US 10,893,034 B2
Presenting a personalized value added offer during an advanced verification process
Thomas L. Bethke, II, Scottsdale, AZ (US); Umesh Singh Chauhan, Phoenix, AZ (US); Nageshwara R. Chirravuri, Phoenix, AZ (US); Danielle R. Cloud, Scottsdale, AZ (US); Mark R. Reese, Phoenix, AZ (US); and James D. Vaughn, Phoenix, AZ (US)
Assigned to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC., New York, NY (US)
Filed by American Express Travel Related Services Company, Inc., New York, NY (US)
Filed on Apr. 25, 2017, as Appl. No. 15/496,739.
Application 15/496,739 is a continuation in part of application No. 15/097,498, filed on Apr. 13, 2016.
Prior Publication US 2017/0300910 A1, Oct. 19, 2017
Int. Cl. G06Q 30/00 (2012.01); H04L 29/06 (2006.01); G06Q 30/02 (2012.01); G06Q 20/12 (2012.01); G06Q 20/38 (2012.01)
CPC H04L 63/08 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/387 (2013.01); G06Q 30/0222 (2013.01); G06Q 30/0253 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
tracking, by a processor and via a computer network, a plurality of transactions associated with an account holder;
determining, by the processor, an acceptance rate of value added offers accepted by the account holder;
determining, by the processor, an abandonment rate of value added offers abandoned by the account holder;
receiving, by the processor and via a first access point, a purchase request for a full purchase amount from a computing device of the account holder;
receiving, by the processor, an enrollment verification request, wherein the enrollment verification request comprises data relating to the account holder;
determining, by the processor, an enrollment status of the account holder in a secondary authentication system, based at least in part on data about the enrollment of the account holder;
determining, by the processor, a value added offer, wherein the value added offer is based at least in part on the account holder and comprises at least one of: an account credit, an amount of reward points, a coupon, or a purchase protection plan;
transmitting, by the processor, an authorization request for the full purchase amount to an issuer computing device that issued the account;
configuring, by the processor, a secondary authentication interface personalized for the account holder, wherein the secondary authentication interface is configured to:
(i) prompt the account holder to enter a first plurality or security credentials based on the acceptance rate, and
(ii) prompt the account holder to enter a second plurality of security credentials based on the abandonment rate; and
displaying, by the processor via a second access point, the secondary authentication interface on the computing device of the account holder, wherein the secondary authentication interface comprises the value added offer and the first plurality of security credentials prompt or the second plurality of security credentials prompt.