US 11,704,709 B2
Systems and methods for proactively informing users of an age of a merchant during online transactions
Abdelkader Benkreira, New York, NY (US); Joshua Edwards, Philadelphia, PA (US); and Michael Mossoba, Arlington, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 19, 2020, as Appl. No. 16/877,893.
Prior Publication US 2021/0366010 A1, Nov. 25, 2021
Int. Cl. G06Q 30/0601 (2023.01); G06F 16/955 (2019.01); G08B 21/18 (2006.01); G06F 40/205 (2020.01); H04L 9/40 (2022.01)
CPC G06Q 30/0609 (2013.01) [G06F 16/9566 (2019.01); G06F 40/205 (2020.01); G08B 21/182 (2013.01); H04L 63/102 (2013.01)] 8 Claims
OG exemplary drawing
 
1. A system, comprising:
one or more processors; and
memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
request a first merchant identifier associated with a merchant from a first payment processor database and a second merchant identifier associated with the merchant from a second payment processor database;
receive the first merchant identifier associated with the merchant from the first payment processor database and the second merchant identifier associated with the merchant form the second payment processor database;
retrieve or receive a first uniform resource locator (URL) associated with the merchant;
store the first merchant identifier, the second merchant identifier, and the first URL in a first database to generate a first data entry for the merchant;
in response to a web browser extension via a user device detecting that a user is preparing to make an online purchase, receive an age request for the merchant from the user device, wherein the age request comprises a second URL;
identify the first merchant identifier and the second merchant identifier in the first database based on the second URL;
request a first age of the merchant from the first payment processor database based on the first merchant identifier and a second age of the merchant from the second payment processor database based on the second merchant identifier;
receive the first age of the merchant from the first payment processor database and the second age of the merchant from the second payment processor database;
determine that the first age of the merchant is older than the second age of the merchant based on transaction timestamps associated with the first and second merchant identifiers; and
transmit the first age of the merchant to the user device for display.