摘要 |
Systems and methods are presented for determining risk levels for consumer-to-consumer (C2C) transactions on brokering websites. The risk levels can be based on payment processing network (e.g. Visa) account data as well as external data, such as geo-location using IP addresses, fraud bureau data, and star ratings. The buying and selling consumers can have multiple risk scores for each transaction, such as a fraud, credit, return/chargeback, dissatisfaction, product misuse, nonreturnable, and defect risk scores. The buying and selling consumers can trade their risk levels before proceeding with the transaction. |
申请人 |
VISA INTERNATIONAL SERVICE ASSOCIATION;WINTERS, MICHELLE;SIEGEL, KEVIN;BYCE, CHARLES |
发明人 |
WINTERS, MICHELLE;SIEGEL, KEVIN;BYCE, CHARLES |