- 专利标题: SYSTEMS AND METHODS FOR IDENTIFYING COMPROMISED ACCOUNTS USING HISTORICAL AUTHORIZATION MESSAGES
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申请号: US15591246申请日: 2017-05-10
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公开(公告)号: US20180330381A1公开(公告)日: 2018-11-15
- 发明人: Kyle Williams , David J. Senci , David Adams
- 申请人: MasterCard International Incorporated
- 主分类号: G06Q20/40
- IPC分类号: G06Q20/40 ; H04L29/06 ; G06Q20/34
摘要:
A computing network system including a historical authorization database, a lost and stolen card (LSC) database, an account data breach (ADB) database, and a compromised identification (CI) computing device is provided. The CI computing device retrieves a set of historical account identifiers associated with historical transactions of a candidate merchant from the historical authorization database. The CI computing device compares the historical account identifier to lost and/or stolen (LS) account data stored by the LSC database and breach data stored by the ADB database. The CI computing device generates a compromised account message when a historical account identifier has a matching account identifier within the LS account data and/or the breach data. The compromised account message includes the matching account identifier and an associated reason code indicating a cause of compromise. The CI computing device transmits the compromised account message to the candidate merchant for review and analysis.
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