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Fraud detection system automatic rule population engine

  • US 9,760,861 B2
  • Filed: 04/27/2012
  • Issued: 09/12/2017
  • Est. Priority Date: 04/29/2011
  • Status: Active Grant
First Claim
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1. A method comprising:

  • determining a plurality of existing fraud-detection rules, wherein each existing fraud-detection rule comprises at least one condition;

    providing, by a server computer, a user interface on a client computer for viewing the plurality of existing fraud-detection rules;

    receiving, by the server computer from the client computer, a user selection of a set of the fraud-detection rules for a first merchant profile for a user via the user interface, wherein the set of the fraud-detection rules is a subset of the plurality of existing fraud-detection rules;

    activating a core rule indicator to identify, by the server computer, the selected set of the fraud-detection rules as a core fraud-detection rules set for the user in a database;

    subsequently receiving, by the server computer from the client computer, a request to generate a second merchant profile for the user;

    generating, by the server computer, the second merchant profile in response to the request;

    retrieving, by the server computer, the core fraud-detection rules set associated with the user from the database;

    automatically populating, by the server computer, the second merchant profile for the user with the core fraud-detection rules set based at least in part on the core rule indicator;

    providing, by the server computer and at a second time, the user interface on the client computer for viewing the set of existing fraud-detection rules for receiving one or more additional fraud-detection rules corresponding with the second merchant profile;

    receiving the one or more additional fraud-detection rules from the plurality of existing fraud-detection rules, wherein the one or more additional fraud-detection rules are selected from the plurality of existing fraud-detection rules;

    modifying, by the server computer, the second merchant profile to include the one or more additional fraud-detection rules received from the client computer; and

    using, by the server computer, the fraud-detection rules from the core fraud-detection rules set and the one or more additional fraud-detection rules to process transaction details received in an authorization request message transmitted from a merchant access device to the server computer, the authorization request message transmitted between a user computer and the merchant access device using a communications network.

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