发明名称 Method and apparatus for reducing fraudulent credit transactions by requiring merchant return of multi-digit authorization codes
摘要 Processes for reducing fraudulent credit transactions, including financial (e.g., credit, charge, debit, etc.) card transactions, are introduced, in which merchants receive multi-digit authorization codes from a credit provider (e.g., a customer transaction account card user) with all approved transactions. To guarantee payment, all merchants are required to later resubmit the multi-digit authorization code with every record of charge, regardless of dollar amount, as verification that an authorization was obtained. Merchants that fail to provide any authorization code, or an incorrect authorization code, will be subject to a chargeback for non-compliance.
申请公布号 US7644035(B1) 申请公布日期 2010.01.05
申请号 US20050132233 申请日期 2005.05.19
申请人 AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,INC. 发明人 BIFFLE JAN L.;SACHETI SANDEEP K.
分类号 G06Q40/00 主分类号 G06Q40/00
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