METHOD AND SYSTEM FOR DETERMINING FRAUD IN A CARD-NOT-PRESENT TRANSACTION
First Claim
1. A computer system for fraud detection associated with a card-not-present payment card system interchange network, the fraud detection computer system comprising:
- a network host site;
an interchange network comprising a processor communicatively coupled to a memory device for storing data and to said network host site, said processor programmed to;
receive a card transaction authorization request message from a merchant through an acquirer for a card-not-present (CNP) transaction, the card transaction authorization request message including a fraud risk score request indicator;
route the card transaction authorization request to the network host site to perform CNP fraud risk scoring;
based on criteria of the card transaction authorization request, call by the network host site at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request;
calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile using the defined fraud scoring model;
transmit the message to an issuer of the payment card for approval of the request; and
route the card transaction authorization request response message to the merchant through the acquirer, including the issuer authorization decision and the CNP fraud risk score.
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Accused Products
Abstract
A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.
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Citations
24 Claims
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1. A computer system for fraud detection associated with a card-not-present payment card system interchange network, the fraud detection computer system comprising:
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a network host site; an interchange network comprising a processor communicatively coupled to a memory device for storing data and to said network host site, said processor programmed to; receive a card transaction authorization request message from a merchant through an acquirer for a card-not-present (CNP) transaction, the card transaction authorization request message including a fraud risk score request indicator; route the card transaction authorization request to the network host site to perform CNP fraud risk scoring; based on criteria of the card transaction authorization request, call by the network host site at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request; calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile using the defined fraud scoring model; transmit the message to an issuer of the payment card for approval of the request; and route the card transaction authorization request response message to the merchant through the acquirer, including the issuer authorization decision and the CNP fraud risk score. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-implemented method of performing a payment card transaction fraud risk scoring, said method comprising:
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for a card-not-present (CNP) transaction, receiving a payment card transaction authorization request message from a merchant, the card transaction authorization request message including a fraud risk score request indicator; requesting performance of a CNP fraud risk scoring; receiving a CNP fraud risk score calculated based on the current transaction authorization request data and a payment card account profile, the payment card account profile updated with the current CNP transaction data in real time using a defined fraud scoring model; receiving a response to the payment card authorization message from the issuer associated with the payment card account; populating the calculated CNP fraud risk score within the card authorization request message; and routing the card transaction authorization request response message to at least one of the acquirer and the merchant, including the card issuer authorization decision and the CNP fraud risk score. - View Dependent Claims (14, 15, 16, 17)
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18. One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:
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for a card-not-present (CNP) transaction, receive a payment card transaction authorization request message from a merchant, the card transaction authorization request message including a fraud risk score request indicator; request performance of a CNP fraud risk scoring; receive a CNP fraud risk score calculated based on the current transaction authorization request data and a payment card account profile, the payment card account profile updated with the current CNP transaction data in real time using a defined fraud scoring model; populate the calculated CNP fraud risk score within the card authorization request message; receive a response to scored payment card authorization message from the issuer associated with the payment card account; and route the card transaction authorization request response message to at least one of the acquirer and the merchant, including the card issuer authorization decision and the CNP fraud risk score. - View Dependent Claims (19, 20, 21, 22)
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23. A computer-implemented method of providing a fraud risk score for a card-not-present (CNP) payment card transaction, said method comprising:
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receiving, at web service interface from at least one of an acquirer, a merchant, and a fraud services provider, a service call including card-not-present (CNP) transaction information and a fraud risk score request; requesting a fraud risk score associated with the CNP transaction information from data storage; receiving a previously determined CNP fraud risk score calculated based on the CNP transaction information; and routing, through the web service interface, the CNP fraud risk score to the acquirer, merchant, or fraud services provider that requested the fraud risk score. - View Dependent Claims (24)
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Specification