METHOD AND SYSTEM FOR RISK BASED DECISIONING FOR ONE CLICK CHECKOUT

摘要

A method for issuer-based decisioning for single action purchases includes: storing an issuer profile, wherein the issuer profile is a structured data set related to an issuing institution including at least a scoring threshold; receiving data from a web server associated with a merchant, the data comprising at least transaction data related to a proposed payment transaction and browser data related to a web browsing application program used to access the web server; calculating a risk score based on at least the transaction data and browser data; determining a purchase procedure of a plurality of purchase procedures based on the calculated risk score and the scoring threshold, wherein the plurality of purchase procedures includes purchase procedures (i) enabling initiation of the payment transaction via a single user action, and (ii) requiring additional user authentication; and electronically transmitting the determined purchase procedure to the web server.