Method of processing a transaction request

Abstract

A transaction processing system is arranged to receive, from a user device, transaction data and outcome data associated with outcomes of one or more previous transactions. Based on the transaction data and the outcome data, the transaction processing system may process the transaction request according to a particular transaction process and update the outcome data. The updated outcome data may be sent to the user device and stored for use in processing a future transaction.

1 - 15 . (canceled) 
     
     
         16 . A method comprising:
 determining, from a user device, (i) transaction data associated with a first transaction and (ii) outcome data associated with outcomes of one or more previous transactions;   based at least in part on the transaction data and the outcome data, processing the first transaction according to a transaction process of a plurality of transaction processes;   based at least in part on processing the first transaction according to the transaction process, generating updated outcome data; and   sending the updated outcome data to the user device, wherein the updated outcome data is stored on the user device for processing a second transaction.   
     
     
         17 . The method as  claim 16  recites, wherein the transaction data comprises first transaction data, the transaction process comprises a first transaction process, the updated outcome data comprises first updated outcome data, and the method further comprising:
 determining, from the user device, (i) second transaction data associated with the second transaction and (ii) the updated outcome data; 
 based at least in part on the second transaction data and the updated outcome data, processing the second transaction according to the first transaction process or a second transaction process of the plurality of transaction processes; 
 based at least in part on processing the second transaction, generating second updated outcome data; and 
 sending the second updated outcome data to the user device, wherein the second updated outcome data is stored on the user device for processing a future transaction. 
 
     
     
         18 . The method as  claim 16  recites, wherein the outcome data is stored in a cookie in a browser application executing on the user device. 
     
     
         19 . The method as  claim 16  recites wherein the outcome data is associated with a score, of a plurality of scores, corresponding to a level of risk associated with the first transaction. 
     
     
         20 . The method as  claim 19  recites, wherein individual transaction processes of the plurality of transaction processes are associated with unique scores of the plurality of scores. 
     
     
         21 . The method as  claim 19  recites, wherein the score comprises a first score, and the updated outcome data is associated with a second score. 
     
     
         22 . The method as  claim 16  recites, wherein a first transaction process of the plurality of transaction processes contains an additional validation process relative to a second transaction process of the plurality of transaction processes. 
     
     
         23 . The method as  claim 16  recites, wherein a first transaction process of the plurality of transaction processes contains an alternative validation process relative to a second transaction process of the plurality of transaction processes. 
     
     
         24 . The method as  claim 16  recites, wherein an outcome of the outcomes comprises at least one of completed fraud risk, completed successful, completed declined, completed velocity breach, or abandoned. 
     
     
         25 . A system comprising:
 one or more processors; and   one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:
 determining, from a user device, (i) transaction data associated with a first transaction and (ii) outcome data associated with outcomes of one or more previous transactions; 
 based at least in part on the transaction data and the outcome data, processing the first transaction according to a transaction process of a plurality of transaction processes; 
 based at least in part on processing the first transaction according to the transaction process, generating updated outcome data; and 
 sending the updated outcome data to the user device, wherein the updated outcome data is stored on the user device for processing a second transaction. 
   
     
     
         26 . The system as  claim 25  recites, wherein the transaction data comprises first transaction data, the transaction process comprises a first transaction process, the updated outcome data comprises first updated outcome data, and the acts further comprising:
 determining, from the user device, (i) second transaction data associated with the second transaction and (ii) the updated outcome data; 
 based at least in part on the second transaction data and the updated outcome data, processing the second transaction according to the first transaction process or a second transaction process of the plurality of transaction processes; 
 based at least in part on processing the second transaction, generating second updated outcome data; and 
 sending the second updated outcome data to the user device, wherein the second updated outcome data is stored on the user device for processing a future transaction. 
 
     
     
         27 . The system as  claim 25  recites, wherein the outcome data is stored in a cookie in a browser application executing on the user device. 
     
     
         28 . The system as  claim 25  recites, wherein a first transaction process of the plurality of transaction processes contains an additional validation process relative to a second transaction process of the plurality of transaction processes. 
     
     
         29 . The system as  claim 25  recites, wherein a first transaction process of the plurality of transaction processes contains an alternative validation process relative to a second transaction process of the plurality of transaction processes. 
     
     
         30 . The system as  claim 25  recites, wherein an outcome of the outcomes comprises at least one of completed fraud risk, completed successful, completed declined, completed velocity breach, or abandoned. 
     
     
         31 . One or more non-transitory computer-readable media storing instructions executable by one or more processors that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:
 determining, from a user device, (i) transaction data associated with a first transaction and (ii) outcome data associated with outcomes of one or more previous transactions;   based at least in part on the transaction data and the outcome data, processing the first transaction according to a transaction process of a plurality of transaction processes;   based at least in part on processing the first transaction according to the transaction process, generating updated outcome data; and   sending the updated outcome data to the user device, wherein the updated outcome data is stored on the user device for processing a second transaction.   
     
     
         32 . The one or more non-transitory computer-readable media as  claim 31  recites, wherein the outcome data is associated with on a score, of a plurality of scores, corresponding to a level of risk associated with the first transaction. 
     
     
         33 . The one or more non-transitory computer-readable media as  claim 32  recites, wherein individual transaction processes of the plurality of transaction processes are associated with unique scores of the plurality of scores. 
     
     
         34 . The one or more non-transitory computer-readable media as  claim 32  recites, wherein the score comprises a first score, and the updated outcome data is associated with a second score. 
     
     
         35 . The one or more non-transitory computer-readable media as  claim 31  recites, wherein an outcome of the outcomes comprises at least one of completed fraud risk, completed successful, completed declined, completed velocity breach, or abandoned.