Systems and methods for accessing records via derivative locators
First Claim
1. A method of providing fraud indicators, the method comprising:
- receiving, by a computer processor of a fraud detection server, an encrypted transaction data packet comprising first transaction information associated with a financial transaction verification standard from a transaction processing computing server for an open transaction, the encrypted transaction data packet comprising a first timestamp and the first transaction information comprising shared transaction specific information available to a plurality of servers including at least the fraud detection server, a remote financial server, and the transaction processing computing server, wherein the shared transaction specific information is a subset of the transaction information and the shared transaction specific information is communicated from one computing server to another computing server in the plurality of servers to process the open transaction in accordance with the financial transaction verification standard;
formulating, by the computer processor of the fraud detection server, a first derivative locator based on the first transaction information, wherein the first derivative locator encodes at least a portion of the shared transaction specific information;
linking, by the computer processor of the fraud detection server, an electronic transaction record describing the open transaction with the first derivative locator and the first timestamp;
storing, by the computer processor of the fraud detection server, the linked electronic transaction record, the first derivative locator, and the first time stamp in a repository;
receiving, by the computer processor of the fraud detection server, a request for the electronic transaction record from the remote financial server, wherein the request comprises a second encrypted transaction data packet comprising a second timestamp and second transaction information having the shared transaction specific information;
determining, by the computer processor of the fraud detection server, a second derivative locator associated with the request, wherein the second derivative locator is formed based at least partly on second transaction information associated with the financial verification standard communicated from the transaction processing computing server to the remote financial server;
searching, by the computer processor of the fraud detection server, the repository using the second derivative locator to find a matching first derivative locator; and
in response to a determination that the first derivative locator is the same as the second derivative locator;
determining, by the computer processor of the fraud detection server, a difference between the second timestamp and the first timestamp corresponding to the electronic transaction record; and
in response to a determination that the difference between the first timestamp and the second timestamp is within a threshold value;
receiving, by the computer processor of the fraud detection server, electronic records from the repository corresponding to the first derivative locator and the first time stamp, the records comprising the electronic transaction record describing the open transaction and one or more automated fraud analysis indicators associated with one or more of the records, the one or more automated fraud analysis indicator generated using device information in a plurality of records aggregated from multiple sources over time and including an indication of a likelihood that the open transaction is associated with a fraudulent device; and
returning, by the computer processor of the fraud detection server, the electronic transaction record and the one or more automated fraud analysis indicators to the remote financial server.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer'"'"'s device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository.
723 Citations
20 Claims
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1. A method of providing fraud indicators, the method comprising:
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receiving, by a computer processor of a fraud detection server, an encrypted transaction data packet comprising first transaction information associated with a financial transaction verification standard from a transaction processing computing server for an open transaction, the encrypted transaction data packet comprising a first timestamp and the first transaction information comprising shared transaction specific information available to a plurality of servers including at least the fraud detection server, a remote financial server, and the transaction processing computing server, wherein the shared transaction specific information is a subset of the transaction information and the shared transaction specific information is communicated from one computing server to another computing server in the plurality of servers to process the open transaction in accordance with the financial transaction verification standard; formulating, by the computer processor of the fraud detection server, a first derivative locator based on the first transaction information, wherein the first derivative locator encodes at least a portion of the shared transaction specific information; linking, by the computer processor of the fraud detection server, an electronic transaction record describing the open transaction with the first derivative locator and the first timestamp; storing, by the computer processor of the fraud detection server, the linked electronic transaction record, the first derivative locator, and the first time stamp in a repository; receiving, by the computer processor of the fraud detection server, a request for the electronic transaction record from the remote financial server, wherein the request comprises a second encrypted transaction data packet comprising a second timestamp and second transaction information having the shared transaction specific information; determining, by the computer processor of the fraud detection server, a second derivative locator associated with the request, wherein the second derivative locator is formed based at least partly on second transaction information associated with the financial verification standard communicated from the transaction processing computing server to the remote financial server; searching, by the computer processor of the fraud detection server, the repository using the second derivative locator to find a matching first derivative locator; and in response to a determination that the first derivative locator is the same as the second derivative locator; determining, by the computer processor of the fraud detection server, a difference between the second timestamp and the first timestamp corresponding to the electronic transaction record; and in response to a determination that the difference between the first timestamp and the second timestamp is within a threshold value; receiving, by the computer processor of the fraud detection server, electronic records from the repository corresponding to the first derivative locator and the first time stamp, the records comprising the electronic transaction record describing the open transaction and one or more automated fraud analysis indicators associated with one or more of the records, the one or more automated fraud analysis indicator generated using device information in a plurality of records aggregated from multiple sources over time and including an indication of a likelihood that the open transaction is associated with a fraudulent device; and returning, by the computer processor of the fraud detection server, the electronic transaction record and the one or more automated fraud analysis indicators to the remote financial server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system for providing an indicator of fraud, the system comprising:
