Data breach detection
First Claim
1. A data processing system that is artificial intelligence based and computer implemented for the detection of merchant data breaches, comprising:
- means that receives an inflow of payment transaction data over a network comprising merchant identifiers and visiting payment card identifiers into a risk and compliance platform part of a data processing system;
means that computes a fraud score for each constituent transaction in a daily run of said payment transaction data with said risk and compliance platform;
means that marks any said constituent transactions with fraud scores computed to exceed a first threshold, and that sorts these into a table data structure according to a transaction date, a cardholder, and a merchant;
means that tallies for each corresponding merchant in said constituent transactions a number of payment card visits apparent in the daily payment transaction data that received a fraud score exceeding said first threshold and thereby classified as suspect or suspicious, and that tallies a total number for all payment card visits in said constituent transactions;
means that scores any data tallied in the table data structure according to a number of payment card visits that are suspected or at least highly probable of fraud, and that computes a total of all payment card visits;
means that standardizes and normalizes the fraud scores of any payment card visits according to a score-balancing multiplication factor applied to each of many merchant size groupings into a consistent fraud score;
means that sums said consistent fraud scores together into a daily final fraud score;
means that issues particular warnings of a merchant data breach if any of said daily final fraud scores exceeds a second threshold value; and
means that issues a general warning of an underlying and expanding security rupture computed to stem in common from a merchant data breach.
2 Assignments
0 Petitions
Accused Products
Abstract
A merchant data breach process comprises processing daily payment transaction data with a risk and compliance platform to obtain a fraud score for each constituent transaction. Constituent transactions with high risk fraud scores are sorted into a table according to the transaction date, cardholder, and merchant. The table data is scored according to suspected card visits, highly probable visits, and all card visits. The scores are normalized according to merchant size grouping through the use of multipliers. The normalized scores are summed together day-by-day into a final score. A timely warning of an underlying and expanding security rupture caused by a merchant data breach is issued for damage control and law enforcement.
33 Citations
9 Claims
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1. A data processing system that is artificial intelligence based and computer implemented for the detection of merchant data breaches, comprising:
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means that receives an inflow of payment transaction data over a network comprising merchant identifiers and visiting payment card identifiers into a risk and compliance platform part of a data processing system; means that computes a fraud score for each constituent transaction in a daily run of said payment transaction data with said risk and compliance platform; means that marks any said constituent transactions with fraud scores computed to exceed a first threshold, and that sorts these into a table data structure according to a transaction date, a cardholder, and a merchant; means that tallies for each corresponding merchant in said constituent transactions a number of payment card visits apparent in the daily payment transaction data that received a fraud score exceeding said first threshold and thereby classified as suspect or suspicious, and that tallies a total number for all payment card visits in said constituent transactions; means that scores any data tallied in the table data structure according to a number of payment card visits that are suspected or at least highly probable of fraud, and that computes a total of all payment card visits; means that standardizes and normalizes the fraud scores of any payment card visits according to a score-balancing multiplication factor applied to each of many merchant size groupings into a consistent fraud score; means that sums said consistent fraud scores together into a daily final fraud score; means that issues particular warnings of a merchant data breach if any of said daily final fraud scores exceeds a second threshold value; and means that issues a general warning of an underlying and expanding security rupture computed to stem in common from a merchant data breach. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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Specification