Authentication process using search technology
First Claim
1. A method comprising:
- receiving, at a server computer, an authorization request message, wherein the authorization request message requests authorization to conduct a transaction and was generated in response to an interaction between a user and a merchant;
retrieving, by the server computer, search history data or search parameters relating to searches conducted by the user;
after retrieving the search history data or search parameters, determining, by the server computer, a risk parameter associated with the transaction, wherein the risk analysis parameter is based on at least the search history data or search parameters;
modifying the authorization request message to include the risk analysis parameter to create a modified authorization request message; and
transmitting, by the server computer, the modified authorization request message to an issuer.
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Accused Products
Abstract
Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions.
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Citations
20 Claims
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1. A method comprising:
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receiving, at a server computer, an authorization request message, wherein the authorization request message requests authorization to conduct a transaction and was generated in response to an interaction between a user and a merchant; retrieving, by the server computer, search history data or search parameters relating to searches conducted by the user; after retrieving the search history data or search parameters, determining, by the server computer, a risk parameter associated with the transaction, wherein the risk analysis parameter is based on at least the search history data or search parameters; modifying the authorization request message to include the risk analysis parameter to create a modified authorization request message; and transmitting, by the server computer, the modified authorization request message to an issuer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system comprising:
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a processor; and a computer readable medium coupled to the processor, the computer readable medium code for causing the processor to implement a method comprising receiving, at a server computer, an authorization request message, wherein the authorization request message requests authorization to conduct a transaction and was generated in response to an interaction between a user and a merchant, retrieving, by the server computer, search history data or search parameters relating to searches conducted by the user, after retrieving the search history data or search parameters, determining, by the server computer, a risk parameter associated with the transaction, wherein the risk analysis parameter is based on at least the search history data or search parameters, modifying the authorization request message to include the risk analysis parameter to create a modified authorization request message, and transmitting, by the server computer, the modified authorization request message to an issuer. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification