Systems and methods for a multi-tiered fraud alert review
First Claim
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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Accused Products
Abstract
Embodiments of systems and methods for fraud review are disclosed. The systems may comprise multi-tiered computing systems which may receive fraud alerts from multiple sources. A computing system in a tier may receive a fraud alert and use one or more fraud risk metrics to determine whether the fraud alert should be escalated. If the computing system determines that the fraud alert should be escalated, the computing system may transmit an escalation message to a higher tier computing system. If the computing system determines that the fraud alert should not be escalated, the computing system may transmit a message to a fraud prevention computing system. In some embodiments, the computing system may determine that the fraud alert is a false positive and transmit a false positive message to the source of the fraud alert such as a lower tier computing system.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system comprising:
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a first level risk database; a first level computing system, comprising a memory and a processor executing instructions stored in the memory, configured to; receive a first level fraud alert notification message from a webserver; retrieve 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 the first level risk database; determine 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 that the first level fraud risk score exceeds a first level fraud threshold; generate 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; transmit the second level fraud alert notification message to a second level computing system, wherein the second level computing system, comprising a memory and a processor executing instructions stored in the memory, is at a higher tier than the first level computing system; transmit 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 that the first level fraud risk score is below the first level fraud threshold; transmit 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. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification