Computer implemented systems and methods for fraud prevention in data transactions across disparate computing networks
First Claim
Patent Images
1. A method comprising:
- receiving, by a local computer network, a request initiated by a buyer;
sending, in response to the request initiated by the buyer, first profile information corresponding to a first organization from the local computer network to a first remote card computer network, the first remote card computer network performing secure data transactions between organizations on banking computer networks;
receiving, by the local computer network, from the first remote card computer network, second profile information corresponding to the first organization, the second profile information comprising a first remote identification, a partial transaction number, a designation of a first user having a first fraud prevention role in the first organization, first messaging information for the first user, a designation of a second user having a second fraud prevention role in the first organization, and second messaging information for the second user, wherein a first portion of the second profile information is security related information from the first remote card computer network that is not exposed to users;
generating, by the local computer network, a first message to the first user using the first messaging information, the first message comprising at least a portion of the first profile information, a first local identification associated with the first profile information, at least a portion of the second profile information, and the first remote identification;
receiving, by the local computer network, a first confirmation approving an association between the first local identification and the first remote identification;
generating, by the local computer network, a second message to the second user using the second messaging information, the second message comprising the portion of the first profile information, the first local identification, the portion of the second profile information, and the first remote identification;
receiving, by the local computer network, a second confirmation approving the association between the first local identification and the first remote identification;
determining, by the local computer network, if the first confirmation and the second confirmation have been received;
associating, by the local computer network, the first local identification and the first remote identification if the first confirmation and the second confirmation have been received;
receiving, from the buyer, by the local computer network, a data transfer instruction comprising the first local identification, a second local identification associated with a second organization of the buyer, and information specifying a data transaction;
mapping, by the local computer network, the first local identification from the data transfer instruction to the first remote identification and the second local identification from the data transfer instruction to a second remote identification to generate a remote execution instruction comprising the first remote identification, the second remote identification, and the information specifying the data transaction;
sending, by the local computer network, the remote execution instruction to the first remote card computer network; and
in response to receiving the remote execution instruction, the first remote card computer network;
accessing a first banking computer network using secure access information associated with the second remote identification to perform a debit operation; and
accessing a second banking computer network using secure access information associated with the first remote identification to perform a deposit operation.
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Abstract
In one embodiment, a local computer network includes profile information local identifications for multiple organizations. Remote profile information is stored on a remote computer network and transferred to the local network to perform secure transactions with other computer networks. Embodiments of the disclosure include linking remote and local identifications. In another embodiment, remote and local identifications are linked by generated multiple messages to different users in different roles to prevent fraud, for example.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a local computer network, a request initiated by a buyer; sending, in response to the request initiated by the buyer, first profile information corresponding to a first organization from the local computer network to a first remote card computer network, the first remote card computer network performing secure data transactions between organizations on banking computer networks; receiving, by the local computer network, from the first remote card computer network, second profile information corresponding to the first organization, the second profile information comprising a first remote identification, a partial transaction number, a designation of a first user having a first fraud prevention role in the first organization, first messaging information for the first user, a designation of a second user having a second fraud prevention role in the first organization, and second messaging information for the second user, wherein a first portion of the second profile information is security related information from the first remote card computer network that is not exposed to users; generating, by the local computer network, a first message to the first user using the first messaging information, the first message comprising at least a portion of the first profile information, a first local identification associated with the first profile information, at least a portion of the second profile information, and the first remote identification; receiving, by the local computer network, a first confirmation approving an association between the first local identification and the first remote identification; generating, by the local computer network, a second message to the second user using the second messaging information, the second message comprising the portion of the first profile information, the first local identification, the portion of the second profile information, and the first remote identification; receiving, by the local computer network, a second confirmation approving the association between the first local identification and the first remote identification; determining, by the local computer network, if the first confirmation and the second confirmation have been received; associating, by the local computer network, the first local identification and the first remote identification if the first confirmation and the second confirmation have been received; receiving, from the buyer, by the local computer network, a data transfer instruction comprising the first local identification, a second local identification associated with a second organization of the buyer, and information specifying a data transaction; mapping, by the local computer network, the first local identification from the data transfer instruction to the first remote identification and the second local identification from the data transfer instruction to a second remote identification to generate a remote execution instruction comprising the first remote identification, the second remote identification, and the information specifying the data transaction; sending, by the local computer network, the remote execution instruction to the first remote card computer network; and in response to receiving the remote execution instruction, the first remote card computer network; accessing a first banking computer network using secure access information associated with the second remote identification to perform a debit operation; and accessing a second banking computer network using secure access information associated with the first remote identification to perform a deposit operation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A plurality of non-transitory machine-readable mediums storing a program executable by at least one processing unit of a device, the program comprising sets of instructions for:
