Patent ID: 9106638
Filing Date: 2015-08-11
Classification: G06Q,H04L,H04W

Abstract:
1. One or more non-transitory computer-readable media storing computer-useable instructions to perform a computer-implemented method configured to provide fast authorization, the method comprising: receiving a request to authorize a transaction from a user; determining whether the user is a returning user, wherein a database is accessed to identify a transaction frequency associated with the user and to identify whether the user is a returning user when the transaction frequency associated with the user and stored in the database is above a specified threshold, wherein the specified threshold is a percentage of transactions divided by the number of network devices; when the user is a returning user, temporarily storing the user information and immediately authorizing the transaction without waiting for an authorization response when a limit on the number of fast authorization is not surpassed; and when the user is not a returning user or the user is a returning user and the limit on the number of fast authorizations is surpassed, waiting for authorization before authorizing the transaction.