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US Patent 11669838 Dynamic transmission metadata validation adjustment based on network conditions

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Is a
Patent
Patent
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Patent attributes

Patent Applicant
Capital One
Capital One
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Current Assignee
Capital One
Capital One
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Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
116698380
Date of Patent
June 6, 2023
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Patent Application Number
175738750
Date Filed
January 12, 2022
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Patent Citations
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US Patent 9031877 Credit card fraud prevention system and method
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US Patent 9117230 Apparatus and method for providing transaction history information, account history information, and/or charge-back information
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US Patent 10423959 Voice recognition to authenticate a mobile payment
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US Patent 11270311 Systems and methods for a context-driven electronic transactions fraud detection
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US Patent 10482467 Systems and methods for blocking credit card charges
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US Patent 7962424 Overdraft licenses and license distribution
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US Patent 8352315 Pre-authorization of a transaction using predictive modeling
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US Patent 8606714 Flexible account management for customer transactions and overdrafts
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...
Patent Primary Examiner
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Kirsten S Apple
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CPC Code
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G06Q 20/401
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G06Q 40/00
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Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

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