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Systems and methods for enhanced authorization fraud mitigation

  • US 9,665,869 B2
  • Filed: 03/14/2014
  • Issued: 05/30/2017
  • Est. Priority Date: 03/02/2012
  • Status: Active Grant
First Claim
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1. A computer-implemented method comprising:

  • creating, by a computer-based system, a pseudo authorization message in a first electronic data packet associated with a transaction,wherein the transaction includes enhanced authorization data associated with purchase information;

    storing, by the computer-based system, the pseudo authorization message in a database,wherein the storing includes storing using a binary large object method to store different pseudo authorization messages from different owners with different formats as ungrouped data elements via a fixed memory offset;

    organizing, by the computer-based system, the database as data tables;

    using, by the computer-based system, a key field in the data tables to speed searching;

    performing, by the computer-based system, sequential searching through the data tables;

    sorting, by the computer-based system, records in data tables to simplify look up;

    partitioning, by the computer-based system and using the key field, the database according to a high-level class of objects defined by the key field;

    designating, by the computer-based system, types of data as the key field in a plurality of data tables;

    linking, by the computer-based system, the data tables on the basis of the types of data designated as the key field;

    tuning, by the computer-based system, the database to optimize database performance,wherein the tuning includes placing frequently used files on separate file systems to reduce in and out bottlenecks;

    obtaining, by the computer-based system, the pseudo authorization message from the frequently used files;

    establishing, by the computer-based system and using an application programming interface, first communication protocols in a first communication channel between programs of a merchant server and programs of the computer-based system;

    transmitting, by the computer-based system and using the first communication protocols, the purchase information to the merchant server via the first communication channel,wherein the merchant server, using the application programming interface, establishes third communication protocols between programs of the merchant server and programs of an authorizing entity system;

    wherein the merchant server creates a second electronic data packet, using the third communication protocols, with an authorization request associated with the transaction, andwherein the merchant server transmits, using the third communication protocols, the authorization request in the second electronic data packet to the authorizing entity system; and

    establishing, by the computer-based system and using the application programming interface, second communication protocols in a second communication channel between programs of the authorizing entity system and programs of the computer-based system;

    transmitting, by the computer-based system and via a web acceleration server using the application program interface and using the second communication protocols, the pseudo authorization message to the authorizing entity system via the second communication channel,wherein the web acceleration server caches a website of the merchant server,wherein the pseudo authorization message bypasses the merchant server, andwherein the authorizing entity system determines that the pseudo authorization message was received within a specified time of the authorization request.

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