METHOD FOR SELECTIVELY VERIFYING OR BLOCKING REMOTE PURCHASE REQUESTS
First Claim
1. A computer system configured to selectively block a remote purchase in which a purchaser attempts to use a card number to purchase one or more of an item from a vendor'"'"'s system, the computer system comprising:
- one or more processors configured to execute one or More computer subsystems, the one or more computer subsystems comprising;
a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer system,wherein the first purchase information request set includes (i) an origin of the first purchase request, the origin representing either a telephone number or internet address, (ii) a card number for the first purchase request, (iii) a requested item identification for an item requested in the first purchase request, the requested item identification being associated with a first merchandise category, and (iv) a number of requested items in the first purchase request for the requested item identification;
a memory subsystem configured to manage storage of the received information from the first purchase request information set,wherein the memory subsystem is further configured to manage storage of previously received purchase request information sets corresponding to a plurality of previous purchase requests, the stored previously received purchase request information sets including a second purchase request information set corresponding to a such purchase request received previously by the vendor'"'"'s computer system from the same origin as the first purchase request, and wherein a requested item identification from the second purchase request information set is also associated with the first merchandise category;
a logic subsystem configured to automatically determine whether a number of items associated with the first merchandise category that are requested in purchase request information sets corresponding to the origin of the first purchase request exceeds a preset threshold number of items associated with the first merchandise category,wherein the number of items associated with the first merchandise category that are requested in purchase requests corresponding to the origin of the first purchase request comprises at least the number of items associated with the first merchandise category requested in the first purchase request and the number of items associated with the first merchandise category requested in the second purchase request, andwherein the logic subsystem is further configured to transmit instructions to the vendor'"'"'s computer system to block the purchase associated with the first purchase request responsive to a determination that the number of items associated with the first merchandise category that are requested in purchase request information requests corresponding to the origin of the first purchase request exceeds the preset threshold number of such items.
5 Assignments
0 Petitions
Accused Products
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.
-
Citations
16 Claims
-
1. A computer system configured to selectively block a remote purchase in which a purchaser attempts to use a card number to purchase one or more of an item from a vendor'"'"'s system, the computer system comprising:
one or more processors configured to execute one or More computer subsystems, the one or more computer subsystems comprising; a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer system, wherein the first purchase information request set includes (i) an origin of the first purchase request, the origin representing either a telephone number or internet address, (ii) a card number for the first purchase request, (iii) a requested item identification for an item requested in the first purchase request, the requested item identification being associated with a first merchandise category, and (iv) a number of requested items in the first purchase request for the requested item identification; a memory subsystem configured to manage storage of the received information from the first purchase request information set, wherein the memory subsystem is further configured to manage storage of previously received purchase request information sets corresponding to a plurality of previous purchase requests, the stored previously received purchase request information sets including a second purchase request information set corresponding to a such purchase request received previously by the vendor'"'"'s computer system from the same origin as the first purchase request, and wherein a requested item identification from the second purchase request information set is also associated with the first merchandise category; a logic subsystem configured to automatically determine whether a number of items associated with the first merchandise category that are requested in purchase request information sets corresponding to the origin of the first purchase request exceeds a preset threshold number of items associated with the first merchandise category, wherein the number of items associated with the first merchandise category that are requested in purchase requests corresponding to the origin of the first purchase request comprises at least the number of items associated with the first merchandise category requested in the first purchase request and the number of items associated with the first merchandise category requested in the second purchase request, and wherein the logic subsystem is further configured to transmit instructions to the vendor'"'"'s computer system to block the purchase associated with the first purchase request responsive to a determination that the number of items associated with the first merchandise category that are requested in purchase request information requests corresponding to the origin of the first purchase request exceeds the preset threshold number of such items. - View Dependent Claims (2, 3, 4, 5)
-
6. A computer system configured to partially verify the legitimacy of a remote purchase request to a vendor'"'"'s computer system based on a card number from a card issuing institution and an origin from which said remote purchase request is made, the system comprising:
