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ENHANCED FRAUD PROTECTION SYSTEMS AND METHODS

  • US 20100257065A1
  • Filed: 04/02/2009
  • Published: 10/07/2010
  • Est. Priority Date: 04/02/2009
  • Status: Abandoned Application
First Claim
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1. A system for authorizing a purchase, comprising:

  • a fraud protection computer with a processor and a memory device, the memory device including a searchable database with communication device addresses for owners of payment accounts that sellers will accept for payment of goods or services; and

    a communication network connecting the fraud protection computer to the communication devices of the payment account owners;

    whereinthe fraud protection computer receives a request to verify whether the owner of a payment account being used to purchase the goods or services authorizes the purchase, the request including information usable by the fraud protection computer to identify the communication device address associated with the owner of the payment account being used to purchase the goods or services;

    the fraud protection computer searches the database and identifies the communication device address associated with the owner of the payment account being used to purchase the goods or services;

    the fraud protection computer initiates a message to the payment account owner'"'"'s communication device address through the communication network, the message requesting the user of the payment account owner'"'"'s communication device to authorize the purchase by sending a response; and

    the fraud protection computer determines whether a response received from the payment account owner'"'"'s communication device indicates that the purchase is authorized by the user of the payment account owner'"'"'s communication device.

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