INTELLIGENT ESTIMATES IN AUTHORIZATION
First Claim
Patent Images
1. A computer server comprising:
- a processor; and
a memory coupled with the processor;
wherein the processor is configured to;
receive, from a merchant computer associated with a merchant, an authorization request message for a transaction where a final amount associated with the transaction is not known, wherein the authorization request message comprises information about a payment device and a request to calculate an estimated amount for the transaction;
determine the estimated amount for the transaction based at least in part on the information about the payment device and one or more items of information related to the transaction;
include the estimated amount in the authorization request message; and
communicate the authorization request message including the estimated amount to an issuer computer.
1 Assignment
0 Petitions
Accused Products
Abstract
Techniques for providing an intelligent estimated amount for authorization include receiving a request to calculate an estimated amount for a transaction where the final amount is not known at the time of authorization. A payment processing network calculates the estimated amount based on several factors associated with the transaction and provides the estimated amount to an issuer for authorization.
60 Citations
26 Claims
-
1. A computer server comprising:
-
a processor; and a memory coupled with the processor; wherein the processor is configured to; receive, from a merchant computer associated with a merchant, an authorization request message for a transaction where a final amount associated with the transaction is not known, wherein the authorization request message comprises information about a payment device and a request to calculate an estimated amount for the transaction; determine the estimated amount for the transaction based at least in part on the information about the payment device and one or more items of information related to the transaction; include the estimated amount in the authorization request message; and communicate the authorization request message including the estimated amount to an issuer computer. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A method comprising:
-
receiving, by a server computer, from a merchant computer, a request for authorizing a transaction, wherein a final amount associated with the transaction is not known and wherein the request includes; information about a payment device being used for the transaction; information about the merchant associated with the merchant computer; and a request to calculate an estimated amount for the transaction; determining, by the server computer, the estimated amount for the transaction based at least in part on the information about the payment device and the information about the merchant; communicating, by the server computer, the estimated amount to an issuer computer for authorization; receiving, by the server computer, an authorization response from the issuer, the authorization response indicative of whether the estimated amount was approved or denied; and sending, by the server computer, the authorization response including the estimated amount to the merchant computer if the estimated amount is approved. - View Dependent Claims (8, 9, 10, 11, 12)
-
-
13. A non-transitory computer readable medium including a plurality of instructions for controlling a processor to determine an estimated amount for a transaction, the plurality of instructions comprising:
-
instructions that cause the processor to receive an authorization request for the transaction from a merchant computer, the authorization request including information about the transaction and an indication for estimating an amount for the transaction, wherein a final amount for the transaction is not known at the time of receipt of the authorization request; instructions that cause the processor to determine an estimated amount for the transaction based at least in part on the information included in the authorization request and one or more items of information related to the transaction; instructions that cause the processor to send the estimated amount to an issuer computer for authorization; instructions that cause the processor to receive an authorization response message from the issuer computer indicating whether the estimated amount was approved or denied; and instructions that cause the processor to communicate approval of the authorization request to the merchant computer if the estimated amount is approved. - View Dependent Claims (14, 15, 16, 17)
-
-
18. A method comprising:
-
receiving, by an issuer computer, an authorization request from a payment processing network server computer, the authorization request including user payment account information and a first amount for which authorization is requested; determining, by the issuer computer, whether to approve or deny the authorization request based on analysis of the user payment account information, wherein the analysis comprises one or more of; determining a current status of the user payment account; analyzing account history of the user payment account; and determining a current credit balance for the user payment account; and sending, by the issuer computer, an authorization response message to the payment processing network server computer indicating approval of the authorization request and including a second amount that was authorized. - View Dependent Claims (19, 20, 21, 22)
-
-
23. A method comprising:
-
(a) receiving, by a payment processing network server computer from a merchant computer associated with a merchant, an authorization request for authorizing a transaction, wherein the authorization request does not include an amount associated with the transaction and includes an indication for determining an intelligent estimated amount for the transaction; (b) determining, by the payment processing network server computer, that the merchant is registered to request the intelligent estimated amount; (c) determining, by the payment processing network server computer, an algorithm to be used for determining the intelligent estimated amount based at least in part on a merchant category code (MCC) associated with the merchant, wherein the MCC is included in the authorization request; (d) determining, by the payment processing network server computer, one or more performance parameters associated with the merchant; (e) determining, by the payment processing network server computer, pricing information related to the item that is subject of the transaction; (f) determining, by the payment processing network server computer, information related to one or more previous transactions associated with a user payment account number included in the authorization request; (g) determining, by the payment processing network server computer, the intelligent estimated amount using information determined in steps (c)-(f); (h) including, by the payment processing network server computer, the intelligent estimated amount as the transaction amount in the authorization request; and (i) sending, by the payment processing network server computer, the authorization request to an issuer computer. - View Dependent Claims (24, 25, 26)
-
Specification