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Systems and methods for a multi-tiered fraud alert review

  • US 10,467,632 B1
  • Filed: 12/13/2017
  • Issued: 11/05/2019
  • Est. Priority Date: 12/13/2016
  • Status: Active Grant
First Claim
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1. A computer-implemented method comprising:

  • receiving, by a first level computing system, a first level fraud alert notification message from a webserver;

    retrieving, by the first level computing system, one or more data records associated with the first level fraud alert notification message and one or more data records of first level fraud risk metrics from a first level risk database;

    determining, by the first level computing system, a first level fraud risk score based upon the one or more data records associated with the first level fraud alert notification message and the one or more data records of the first level fraud metrics;

    upon determining by the first level computing system that the first level fraud risk score exceeds a first level fraud threshold;

    generating, by the first level computing system, a second level fraud alert notification message, wherein the second level fraud alert notification message includes one or more data fields indicating an escalation of the first level fraud alert notification message;

    transmitting, by the first level computing system, the second level fraud alert notification message to a second level computing system, wherein the second level computing system is at a higher tier than the first level computing system;

    transmitting, by the first level computing system, a stop execution message to the webserver, wherein the stop execution message instructs the webserver to stop executing computer operations associated with the first level fraud alert notification message; and

    upon determining by the first level computing system that the first level fraud risk score is below the first level fraud threshold;

    transmitting, by the first level computing system, a continue execution message to the webserver, wherein the continue execution message instructs the webserver to continue executing computer operations associated with the first level fraud alert notification message.

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