| CPC G06Q 20/401 (2013.01) [G06Q 20/204 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/4016 (2013.01); G06Q 20/42 (2013.01)] | 20 Claims |
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1. A method, comprising:
prior to receiving an indication of an electronic transaction being initiated by a user of a client computing device:
receiving, by a server system, an indication of a first user interface (UI) action taken with respect to a software user interface displayed on the client computing device, wherein the first UI action corresponds to at least one of a user mouse action of a first user or a user touchscreen action of the first user, wherein the software user interface is rendered via a program executing on the client computing device;
predicting, by the server system based on at least the first UI action, an amount of time available between the first UI action and a time at which the user will initiate the electronic transaction within which to perform server-side pre-transaction processing operations;
selecting, by the server system based on the predicted amount of time, a number and type of pre-transaction processing operations to be performed during server-side pre-transaction processing;
responsive to the predicting, the selecting, and the indication of the first UI action taken with respect to the software user interface displayed on the client computing device, the server system performing server-side pre-transaction processing operations for the electronic transaction, wherein the electronic transaction is initiable via the software user interface but has not yet been initiated by the user, and wherein the server-side pre-transaction processing operations comprise:
identifying a device identity of the client computing device using hardware identification information for the client computing device;
determining a user account associated with the client computing device;
identifying one or more items available for purchase corresponding to the software user interface, wherein the user has taken one or more UI actions with respect to the identified one or more items available for purchase;
beginning an assessment of a risk of executing the electronic transaction prior to the user initiating the electronic transaction; and
caching results of the server-side pre-transaction processing operations;
subsequent to beginning the assessment of the risk, receiving, by the server system, an indication that the user has selected a UI element displayed via the software user interface, wherein user selection of the UI element initiates the electronic transaction; and
approving or denying, by the server system, the electronic transaction based on retrieving the cached results of the server-side pre-transaction processing operations.
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