18474729. MULTILAYER IDENTITY TRANSACTION CONTROL AND VERIFICATION FOR E-COMMERCE TRANSACTIONS (Visa International Service Association)
MULTILAYER IDENTITY TRANSACTION CONTROL AND VERIFICATION FOR E-COMMERCE TRANSACTIONS
Organization Name
Visa International Service Association
Inventor(s)
Sean Nathaniel Barding of Spring Hill TN US
Haochuan Zhou of Redwood City CA US
Shivani Shivanand Suryawanshi of Foster City CA US
Clarence Siu of San Francisco CA US
MULTILAYER IDENTITY TRANSACTION CONTROL AND VERIFICATION FOR E-COMMERCE TRANSACTIONS
This abstract first appeared for US patent application 18474729 titled 'MULTILAYER IDENTITY TRANSACTION CONTROL AND VERIFICATION FOR E-COMMERCE TRANSACTIONS
Original Abstract Submitted
Systems and methods for automated transaction control and verification for e-commerce platforms, the method comprising receiving, by a control server, data elements of an e-commerce transaction, wherein each data element of the data elements is of a data element-type of a plurality of data element-types; inputting, by the control server, the data elements in a multi-layer identity verification module; generating, by the multi-layer identity verification module, based on the data elements, a verification score for an identity variable of at least one layer of the multi-layer identity verification module, wherein the identity variable is comprised of at least one of the plurality of data element-types; and directing an e-commerce merchant system to apply a transaction outcome action based on implementation of transaction rules set by the e-commerce merchant system that are based on the verification score.
