公开(公告)号：US20150235219A1

公开(公告)日：2015-08-20

申请号：US14184574

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: G06Q20/40

CPC classification number: 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。

公开(公告)号：US20150235220A1

公开(公告)日：2015-08-20

申请号：US14184602

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: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/3224

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。

公开(公告)号：US20150235209A1

公开(公告)日：2015-08-20

申请号：US14184536

申请日：2014-02-19

Applicant: Bank of America Corporation

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

IPC: G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/382 ,  G06Q20/409 ,  G06Q2220/00

Abstract: Apparatus and methods for allocating transaction liability are provided. Transaction liability may include a risk that the transaction may incur a post-authorization charge, such as a fraud investigation and/or a chargeback. The transaction liability may be allocated among one or more transaction participants. Transaction liability may be allocated based on a stock-keeping-unit of an item purchased by customer that initiates the transaction. Transaction liability may be allocated based on an amount of the transaction. Transaction liability may be allocated based on a merchant category code identifier assigned to a merchant. Transaction liability may be allocated based on a location of a merchant. A default allocation of transaction liability may be re-allocated among transaction participants based on level of verification performed by a transaction participant at a point-of-sale.

Abstract translation: 提供了分配交易责任的设备和方法。 交易责任可能包括交易可能产生授权后费用的风险，例如欺诈调查和/或退款。 交易责任可以在一个或多个交易参与者中分配。 可以根据发起交易的客户购买的物品的存货单位分配交易责任。 交易责任可以根据交易金额分配。 可以基于分配给商家的商家类别代码标识符来分配交易负担。 可以根据商家的位置分配交易责任。 根据交易参与者在销售点进行的验证水平，可以在交易参与者之间重新分配交易责任的违约分配。

公开(公告)号：US20150235208A1

公开(公告)日：2015-08-20

申请号：US14184532

申请日：2014-02-19

Applicant: Bank of America Corporation

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

IPC: G06Q20/38 ,  G06Q20/24 ,  G06Q20/02

CPC classification number: G06Q20/382 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/24 ,  G06Q20/4016 ,  G06Q20/4037

Abstract: Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant. The transaction may be an on-us transaction or may be associated with any issuer. The second transaction participant may include a payment guarantee provider. The information may be routed to the second transaction participant via a proof-of-verification network. Transactions that are associated with a level of verification may be subject to variable interchange rates. The interchange rates or level of immunization from fraud/chargeback may vary with respect to the level of verification performed by the first transaction participant.

Abstract translation: 提供了分配交易责任的设备和方法。 如果响应于验证级别的信息直接提交给第二交易参与者，则可以将第一交易参与者免于不利于与交易相关联的欺诈/拒付的不良影响。 交易可能是一个在线交易，也可能与任何发行人相关联。 第二交易参与者可以包括支付保证提供者。 信息可以通过验证网络路由到第二交易参与者。 与验证级别相关联的交易可能会受到可变的兑换率的约束。 免疫欺诈/拒付的互换率或级别可能因第一交易参与者的验证级别而异。

公开(公告)号：US20150235221A1

公开(公告)日：2015-08-20

申请号：US14184613

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: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/02

Abstract: Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant. The transaction may be an on-us transaction or may be associated with any issuer. The second transaction participant may include a payment guarantee provider. The information may be routed to the second transaction participant via a proof-of-verification network. Transactions that are associated with a level of verification may be subject to variable interchange rates. The interchange rates or level of immunization from fraud/chargeback may vary with respect to the level of verification performed by the first transaction participant.

Abstract translation: 提供了分配交易责任的设备和方法。 如果响应于验证级别的信息被直接提交给第二交易参与者，则第一交易参与者可以免于不利于与交易相关联的欺诈/拒付的影响。 交易可能是一个在线交易，也可能与任何发行人相关联。 第二交易参与者可以包括支付保证提供者。 信息可以通过验证网络路由到第二交易参与者。 与验证级别相关联的交易可能会受到可变的兑换率的约束。 免疫欺诈/拒付的互换率或级别可能因第一交易参与者的验证级别而异。

公开(公告)号：US20150235218A1

公开(公告)日：2015-08-20

申请号：US14184571

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: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/20

Abstract: Apparatus and methods for allocating transaction liability are provided. Transaction liability may include a risk that the transaction may incur a post-authorization charge, such as a fraud investigation and/or a chargeback. The transaction liability may be allocated among one or more transaction participants. Transaction liability may be allocated based on a stock-keeping-unit of an item purchased by customer that initiates the transaction. Transaction liability may be allocated based on an amount of the transaction. Transaction liability may be allocated based on a merchant category code identifier assigned to a merchant. Transaction liability may be allocated based on a location of a merchant. A default allocation of transaction liability may be re-allocated among transaction participants based on level of verification performed by a transaction participant at a point-of-sale.

Abstract translation: 提供了分配交易责任的设备和方法。 交易责任可能包括交易可能产生授权后费用的风险，例如欺诈调查和/或退款。 交易责任可以在一个或多个交易参与者中分配。 可以根据发起交易的客户购买的物品的存货单位分配交易责任。 交易责任可以根据交易金额分配。 可以基于分配给商家的商家类别代码标识符来分配交易负担。 可以根据商家的位置分配交易责任。 根据交易参与者在销售点进行的验证水平，可以在交易参与者之间重新分配交易责任的违约分配。

公开(公告)号：US20150235206A1

公开(公告)日：2015-08-20

申请号：US14184430

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 ,  G06Q20/26

CPC classification number: G06Q20/26 ,  G06Q20/4016

Abstract: Apparatus and methods for allocating transaction liability are provided. Transaction liability may include a risk that the transaction may incur a post-authorization charge, such as a fraud investigation and/or a chargeback. The transaction liability may be allocated among one or more transaction participants. Transaction liability may be allocated based on a stock-keeping-unit of an item purchased by customer that initiates the transaction. Transaction liability may be allocated based on an amount of the transaction. Transaction liability may be allocated based on a merchant category code identifier assigned to a merchant. Transaction liability may be allocated based on a location of a merchant. A default allocation of transaction liability may be re-allocated among transaction participants based on level of verification performed by a transaction participant at a point-of-sale.

Abstract translation: 提供了分配交易责任的设备和方法。 交易责任可能包括交易可能产生授权后费用的风险，例如欺诈调查和/或退款。 交易责任可以在一个或多个交易参与者中分配。 可以根据发起交易的客户购买的物品的存货单位分配交易责任。 交易责任可以根据交易金额分配。 可以基于分配给商家的商家类别代码标识符来分配交易负担。 可以根据商家的位置分配交易责任。 根据交易参与者在销售点进行的验证水平，可以在交易参与者之间重新分配交易责任的违约分配。