Device for selectively blocking remote purchase requests
First Claim
1. A computer-implemented method for selectively blocking a remote purchase in which a purchaser attempts to use a card number to purchase one or more of an item from a vendor'"'"'s system, wherein the method is implemented in a purchase verification computer system configured to detect potentially fraudulent transactions, comprising:
- receiving at the purchase verification computer system, a first purchase request information set corresponding to a first purchase request to the vendor'"'"'s system,wherein the first purchase information request set includes (i) an origin of the first purchase request, the origin representing either a telephone number or internet address, (ii) a card number for the first purchase request, (iii) a requested item identification for an item requested in the first purchase request, the requested item identification being associated with a first merchandise category, and (iv) a number of requested items in the first purchase request for the requested item identification;
storing, to an electronic memory subsystem accessible by the purchase verification computer system, the first purchase request information set,wherein the electronic memory subsystem also stores previously received purchase request information sets corresponding to a plurality of previous purchase requests, the stored previously received purchase request information sets including a second purchase request information set corresponding to a second purchase request previously received by the vendor'"'"'s system from the same origin as the first purchase request, and wherein a requested item identification from the second purchase request information set is also associated with the first merchandise category;
automatically determining in the purchase verification computer system whether a number of items associated with the first merchandise category that are requested in purchase request information sets corresponding to the origin of the first purchase request exceeds a preset threshold number of items associated with the first merchandise category,wherein the number of items associated with the first merchandise category that are requested in purchase requests corresponding to the origin of the first purchase request comprises at least the number of items associated with the first merchandise category requested in the first purchase request and the number of items associated with the first merchandise category requested in the second purchase request; and
automatically transmitting instructions from the purchase verification computer system to the vendor'"'"'s system to block the purchase associated with the first purchase request responsive to a determination that the number of items associated with the first merchandise category that are requested in purchase request requests corresponding to the origin of the first purchase request exceeds the preset threshold number of such items.
6 Assignments
0 Petitions
Accused Products
Abstract
A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing financial institution. The method includes receiving and storing a first purchase request information set including an origin and a card number. Further, the origin and the card number are sent to the card issuing financial institution to determine if the origin matches an origin on file for the card number at the card issuing financial institution.
55 Citations
9 Claims
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1. A computer-implemented method for selectively blocking a remote purchase in which a purchaser attempts to use a card number to purchase one or more of an item from a vendor'"'"'s system, wherein the method is implemented in a purchase verification computer system configured to detect potentially fraudulent transactions, comprising:
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receiving at the purchase verification computer system, a first purchase request information set corresponding to a first purchase request to the vendor'"'"'s system, wherein the first purchase information request set includes (i) an origin of the first purchase request, the origin representing either a telephone number or internet address, (ii) a card number for the first purchase request, (iii) a requested item identification for an item requested in the first purchase request, the requested item identification being associated with a first merchandise category, and (iv) a number of requested items in the first purchase request for the requested item identification; storing, to an electronic memory subsystem accessible by the purchase verification computer system, the first purchase request information set, wherein the electronic memory subsystem also stores previously received purchase request information sets corresponding to a plurality of previous purchase requests, the stored previously received purchase request information sets including a second purchase request information set corresponding to a second purchase request previously received by the vendor'"'"'s system from the same origin as the first purchase request, and wherein a requested item identification from the second purchase request information set is also associated with the first merchandise category; automatically determining in the purchase verification computer system whether a number of items associated with the first merchandise category that are requested in purchase request information sets corresponding to the origin of the first purchase request exceeds a preset threshold number of items associated with the first merchandise category, wherein the number of items associated with the first merchandise category that are requested in purchase requests corresponding to the origin of the first purchase request comprises at least the number of items associated with the first merchandise category requested in the first purchase request and the number of items associated with the first merchandise category requested in the second purchase request; and automatically transmitting instructions from the purchase verification computer system to the vendor'"'"'s system to block the purchase associated with the first purchase request responsive to a determination that the number of items associated with the first merchandise category that are requested in purchase request requests corresponding to the origin of the first purchase request exceeds the preset threshold number of such items. - View Dependent Claims (2, 3, 4, 5)
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6. A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, comprising:
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receiving, at a purchase verification computer system configured to detect potentially fraudulent transactions, a first purchase request information set corresponding to a first purchase request to the vendor'"'"'s system, wherein the first purchase request information set includes an origin of the first purchase request and a card number for the first purchase request; storing, via the purchase verification computer system, the received first purchase request information set to electronic storage media accessible to the purchase verification computer system, wherein the electronic storage media further stores one or more past purchase request information sets associated with a history of purchases made from the origin, wherein such one or more past purchase request information sets include at least a second purchase request information set that corresponds to a second purchase request previously generated from the origin, wherein the electronic storage media further stores one or more past purchase request information sets associated with a history of purchases made with the card number, and wherein such one or more past purchase request information sets include at least a third purchase request information set that corresponds to a previously received third purchase request using the card number; determining automatically within the purchase verification computer system an origin history factor related to the legitimacy of purchase requests from the origin, wherein the origin history factor is determined by the purchase verification computer system based on information from at least the second purchase request information set and a time period between the second purchase request and the first purchase request; determining automatically within the purchase verification computer system a card number history factor related to the legitimacy of purchase requests using the card number, wherein the card number history factor is determined by the purchase verification computer system based on information from at least the third purchase request information set and a time period between the third purchase request and the first purchase request;
determining automatically within the purchase verification computer system whether the first purchase request should be verified based on the origin history factor and the card number history factor;automatically generating by the purchase verification computer system an indication that the first purchase request is partially verified responsive to a determination based on the origin history factor and the card number history factor that the first purchase request should be verified; and automatically transmitting said indication from the purchase verification computer system to said card issuing institution together with data related to said first purchase request. - View Dependent Claims (7)
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8. A computer-implemented method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, wherein the method is implemented in a purchase verification computer system configured to detect potentially fraudulent transactions, the method comprising:
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receiving, at the purchase verification computer system, information included in a remote purchase request made to a vendor'"'"'s computer system, wherein the received information includes the origin of the remote purchase request, and a card number used by the remote purchase request; storing to an electronic memory subsystem, via the purchase verification computer system, the received information from the remote purchase request to electronic storage media accessible to the purchase verification computer system, wherein the electronic memory subsystem also stores previously received information from previous remote purchase requests, including information from at least one previous remote purchase request from the origin and information from at least one previous remote purchase request using the card number; determining automatically on the purchase verification computer system, based on a history of purchase requests from said origin stored in the electronic memory subsystem and a time period between the received remote purchase request and a previous remote purchase request from the origin, a first factor related to whether the purchase request is legitimate; determining automatically on the purchase verification computer system, based on a history of purchase requests using said card number stored in the electronic memory subsystem and a time period between the received remote purchase request and a previous remote purchase request, a second factor related to whether the remote purchase request is legitimate; determining automatically within the purchase verification computer system whether the purchase request should be verified based on the first factor and the second factor; automatically generating by the purchase verification computer system an indication that the remote purchase request is partially verified responsive to a determination based on the first factor and the second factor that the received remote purchase request should be verified; and automatically initiating transmission of said indication from the purchase verification computer system to said card issuing institution together with data from said purchase request. - View Dependent Claims (9)
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Specification