Patent ID: 11887125
Assignee: BLACKHAWK NETWORK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 3:
4. The system of claim 1, wherein, in response to a determination that the risk score one of meets or exceeds the risk threshold or that the first party is on the banned access list, the application is further configured to cause the processor to at least one of:
disable the stored-value card;
reverse a transaction made with the stored-value card;
place a value associated with the stored-value card on hold;
decrease one of accessibility to, or options for use of, the website, by at least one of enabling Captcha, increasing shipping time, increasing a transaction processing time, lowering a shopping limit associated with the profile or the stored-value card, and removing high-risk products from availability for purchase, wherein the banned access list comp rises a list of parties, wherein parties on the banned access list are prohibited from at least one of accessing the merchant website or using a payment device to engage in a transaction.