# US 2014/0195433 A1 · Upgrading of recurring payment cancellation services > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195433 A1 - Document ID: US20140195433A1 - Status: Published application - Kind: A1 - Application number: 14/185,526 - Filed: 2014-02-20 - Published: 2014-07-10 - Earliest claimed: 2011-04-15 - Assignees: Mastercard International Incorporated - Applicants: MasterCard International Incorporated - Inventors: Luis Filipe de Almeida Ferreira da Silva; Sharon A. Rosano; Timothy T. Hopkins - Web page: https://patentgrep.com/patent/US20140195433A1 ## CPC - G06Q 20/00: Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12) - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/407: {Cancellation of a transaction} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments. ## Claims ### Claim 1 (canceled) ### Claim 2 (canceled) ### Claim 3 (canceled) ### Claim 4 (canceled) ### Claim 5 A method of reducing chargebacks due to a cancelled recurring payment, said payment occurring within a card-based financial network, said network including a database of unauthorized recurring charges and a defined automatic billing updating procedure for assigning a new account number to a cardholder, the method comprising the steps of: updating said database during said automatic billing updating procedure when said network identifies an unauthorized recurring charge in said database associated with said cardholder. ### Claim 6 (depends on 5) The method according to claim 5, comprising the further step of extracting predefined data associated with said automatic billing updating procedure; and wherein said updating step includes the further step of populating a field associated with said database with said predefined data. ### Claim 7 (depends on 6) The method according to claim 6, wherein said unauthorized recurring charge is associated with an old account number, and wherein said updating step includes the further step of associating said new account number with said old account number in said database. ### Claim 8 (depends on 7) The method according to claim 7, wherein said updating step includes the further step of creating a file containing both said old account number and said new account number for subsequent comparison. ### Claim 9 A method for reducing chargebacks due to a cancelled recurring payment, said payment occurring within a card-based financial network, said network including a cancellation service, said cancellation service including a database of unauthorized recurring charges, the method comprising the steps of: receiving a financial processing request identifying a card-based payment without a recurring payment code; determining whether the issuing bank associated with said request is a participant within said cancellation service; comparing data associated with said request to said unauthorized recurring charges contained within said database; and determining a response to said processing request in accordance with predefined parameters. ### Claim 10 (depends on 9) The method according to claim 9, wherein said comparing step provides a plurality of authorization comparisons, and wherein said comparing step includes the further step of assigning values to each of said authorization comparisons. ### Claim 11 (depends on 10) The method according to claim 10, wherein said authorization comparisons are related to selected secondary criteria. ### Claim 12 (depends on 11) The method according to claim 11, wherein said selected secondary criteria comprises information including at least one of a merchant identity, a merchant size, a length of time a merchant has been doing business, a number of cancelled recurring payments associated with a merchant, a number of chargebacks associated with a merchant or a billing date. ### Claim 13 (depends on 10) The method according to claim 10, wherein said determining step includes the further step of combining said values, and rejecting said processing request when said combination of values exceeds a predefined threshold. ### Claim 14 (depends on 13) The method according to claim 13, wherein said predefined threshold is determined by an issuing bank. ### Claim 15 A method for reducing chargebacks due to a cancelled recurring payment, said payment occurring within a card-based financial network, said network including a cancellation service, said cancellation service including a database of unauthorized recurring charges, the method comprising the steps of: receiving a financial processing request identifying a card-not-present (CNP) transaction; determining whether the issuing bank associated with said request is a participant within said cancellation service; comparing data associated with said request to said unauthorized recurring charges contained within said database; and determining a response to said processing request in accordance with predefined parameters. ### Claim 16 (depends on 15) The method according to claim 15, wherein said comparing step provides a plurality of authorization comparisons, and wherein said comparing step includes the further step of assigning values to each of said authorization comparisons. ### Claim 17 (depends on 16) The method according to claim 16, wherein said authorization comparisons are related to selected secondary criteria. ### Claim 18 (depends on 16) The method according to claim 16, wherein said determining step includes the further step of combining said values, and rejecting said processing request when said combination of values exceeds a predefined threshold. ### Claim 19 (depends on 18) The method according to claim 18, wherein said predefined threshold is determined by an issuing bank. ### Claim 20 (depends on 15) The method according to claim 15, wherein said financial processing request is received without a recurring payment code.