-time limit and said first factor; and

transmitting said indication to said card issuing institution together with data from said purchase request.

9. The method of claim 8 further comprising the steps of:

determining whether said origin is a public or semi-public telephone; and

transmitting to said card issuing institution an indication that said remote purchase request is not partially verified if it is determined that said origin is a public or semi-public telephone.

10. A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, comprising:

determining, based on a history of purchases made from said origin, a first factor related to whether the remote purchase request is legitimate;

determining, based on a history of purchases made using said card number, a second factor related to whether the remote purchase request is legitimate;

generating an indication that the remote purchase request is partially verified if a time period within which goods have previously been purchased using the card number or origin exceeds a numerical calculation including both a set time period and a selected one of said first or second factors; and

transmitting said indication to said card issuing institution together with data from said purchase request.

11. The method of claim 10 further comprising the steps of:

determining whether said origin is a public or semi-public telephone; and

transmitting to said card issuing institution an indication that said remote purchase request is not partially verified if it is determined that said origin is a public or semi-public telephone.

12. A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, comprising:

determining, based on a history of purchases made from said origin, a first factor related to whether the remote purchase request is legitimate;

determining, based on a history of purchases made using said card number, a second factor related to whether the remote purchase request is legitimate;

generating an indication that the remote purchase request is partially verified if a cumulative amount purchased using the card number or origin, including said remote purchase request, within a set period of time is less than or equal to a numerical calculation including both an amount-per-time limit and a selected one of said first or second factors; and

transmitting said indication to said card issuing institution together with data from said purchase request.

13. The method of claim 12 further comprising the steps of:

determining whether said origin is a public or semi-public telephone; and

transmitting to said card issuing institution an indication that said remote purchase request is not partially verified if it is determined that said origin is a public or semi-public telephone.