Method for selectively verifying or blocking remote purchase requests
View Patent ↗A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing financial institution. The method includes receiving and storing a first purchase request information set including an origin and a card number. Further, the origin and the card number are sent to the card issuing financial institution to determine if the origin matches an origin on file for the card number at the card issuing financial institution.
1. A computer system configured to selectively block a remote purchase request in which a purchaser attempts to use a card number to make a remote purchase of an item from a vendor, the computer system comprising:
a data input subsystem including a physical interface configured to receive (i) information from a purchase request information set including an origin of the purchase request representing either a telephone number or internet address, a card number, a requested item identification, and a number of requested items, and (ii) a current remote purchase request information set;
a physical memory subsystem including non-transient storage media configured to store the received information and the current remote purchase request information set;
a physical processor configured to implement a logic subsystem configured:
to determine whether the number of items in remote purchase requests from the origin in a same class as the requested item exceeds a threshold number of such items; and
to block the remote purchase request responsive to the number of items in the same class as the requested item purchased from the origin exceeding the threshold number of such items.
2. The system of claim 1 , wherein the logic subsystem is configured such that:
the determination of whether the number of items in remote purchase requests from the origin in a same class as the requested item exceeds a threshold number of such items comprises determining whether the number of items in a same class as the requested item purchased from the origin within a set time period exceeds a preset threshold number of such items for the set time period; and
the blocking blocks the remote purchase request responsive to the number of items in the same class as the requested item purchased from the origin within the set time period exceeding the preset threshold number of such items for the set time period.
3. The system of claim 1 , wherein the logic subsystem is configured such that the number of items in the same class as the requested item includes the number of said item in the remote purchase request.
4. The system of claim 1 , wherein the logic subsystem is configured such that the determination is made prior to a merchant delivering the remote purchase request to a card issuer for approval and processing, and such that blocking comprises blocking the remote purchase request from being delivered to the card issuer.
5. The system of claim 1 , the logic subsystem is further configured to determine whether said origin is a public or semi-public telephone; and to block said remote purchase request responsive to said origin being a public or semi-public telephone.
6. A computer system configured to partially verify the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, the system comprising:
a physical processor configured to implement a logic subsystem configured:
to determine, based on a history of purchases made from said origin, a factor related to whether the remote purchase request is legitimate;
to generate an indication that the remote purchase request is partially verified responsive to a time period within which goods have previously been purchased using the card number or origin exceeding a numerical calculation including both a set time period and said factor; and
to transmit said indication to said card issuing institution together with data from said purchase request.
7. The system of claim 6 wherein the logic subsystem is further configured:
to determine whether said origin is a public or semi-public telephone; and
to transmit to said card issuing institution an indication that said remote purchase request is not partially verified responsive to a determination that said origin is a public or semi-public telephone.
8. A computer system configured to partially verify the legitimacy of a remote purchase request based on a card number from a card issuing institution and an origin from which said remote purchase request is made, the system comprising:
a physical processor configured to implement a logic subsystem configured:
to determine, based on a history of purchases made from said origin, a first factor related to whether the remote purchase request is legitimate;
to determine, based on a history of purchases made using said card number, a second factor related to whether the remote purchase request is legitimate;
to generate an indication that the remote purchase request is partially verified responsive to a time period within which goods have previously been purchased using the card number or origin exceeding a numerical calculation including both a set time period and a selected one of said first or second factors; and
to transmit said indication to said card issuing institution together with data from said purchase request.
9. The system of claim 8 wherein the logic subsystem is further configured:
to determine whether said origin is a public or semi-public telephone; and
to transmit to said card issuing institution an indication that said remote purchase request is not partially verified responsive to a determination that said origin is a public or semi-public telephone.