METHODS AND SYSTEMS FOR ELECTRONIC COMMERCE VERIFICATION
First Claim
1. A computer system for fraud detection in a payment card transaction system, the computer system comprising:
- a memory device for storing data; and
a fraud detection computer system comprising a processor, the processor in communication with the memory device, said computer system programmed to;
receive a card transaction authorization request message for a payment card transaction initiated with a merchant, the card transaction authorization request message including a plurality of data elements to be verified and a verification request indicator;
determine whether the verification request indicator is valid;
transmit the card transaction authorization request message and verification request indicator to an issuer associated with the payment card used in the transaction;
receive a card transaction authorization response message from the issuer, the card transaction authorization response message including an issuer authorization decision and a verification indicator associated with each data element verified by the issuer, the verification indicator indicating a status of a verification of the data element with data stored in one or more databases of the issuer; and
transmit the card transaction authorization response message to the merchant.
1 Assignment
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Accused Products
Abstract
A computer system for fraud detection in a payment card transaction system is provided. The computer system is programmed to receive a card transaction authorization request message for a payment card transaction initiated with a merchant that includes a plurality of data elements to be verified and a verification request indicator, determine whether the verification request indicator is valid, transmit the request message and verification request indicator to an issuer associated with the payment card, and receive a card transaction authorization response message from the issuer that includes an issuer authorization decision and a verification indicator associated with each data element verified by the issuer. The verification indicator indicates a status of a verification of the data element with data stored in one or more databases of the issuer. The computer system is further programmed to transmit the card transaction authorization response message to the merchant.
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Citations
24 Claims
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1. A computer system for fraud detection in a payment card transaction system, the computer system comprising:
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a memory device for storing data; and a fraud detection computer system comprising a processor, the processor in communication with the memory device, said computer system programmed to; receive a card transaction authorization request message for a payment card transaction initiated with a merchant, the card transaction authorization request message including a plurality of data elements to be verified and a verification request indicator; determine whether the verification request indicator is valid; transmit the card transaction authorization request message and verification request indicator to an issuer associated with the payment card used in the transaction; receive a card transaction authorization response message from the issuer, the card transaction authorization response message including an issuer authorization decision and a verification indicator associated with each data element verified by the issuer, the verification indicator indicating a status of a verification of the data element with data stored in one or more databases of the issuer; and transmit the card transaction authorization response message to the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of detecting fraud in a payment card transaction using a fraud detection computing device in communication with a memory device, said method comprising:
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receiving, at the fraud detection computing device, a card transaction authorization request message for a payment card transaction initiated with a merchant, the card transaction authorization request message including a plurality of data elements to be verified and a verification request indicator; determining whether the verification request indicator is valid; transmitting the card transaction authorization request message and verification request indicator to an issuer computing device, the issuer computing device associated with an issuer bank having issued the payment card used in the transaction; receiving a card transaction authorization response message from the issuer computing device, the card transaction authorization response message including an issuer authorization decision and a verification indicator associated with each data element verified by the issuer, the verification indicator indicating a status of a verification of the data element with data stored in one or more databases of the issuer; and transmitting the card transaction authorization response message to the merchant. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:
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receive a card transaction authorization request message for a payment card transaction initiated with a merchant, the card transaction authorization request message including a plurality of data elements to be verified and a verification request indicator; determine whether the verification request indicator is valid; transmit the card transaction authorization request message and verification request indicator to an issuer associated with the payment card used in the transaction; receive a card transaction authorization response message from the issuer, the card transaction authorization response message including an issuer authorization decision and a verification indicator associated with each data element verified by the issuer, the verification indicator indicating a status of a verification of the data element with data stored in one or more databases of the issuer; and transmit the card transaction authorization response message to the merchant. - View Dependent Claims (22, 23, 24)
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Specification