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US 10,380,575 B2Granted
Systems and methods for transaction pre authentication
AssigneeCapital One Services, LLC
InventorThomas Poole
Life of this patent
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Abstract
Systems, methods, and computer-readable media are provided for mobile-based transaction pre-authorization. One example method comprises receiving, from a device (such as a mobile device), a pre-authorization request including at least selection of a payment method, and generating a pre-authorization for a purchase based on the selected payment method. The method further comprises receiving a transaction request, determining whether the received transaction request is associated with the pre-authorization, and processing the transaction request based on the determination. Systems and computer-readable media implementing the above method are also provided. User interfaces are also provided for enabling the use of such methods, systems, and computer-readable media on, for example, mobile devices.
Claims19
A system for authorizing a transaction, comprising
- a mobile device comprising:
- at least one device processor;
- a display device;
- and
- at least one device storage medium comprising first instructions that when executed cause the at least one device processor to perform a first method comprising:
- presenting an interface on the display device requesting selection of a payment method and an amount of an upcoming transaction;
- receiving, as input, the payment method selection and the amount;
- generating a pre-authorization request, based on the input;
- and
- sending the pre-authorization request over a network;
- and
- an authorization system comprising:
- at least one system processor;
- and
- at least one system storage medium comprising second instructions that when executed cause the at least one system processor to perform a second method comprising:
- receiving the pre-authorization request from the mobile device;
- generating a pre-authorization based on the pre-authorization request;
- receiving over the network, a request for a transaction;
- determining whether the received transaction request is associated with the pre-authorization;
- and
- processing the transaction request based on the determination, including generating a score for the transaction, wherein a transaction score less than a first threshold indicates that the transaction is not likely to be fraudulent, a transaction score between the first threshold and a second threshold indicates that the transaction is likely to be fraudulent, and a transaction score above the second threshold indicates that the transaction is highly likely to be fraudulent;
- generating a cumulative fraud score related to the transaction request;
- when it is determined that the received transaction request indicates the use of a selected card:
- approving the transaction request when the fraud score is below the second threshold, and
- denying the transaction request when the fraud score is above the second threshold;
- and
- when it is determined that the received transaction request does not indicate the use of the selected card, then:
- approving the transaction request when the fraud score is below the first threshold, and
- denying the transaction request when the fraud score is above the first threshold.
26 more elements
A method of pre-authorization, comprising:
- presenting an interface on a display device of a mobile device, the interface requesting selection of a payment method and an estimated amount of an upcoming transaction;
- receiving, as input, the payment method selection, the amount, and a location of the mobile device;
- generating a pre-authorization request based on the input and
- sending the pre-authorization request over a network, wherein an authorization system comprises:
- at least one processor;
- and
- at least one storage medium comprising instructions that when executed cause the at least one processor to perform a method comprising:
- receiving the pre-authorization request from the mobile device;
- generating a pre-authorization based on the pre-authorization request;
- receiving, over the network, a request for a transaction;
- determining whether the received transaction request is associated with the pre-authorization;
- and
- processing the transaction request based on the determination, including generating a score for the transaction, wherein a transaction score less than a first threshold indicates that the transaction is not likely to be fraudulent, a transaction score between the first threshold and a second threshold indicates that the transaction is likely to be fraudulent, and a transaction score above the second threshold indicates that the transaction is highly likely to be fraudulent;
- generating a cumulative fraud score related to the transaction request;
- when it is determined that the received transaction request indicates the use of a selected card:
- approving the transaction request when the fraud score is below the second threshold, and
- denying the transaction request when the fraud score is above the second threshold;
- and
- when it is determined that the received transaction request does not indicate the use of the selected card, then:
- approving the transaction request when the fraud score is below the first threshold, and
- denying the transaction request when the fraud score is above the first threshold.
18 more elements
A computer-implemented method of pre-authorization, comprising;
- receiving a pre-authorization request from a device including at least selection of a payment method;
- generating a pre-authorization for a purchase based on the selected payment method;
- receiving, over the network, a request for a transaction;
- determining whether the received transaction request is associated with the pre-authorization;
- and
- processing the transaction request based on the determination, including generating a score for the transaction, wherein a transaction score less than a first threshold indicates that the transaction is not likely to be fraudulent, a transaction score between the first threshold and a second threshold indicates that the transaction is likely to be fraudulent, and a transaction score above the second threshold indicates that the transaction is highly likely to be fraudulent;
- generating a cumulative fraud score related to the transaction request;
- when it is determined that the received transaction request indicates the use of a selected card:
- approving the transaction request when the fraud score is below the second threshold, and
- denying the transaction request when the fraud score is above the second threshold;
- and
- when it is determined that the received transaction request does not indicate the use of the selected card, then:
- approving the transaction request when the fraud score is below the first threshold, and
- denying the transaction request when the fraud score is above the first threshold.
11 more elements
A system for authorizing a transaction, comprising;
- at least one processor;
- and
- memory comprising instructions configured to perform a method when executed by the at least one processor, comprising:
- receiving a pre-authorization request including at least selection of a payment method;
- generating a pre-authorization for a purchase based on the selected payment method;
- receiving a request for a transaction;
- determining whether the received transaction request is associated with the pre-authorization;
- and
- processing the transaction request based on the determination, including generating a score for the transaction, wherein a transaction score less than a first threshold indicates that the transaction is not likely to be fraudulent, a transaction score between the first threshold and a second threshold indicates that the transaction is likely to be fraudulent, and a transaction score above the second threshold indicates that the transaction is highly likely to be fraudulent;
- generating a cumulative fraud score related to the transaction request;
- when it is determined that the received transaction request indicates the use of a selected card:
- approving the transaction request when the fraud score is below the second threshold, and
- denying the transaction request when the fraud score is above the second threshold;
- and
- when it is determined that the received transaction request does not indicate the use of the selected card, then:
- approving the transaction request when the fraud score is below the first threshold, and
- denying the transaction request when the fraud score is above the first threshold.
14 more elements
A computer-readable medium comprising instructions configured to cause at least one processor to perform a method comprising:
- receiving a pre-authorization request from a device including at least selection of a payment method;
- generating a pre-authorization for a purchase based on the selected payment method;
- receiving a request for a transaction;
- determining whether the received transaction request is associated with the pre-authorization;
- and
- processing the transaction request based on the determination, including generating a score for the transaction, wherein a transaction score less than a first threshold indicates that the transaction is not likely to be fraudulent, a transaction score between the first threshold and a second threshold indicates that the transaction is likely to be fraudulent, and a transaction score above the second threshold indicates that the transaction is highly likely to be fraudulent;
- generating a cumulative fraud score related to the transaction request;
- when it is determined that the received transaction request indicates the use of a selected card:
- approving the transaction request when the fraud score is below the second threshold, and
- denying the transaction request when the fraud score is above the second threshold;
- and
- when it is determined that the received transaction request does not indicate the use of the selected card, then:
- approving the transaction request when the fraud score is below the first threshold, and
- denying the transaction request when the fraud score is above the first threshold.
11 more elements
Dependencies are inferred from the claim text.