Relaxed fraud detection for transactions using virtual transaction cards

Patent metadata

Field	Value
Publication number	US-11836707-B2
Application number	US-202217659540-A
Country	US
Kind code	B2
Filing date	Apr 18, 2022
Priority date	Oct 12, 2018
Publication date	Dec 5, 2023
Grant date	Dec 5, 2023

Abstract

A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.

First claim

What is claimed is:

1. A method, comprising:
receiving, by a device, an authorization request associated with a transaction, wherein the authorization request includes:
a first identifier associated with a virtual transaction card associated with the transaction, and
a second identifier associated with a merchant associated with the transaction;

performing, by the device, a first authorization procedure to determine whether the second identifier satisfies a threshold level of similarity with a third identifier associated with the merchant,
wherein the third identifier is associated with a request to generate the virtual transaction card; and

selectively causing, by the device and based on determining whether to forego a second authorization procedure based on a result of the first authorization procedure, an authorization response to be provided to another device associated with the merchant,
wherein the authorization response includes an indication of whether the transaction is approved.

2. The method of claim 1 , wherein the authorization request is part of a checkout procedure of a website.

3. The method of claim 1 , wherein the request to generate the virtual transaction card is received via an extension of a browser accessing a website.

4. The method of claim 1 , wherein the request to generate the virtual transaction card is received via an extension of a browser accessing a website, and
wherein the request includes a network address associated with a webpage that is being displayed via the browser.

5. The method of claim 1 , wherein performing the first authorization procedure comprises:
determining whether the transaction is occurring within a threshold time period after generating the virtual transaction card.

6. The method of claim 1 , wherein the authorization request includes at least one of:
information associated with the virtual transaction card,
the third identifier, or
a time stamp indicating a time the authorization request is generated.

7. The method of claim 1 , further comprising:
updating a data structure to associate the first identifier, a time stamp associated with the request to generate the virtual transaction card, and the second identifier, with each other; and
performing the first authorization procedure based on information associated with the data structure.

8. A device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive an authorization request associated with a transaction, wherein the authorization request includes:
a first identifier associated with a virtual transaction card associated with the transaction, and
a second identifier associated with a merchant associated with the transaction;

perform a first authorization procedure to determine whether the second identifier satisfies a threshold level of similarity with a third identifier associated with the merchant,
wherein the third identifier is associated with a request to generate the virtual transaction card; and
selectively cause, based on determining whether to forego a second authorization procedure based on a result of the first authorization procedure, a transaction approval to be provided to another device associated with the merchant.

9. The device of claim 8 , wherein the authorization request is part of a checkout procedure of a website.

10. The device of claim 8 , wherein the request to generate the virtual transaction card is received via an extension of a browser accessing a website.

11. The device of claim 8 , wherein the request to generate the virtual transaction card is received via an extension of a browser accessing a website, and
wherein the request includes a network address associated with a webpage that is being displayed via the browser.

12. The device of claim 8 , wherein the one or more processors, to perform the first authorization procedure, are configured to:
determine whether the transaction is occurring within a threshold time period after generating the virtual transaction card.

13. The device of claim 8 , wherein the authorization request includes at least one of:
information associated with the virtual transaction card,
the third identifier, or
a time stamp indicating a time the authorization request is generated.

14. The device of claim 8 , wherein the one or more processors are further configured to:
update a data structure to associate the first identifier, a time stamp associated with the request to generate the virtual transaction card, and the second identifier, with each other; and
perform the first authorization procedure based on information associated with the data structure.

15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a device, cause the device to:
receive a first request associated with a transaction, wherein the first request includes:
a first identifier associated with a virtual transaction card associated with the transaction, and
a second identifier associated with a merchant associated with the transaction;

perform a first authorization procedure to determine whether the second identifier satisfies a threshold level of similarity with a third identifier associated with the merchant,
wherein the third identifier is associated with a second request to generate the virtual transaction card; and

selectively cause, based on determining whether to forego a second authorization procedure based on a result of the first authorization procedure, a transaction approval to be provided to another device associated with the merchant.

16. The non-transitory computer-readable medium of claim 15 , wherein the first request is part of a checkout procedure of a website.

17. The non-transitory computer-readable medium of claim 15 , wherein the second request to generate the virtual transaction card is received via an extension of a browser accessing a website.

18. The non-transitory computer-readable medium of claim 15 , wherein the second request to generate the virtual transaction card is received via an extension of a browser accessing a website, and
wherein the second request includes a network address associated with a webpage that is being displayed via the browser.

19. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to perform the first authorization procedure, cause the device to:
determine whether the transaction is occurring within a threshold time period after generating the virtual transaction card.

20. The non-transitory computer-readable medium of claim 15 , wherein the first request includes at least one of:
information associated with the virtual transaction card,
the third identifier, or
a time stamp indicating a time the first request is generated.

Assignees

• Capital One Services Llc

Inventors

• Benkreira Abdelkadar M'Hamed
• Edwards Joshua
• Vukich Adam

Classifications

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06F16/955 Primary

  using information identifiers, e.g. uniform resource locators [URL] · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06F21/6245

  Protecting personal data, e.g. for financial or medical purposes · CPC title