Suyun Te Xu

US Patent:

20140324699, Oct 30, 2014

Filed:

Apr 28, 2014

Appl. No.:

14/263654

Inventors:

Charles Ding - San Carlos CA, US
Aoyu Chen - San Jose CA, US
Suyun Xu - Foster City CA, US
Kevin Siegel - Mountain View CA, US

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

Embodiments of the invention relate in part to determining a testing model and providing a testing transaction score for transactions. The testing transaction score may indicate a likelihood that the transaction is a testing transaction. One embodiment of the invention discloses a method comprising receiving a first authorization message for a first transaction using an account, determining a testing transaction score for the first transaction using a testing model, and determining that the first transaction is a testing transaction based on the testing transaction score, wherein the testing transaction score for the first transaction is used for declining a second transaction using the same account conducted after the first transaction.