SYSTEM AND METHOD FOR MANAGING A FRAUD EXCHANGE

• US 20120296692A1
• Filed: 05/19/2011
• Published: 11/22/2012
• Est. Priority Date: 05/19/2011
• Status: Abandoned Application

• Current Assignee: Fis Financial Compliance Solutions LLC (Fidelity National Information Services Incorporated)
• Original Assignee: Fis Financial Compliance Solutions LLC (Fidelity National Information Services Incorporated)
• Inventors: Sverdlov, Yakov I., Waks, Mark Jeffrey, O'Malley, John Edward, Loughlin, Maria Margaret
• Application Number:
  US13/111,804
• Publication Number:
  US 20120296692A1
• Time in Patent Office: Days
• US Class Current: 705/7.28
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities

Abstract

Systems and methods for presenting fraud detection information are presented. In one example, a computer system for managing and enabling communication of information potentially pertinent to identifying fraudulent activity receives requests via a producer interface, to store a plurality of data points potentially pertinent to identifying fraudulent activity from a plurality of source systems. A fraud exchange engine performs an analysis of the data points to produce a relational data point. And a consumer interface receives, from at least one target system, a request to retrieve at least one of a set of the plurality of data points and the at least one relational data point.

Claims

1. A computer system for managing and enabling communication of information potentially pertinent to identifying fraudulent activity, the computer system comprising:

a memory storing a plurality of data points identified as pertinent to potentially fraudulent activity, the plurality of data points including a first data point received from a first source system and a second data point received from a second source system different than the first source system;

at least one processor coupled to the memory;

a producer interface executed by the at least one processor and configured to receive, from a plurality of source systems, requests to store the plurality of data points, the plurality of source systems including the first source system and the second source system;

a fraud exchange engine executed by the at least one processor and configured to perform an analysis of the plurality of data points including the first data point and the second data point to produce at least one relational data point, wherein the relational data point is stored in the memory; and

a consumer interface executed by the at least one processor and configured to receive, from at least one target system, a request to retrieve at least one of a set of the plurality of data points and the at least one relational data point.

2. The computer system according to claim 1, wherein the analysis performed by the fraud exchange engine of the first data point and the second data point includes at least one of accumulating, aggregating, filtering, trending and adjusting.

3. The computer system according to claim 2, wherein the fraud exchange engine is configured to produce the at least one relational data point in response to performing the analysis and determining association criteria shared by the first data point and the second data point.

4. The computer system according to claim 2, wherein the fraud exchange engine is configured to perform trending of the first data point and the second data point into the at least one relational data point in response to determining a trend of behavior shared by the first data point and the second data point.

5. The computer system according to claim 2, wherein the fraud exchange engine is configured to adjust a summary of at least one of the plurality of data points stored in the memory in response to receiving at least one of the first data point and the second data point.

6. The computer system according to claim 1, wherein the consumer interface is further configured to receive, from the at least one target system, a request to subscribe to a second set of data points, the second set of data points including at least one of all data points, a set of enumerated data points, a set of relational data points and a set of data points based on association criteria, wherein a subscription associating the at least one target system with the set of data points is stored into the memory, in response to receiving the request.

7. The computer system according to claim 6, wherein the second set of data points includes the first data point and the second data point, the first data point and the second data point represent a different activity, and the fraud exchange engine is further configured to issue, to the at least one target system, a first message corresponding to the first data point and a second message corresponding to the second data point.

8. The computer system according to claim 6, wherein the second set of data points includes the first data point and the second data point, the first data point and the second data point represent a same activity, and the fraud exchange engine is further configured to issue a first message corresponding to the first data point and the second data point.

9. The computer system according to claim 1, wherein the fraud exchange engine is further configured to issue a message corresponding to the at least one relational data point after performing the analysis of the first data point and the second data point and producing the at least one relational data point.

10. The computer system according to claim 1, wherein the consumer interface is further configured to receive, from an agent system, a request to retrieve at least one of a second set of the plurality of data points and the at least one relational data point.

11. The computer system according to claim 1, wherein the consumer interface is configured to communicate to the at least one target system, at least one of the set of data points and the at least one relational data point in response to the request from the at least one target system.

12. The computer system according to claim 1, wherein the consumer interface is configured to receive, from a third source system, a request to retrieve at least one of a second set of data points and the at least one relational data point.

13. The computer system according to claim 1, wherein the producer interface is configured to receive, from the at least one target system, a request to store at least one of a second set of data points and the at least one relational data point.

14. The computer system according to claim 1, wherein the producer interface is configured to receive, from at least one source system, at least one assertion regarding at least one of an identity, an attribute, and an entitlement of a subject and at least one data point relating to the at least one source system.

