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公开(公告)号：US20210217015A1
公开(公告)日：2021-07-15
申请号：US16740828
申请日：2020-01-13
IPC分类号： G06Q20/40
摘要： Systems for identifying multiple merchant category codes associated with a merchant include a database and a server. The database has a merchant table with several merchant records, which have unique merchant identifiers associated with distinct merchants and one or more active merchant category codes associated with the merchant identifiers. The server receives a clearing transaction message, which includes payment account data associated with an issuer. A transaction merchant identifier in the message is detected by the server. The server retrieves a merchant record that corresponds to the transaction merchant identifier. The server determines whether the merchant record includes several merchant category codes, and if it does, adds an indicator within a first data element and the active merchant category codes within a second data element of the clearing transaction message. The server then transmits the clearing transaction message to the issuer associated with the payment account data.
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2.发明申请公开(公告)号：US20210192532A1
公开(公告)日：2021-06-24
申请号：US16719584
申请日：2019-12-18
发明人： Brett J. Thomson , Kyle Williams , David J. Senci , Blake Gibbons
摘要： Described herein is a data optimization computer system for optimizing transaction authorization request messages directed to an authorizing party. The computer system includes a historical transaction database, a merchant database, and a data optimization computing device. The historical transaction database stores a plurality of historical transaction records. The merchant database stores a first merchant registered with the optimization computer system. The data optimization computing device may analyze at least a subset of the historical transaction records to generate a set of optimization rules. The set of optimization rules identifies optimal values for an optimized transaction authorization request message. The optimized transaction authorization request message may be associated with an improved likelihood of resulting in a positive request outcome.
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公开(公告)号：US11017379B2
公开(公告)日：2021-05-25
申请号：US15386664
申请日：2016-12-21
摘要： A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.
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公开(公告)号：US10373162B2
公开(公告)日：2019-08-06
申请号：US15005829
申请日：2016-01-25
发明人： David J. Senci , Peng Yang
摘要： Systems and methods for validating and adjusting local transaction times are provided. A host computing system includes a processor and a memory in communication with the processor. The host computing system receives a computer message comprising authorization data associated with a transaction, the authorization data including a location identifier and a local transaction time set by a remote computing device used in processing the transaction. The host computing system also appends a header including a header processor time to the computer message, determines a time zone associated with the local transaction time based on the location identifier, converts the header processor time to a local header processor time based on the time zone, and determines that the local transaction time is validated based on the local header processor time.
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公开(公告)号：US20190205880A1
公开(公告)日：2019-07-04
申请号：US15861847
申请日：2018-01-04
CPC分类号： G06Q20/405 , G06Q20/382 , G06Q20/401
摘要： A computer-implemented method for verifying a payment transaction over a payment network. One step of the method includes receiving, from a sender, a transaction message, with the transaction message including a plurality of data element fields, and with at least one of the data element fields being a network-specific field configured to be populated by an interchange network of the payment network. An additional step includes performing a validation routine on the transaction message. The validation routine includes analyzing the network-specific field of the transaction message to determine if the network-specific field is populated with data. A further step includes transmitting a financial transaction denial to the sender if the network-specific field of the transaction message is populated with data.
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公开(公告)号：US20190205871A1
公开(公告)日：2019-07-04
申请号：US15861788
申请日：2018-01-04
CPC分类号： G06Q20/3821 , G06Q20/102 , G06Q20/28 , G06Q20/351 , G06Q20/405
摘要： A merchant advice code system and computer-implemented method for populating a merchant advice code in a payment authorization response message includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number relating to the payment account of a cardholder. The processor is programmed to extract a copy of the primary account number from the payment authorization request message and determine whether the primary account number exists in an automated billing service database. In response to determining that the primary account number exists in the automated billing service database, the processor is programmed to store an indicator in the memory device and populate the merchant advice code in the payment authorization response message with the indicator, thereby generating an edited payment authorization response message.
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公开(公告)号：US20190197501A1
公开(公告)日：2019-06-27
申请号：US15851048
申请日：2017-12-21
CPC分类号： G06Q20/102 , G06Q20/3223 , G06Q20/388 , G06Q20/401
摘要： Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving a request for at least one recurring network transaction involving a first party, based on a prior network transaction with the first party and including multiple attributes. The method also includes soliciting at least one variable attribute of the at least one recurring network transaction from a user associated with the prior transaction, receiving the at least one variable attribute from the user, and compiling and storing a recurring transaction order based on the multiple attributes of the prior transaction and the at least one variable attribute. The exemplary method then further includes initiating the at least one recurring network transaction, based on a timing defined by the recurring transaction order, whereby the prior transaction and its multiple attributes provide a template for the at least one recurring network transaction.
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8.发明申请公开(公告)号：US20180330381A1
公开(公告)日：2018-11-15
申请号：US15591246
申请日：2017-05-10
发明人： Kyle Williams , David J. Senci , David Adams
CPC分类号： G06Q20/4016 , G06Q20/34 , G06Q20/382 , G06Q20/40 , G06Q20/401 , H04L63/1416
摘要： A computing network system including a historical authorization database, a lost and stolen card (LSC) database, an account data breach (ADB) database, and a compromised identification (CI) computing device is provided. The CI computing device retrieves a set of historical account identifiers associated with historical transactions of a candidate merchant from the historical authorization database. The CI computing device compares the historical account identifier to lost and/or stolen (LS) account data stored by the LSC database and breach data stored by the ADB database. The CI computing device generates a compromised account message when a historical account identifier has a matching account identifier within the LS account data and/or the breach data. The compromised account message includes the matching account identifier and an associated reason code indicating a cause of compromise. The CI computing device transmits the compromised account message to the candidate merchant for review and analysis.
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公开(公告)号：US20180174252A1
公开(公告)日：2018-06-21
申请号：US15380364
申请日：2016-12-15
发明人： David J. Senci , Jason A. Thomas
CPC分类号： G06Q50/14 , G06Q20/3224 , G06Q20/34 , G06Q20/389 , G06Q20/4014 , G06Q20/4016 , H04L63/107
摘要： A system for building a data table of travel-related data and using the data table to reduce false declines when processing payment transactions is provided. The system includes a travel identifier (TI) computing device configured to receive transaction data that includes travel-related data and cardholder identifiers, the transaction data associated with transactions initiated by a cardholder, identify the travel-related data for the cardholder, and build a data table for storing one or more records within an itinerary data source using the travel-related data. The TI computing device is also configured to receive current transaction data for a current transaction initiated by the cardholder including a current transaction location and a current transaction date. The TI computing device is further configured to authenticate the current transaction data by electronically matching the current transaction location and the current transaction data to the data table stored in the itinerary data source.
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公开(公告)号：US20180174147A1
公开(公告)日：2018-06-21
申请号：US15380876
申请日：2016-12-15
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/389 , G06Q20/407
摘要： A computer-implemented method for electronically linking accounts within a database and automatically blocking an ineligible fraud-related chargeback from chargeback processing over a network is provided. The method is implemented using a chargeback blocking computing device. The method includes linking an opened account with a closed account wherein the linked accounts are associated with a cardholder, storing a triggering rule configured to determine that a fraud-related chargeback is a triggering fraud-related chargeback, receiving a first chargeback, determining that the first chargeback is a first fraud-related chargeback associated with one of the linked accounts, determining that the first fraud-related chargeback is a triggering fraud-related chargeback based on the triggering rule, receiving a second fraud-related chargeback associated with one of the linked accounts, determining that the second fraud-related chargeback is an ineligible fraud-related chargeback by applying the triggering rule, and blocking the second fraud-related chargeback from further processing over the network.
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