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:
Mar. 19, 2024
Filed:
May. 31, 2019
Visa International Service Association, San Francisco, CA (US);
Shubham Agrawal, Round Rock, TX (US);
Karankumar Hiteshbha Patel, Austin, TX (US);
Chiranjeet Chetia, Round Rock, TX (US);
Deepam Tiwan, Austin, TX (US);
Navendu Misra, Austin, TX (US);
VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US);
Abstract
Described herein are techniques and systems directed to using context data provided by supplemental devices to reduce false declines during transaction authorization. In some embodiments, upon a transaction being declined based on a level of risk associated with the transaction, a service provider may obtain context data from a number of supplemental devices associated with a user, resource provider, location, or other suitable factor. This context data may then be assessed by the service provider to determine a degree to which the context data supports that the user conducting the transaction is the owner of the account used to conduct the transaction. The level of risk may then be adjusted based on that degree and the adjusted level of risk is used to determine whether to approve or decline the transaction.