Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2004-06-07
2010-10-05
Fischer, Andrew J. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C726S002000, C726S026000, C726S027000
Reexamination Certificate
active
07809650
ABSTRACT:
A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
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Bruesewitz Belva J.
Faith Patrick
Hilgers Nancy
Li Xiaoli
Siegel Kevin
Dega Murali
Fischer Andrew J.
Townsend and Townsend / and Crew LLP
Visa U.S.A. Inc.
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