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a fraud detection server configured to establish a connection with a plurality of network servers over a network, the plurality of network servers comprising a transaction processing computing server and a remote financial server; a data store configured to store computer-executable instructions; and a processor in communication with the data store, the processor, when executing the computer-executable instructions, configured to; receive an encrypted transaction data packet comprising a first transaction information associated with a financial transaction verification standard from the transaction processing computing server for an open transaction, the encrypted transaction data pack comprising a first timestamp and the first transaction information comprising shared transaction specific information available to a plurality of servers including at least the fraud detection server, the remote financial server, and the transaction processing computing server, wherein the shared transaction specific information is a subset of the transaction information and the shared transaction specific information is communicated from one computing server to another computing server in the plurality of servers to process the open transaction in accordance with the financial transaction verification standard; formulate a first derivative locator based on the first transaction information, the first derivative locator formulated based on transaction information between a user device and a merchant, the derivative locator encoding at least a portion of the transaction information; link an electronic transaction record describing the open transaction with the first derivative locator and the first timestamp; store the linked transaction record, the first derivative locator and the first timestamp in a repository; receive a request for the electronic transaction record from the remote financial server, the request comprising a second encrypted data packet comprising a second timestamp and second transaction information having the shared transaction specific information; determine a second derivative locator associated with the request, wherein the second derivative locator is formed based at least partly on second transaction information associated with the financial verification standard communicated from the transaction processing computing device to the remote financial server; search the repository using the second derivative locator to find a matching first derivative locator; and in response to a determination that the first derivative locator is the same as the second derivative locator; determine a difference between the second timestamp and the first timestamp corresponding to the electronic transaction record; and in response to a determination that the difference between the first timestamp and the second timestamp is within a threshold value; receive electronic records from the repository corresponding to the first derivative locator and the first timestamp, the records comprising the electronic transaction record describing the open transaction and one or more automated fraud analysis indicators associated with one or more of the records, the one or more automated fraud analysis indicators generated based on device information in a plurality of records aggregated from multiple sources over time and includes an indication of a likelihood that a fraudulent device is involved in the open transaction; return the electronic transaction record and the one or more automated fraud analysis indicators to the remote financial server. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A non-transitory computer storage having stored thereon a computer program, the computer program comprising executable instructions that instruct a computer system to at least:
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receive, by a computer processor of a fraud detection server, an encrypted transaction data packet comprising first transaction information associated with a financial transaction verification standard from a transaction processing computing server for an open transaction, the encrypted transaction data packet comprising a first timestamp and the first transaction information comprising shared transaction specific information available to a plurality of servers including at least the fraud detection server, a remote financial server, and the transaction processing computing server, wherein the shared transaction specific information is a subset of the transaction information and the shared transaction specific information is communicated from one computing server to another computing server in the plurality of servers to process the open transaction in accordance with the financial transaction verification standard; formulate, by the computer processor of the fraud detection server, a first derivative locator based on the first transaction information, the first derivative locator encoding at least a portion of the shared transaction specific information; link, by the computer processor of the fraud detection server, an electronic transaction record describing the open transaction with the first derivative locator and the first timestamp; store, by the computer processor of the fraud detection server, the linked electronic transaction record, the first derivative locator, and the first time stamp in a repository; receive, by the computer processor of the fraud detection server, a request for the electronic transaction record from the remote financial server, wherein the request comprises a second encrypted transaction data packet comprising a second timestamp and second transaction information having the shared transaction specific information; determine, by the computer processor of the fraud detection server, a second derivative locator associated with the request, the second derivative locator formed based at least partly on second transaction information associated with the financial verification standard communicated from the transaction processing computing device to the remote financial server; search, by the computing processor of the fraud detection server, the repository using the derivative locator to find a matching first derivative locator; and in response to a determination that the first derivative locator is the same as the second derivative locator; determine, by the computer processor of the fraud detection server, a difference between the second timestamp and the first timestamp corresponding to the electronic transaction record; and in response to a determination that the difference between the first timestamp and the second timestamp is within a threshold value; receive, by the computer processor of the fraud detection server, electronic records from the repository corresponding to the first derivative locator and the first time stamp, the records comprising the electronic transaction record describing the open transaction and one or more automated fraud analysis indicators associated with one or more of the records, the one or more automated fraud analysis indicator generated using device information in a plurality of records aggregated from multiple sources over time and including an indication of a likelihood that the open transaction is associated with a fraudulent device; and return, by the computer processor of the fraud detection server, the electronic transaction record and the one or more automated fraud analysis indicators to the remote financial server. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification