ENHANCED FRAUD PROTECTION SYSTEMS AND METHODS
First Claim
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.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are disclosed for providing fraud protection for purchases of goods and/or services. Embodiments of the fraud protection systems and methods include communicating with the owner of the financial account offered to pay for the goods and/or services during the purchase approval process to obtain authorization for the purchase from the payment account owner. Other embodiments include sending text messages to the account owner'"'"'s wireless telephone to approve purchases made over the internet Still other embodiments include sending encrypted messages to the payment account owner, while other embodiments include receiving encrypted messages from the payment account owner. Further embodiment include evaluating whether an online purchase is being made from an IP address associated with the payment account'"'"'s owner.
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Citations
23 Claims
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1. A system for authorizing a purchase, comprising:
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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; wherein the 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method, comprising:
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obtaining information identifying the owner of a payment account offered to purchase goods or services over the internet from a prospective purchaser; searching a database using a computer and identifying a telephone number associated with the owner of the payment account offered for the purchase; sending a message to the telephone associated with the owner of the payment account offered for purchase requesting the telephone'"'"'s user to respond to the message if the purchase is authorized; sending a message approving the purchase if at least an appropriate response is received; and sending a message denying the purchase if an appropriate response is not received. - View Dependent Claims (14, 15, 16, 17)
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18. A method, comprising the acts of:
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receiving information identifying a payment account offered by a prospective purchaser when attempting to make a purchase; identifying a communication device address associated with the owner of the payment account offered for purchase, the identifying being done with a computer and being done independently of receiving the communication device address from the prospective purchaser during the purchase request; sending a message to the communication device associated with the owner of the payment account offered for purchase; requesting a response from the communication device associated with the owner of the payment account offered for purchase; authorizing the purchase if at least a response corresponding to criteria established before the receiving is received; and denying the purchase if a response corresponding to criteria established before the receiving is not received. - View Dependent Claims (19, 20, 21, 22, 23)
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Specification