METHOD AND SYSTEM FOR A PAYMENT PROCESS TO REDUCE FRAUD
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United States of America Patent
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Issued Date -
Feb 13, 2014
app pub date -
Aug 10, 2012
filing date -
Aug 10, 2012
priority date (Note) -
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Abstract
A method for processing a reservation includes: receiving reservation information, the information including a consumer identifier, merchant identifier, payment information, and a date and/or time; storing the information; transmitting the consumer identifier and the date and/or time to a merchant associated with the merchant identifier; identifying fulfillment of the reservation; and transmitting the information for payment of a transaction. A method for processing a financial transaction includes: receiving transaction information for a financial transaction to be processed, the information including a consumer identifier, merchant identifier, payment information, and an expected date and/or time of the financial transaction; storing the information; receiving an authorization request for the financial transaction, the request including the consumer identifier, the merchant identifier, a received date and/or time, and a transaction amount; and processing the transaction using the information if the received date and/or time is temporally proximal to the expected date and/or time.
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