- 专利标题: Systems and methods for automated fraud detection and analytics using aggregated payment vehicles and devices
-
申请号: US15924993申请日: 2018-03-19
-
公开(公告)号: US11488170B1公开(公告)日: 2022-11-01
- 发明人: David Mattei , Dennis Kettler
- 申请人: Vantiv, LLC
- 申请人地址: US OH Symmes Township
- 专利权人: Vantiv, LLC
- 当前专利权人: Vantiv, LLC
- 当前专利权人地址: US OH Symmes Township
- 代理机构: Bookoff McAndrews, PLLC
- 主分类号: G06Q20/40
- IPC分类号: G06Q20/40 ; G06Q20/42 ; G06F16/903
摘要:
Systems and methods are disclosed for automated fraud detection and analytics using aggregated payment vehicles and devices, at the individual and/or household level. One method includes receiving an authorization request for a payment transaction originating at a merchant, using a first payment vehicle; receiving device information of a first device used in the payment transaction; retrieving transaction data and identifying information associated with the authorization request before the authorization request is routed to a financial institution; searching and determining payment vehicles and devices associated with the individual using the retrieved identifying information; aggregating transaction data associated with the payment vehicles and devices from the transaction database; retrieving reported fraudulent activities pertaining to the payment vehicles and devices; and generating a profile data for the individual according to the identifying information associated with the authorization request, personally identifiable information (PII), the aggregated transaction data, and reported fraudulent activities.