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.

Date of Patent:
Mar. 13, 2018

Filed:

Feb. 13, 2014
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventor:

Benedicto Dominguez, San Francisco, CA (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 30/06 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/00 (2012.01); G06Q 20/36 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/382 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 30/00 (2013.01); G06Q 30/0619 (2013.01);
Abstract

A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment verification request for a transaction from a merchant's website, transmitting the enrollment verification request to an access control server; receiving an enrollment verification response from the access control server, determining whether the transaction is risky based on at least a portion of the enrollment verification request, if the transaction is not risky, forwarding the enrollment verification response to the merchant website and, if the transaction is risky, modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment verification response to the merchant's website.


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