Microsoft Corporation
Passing a trusted transaction signal

Abstract:

A trusted transaction signal is passed from a merchant to an account provider. A merchant receives a payment account association with a transaction between a customer and the merchant, and determines a level of risk for the transaction. If the customer is unknown to the merchant, the trust level is determined to be a default trust level. If the customer is known to the merchant, then a risk assessment determines whether the trust level is the default trust level, or a second, greater, trust level. A transaction notification is sent to the account provider. When the trust level is the default level, the notification includes a merchant ID that identifies the merchant and signifies the default trust level for the transaction. When the trust level is the greater level, the notification includes a different merchant ID that also identifies the merchant, but represents the second trust level for the transaction.