Electronic commerce system and method for detecting fraud
First Claim
1. An electronic commerce system having a server and an end user machine interacting through a network during an electronic commerce transaction, the server comprising:
- a software module configured to receive user-entered information via the network including an electronic purchase order for a product within the electronic commerce system; and
a fraud detection mechanism active during electronic commerce transactions configured to determine a fraud ranking that indicates a likelihood that the electronic purchase order is attempted fraud based upon a user'"'"'s real-time interaction with the server during a transaction to process the electronic purchase order selected from a group consisting of;
(i) an attempt to change information in the electronic purchase order detected by a comparison of a snapshot of information about the electronic purchase order taken after the purchase order has been submitted for processing by the system, and (ii) a user'"'"'s path of progression through web pages associated with submitting the electronic purchase order.
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Accused Products
Abstract
An electronic commerce system having a server and an end user machine interacting through a network during an electronic commerce transaction is disclosed. The server includes a software module configured to receive user-entered information via the network including an electronic purchase order for a product within the electronic commerce system. In addition, the server includes a fraud detection mechanism active during electronic commerce transactions. The fraud detection mechanism determines a likelihood that the electronic purchase order is attempted fraud based upon (i) information associated with the user-entered information and (ii) factors relating to a users real-time interaction with the server during a transaction to process the electronic purchase order. A method performed by an electronic commerce system for determining a likelihood that the electronic purchase order is attempted fraud based is also provided.
379 Citations
20 Claims
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1. An electronic commerce system having a server and an end user machine interacting through a network during an electronic commerce transaction, the server comprising:
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a software module configured to receive user-entered information via the network including an electronic purchase order for a product within the electronic commerce system; and a fraud detection mechanism active during electronic commerce transactions configured to determine a fraud ranking that indicates a likelihood that the electronic purchase order is attempted fraud based upon a user'"'"'s real-time interaction with the server during a transaction to process the electronic purchase order selected from a group consisting of;
(i) an attempt to change information in the electronic purchase order detected by a comparison of a snapshot of information about the electronic purchase order taken after the purchase order has been submitted for processing by the system, and (ii) a user'"'"'s path of progression through web pages associated with submitting the electronic purchase order. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method performed by an electronic commerce system having a server and an end user machine interacting through a network during an electronic commerce transaction, the method comprising steps of:
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receiving user-entered information via the network including an electronic purchase order for a product within the electronic commerce system; and determining a fraud ranking that indicates a likelihood that the electronic purchase order is attempted fraud based upon a user'"'"'s real-time interaction with the electronic commerce system during a transaction to process the electronic purchase order selected from a group consisting of;
(i) an attempt to change information in the electronic purchase order detected by a comparison of a snapshot of information about the electronic purchase order taken after the purchase order has been submitted for processing by the system, and (ii) a user'"'"'s path of progression through web pages associated with submitting the electronic purchase order. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. An article of manufacture including instructions stored on a medium for controlling an electronic commerce system having a server and an end user machine interacting through a network during an electronic commerce transaction, the medium comprising:
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a software module configured to receive user-entered information via the network including an electronic purchase order for a product within the electronic commerce system; and a fraud detection software module configured to be active during electronic commerce transactions and further configured to determine a fraud ranking that indicates a likelihood that the electronic purchase order is attempted fraud based upon a user'"'"'s real-time interaction with the electronic commerce system during a transaction to process the electronic purchase order selected from a group consisting of;
(i) an attempt to change information in the electronic purchase order detected by a comparison of a snapshot of information about the electronic purchase order taken after the purchase order has been submitted for processing by the system, and (ii) a user'"'"'s path of progression through web pages associated with submitting the electronic purchase order.
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Specification