US 11,836,707 B2
Relaxed fraud detection for transactions using virtual transaction cards
Abdelkadar M'Hamed Benkreira, Washington, DC (US); Joshua Edwards, Philadelphia, PA (US); and Adam Vukich, Springfield, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 18, 2022, as Appl. No. 17/659,540.
Application 17/659,540 is a continuation of application No. 16/555,426, filed on Aug. 29, 2019, granted, now 11,315,106.
Application 16/555,426 is a continuation of application No. 16/159,223, filed on Oct. 12, 2018, granted, now 10,402,817, issued on Sep. 3, 2019.
Prior Publication US 2022/0237589 A1, Jul. 28, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); G06F 16/955 (2019.01)
CPC G06Q 20/351 (2013.01) [G06F 16/955 (2019.01); G06Q 20/354 (2013.01); G06Q 20/409 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by a device, an authorization request associated with a transaction, wherein the authorization request includes:
a first identifier associated with a virtual transaction card associated with the transaction, and
a second identifier associated with a merchant associated with the transaction;
performing, by the device, a first authorization procedure to determine whether the second identifier satisfies a threshold level of similarity with a third identifier associated with the merchant,
wherein the third identifier is associated with a request to generate the virtual transaction card; and
selectively causing, by the device and based on determining whether to forego a second authorization procedure based on a result of the first authorization procedure, an authorization response to be provided to another device associated with the merchant,
wherein the authorization response includes an indication of whether the transaction is approved.