CA3208415A1 - Partage de donnees direct - Google Patents

Partage de donnees direct Download PDF

Info

Publication number
CA3208415A1
CA3208415A1 CA3208415A CA3208415A CA3208415A1 CA 3208415 A1 CA3208415 A1 CA 3208415A1 CA 3208415 A CA3208415 A CA 3208415A CA 3208415 A CA3208415 A CA 3208415A CA 3208415 A1 CA3208415 A1 CA 3208415A1
Authority
CA
Canada
Prior art keywords
transaction
financial transaction
computing device
metadata
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CA3208415A
Other languages
English (en)
Inventor
Wesley Perkins
Venkata Satya Sriram Kalyan Namuduri
David Ross
Andrew Coulson
Hunter Roberts
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Capital One Services LLC
Original Assignee
Capital One Services LLC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US17/176,673 external-priority patent/US11288668B1/en
Priority claimed from US17/176,668 external-priority patent/US20220261809A1/en
Priority claimed from US17/176,648 external-priority patent/US11257083B1/en
Priority claimed from US17/176,663 external-priority patent/US11443312B2/en
Priority claimed from US17/176,642 external-priority patent/US11182797B1/en
Application filed by Capital One Services LLC filed Critical Capital One Services LLC
Publication of CA3208415A1 publication Critical patent/CA3208415A1/fr
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

Des procédés, des systèmes et des appareils sont décrits dans la description servant au partage direct et à l'utilisation de données de transaction séparément d'un processus d'autorisation de transaction. Des métadonnées de transaction associées à une transaction peuvent être reçues et validées. Des informations d'autorisation correspondant à la transaction peuvent être reçues. Le degré auquel les métadonnées de transaction sont testées peut être basé sur un temps prédit de réception des informations d'autorisation. Les métadonnées de transaction et les informations d'autorisation peuvent être corrélées. Un dispositif informatique peut déterminer s'il faut autoriser la transaction financière sur la base des informations d'autorisation et des métadonnées de transaction corrélées. La totalité ou des parties des métadonnées de transaction peuvent être fournies à un ou plusieurs utilisateurs après que la transaction a été autorisée ou refusée.
CA3208415A 2021-02-16 2022-02-15 Partage de donnees direct Pending CA3208415A1 (fr)

Applications Claiming Priority (11)

Application Number Priority Date Filing Date Title
US17/176,673 US11288668B1 (en) 2021-02-16 2021-02-16 Enhanced feedback exposure for users based on transaction metadata
US17/176,668 US20220261809A1 (en) 2021-02-16 2021-02-16 Parallel Transaction Pre-Authorization Platform
US17/176,648 US11257083B1 (en) 2021-02-16 2021-02-16 Dynamic transaction metadata validation adjustment based on network conditions
US17/176,663 US11443312B2 (en) 2021-02-16 2021-02-16 Enhanced feedback exposure for merchants based on transaction metadata
US17/176,668 2021-02-16
US17/176,673 2021-02-16
US17/176,642 US11182797B1 (en) 2021-02-16 2021-02-16 Direct data share
US17/176,648 2021-02-16
US17/176,663 2021-02-16
US17/176,642 2021-02-16
PCT/US2022/016485 WO2022177915A1 (fr) 2021-02-16 2022-02-15 Partage de données direct

Publications (1)

Publication Number Publication Date
CA3208415A1 true CA3208415A1 (fr) 2022-08-25

Family

ID=80461157

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3208415A Pending CA3208415A1 (fr) 2021-02-16 2022-02-15 Partage de donnees direct

Country Status (3)

Country Link
EP (1) EP4295300A1 (fr)
CA (1) CA3208415A1 (fr)
WO (1) WO2022177915A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11797999B1 (en) * 2022-11-28 2023-10-24 Intuit, Inc. Detecting fraudulent transactions

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2010246009B2 (en) * 2009-05-04 2014-04-10 Visa International Service Association Demographic analysis using time-based consumer transaction histories
US10089683B2 (en) * 2010-02-08 2018-10-02 Visa International Service Association Fraud reduction system for transactions
US20160086185A1 (en) * 2014-10-15 2016-03-24 Brighterion, Inc. Method of alerting all financial channels about risk in real-time
US10290001B2 (en) * 2014-10-28 2019-05-14 Brighterion, Inc. Data breach detection
US11334856B2 (en) * 2018-11-21 2022-05-17 Capital One Services, Llc Check tampering prevention using blockchain

Also Published As

Publication number Publication date
WO2022177915A1 (fr) 2022-08-25
EP4295300A1 (fr) 2023-12-27

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Legal Events

Date Code Title Description
EEER Examination request

Effective date: 20230814

EEER Examination request

Effective date: 20230814