Patent ID: 7959074
Filing Date: 2011-06-14
Classification: G06Q

Abstract:
1. A method for a computing system of an online merchant to automatically authorize proposed item purchase transactions in a selective manner, the method comprising: automatically analyzing information about prior purchase transactions in which customers purchased items from the online merchant but the online merchant did not successfully obtain payment from the customers for the items, each of the prior purchase transactions having a credit card indicated to be used for an indicated payment amount for one or more items, the analyzing for use in identifying factors that are frequently associated with payment not being received; receiving indications of multiple proposed purchase transactions that each involve a customer of the online merchant purchasing one or more items from the online merchant for an indicated payment amount, each proposed transaction having an indicated credit card of the customer to be used by the online merchant to obtain the indicated payment amount for the proposed transaction; for each of the proposed purchase transactions, determining whether to perform the proposed transaction based on assessing whether the online merchant will successfully obtain the indicated payment amount for the proposed transaction using the indicated credit card for the proposed transaction, by for each proposed purchase transaction that is determined to be performed, initiating delivery of the one or more items for the proposed transaction.