Fraudulent address database

• US 7,797,199 B2
• Filed: 12/01/2005
• Issued: 09/14/2010
• Est. Priority Date: 10/15/2004
• Status: Active Grant

• Current Assignee: Deem, Incorporated (Jack Taylor Family Voting Trust U A D 4 14 99)
• Original Assignee: Rearden Commerce Inc
• Inventors: Forshaw, David, Mtwa, Thembile, Handel, Sean
• Primary Examiner(s): Zeender; F. Ryan
• Assistant Examiner(s): Sheikh; Asfand M
• Application Number:
  US11/293,318
• Publication Number:
  US 20060190287A1
• Time in Patent Office: 1,748 Days
• Field of Search: None
• US Class Current: 705/26.1
• CPC Class Codes: G06Q 10/08 Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
• CPC Class Codes: G06Q 10/083 Shipping
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

One embodiment of the present invention provides a system and method to collect information about potentially suspect addresses across many members of a commerce platform or a fraudulent address database system, thus reducing the chance of exposure to fraudulent charges for merchants providing services as members.

Claims

1. A computer implemented method comprising:

in response to processing a purchase transaction conducted over a communications media, comparing, via a computing device, a shipping address associated with the purchase transaction to a set of prohibited shipping addresses previously identified;

in response to a match between the shipping address and one of the set of prohibited shipping addresses, performing, via the computing device, a risk assessment associated with the purchase transaction based on a set of predefined rules;

receiving notification from a first merchant about a fraudulent shipping address associated with a purchaser, the fraudulent address included in the set of prohibited shipping addresses;

allowing a plurality of merchants to disagree with the notification from the first merchant about the fraudulent shipping address;

receiving, via a computing device, a first rating from the purchaser about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address;

receiving, via the computing device, a second rating from a second merchant of the plurality of merchants about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address; and

creating a quality rating associated with the notification from the first merchant about the fraudulent shipping address based on disagreement from the plurality of merchants.

2. The method of claim 1, further comprising, in response to the performing the risk assessment, terminating the purchase transaction prior to completion.

3. The method of claim 2, wherein the terminating includes stopping shipment of a purchased item to the shipping address associated with the purchase transaction.

4. The method of claim 1, wherein the communications media is a network connection.

5. The method of claim 1, further comprising, in response to the performing the risk assessment, launching an additional investigation into the purchase transaction.

6. The method of claim 1, wherein a separate set of predefined rules is used to perform the risk assessment based on a vendor associated with the purchase transaction.

7. The method of claim 1, wherein the purchaser is associated with credit card disputes or fraudulent activity.

8. A machine-readable medium having stored thereon a set of instructions which when executed by a computing device perform a method comprising:

in response to processing a purchase transaction conducted over a communications media, comparing a shipping address associated with the purchase transaction to a set of prohibited shipping addresses previously identified;

in response to a match between the shipping address and one of the set of prohibited shipping addresses, performing a risk assessment associated with the purchase transaction based on a set of predefined rules;

receiving notification from a first merchant about a fraudulent shipping address associated with a purchaser, the fraudulent address included in the set of prohibited shipping addresses;

allowing a plurality of merchants to disagree with the notification from the first merchant about the fraudulent shipping address;

receiving a first rating from the purchaser about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address;

receiving a second rating from a second merchant of the plurality of merchants about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address; and

creating a quality rating associated with the notification from the first merchant about the fraudulent shipping address based on disagreement from the plurality of merchants.

9. The machine-readable medium of claim 8, wherein the method further comprises, in response to the performing the risk assessment, terminating the purchase transaction prior to completion.

10. The machine-readable medium of claim 9, wherein the terminating includes stopping shipment of a purchased item to the shipping address associated with the purchase transaction.

11. The machine-readable medium of claim 8, wherein the communications media is a network connection.

12. The machine-readable medium of claim 8, wherein the method further comprises, in response to the performing the risk assessment, launching an additional investigation into the purchase transaction.

13. The machine-readable medium of claim 8, wherein a separate set of predefined rules is used to perform the risk assessment based on a vendor associated with the purchase transaction.

14. A computer system comprising:

at least one server configured for;

comparing a shipping address associated with a purchase transaction to a set of prohibited shipping addresses previously identified, in response to processing a purchase transaction conducted over a communications media; and

performing a risk assessment associated with the purchase transaction based on a set of predefined rules, in response to a match between the shipping address and one of the set of prohibited shipping addresses;

receiving notification from a first merchant about a fraudulent shipping address associated with a purchaser, the fraudulent address included in the set of prohibited shipping addresses;

allowing a plurality of merchants to disagree with the notification from the first merchant about the fraudulent shipping address;

receiving a first rating from the purchaser about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address;

receiving a second rating from a second merchant of the plurality of merchants about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address; and

creating a quality rating associated with the notification from the first merchant about the fraudulent shipping address based on disagreement from the plurality of merchants.