Ebay, Incorporated

Bill Me Later, Inc.

Thomas H Keithly

Vincent W Talbert

Mark L Lavelle

Daniel A Hirschfeld

Disclosed is a computer-implemented method () for the dynamic verification of a consumer engaged in a transaction with a merchant () and authorization of the transaction. The method () comprises the steps of: providing a consumer transaction data set () including a plurality of data fields to a central credit issuer database (); determining a processing queue () based upon the data contained in at least one of the data fields in the consumer transaction data set (), the processing queue () including a plurality of prioritized target transactions (); comparing at least one data field from the consumer transaction data set () directed to the consumer engaged in the prioritized target transaction () with at least one data field in at least one of the central credit issuer database () and a third party database (); and determining a consumer/transaction identifier () based upon the comparison. A system () and apparatus () for the verification of a consumer/transaction is also disclosed.

Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction

A computer-implemented method for completing a transaction between a customer and at least one merchant receives, by a transaction system, an authorization request including customer data and transaction specific data from the merchant, wherein, prior to the authorization request, the customer is unknown to the transaction system; authenticates the customer by the transaction system based at least in part upon at least one of the following: at least a portion of the customer data, at least a portion of the transaction specific data or any combination thereof; authorizes the transaction by the transaction system based at least in part upon at least one of the following: at least a portion of the customer data, at least a portion of the transaction specific data or any combination thereof; and communicates the authorization response to the merchant during the transaction. An apparatus for implementing the method is disclosed.

Method and system for completing a transaction between a customer and a merchant

A computer-implemented method and system for completing a transaction between a customer () and at least one merchant (), including the steps of: (a) initiating a transaction by the customer () with a merchant (); (b) communicating an authorization request, including customer data and transaction specific data, by the merchant () to a transaction system (); (c) authenticating the customer () by the transaction system (); (d) authorizing the transaction by the transaction system (); (e) communicating the authorization response by the transaction system () to the merchant (); and (f) completing the transaction between the merchant () and the customer (). An apparatus for implementing the method is disclosed.

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Monkton, MD, United States of America

Thomas H Keithly