DYNAMIC SECURITY CODE PUSH

• US 20130346314A1
• Filed: 08/26/2013
• Published: 12/26/2013
• Est. Priority Date: 10/02/2007
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Mogollon, Francisco, McCabe, Colin T.
• Granted Patent: US 9,747,598 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06F 40/174 Form filling; Merging
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

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.

Claims

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.

2. The method of claim 1, further comprising populating, by the personalized web browsing application, transaction information in electronic fields of the merchant electronic form.

3. The method of claim 1, wherein the dynamic security code generated by the transaction account issuer system is transmitted to a transaction account holder computing device.

4. The method of claim 1, wherein the transaction account issuer system determines at least one of a pre-stored contact channel and contact address of the transaction account holder.

5. The method of claim 4, wherein the contact address is at least one of an email address, an instant messaging address, a social media contact address, a telephone number, a SMS address, mobile application messaging address, a mobile device messaging address.

6. The method of claim 4, wherein at least one of the contact channel and the contact address of the transaction account holder is transmitted to the personalized web browsing application by the transaction account issuer system.

7. The method of claim 6, further comprising displaying, by the personalized web browsing application, a message to the transaction account holder indicating the dynamic security code is being transmitted to at least one of the pre-stored contact channel and the contact address of the transaction account holder.

8. The method of claim 4, wherein at least one of the contact channel and the contact address of the transaction account holder are hosted by a host of the personalized web browsing application.

9. The method of claim 1, wherein the transaction account holder populates a received dynamic security code into a security code field of the merchant electronic form.

10. The method of claim 1, wherein the populating by the transaction account holder is by at least one of selecting a link and entering information into a field.

11. The method of claim 1, wherein the transaction account issuer system associates a received transaction authorization request comprising the dynamic security code with the transaction account holder.

12. The method of claim 1, further comprising transmitting, by the personalized web browsing application, the merchant electronic form comprising the transaction information to a merchant associated with a transaction.

13. The method of claim 1, wherein a merchant utilizes the received merchant electronic form information in a transaction authorization request message.

14. The method of claim 1, further comprising verifying the log in information.

15. The method of claim 1, wherein the transaction account issuer provides a chargeback protection to a transaction based on use of the personalized web browsing application.

16. The method of claim 1, further comprising transmitting, by the personalized web browsing application, enhanced authorization data to the transaction account issuer.

17. A computer-implemented method comprising:

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.

18. The method of claim 17, wherein the personalized web browsing application displays a message to the holder of the transaction account indicating the dynamic security code is being transmitted to contact information of the transaction account holder.

19. The method of claim 18, wherein the holder of the transaction account populates the dynamic security code in a security code field of a merchant electronic form.

20. A system comprising:

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.