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:
Jul. 16, 2019
Filed:
Aug. 21, 2013
Sprint Communications Company L.p., Overland Park, KS (US);
Mike A. Gailloux, Overland Park, KS (US);
Lauren Ricardo King, Somerset, NJ (US);
Sprint Communications Company L.P., Overland Park, KS (US);
Abstract
Systems, methods, and computer readable media for identifying irregular electronic commerce transactions are provided. A server is configured to receive a request for a risk level associated with electronic commerce transactions. The sever accesses a communications account associated with a user who initiated the electronic commerce transaction. The user may initiate the electronic commerce transaction on a wireless device. The server accesses the communication patterns, payment patterns, and voice patterns of the communications account for the wireless device. If changes in the communication, payment, or voice patterns of wireless device are detected, the server assigns a high or medium risk level to the electronic commerce transaction. If the server is unable to identify the pattern change, the assigned risk level of the electronic commerce transaction is low. The assigned risk levels are received by a transaction processor and may influence a rate charged for processing the electronic commerce transaction.