FRAUD PREVENTION FOR TRANSACTIONS
First Claim
1. A computer-implemented method comprising:
- receiving in real-time a payment authorization request relating to a transaction purported to be by a user and in a time prior to approval of the transaction by a third party payer associated with the payment source, the payment authorization request including a payment source identifier and transaction details including a transaction amount and information describing one or more details of the transaction;
using the payment source identifier, identifying the user including retrieving an identity of the user and an identifier for an authenticating device associated with the user;
prompting the user to confirm or repudiate the transaction;
receiving a payment repudiation responsive to the communication; and
providing to the third party payer a payment repudiation responsive to the payment authorization request.
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Accused Products
Abstract
Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration information for a user, including identities of the user and an authenticating device and a payment source identifier, and storing the registration information. A payment authorization request relating to a transaction purported to be by the user and including the payment source identifier is received. Using the payment source identifier, the identity of the user and the authenticating device is retrieved. A communication is provided to the user including transaction information. The message is delivered to the user at the authenticating device. The method also includes receiving (and subsequently forwarding) either a payment authorization or a payment repudiation responsive to the communication from the user by way of the authenticating device.
20 Citations
26 Claims
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1. A computer-implemented method comprising:
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receiving in real-time a payment authorization request relating to a transaction purported to be by a user and in a time prior to approval of the transaction by a third party payer associated with the payment source, the payment authorization request including a payment source identifier and transaction details including a transaction amount and information describing one or more details of the transaction; using the payment source identifier, identifying the user including retrieving an identity of the user and an identifier for an authenticating device associated with the user; prompting the user to confirm or repudiate the transaction; receiving a payment repudiation responsive to the communication; and providing to the third party payer a payment repudiation responsive to the payment authorization request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification