Abstract: Various embodiments provide systems for registering a user with one or more websites. Such systems comprise at least one processor configured to: receive an IP address for a computing device being used by the user; and after receiving the IP address: (1) obtain a location associated with the IP address; and (2) identify whether the user is in a jurisdiction that permits the user to register with a website. The systems may then receive one or more parameters obtained from the user, upon which the systems verify an age of the user; determine which of the one or more types of transaction activities the user is permitted to conduct; query one or more registration attempts over a predetermined previous time period to identify duplicate or similar parameters; and verify the user's identity based at least on one of the one or more parameters. Associated methods are also provided.

Abstract: Various embodiments provide systems for registering a user with one or more websites. Such systems comprise at least one processor configured to: receive an IP address for a computing device being used by the user; and after receiving the IP address: (1) obtain a location associated with the IP address; and (2) identify whether the user is in a jurisdiction that permits the user to register with a website. The systems may then receive one or more parameters obtained from the user, upon which the systems verify an age of the user; determine which of the one or more types of transaction activities the user is permitted to conduct; query one or more registration attempts over a predetermined previous time period to identify duplicate or similar parameters; and verify the user's identity based at least on one of the one or more parameters. Associated methods are also provided.

Abstract: Various embodiments provide systems for monitoring a plurality of users over one or more websites. Such systems comprise a memory and at least one processor configured to: (a) receive transaction information from the one or more websites for the plurality of users; (b) after receiving the transaction information: (1) determine norms of behavior based on the transaction information; (2) compare the one or more attributes from the transaction information for each individual user of the plurality of users against the norms of behavior; (3) identify individual users of the plurality of users as potentially problem users, the potentially problem users comprising each individual user of the plurality of users who has at least one attribute diverge from the norms of behavior; and (4) save information on the potentially problem users in the memory. Associated methods are likewise provided.

Abstract: Various embodiments provide systems for validating transaction activity a user may perform on a website in which the user has engaged in an initial interactive session. According to particular embodiments, the system comprises a memory and at least one processor configured to: (a) receive, from the website, information identifying the user and information that the user is engaging in the initial interactive session with the website; and (b) after receiving the information: (1) validate one or more transaction activities the user can engage in during an interactive session with the website; (2) issue a session identifier that is associated with the plurality of validated transaction activities, the website, and the initial interactive session with the website; and (3) store the session identifier along with the information identifying the user, the website, and the initial interactive session in the memory. Associated methods are also provided.

Abstract: Various embodiments provide systems and methods for monitoring a user over at least two websites. The systems and methods are configured to: (a) receive self-exclusion information from the user; (b) after receiving the self-exclusion information: (1) associate a unique user identifier that identifies the user with the self-exclusion information; and (2) store the unique user identifier and the self-exclusion information; (c) receive a first request from a first website to validate whether the user can engage in one or more first types of transaction activities; (d) after receiving the first request: (1) query the memory based on the unique user identifier; and (2) in response, send the first website a first indication that the user is excluded from engaging in the at least one of the first types of transaction activities. Second requests for a second website are then handled analogously. Associated methods are likewise provided.

Abstract: Various embodiments provide systems for registering a user with at least two websites. The systems comprise a memory and at least one processor configured to (1) receive a first set of attributes from a first website for the user; (2) allocate a unique user identifier that is associated with the user; (3) associate the unique user identifier and the first set of attributes; and (4) store the unique user identifier and the first set of attributes in the memory. In particular embodiments, the processor is further configured to receive a second set of attributes from a second website for the user, and after receiving the second set of attributes compare one or more attributes of the first set of attributes with one or more attributes of the second set of attributes. Associated methods are also provided.

Abstract: Various embodiments provide systems for clearing and settling one or more transaction activities conducted between a user and a website. According to particular embodiments, the system comprises a memory and at least one processor configured to: (a) receive one or more clearing files comprising information collected on the one or more transaction activities; (b) receive one or more settlement files comprising information related to funds associated with the one or more transaction activities; (c) credit an electronic settlement account by re-presenting the funds in the settlement account; (d) reconcile the funds credited to the settlement account by comparing the information from the one or more clearing files with the information from the one or more settlement files; and (e) facilitate one or more adjustments to the settlement account such that the funds remaining in the settlement account are due to the website. Associated methods are also provided.

Abstract: Various embodiments provide systems for managing chargeback requests. Such systems comprise a memory and at least one processor configured to: (a) retrieve transaction parameters associated with the previously executed transaction from the memory; (b) retrieve historical parameters associated with one or more other previously executed transaction activities conducted by the user from the memory; (c) compare one or more transaction parameters with one or more historical parameters to identify at least one correlation; and (d) after identifying at least one correlation, transmit information on the at least one correlation to be used as evidence sufficient to support a finding that the user did conduct the previously executed transaction activity with the website. Associated methods are also provided.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

Abstract: Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.