公开(公告)号：US08297501B1

公开(公告)日：2012-10-30

申请号：US13236446

申请日：2011-09-19

申请人： Eric F. Kowalchyk ,  See Yew Mo ,  Jimmy M. Lu ,  Satish Buddhavarapu ,  Michael J. Power ,  Janos Z. Mako

发明人： Eric F. Kowalchyk ,  See Yew Mo ,  Jimmy M. Lu ,  Satish Buddhavarapu ,  Michael J. Power ,  Janos Z. Mako

IPC分类号： G06K5/00

CPC分类号： G06Q20/4016 ,  G06Q20/102 ,  G06Q30/06 ,  G06Q40/025 ,  G06Q40/04

摘要： A consumer tenders a transaction card to a merchant to purchase a good or service. A merchant payment device, such as a payment terminal or mobile communication device, processes the payment utilizing a risk assessment system. Card data received by the payment device is sent to the risk assessment system, which processes card data and generates an indicator representing risk associated with accepting payment using the card. The indicator is sent to the payment device to provide the merchant input regarding risk associated with using the card (e.g., likelihood of fraud or chargeback) in a seamless manner. If the risk level is too high, the merchant may reject the card. The risk indicator may be based on different types of data from different sources, e.g., data from a first source related to the consumer's credit history and data from a second source related to the consumer's identity.

摘要翻译： 消费者向商家投标交易卡以购买商品或服务。 诸如支付终端或移动通信设备的商家支付设备使用风险评估系统处理支付。 由支付设备接收到的卡数据被发送到风险评估系统，该系统处理卡片数据并产生一个指示代表使用该卡接收支付的风险的指标。 指示符被发送到支付设备以便以无缝的方式提供与使用该卡相关的风险的商家输入（例如，欺诈或拒付的可能性）。 如果风险级别太高，商家可能会拒绝该卡。 风险指标可以基于来自不同来源的不同类型的数据，例如来自与消费者信用记录相关的第一来源的数据和来自与消费者身份相关的第二来源的数据。

公开(公告)号：US08020763B1

公开(公告)日：2011-09-20

申请号：US12495371

申请日：2009-06-30

申请人： Eric F. Kowalchyk ,  See Yew Mo ,  Jimmy M. Lu ,  Satish Buddhavarapu ,  Michael J. Power ,  Janos Z. Mako

发明人： Eric F. Kowalchyk ,  See Yew Mo ,  Jimmy M. Lu ,  Satish Buddhavarapu ,  Michael J. Power ,  Janos Z. Mako

IPC分类号： G06K5/00

CPC分类号： G06Q20/4016 ,  G06Q20/102 ,  G06Q30/06 ,  G06Q40/025 ,  G06Q40/04

摘要： Systems and methods for assessing transaction risk. A consumer tenders a transaction card to a merchant to purchase a good or service. A payment device of the merchant, such as a payment terminal or mobile communication device of the merchant, is used to process the payment utilizing a risk assessment system. Card data received by the payment device is sent to the risk assessment system, which processes card data and generates an indicator representing the risk associated with accepting payment using the card. The indicator is sent to the payment device to provide the merchant input regarding risk associated with using the card (e.g., likelihood of fraud or chargeback) in a seamless manner. If the risk level is too high, the merchant may reject the card. The risk indicator may be based on different types of data from different sources, e.g., data from a first source related to the credit history of the consumer and data from a second source related to the identity of the consumer.

摘要翻译： 评估交易风险的系统和方法。 消费者向商家投标交易卡以购买商品或服务。 使用商家的支付装置，例如商家的支付终端或移动通信装置，用于利用风险评估系统来处理支付。 由支付设备接收到的卡片数据被发送到风险评估系统，该系统处理卡片数据，并产生一个指示符代表使用该卡接受支付的风险。 指示符被发送到支付设备以便以无缝的方式提供与使用该卡相关的风险的商家输入（例如，欺诈或拒付的可能性）。 如果风险级别太高，商家可能会拒绝该卡。 风险指标可以基于来自不同来源的不同类型的数据，例如来自与消费者的信用记录相关的第一来源的数据和来自与消费者身份相关的第二来源的数据。