Methods and systems for determining the reliability of transaction
AssigneeeBay Inc.
InventorsSaar Wilf, Shvat Shaked
Life of this patent
Estimating the term…
Abstract
Systems and methods for determining a reliability of a transaction involving an account identifier identifying a chargeable account are disclosed. In accordance with an exemplary embodiment of the present invention, the system receives an account identifier and optionally at least one candidate personal detail. A reliability indicator provider provides at least one reliability indicator indicating an estimated likelihood that at least one stored personal detail associated with the chargeable account was submitted fraudulently. According to particular embodiments, fraudulently submitted stored personal details are indicative that a proposed transaction involving a buyer and a seller is fraudulent.
Claims20
A method of determining a reliability of a transaction involving an account identifier identifying a chargeable account, the method comprising:
- a) receiving the account identifier at a data receiving unit of a verification system;
- b) determining, using one or more processors, a reliability indicator of at least one stored personal detail associated with the chargeable account, the at least one stored personal detail usable to verify at least one candidate personal detail, the reliability indicator determined based on at least one of a time the at least one stored personal detail was received and associated with the account identifier, a record of an identification procedure performed upon receipt of the at least one stored personal detail, or a record of a degree of personal exposure of an entity submitting the at least one stored personal detail, the at least one stored personal detail retrieved from an account database;
- and
- c) from the verification system, providing the reliability indicator to a user.
A verification system for determining a reliability of a transaction involving an account identifier identifying a chargeable account, the system comprising:
- a) a data receiving unit configured to receive an account identifier or at least one candidate personal detail;
- b) a computer-readable storage medium having instructions stored thereon, the instructions executable by a processor for implementing a reliability indicator provider to determine at least one reliability indicator of at least one stored personal detail associated with the chargeable account, the at least one stored personal detail usable to verify at least one candidate personal detail, the reliability indicator determined based on at least one of a time the at least one stored personal detail was received and associated with the account identifier, a record of an identification procedure performed upon receipt of the at least one stored personal detail, or a record of a degree of personal exposure of an entity submitting the at least one stored personal detail.
Dependencies are inferred from the claim text.