FRAUD/RISK BUREAU

• US 20100325035A1
• Filed: 06/16/2010
• Published: 12/23/2010
• Est. Priority Date: 06/18/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ewing, Ann, Nelsen, Mark, Hilgers, Nancy, Nightengale, Brad
• Application Number:
  US12/816,785
• Publication Number:
  US 20100325035A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

Systems and methods for generating fraud/risk report for consumers are disclosed. A server computer in a fraud/risk system receives a request from a client computer of a user for a fraud/risk report associated with a consumer. The server computer queries a database that stores pre-filtered data provided from third party sources, and data (filtered or not filtered) from a payment processing network that processes payment card transactions. The pre-filtered data are associated with reported fraudulent activities. The server computer then generates a fraud/risk report and provides that report to the client computer of the user. The report includes the pre-filtered data that were associated with the consumer. The fraud/risk report may also be customized based on the request of the user or based on pre-determined criteria stored in the server computer.

Claims

1. A method comprising:

receiving a request for data associated with a consumer from a client computer at a server computer;

querying a database, using the server computer, for data associated with a consumer, wherein the database stores pre-filtered data associated with reported fraudulent activities, and wherein the pre-filtered data are provided from a plurality of data sources and a payment processing network; and

generating a report including the information retrieved from the database, using the server computer.

2. The method of claim 1, further comprising:

validating receipt of the request for data;

authenticating the request;

determining whether the request complies with a set of pre-defined standards; and

providing the report to the client computer.

3. The method of claim 1, wherein the report is a fraud report that indicates whether the consumer is a target of identity fraud.

4. The method claim 1, wherein the report is a risk report that indicates a probability that the consumer may defraud a business entity.

5. The method of claim 1, wherein the plurality of data sources includes a bank.

6. The method of claim 1, wherein the plurality of data sources includes a credit bureau.

7. The method of claim 1, wherein the payment processing network communicates with an acquirer and an issuer to facilitate a payment transaction.

8. The method of claim 1, wherein the report is a customized report.

9. The method of claim 8, wherein the report is customized based on a request from a user operating the client computer.

10. The method of claim 8, wherein the customized report includes a degree of match, date of an incident, entity involved, and the data source that reported the pre-filtered data.

11. A system comprising:

a server computer having a processor and a computer readable medium, wherein the computer readable medium stores code executable by the processor, for implementing a method comprising;

receiving a request for data associated with a consumer from a client computer at a server computer;

querying a database, using the server computer, for data associated with a consumer, wherein the database stores pre-filtered data associated with reported fraudulent activities, and wherein the pre-filtered data are provided from a plurality of data sources and a payment processing network; and

generating a report including the information retrieved from the database, using the server computer.

12. The system of claim 11, wherein the method further comprises:

validating receipt of the request for data;

authenticating the request;

determining whether the request complies with a set of pre-defined standards; and

providing the report to the client computer.

13. The system of claim 11, wherein the report is a fraud report that indicates whether the consumer is a target of identity fraud.

14. The system of claim 11, wherein the report is a risk report that indicates the probability that the consumer may defraud a business entity.

15. The system of claim 11, wherein the report is a customized report.

16. The system of claim 11, wherein the report is customized based on a request from user.

17. The system of claim 11, wherein the customized report includes a degree of match, date of an incident, entity involved, and the data source that reported the pre-filtered data.

18. A method comprising:

submitting a request to a server computer using a client computer, wherein the request includes an identifier for a consumer; and

receiving a report from the server computer, wherein the report includes data derived from pre-filtered data from a plurality of data sources and data from a payment processing network.

19. The method of claim 18, wherein the identifier includes at least one of a name, address, social security number, and phone number, and wherein the method further comprises customizing the request by indicating the types of data to be placed in the report.

20. A computer readable medium comprising code, executable by a processor for performing the method of claim 19.

21. A server computer comprising the processor and the computer readable medium of claim 20 coupled to the processor.