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receiving, by a local computer network, a request initiated by a buyer; sending, in response to the request initiated by the buyer, first profile information corresponding to a first organization from the local computer network to a first remote card computer network, the first remote card computer network performing secure data transactions between organizations on banking computer networks; receiving, by the local computer network from the first remote card computer network, second profile information corresponding to the first organization, the second profile information comprising a first remote identification, a partial transaction number, a designation of a first user having a first fraud prevention role in the first organization, first messaging information for the first user, a designation of a second user having a second fraud prevention role in the first organization, and second messaging information for the second user, wherein a first portion of the second profile information is security related information from the first remote card computer network that is not exposed to users; generating, by the local computer network, a first message to the first user using the first messaging information, the first message comprising at least a portion of the first profile information, a first local identification, at least a portion of the second profile information, and the first remote identification; receiving, by the local computer network, a first confirmation approving an association between the first local identification and the first remote identification; generating, by the local computer network, a second message to the second user using the second messaging information, the second message comprising the portion of the first profile information, the first local identification, the portion of the second profile information, and the first remote identification; receiving, by the local computer network, a second confirmation approving the association between the first local identification and the first remote identification; determining, by the local computer network, if the first confirmation and the second confirmation have been received; associating, by the local computer network, the first local identification and the first remote identification if the first confirmation and the second confirmation have been received; receiving, from the buyer, by the local computer network, a data transfer instruction comprising the first local identification, a second local identification associated with a second organization of the buyer, and information specifying a data transaction; mapping, by the local computer network, the first local identification from the data transfer instruction to the first remote identification and the second local identification from the data transfer instruction to a second remote identification to generate a remote execution instruction comprising the first remote identification, the second remote identification, and the information specifying the data transaction; sending, by the local computer network, the remote execution instruction to the first remote card computer network; and in response to receiving the remote execution instruction, the first remote card computer network; accessing a first banking computer network using secure access information associated with the second remote identification to perform a debit operation; and accessing a second banking computer network using secure access information associated with the first remote identification to perform a deposit operation. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer system comprising:
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a plurality of processors; a plurality of memories; and a plurality of software programs comprising instructions, executable on said processors, the software programs configured to; receive, by a local computer network, a request initiated by a buyer; send, by a local computer network, in response to the request initiated by the buyer, first profile information corresponding to a first organization from the local computer network to a first remote card computer network, the first remote card computer network performing secure data transactions between organizations on banking computer networks; receive, by the local computer network, from the first remote card computer network, second profile information corresponding to the first organization, the second profile information comprising a first remote identification, a partial transaction number, a designation of a first user having a first fraud prevention role in the first organization, first messaging information for the first user, a designation of a second user having a second fraud prevention role in the first organization, and second messaging information for the second user, wherein a first portion of the second profile information is security related information from the first remote card computer network that is not exposed to users; generate, by the local computer network, a first message to the first user using the first messaging information, the first message comprising at least a portion of the first profile information, a first local identification, at least a portion of the second profile information, and the first remote identification; receive, by the local computer network, a first confirmation approving an association between the first local identification and the first remote identification; generate, by the local computer network, a second message to the second user using the second messaging information, the second message comprising the portion of the first profile information, the first local identification, the portion of the second profile information, and the first remote identification; receive, by the local computer network, a second confirmation approving the association between the first local identification and the first remote identification; determine, by the local computer network, if the first confirmation and the second confirmation have been received; associate, by the local computer network, the first local identification and the first remote identification if the first confirmation and the second confirmation have been received; receive, from the buyer, by the local computer network, a data transfer instruction comprising the first local identification, a second local identification associated with a second organization of the buyer, and information specifying a data transaction; map, by the local computer network, the first local identification from the data transfer instruction to the first remote identification and the second local identification from the data transfer instruction to a second remote identification to generate a remote execution instruction comprising the first remote identification, the second remote identification, and the information specifying the data transaction; send, by the local computer network, the remote execution instruction to the first remote card computer network; and in response to receiving the remote execution instruction, the first remote card computer network; accessing a first banking computer network using secure access information associated with the second remote identification to perform a debit operation; and accessing a second banking computer network using secure access information associated with the first remote identification to perform a deposit operation. - View Dependent Claims (18, 19, 20)
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Specification