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:
Sep. 28, 2021
Filed:
May. 17, 2016
Visa International Service Association, San Francisco, CA (US);
Brad Nightengale, Redwood Shores, CA (US);
Karl Newland, Pacifica, CA (US);
Kevin Siegel, Mt. View, CA (US);
Zhongxiao Jiang, Cupertino, CA (US);
Sharon Rowberry, Santa Rosa, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.