SECURITY SYSTEM AND METHOD INCLUDING ALERT MESSAGES

• US 20100280914A1
• Filed: 05/04/2009
• Published: 11/04/2010
• Est. Priority Date: 05/04/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark
• Application Number:
  US12/435,195
• Publication Number:
  US 20100280914A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/32 using wireless devices
• 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 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A server computer is disclosed. It includes a processor; and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for receiving an authorization request message, wherein the authorization request message is associated with a transaction, (ii) code for sending an authorization response message authorizing the transaction, (iii) code for sending a transaction alert message to a consumer device, where the transaction alert message includes information identifying the transaction, (iv) code for receiving an alert response message indicating that the transaction is not authorized, (v) code for sending a termination message, and (vi) code for receiving a chargeback message after sending the termination message.

Claims

1. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor, the computer readable medium comprising (i) code for receiving an authorization request message, wherein the authorization request message is associated with a transaction, (ii) code for sending an authorization response message authorizing the transaction, (iii) code for sending a transaction alert message to a consumer device, wherein the transaction alert message includes information identifying the transaction, (iv) code for receiving an alert response message indicating that the transaction is not authorized, (v) code for sending a termination message, and (vi) code for receiving a chargeback message after sending the termination message.

2. The server computer of claim 1 wherein the transaction is a card not present type of transaction.

3. The server computer of claim 1 wherein the consumer device is a mobile phone.

4. The server computer of claim 1 wherein the termination message is sent to a merchant that is conducting the transaction with a consumer.

5. The server computer of claim 1 wherein the termination message is sent to a merchant that is conducting the transaction with a consumer, and wherein the merchant thereafter sends an order cancellation message to a fulfillment entity, wherein the fulfillment entity is configured to fulfill the transaction by supplying a good that has been purchased by the consumer.

6. A method comprising:

receiving an authorization request message at a server computer, wherein the authorization request message is associated with a transaction;

using the server computer, sending an authorization response message authorizing the transaction;

using the server computer, sending a transaction alert message to a consumer device, wherein the transaction alert message includes information identifying the transaction;

receiving an alert response message at the server computer indicating that the transaction is not authorized;

using the server computer, sending a termination message; and

receiving a chargeback message at the server computer after sending the termination message.

7. The method of claim 6 wherein the transaction is a card not present type of transaction.

8. The method of claim 6 wherein the consumer device is a mobile phone.

9. The method of claim 6 wherein the termination message is sent to a merchant that is conducting the transaction with a consumer.

10. The method of claim 6 wherein the termination message is sent to a merchant that is conducting the transaction with a consumer, and wherein the merchant thereafter sends an order cancellation message to a fulfillment entity, wherein the fulfillment entity is configured to fulfill the transaction by supplying a good that has been purchased by the consumer.

11. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor, the computer readable medium comprising (i) code for sending an authorization request message associated with a transaction, (ii) code for receiving an authorization response message approving the transaction, (iii) code for receiving a termination message after receiving the authorization response message, (iv) code for initiating a termination process for the transaction, and (v) code for sending a chargeback message.

12. The server computer of claim 11 wherein code for initiating the termination process for the transaction includes code for sending an order cancellation message to a fulfillment entity.

13. The server computer of claim 11 wherein the code for initiating the termination process for the transaction includes code for terminating processing for the transaction.

14. The server computer of claim 11 wherein the transaction is a card not present type of transaction.

15. The server computer of claim 11 wherein the server computer is a merchant server computer.

16. A method comprising:

using a server computer, sending an authorization request message associated with a transaction;

receiving an authorization response message approving the transaction at the server computer;

receiving a termination message at the server computer after receiving the authorization response message;

initiating a termination process for the transaction; and

sending a chargeback message.

17. The method of claim 16 wherein initiating the termination process for the transaction includes sending an order cancellation message to a fulfillment entity.

18. The method of claim 16 wherein initiating the termination process for the transaction includes terminating processing for the transaction.

19. The method of claim 16 wherein the transaction is a card not present type of transaction.

20. The method of claim 16 wherein the server computer is a merchant server computer.