SYSTEMS AND METHODS FOR RESCUING PURCHASE TRANSACTIONS

摘要

Provided herein are techniques for rescuing a commercial transaction identified as suspect, possibly based on suspicion of fraud or due to the risk associated with the commercial transaction. Various implementations include systems and methods that can rescue a purchase transaction involving a purchasing party (hereafter, a “purchaser”) and a selling party (hereafter, a merchant”). The item or items being purchased in the purchase transaction can include goods, a services, or property interests (e.g., real, intellectual, or otherwise). Particular implementations can facilitate the rescuing of a purchase transaction that has been declined, canceled or suspended (e.g., pending further review) by an involved party (e.g., the selling party) based on that party's concern (e.g., fraud or high risk) with respect to the purchase transaction.

主权项

1. A system comprising:
a purchase transaction information engine configured to receive first data regarding a purchase transaction between a purchaser and a merchant, the purchase transaction involving a pre-authorization for payment by the purchaser to the merchant using an electronic payment method; an electronic payment processor information engine configured to provide an electronic payment processing system with second data regarding the purchase transaction, the electronic payment processing system being configured to assist in processing payments by the electronic payment method; a purchase transaction validation engine configured to receive from the electronic payment processing system third data regarding validity of the payment of the purchase transaction; a merchant system data interface engine configured to provide fourth data to a merchant system regarding a possibility of rescuing the purchase transaction based on the third data, the merchant system processing the purchase transaction between the purchaser and the merchant.