Method for selectively verifying or blocking remote purchase requests

• US 8,180,687 B2
• Filed: 02/01/2010
• Issued: 05/15/2012
• Est. Priority Date: 02/02/1998
• Status: Expired due to Fees

• Current Assignee: Spectrum Patents, Inc. (Brian Yates)
• Original Assignee: Searchlite Advances LLC (Innovation Management Sciences, LLC)
• Inventors: Findley, Thomas A.
• Primary Examiner(s): Rosen, Nicholas D
• Application Number:
  US12/697,929
• Publication Number:
  US 20100138313A1
• Time in Patent Office: 834 Days
• Field of Search: 705/26.1, 705/44, 705/75, 705/26.35, 235/380
• US Class Current: 705/26.35
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0637 Approvals
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

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.

Claims

1. A computer system configured to selectively block 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, the computer system comprising:

one or more processors configured to execute one or more computer subsystems, the one or more computer subsystems comprising;

a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer 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;

a memory subsystem configured to manage storage of the received information from the first purchase request information set,

wherein the memory subsystem is further configured to manage storage of 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 such purchase request received previously by the vendor'"'"'s computer 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;

a logic subsystem configured to automatically determine 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

wherein the logic subsystem is further configured to transmit instructions to the vendor'"'"'s computer 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 information requests corresponding to the origin of the first purchase request exceeds the preset threshold number of such items.

2. The computer system of claim 1, wherein the logic subsystem is further configured to determine whether the number of items associated with the first merchandise category within a set time period exceeds a preset threshold number of such items for the set time period when the logic subsystem determines whether the 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 the preset threshold number.

3. The computer system of claim 1, wherein the number of items in the first merchandise category includes the number of requested items in the first purchase request for the requested item identification.

4. The computer system of claim 1, wherein the logic subsystem is configured to determine whether the number of items in purchase request information sets corresponding to the origin in the first merchandise category exceeds the preset threshold number prior to delivery of the remote purchase request to a card issuer by the vendor;

and wherein the logic subsystem is configured to automatically transmit instructions to block the purchase associated with the first remote purchase request that results in blocking of the first purchase request from being delivered to the card issuer.

5. The computer system of claim 1, wherein the logic subsystem is further configured to transmit instructions to the vendor'"'"'s computer system to block the purchase associated with the first purchase request responsive to a determination that the origin of the first purchase request has generated a fraudulent purchase in the past.

6. A computer system configured to partially verify the legitimacy of a remote purchase request to a vendor'"'"'s computer system based on a card number from a card issuing institution and an origin from which said remote purchase request is made, the system comprising:

one or more processors configured to execute one or more computer subsystems, the one or more computer subsystems comprising;

a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer 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;

a memory subsystem configured to manage storage of the first purchase request information set,

wherein the memory subsystem is further configured to manage storage of the 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 memory subsystem is further configured to manage storage of 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; and

a logic subsystem configured to automatically determine (i) an origin history factor related to the legitimacy of purchase requests from the origin, wherein the origin history factor is determined 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, and (ii) a card number history factor related to the legitimacy of purchase requests using the card number, wherein the card number history factor is determined 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,

wherein the logic subsystem is further configured to determine whether the first purchase request should be verified based on the origin history factor and the card number history factor, and, responsive to a determination based on the origin history factor and the card number history factor that the first purchase request should be verified, to generate and transmit an indication that the first purchase request is partially verified together with data related to said first purchase request to the card issuing institution.

7. The computer system of claim 6, wherein the time period between the third purchase request and the first purchase request is at least one month.

8. The computer system of claim 6, wherein the time period between the second purchase request and the first purchase request is at least one month.

9. The computer system of claim 6, wherein the logic subsystem is further configured i) to determine a preset threshold based at least on the origin history factor and the card number history factor, ii) to determine a total monetary value of the first purchase request and previous purchase requests from the same origin as the first purchase request made within a time period corresponding to the preset threshold, and iii) to determine whether the total monetary value exceeds the preset threshold.

10. The computer system of claim 9, wherein the logic subsystem does not transmit an indication that the first purchase request is partially verified together with data from said purchase request to the card issuing institution when the logic subsystem determines that the total monetary value exceeds the preset threshold.

11. A computer system configured to partially verify the legitimacy of a remote purchase request to a vendor'"'"'s computer system based on a card number from a card issuing institution and an origin from which said remote purchase request is made, the system comprising:

one or more processors configured to execute one or more computer subsystems, the one or more computer subystems comprising;

a data input subsystem configured to receive information included in a first purchase request information set that corresponds to a first purchase request to the vendor'"'"'s computer 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;

a memory subsystem configured to manage storage of the first purchase request information set,

wherein the memory subsystem also manages storage of 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;

a logic subsystem configured to automatically determine i) a first factor related to whether the purchase request is legitimate 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, and ii) a second factor related to whether the remote purchase request is legitimate 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,

wherein the logic subsystem is further configured to automatically determine whether the purchase request should be verified based on the first factor and the second factor, and responsive to a determination based on the first factor and the second factor that the received remote purchase request should be verified, to generate and transmit an indication that the remote purchase request is partially verified together with data from said purchase request to the card issuing institution.

12. The computer system of claim 11, wherein the time period between the received remote purchase request and the previous remote purchase request is at least one month.

13. The computer system of claim 11, wherein the logic subsystem is further configured i) to determine a preset threshold based at least on the first factor and the second factor, ii) to determine a total monetary value of the first remote purchase request and previous remote purchase requests made within a time period corresponding to the preset threshold, and iii) to determine whether the total monetary value exceeds the preset threshold.

14. The computer system of claim 13, wherein the logic subsystem does not transmit an indication that the remote purchase request is partially verified together with data from said purchase request to the card issuing institution when the logic subsystem determines that the total monetary value exceeds the preset threshold.

15. 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, (iv) a number of requested items in the first purchase request for the requested item identification, and (v) a time corresponding to the first purchase request;

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 of the first purchase request using the same card number as the first purchase request for the item having the same requested item identification as was included in the first purchase request;

automatically determining in the purchase verification computer system whether a number of items that are requested in purchase request information sets corresponding to the same origin as the first purchase request, using the card number of the first purchase request, and requesting the item having the same requested item identification as was included in the first purchase request exceeds a preset threshold purchased using the card number within a time period corresponding to the preset threshold,

wherein the number of items that are requested in purchase requests using the card number of the first purchase request comprises at least the number of items requested in the first purchase request and the number of items 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 that are requested in the purchase requests corresponding to the same origin as the first purchase request, using the same card number of the first purchase request, and requesting the item having the same requested item identification as was included in the first purchase request exceeds the preset threshold purchased using the card number within the time period corresponding to the preset threshold.

16. The method of claim 15, further comprising:

determining in the purchase verification computer system a total monetary value associated with the number of items that are requested in purchase request information sets using the card number of the first purchase request; and

determining in the purchase verification computer system whether the total monetary value that is requested in purchase request information sets using the card number of the first purchase request exceeds the preset threshold purchased using the card number within the time period corresponding to the preset threshold.