one or more processors configured to execute one or more computer subsystems, the one or more computer subsystems comprising; a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer system, wherein the first purchase request information set includes an origin of the first purchase request and a card number for the first purchase request; a memory subsystem configured to manage storage of the first purchase request information set, wherein the memory subsystem is further configured to manage storage of the one or more past purchase request information sets associated with a history of purchases made from the origin, wherein such one or more past purchase request information sets include at least a second purchase request information set that corresponds to a second purchase request previously generated from the origin, wherein the memory subsystem is further configured to manage storage of one or more past purchase request information sets associated with a history of purchases made with the card number, and wherein such one or more past purchase request information sets include at least a third purchase request information set that corresponds to a previously received third purchase request using the card number; and a logic subsystem configured to automatically determine (i) an origin history factor related to the legitimacy of purchase requests from the origin, wherein the origin history factor is determined based on information from at least the second purchase request information set and a time period between the second purchase request and the first purchase request, and (ii) a card number history factor related to the legitimacy of purchase requests using the card number, wherein the card number history factor is determined based on information from at least the third purchase request information set and a time period between the third purchase request and the first purchase request, wherein the logic subsystem is further configured to determine whether the first purchase request should be verified based on the origin history factor and the card number history factor, and, responsive to a determination based on the origin history factor and the card number history factor that the first purchase request should be verified, to generate and transmit an indication that the first purchase request is partially verified together with data related to said first purchase request to the card issuing institution. - View Dependent Claims (7, 8, 9, 10)
-
11. A computer system configured to partially verify the legitimacy of a remote purchase request to a vendor'"'"'s computer system based on a card number from a card issuing institution and an origin from which said remote purchase request is made, the system comprising:
one or more processors configured to execute one or more computer subsystems, the one or more computer subsystems comprising; a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer system, wherein the first purchase request information set includes an origin of the first purchase request and a card number for the first purchase request; a memory subsystem configured to manage storage of the first purchase request information set, wherein the memory subsystem also manages storage of previously received information from previous remote purchase requests, including information from at least one previous remote purchase request from the origin and information from at least one previous remote purchase request using the card number; a logic subsystem configured to automatically determine i) a first factor related to whether the purchase request is legitimate based on a history of purchase requests from said origin stored in the electronic memory subsystem and a time period between the received remote purchase request and a previous remote purchase request from the origin, and ii) a second factor related to whether the remote purchase request is legitimate based on a history of purchase requests using said card number stored in the electronic memory subsystem and a time period between the received remote purchase request and a previous remote purchase request, wherein the logic subsystem is further configured to automatically determine whether the purchase request should be verified based on the first factor and the second factor, and responsive to a determination based on the first factor and the second factor that the received remote purchase request should be verified, to generate and transmit an indication that the remote purchase request is partially verified together with data from said purchase request to the card issuing institution. - View Dependent Claims (12, 13, 14)
-
15. A computer-implemented method for selectively blocking a remote purchase in which a purchaser attempts to use a card number to purchase one or more of an item from a vendor'"'"'s system, wherein the method is implemented in a purchase verification computer system configured to detect potentially fraudulent transactions, comprising:
-
receiving at the purchase verification computer system, a first purchase request information set corresponding to a first purchase request to the vendor'"'"'s system, wherein the first purchase information request set includes (i) an origin of the first purchase request, the origin representing either a telephone number or internet address, (ii) a card number for the first purchase request, (iii) a requested item identification for an item requested in the first purchase request, (iv) a number of requested items in the first purchase request for the requested item identification, and v) a time corresponding to the first purchase request, storing, to an electronic memory subsystem accessible by the purchase verification computer system, the first purchase request information set, wherein the electronic memory subsystem also stores previously received purchase request information sets corresponding to a plurality of previous purchase requests, the stored previously received purchase request information sets including a second purchase request information set corresponding to a second purchase request previously received by the vendor'"'"'s system from the same origin of the first purchase request using the same card number as the first purchase request for the item having the same requested item identification as was included in the first purchase request; automatically determining in the purchase verification computer system whether a number of items that are requested in purchase request information sets corresponding to the same origin as the first purchase request, using the card number of the first purchase request, and requesting the item having the same requested item identification as was included in the first purchase request exceeds a preset threshold purchased using the card number within a time period corresponding to the preset threshold, wherein the number of items that are requested in purchase requests using the card number of the first purchase request comprises at least the number of items requested in the first purchase request and the number of items requested in the second purchase request; and automatically transmitting instructions from the purchase verification computer system to the vendor'"'"'s system to block the purchase associated with the first purchase request responsive to a determination that the number of items that are requested in the purchase requests corresponding to the same origin as the first purchase request, using the same card number of the first purchase request, and requesting the item having the same requested item identification as was included in the first purchase request exceeds the preset threshold purchased using the card number within the time period corresponding to the preset threshold. - View Dependent Claims (16)
-
Specification