Invention Grant
- Patent Title: Systems and methods for enhanced authorization fraud mitigation
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Application No.: US13411299Application Date: 2012-03-02
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Publication No.: US08719167B2Publication Date: 2014-05-06
- Inventor: Marcel Leyva , Houman Motaharian , Robert Phelan , Hing Seng Too
- Applicant: Marcel Leyva , Houman Motaharian , Robert Phelan , Hing Seng Too
- Applicant Address: US NY New York
- Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee Address: US NY New York
- Agency: Snell & Wilmer L.L.P.
- Main IPC: G06Q40/00
- IPC: G06Q40/00

Abstract:
A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.
Public/Granted literature
- US20130232068A1 SYSTEMS AND METHODS FOR ENHANCED AUTHORIZATION FRAUD MITIGATION Public/Granted day:2013-09-05
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