SYSTEMS AND METHODS FOR PROVIDING FRAUD INDICATOR DATA WITHIN AN AUTHENTICATION PROTOCOL

• US 20160078444A1
• Filed: 05/22/2015
• Published: 03/17/2016
• Est. Priority Date: 09/16/2014
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Hubbard, Steve E., da Silva, Luis Felipe de Almeida Ferreira, Tomasofsky, Christian P.
• Application Number:
  US14/719,664
• Publication Number:
  US 20160078444A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 2221/2103 Challenge-response
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/0229 Multi-merchant loyalty card systems

Abstract

A computing device for providing fraud indicator data within an authentication system including an authentication protocol is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to identify fraud feature data associated with a payment card transaction. The transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is further programmed to compute a first risk score for the transaction based at least in part on the fraud feature data. The computing device is also programmed to generate a message in the authentication protocol, the message including at least one extension field. The first risk score is included within the extension field. The computing device is still further programmed to transmit the message with the first risk score to a party associated with the transaction for use during authentication of the transaction.

Claims

1. A computing device for providing fraud indicator data within an authentication system including an authentication protocol, said computing device comprising a processor communicatively coupled to a memory, said computing device programmed to:

identify fraud feature data associated with a payment card transaction, wherein the payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder;

compute a first risk score for the payment card transaction based at least in part on the fraud feature data;

generate a message in the authentication protocol, the message including at least one extension field, wherein the first risk score is included within the at least one extension field; and

transmit the message with the first risk score included within the at least one extension field to a party associated with the payment card transaction for use during authentication of the payment card transaction.

2. The computing device of claim 1 further programmed to compute the first risk score based at least in part on card authentication data wherein the card authentication data relates to a process by which the payment card was previously loaded into the digital wallet.

3. The computing device of claim 1 further programmed to compute the first risk score based at least in part on device data associated with a computing device used by the suspect consumer with the digital wallet to perform the payment card transaction.

4. The computing device of claim 1 further programmed to compute the first risk score based at least in part on digital wallet authentication data, wherein the digital wallet authentication data relates to a process used by the digital wallet to authenticate the suspect consumer as the privileged cardholder.

5. The computing device of claim 1 further programmed to generate the message as an extension section of a request message in 3-D Secure®

protocol.

6. The computing device of claim 1 further programmed to generate the message including a second extension field that includes therein a first element of the fraud feature data.

7. The computing device of claim 1 further programmed to:

generate an authorization recommendation based at least in part on the first risk score; and

generate the message further including the authorization recommendation.

8. A computer-based method for providing fraud indicator data within an authentication system including an authentication protocol, the method implemented using a computer device including a processor and a memory, said method comprising:

identifying fraud feature data associated with a payment card transaction, wherein the payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder;

computing a first risk score for the payment card transaction based at least in part on the fraud feature data;

generating a message in the authentication protocol, the message including at least one extension field, wherein the first risk score is included within the at least one extension field; and

transmitting the message with the first risk score included within the at least one extension field to a party associated with the payment card transaction for use during authentication of the payment card transaction.

9. The method of claim 8, wherein computing a first risk score further includes computing the first risk score based at least in part on card authentication data wherein the card authentication data relates to a process by which the payment card was previously loaded into the digital wallet.

10. The method of claim 8, wherein computing a first risk score further includes computing the first risk score based at least in part on device data associated with a computing device used by the suspect consumer with the digital wallet to perform the payment card transaction.

11. The method of claim 8, wherein computing a first risk score further includes computing the first risk score based at least in part on digital wallet authentication data, wherein the digital wallet authentication data relates to a process used by the digital wallet to authenticate the suspect consumer as the privileged cardholder.

12. The method of claim 8 further comprising generating the message as an extension section of a request message in 3-D Secure®

protocol.

13. The method of claim 8, wherein generating a message further includes generating the message including a second extension field that includes therein a first element of the fraud feature data.

14. The method of claim 8 further comprising generating an authorization recommendation based at least in part on the first risk score, wherein generating a message further includes generating the message further including the authorization recommendation.

15. At least one 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:

identify fraud feature data associated with a payment card transaction, wherein the payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder;

compute a first risk score for the payment card transaction based at least in part on the fraud feature data;

generate a message in the authentication protocol, the message including at least one extension field, wherein the first risk score is included within the at least one extension field; and

transmit the message with the first risk score included within the at least one extension field to a party associated with the payment card transaction for use during authentication of the payment card transaction.

16. The computer-readable storage media of claim 15, wherein the computer-executable instructions further cause the processor to compute the first risk score based at least in part on card authentication data wherein the card authentication data relates to a process by which the payment card was previously loaded into the digital wallet.

17. The computer-readable storage media of claim 15, wherein the computer-executable instructions further cause the processor to compute the first risk score based at least in part on device data associated with a computing device used by the suspect consumer with the digital wallet to perform the payment card transaction.

18. The computer-readable storage media of claim 15, wherein the computer-executable instructions further cause the processor to compute the first risk score based at least in part on digital wallet authentication data, wherein the digital wallet authentication data relates to a process used by the digital wallet to authenticate the suspect consumer as the privileged cardholder.

19. The computer-readable storage media of claim 15, wherein the computer-executable instructions further cause the processor to generate the message as an extension section of a request message in 3-D Secure®

protocol.

20. The computer-readable storage media of claim 15, wherein the computer-executable instructions further cause the processor to generate the message including a second extension field that includes therein a first element of the fraud feature data.

21. The computer-readable storage media of claim 15, wherein the computer-executable instructions further cause the processor to:

generate an authorization recommendation based at least in part on the first risk score; and

generate the message further including the authorization recommendation.