The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 07, 2019
Filed:
Apr. 07, 2014
Applicant:
Visa International Service Association, San Francisco, CA (US);
Inventors:
Gourab Basu, Half Moon Bay, CA (US);
Steven Cracknell, San Mateo, CA (US);
Michael Mori, San Mateo, CA (US);
Assignee:
Visa International Service Association, San Francisco, CA (US);
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/02 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/02 (2013.01); G06Q 20/34 (2013.01); G06Q 20/4016 (2013.01);
Abstract
Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.