RECOVERY OF TRANSACTION INFORMATION
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United States of America Patent
Stats
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N/A
Issued Date -
Dec 17, 2009
app pub date -
Apr 30, 2009
filing date -
May 2, 2008
priority date (Note) -
Abandoned
status (Latency Note)
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Importance
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Abstract
Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | |
---|---|---|
VISA U S A INC | P O BOX 194607 SAN FRANCISCO CA US 94119-4607 |
International Classification(s)
- [Classification Symbol]
- [Patents Count]
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Faith, Patrick | Pleasanton , US | 198 | 14365 |
Hammad, Ayman | Pleasanton , US | 317 | 20385 |
Koganti, Krishna Prasad | Cupertino , US | 33 | 2136 |
Mason, Taylor Montgomery | Wilmington , US | 1 | 73 |
Steele, Kim | Aldie , US | 6 | 813 |
Van, Deloo Lori D | Los Altos , US | 8 | 282 |
Weller, Kevin | San Anselmo , US | 18 | 1795 |
Wong, Kevin Eric | Sausalito , US | 2 | 116 |
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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