Invention Grant
- Patent Title: Completing risk analysis using push communications
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Application No.: US17380823Application Date: 2021-07-20
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Publication No.: US12165152B2Publication Date: 2024-12-10
- Inventor: Christopher Diebold O'Toole , Bryant Genepang Luk , Jason Ziaja , Shaun Warman , Ananya Das
- Applicant: PayPal, Inc.
- Applicant Address: US CA San Jose
- Assignee: PayPal, Inc.
- Current Assignee: PayPal, Inc.
- Current Assignee Address: US CA San Jose
- Agency: HAYNES AND BOONE, LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q20/10 ; G06Q20/32 ; G06Q30/06 ; H04L67/55 ; H04W4/02

Abstract:
A system is configured to perform operations that include receiving first device information corresponding to a consumer device of a _Sonsumer, where the first device information is collected by a merchant application of a_specmerchant in response to a payment transaction request being initiated between the consumer and the merchant. The operations further include determining that the first device information fails to satisfy a risk analysis threshold for performing a risk analysis process and in response, transmitting a push communication to the consumer device. The push communication includes instructions that cause the consumer device to automatically transmit, to the system, second device information corresponding to the consumer device. Additionally, the operations include based on the second device information, executing the risk analysis process with respect to the payment transaction request.
Public/Granted literature
- US20210406900A1 Completing Risk Analysis Using Push Communications Public/Granted day:2021-12-30
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