15. The computer system according to claim 14, wherein the at least one assertion received by producer interface is based on SAML protocol.

16. The computer system according to claim 1, wherein the consumer interface is configured to receive a request to generate at least one assertion about a subject based on at least one of a second set of data points and the at least one relational data point.

17. The computer system according to claim 1, wherein the fraud exchange engine is configured to communicate a message, via the consumer interface, to the at least one target system, altering a process executing on the least one target system.

18. A computer implemented method for managing and enabling communication of information potentially pertinent to identifying fraudulent activity, the method comprising:

receiving, by a computer, a plurality of data points potentially pertinent to identifying fraudulent activity from a plurality of source systems, the plurality of data points including a first data point received from a first source system and a second data point received from a second source system different than the first source system, the plurality of source systems including the first source system and the second source system;

storing, by the computer, the plurality of data points in memory;

performing an analysis of the plurality of data points including the first data point and the second data point to produce at least one relational data point;

storing, by the computer, the at least one relational data point in the memory; and

receiving, by the computer, from at least one target system, a request to retrieve at least one of a set of data points and the at least one relational data point.

19. The method according to claim 18, wherein the act of performing an analysis of the first data point and the second data point further includes performing at least one of accumulating, aggregating, trending, filtering and adjusting.

20. The method according to claim 19, wherein the act of performing the analysis to produce the relational data point is performed in response to determining association criteria shared by the first data point and the second data point.

21. The method according to claim 19, wherein the act of trending the first data point and the second data point to produce the at least one relational data point is performed in response to determining a trend of behavior common to the first data point and the second data point.

22. The method according to claim 19, wherein the act of performing the analysis of the first data point and the second data point includes adjusting a summary of at least one data point stored in the memory in response to receiving at least one of the first data point and the second data point.

23. The method according to claim 18, the method further comprises:

receiving, from the at least one target system, a request to subscribe to a second set of data points, the second set of data points including at least one of all data points, a set of enumerated data points, a set of relational data points and a set of data points based on an association criteria; and

storing, responsive to receiving the request, a subscription associating the at least one target system with the set of data points.

24. The method according to claim 23, wherein the second set of data points includes the first data point and the second data point, the first data point and the second data point pertinent to a different activity, and the method further includes issuing, to the at least one target system, a first message corresponding to the first data point and a second message corresponding to the second data point.

25. The method according to claim 23, wherein the second set of data points includes the first data point and the second data point, the first data point and the second data point pertinent to a same activity, and the method further includes issuing, to the at least one target system, a first message corresponding to the first data point and the second data point.

26. The method according to claim 18, the method further comprises issuing, to the at least one target system, a message corresponding to the at least one relational data point after performing the analysis of the first data point and the second data point and producing the at least one relational data point.

27. The method according to claim 18, the method further comprising:

receiving, from at least one of the plurality of source systems, at least one assertion regarding at least one of an identity, an attribute, an entitlement of a subject and at least one data point relating to the at least one source system; and

storing the at least one assertion in the memory.

28. The method according to claim 27, wherein the act of receiving the at least one assertion includes receiving at least one assertion based on SAML protocol.

29. The method according to claim 18, the method further includes:

receiving a request to generate at least one assertion about a subject from the at least one target system; and

generating the assertion based on at least one of a second set of data points and the at least one relational, in response to receiving the request.

30. The method according to claim 18, the method further includes communicating to the at least one target system, at least one of the set of data points and the at least one relational data point, in response to receiving the request from the at least one target system.

31. The method according to claim 18, the method further includes communicating a message to the at least one target system, altering a process executing on the least one target system.

33. The computer readable medium according to claim 30, wherein the instructions cause the at least one processor to perform the analysis of the first data point and the second data point further includes at least one of accumulating, aggregating, trending, filtering and adjusting.

34. The computer readable medium according to claim 31, wherein the instructions cause the at least one processor to produce the at least one relational data point in response to determining association criteria shared by the first data point and the second data point.

32. A non-transitory computer readable medium having stored thereon sequences of instruction for managing information potentially pertinent to identifying fraudulent activity including instructions that will cause at least one processor to:

receive a plurality of data points potentially pertinent to identifying fraudulent activity from a plurality of source systems, the plurality of data points including a first data point received from a first source system and a second data point received from a second source system different than the first source system;

store, by a computer, the plurality of data points in memory;

perform an analysis of the plurality of data points including the first data point and the second data point to produce at least one relational data point;

store, by the computer, the at least one relational data point in memory; and

receive, by the computer, from at least one target system, a request to retrieve at least one of a set of data points and the at least one relational data point.