SYSTEM AND METHODS FOR PROCESSING A COMMUNICATION NUMBER FOR FRAUD PREVENTION
First Claim
1. A processor-implemented method for assessing risk associated with a termination point identifier, comprising:
- receiving a termination point identifier that is to be assessed for risk;
receiving device attributes, location attributes and network-derived characteristics of the termination point identifier;
evaluating, by a processor, the device attributes of the termination point identifier, location attributes of the termination point identifier, and network-derived characteristics of the termination point identifier using one or more rules, wherein each of the device attributes, location attributes, and network-derived characteristics of the termination point identifier is associated with a corresponding weight;
generating, by the processor, a score for the termination point identifier based on the evaluation and the weights associated with the device attributes, location attributes, and network-derived characteristics, wherein the score provides an assessment of risk associated with the termination point identifier; and
granting, denying or challenging, by the processor, a transaction request of a user associated with the termination point identifier based on evaluation of the score using one or more rules.
1 Assignment
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Accused Products
Abstract
A communication number processing system and methods for processing communication numbers or identifiers of various types to prevent fraud in transactions associated with the communication numbers are disclosed. The communication number processing system, in an example embodiment, verifies a communication number by retrieving characteristics data including network-derived characteristics data and/or other attributes relating to the communication number and processing the characteristics data and/or the attributes based on one or more rules. The communication number processing system further generates a fraud score for the communication number. A client system can then use the fraud score to assess a risk associated with engaging in a transaction with a user associated with the communication number.
58 Citations
40 Claims
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1. A processor-implemented method for assessing risk associated with a termination point identifier, comprising:
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receiving a termination point identifier that is to be assessed for risk; receiving device attributes, location attributes and network-derived characteristics of the termination point identifier; evaluating, by a processor, the device attributes of the termination point identifier, location attributes of the termination point identifier, and network-derived characteristics of the termination point identifier using one or more rules, wherein each of the device attributes, location attributes, and network-derived characteristics of the termination point identifier is associated with a corresponding weight; generating, by the processor, a score for the termination point identifier based on the evaluation and the weights associated with the device attributes, location attributes, and network-derived characteristics, wherein the score provides an assessment of risk associated with the termination point identifier; and granting, denying or challenging, by the processor, a transaction request of a user associated with the termination point identifier based on evaluation of the score using one or more rules. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 12, 13)
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10. (canceled)
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11. (canceled)
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14-20. -20. (canceled)
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21-30. -30. (canceled)
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31. A system for assessing risk associated with a termination point identifier, comprising:
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a memory storing computer-executable instructions; a module that receives a termination point identifier that is to be assessed for risk; a module that evaluates device attributes of the termination point identifier, location attributes of the termination point identifier, and network-derived characteristics of the termination point identifier using one or more rules, wherein each of the device attributes, location attributes, and network-derived characteristics of the termination point identifier is associated with a corresponding weight; a module that generates a score for the termination point identifier based on the evaluation and the weights associated with the device attributes, location attributes, and network-derived characteristics, wherein the score provides an assessment of risk associated with the termination point identifier; and a processor for executing the computer-executable instructions stored in the memory. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39)
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40. (canceled)
Specification