US 11,935,059 B2
System to reduce false declines using supplemental devices
Shubham Agrawal, Round Rock, TX (US); Karankumar Hiteshbha Patel, Austin, TX (US); Chiranjeet Chetia, Round Rock, TX (US); Deepam Tiwan, Austin, TX (US); and Navendu Misra, Austin, TX (US)
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on May 31, 2019, as Appl. No. 16/428,530.
Prior Publication US 2020/0380523 A1, Dec. 3, 2020
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/3224 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/405 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method comprising:
storing, by a service provider, an association between a user and a plurality of user devices of a user, the plurality of user devices including a primary user device of the user and one or more secondary user devices of the user,
wherein the primary user device is configured to initiate a transaction,
wherein the one or more secondary user devices are electronic devices of the user provided near or on the user, and configured to passively collect and provide context data including at least biometric information associated with the user of the primary user device collected by the one or more secondary user devices,
wherein the biometric information includes a heart rate of the user;
receiving, at the service provider from a resource provider, an authorization request message associated with a transaction initiated using the primary user device with a transaction terminal of the resource provider;
determining, based on the authorization request message, a level of risk associated with the transaction;
determining that the level of risk is greater than a threshold value;
determining, at the service provider, that the transaction is provisionally declined based on the level of risk being greater than the threshold value;
upon determining that the transaction is provisionally declined and before generating and transmitting an authorization response message declining the transaction:
receiving, by the service provider from the one or more secondary user devices, the context data that comprises input passively collected by the one or more secondary user devices at a time of the transaction, wherein the input includes at least biometric information associated with the user;
comparing the context data including the biometric information obtained by one or more secondary user devices to reference biometric information expected of a person conducting a similar transaction;
determining a degree to which the context data supports an authenticity of the user based on a result of comparing and a type of secondary user device from which the context data was received;
adjusting the level of risk based on the degree to which the context data supports the authenticity of the user, wherein the adjusted level of risk based on a first type of secondary user device is higher than the adjusted level of risk based on a second type of secondary user device;
approving the transaction if the adjusted level of risk is less than the threshold value;
generating the authorization response message indicating whether the transaction is approved or declined; and
transmitting the authorization response message to the resource provider.