DYNAMIC SECURITY CODE PUSH
First Claim
Patent Images
1. A computer-implemented method comprising:
- receiving, by a personalized web browsing application, log in information to access at least one of preferences and capabilities of the personalized web browsing application;
permitting, by the personalized web browsing application, access to a form filling tool, in response to the verification of the log in information;
receiving, by the personalized web browsing application, a transaction account holder selection of a transaction account to populate a merchant electronic form with transaction information;
identifying, by the personalized web browsing application, an issuer of the transaction account; and
transmitting, by the personalized web browsing application, a request for a dynamic security code to a transaction account issuer system in response to the identification.
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Accused Products
Abstract
A system and method for fraud prevention is provided. This system and method may comprise a web browser having form filing capabilities. This system may interact with a financial institution to request and receive a dynamic security code to be used in merchant checkout page to complete a transaction.
297 Citations
20 Claims
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1. A computer-implemented method comprising:
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receiving, by a personalized web browsing application, log in information to access at least one of preferences and capabilities of the personalized web browsing application; permitting, by the personalized web browsing application, access to a form filling tool, in response to the verification of the log in information; receiving, by the personalized web browsing application, a transaction account holder selection of a transaction account to populate a merchant electronic form with transaction information; identifying, by the personalized web browsing application, an issuer of the transaction account; and transmitting, by the personalized web browsing application, a request for a dynamic security code to a transaction account issuer system in response to the identification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer-implemented method comprising:
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receiving, by a financial institution computer based system, a request to generate a dynamic security code from a personalized web browsing application, wherein the personalized web browsing application performs electronic form filling; generating, by the financial institution computer based system, the dynamic security code; determining, by the financial institution computer based system, contact information of a holder of a transaction account associated with the request to generate the dynamic security code; transmitting, by the financial institution computer based system, to the transaction account computing device via pre-stored contact information, the dynamic security code; associating, by the financial institution computer based system, a received transaction authorization request message comprising the dynamic security code data with the holder of the transaction account, wherein a merchant transmits the transaction authorization request message to the financial institution computer based system in response to receiving a filled electronic form; and authorizing, by the financial institution computer based system, a transaction associated with the received transaction authorization request message at least partially based on the associating. - View Dependent Claims (18, 19)
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20. A system comprising:
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a processor; a tangible, non-transitory memory configured to communicate with the processor; the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, causes the processor to perform operations; a personalized web browsing application in communication with the processor, wherein the personalized web browsing application is configured to receive log in information to access at least one of preferences and capabilities of the personalized web browsing application, the personalized web browsing application further configured to permit the access to a form filling tool, in response to the verification of the log in information; the personalized web browsing application further configured to receive a transaction account holder selection of a transaction account to populate a merchant electronic form with transaction information; the personalized web browsing application further configured to identify an issuer of the transaction account; and the personalized web browsing application further configured to transmit a request for a dynamic security code to a transaction account issuer system in response to the identification.
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Specification