公开(公告)号：US20150235207A1

公开(公告)日：2015-08-20

申请号：US14184514

申请日：2014-02-19

Applicant: Bank of America Corporation

Inventor： Matthew D. Murphy, JR. ,  Jeffrey N. Healy ,  Steven M. Twombly ,  Rosemary C. Stack ,  Mark R. WIlson

IPC: G06Q20/38 ,  G06Q20/10

CPC classification number: G06Q20/382 ,  G06Q20/4012 ,  G06Q20/4016

Abstract: Apparatus and methods for risk mitigating transaction authorization are provided. A transaction participant may responds to a request for transaction authorization with “PIN Entry Required,” and restrict signature based transaction authorizations. The risk mitigating transaction authorization may be transmitted for a transaction based on a stock-keeping-unit of an item included in a purchase. The risk mitigating transaction authorization may be transmitted for a transaction based on an amount of the transaction. The risk mitigating transaction authorization may be transmitted for a transaction based on a merchant category code identifier assigned to a merchant and/or a location of a purchase.

Abstract translation: 提供了风险减轻交易授权的设备和方法。 交易参与者可以通过“需要PIN条目”来响应交易授权请求，并限制基于签名的交易授权。 可以基于购买中包括的项目的库存单位为交易传送风险减轻交易授权。 可以基于交易量来为交易传送风险减轻交易授权。 可以基于分配给商家和/或购买位置的商家类别代码标识符来为交易传送风险减轻交易授权。