公开(公告)号：US20120197802A1

公开(公告)日：2012-08-02

申请号：US13360537

申请日：2012-01-27

申请人： Janet Smith ,  John D. Chisholm ,  Johan Gerber ,  Clara Salazar ,  Matthew Wickman ,  Susan Meyer ,  Rachael Vahle Cordero ,  Christopher John Merz

发明人： Janet Smith ,  John D. Chisholm ,  Johan Gerber ,  Clara Salazar ,  Matthew Wickman ,  Susan Meyer ,  Rachael Vahle Cordero ,  Christopher John Merz

IPC分类号： G06Q20/40

CPC分类号： G06Q20/4016 ,  G06Q20/12 ,  G06Q20/388 ,  G06Q20/40

摘要： A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request.

摘要翻译： 提供了与不存在卡的不支持卡系统相关联的用于欺诈检测的计算机系统。 该系统包括网络主机站点和交换网络，其包括通信地耦合到用于存储数据的存储器设备的处理器和网络主机站点，其中处理器被编程为从商家接收卡交易授权请求消息，路由卡交易 授权请求到网络主机站点执行CNP欺诈风险评分，并且基于卡交易授权请求的标准，呼叫为交易授权请求的标准定义的多个欺诈评分模型中的至少一个。 处理器还被编程为基于当前交易授权请求数据和更新的卡片帐户简档来计算欺诈风险分数，并将消息发送到支付卡的发行者以批准该请求。

公开(公告)号：US20130282593A1

公开(公告)日：2013-10-24

申请号：US13449827

申请日：2012-04-18

申请人： Christopher John Merz ,  Kimberly Ann Purcell ,  Douglas Wilbur Van Horn ,  Joshua Joseph Baron ,  John Gioacchini ,  Maria Escobar

发明人： Christopher John Merz ,  Kimberly Ann Purcell ,  Douglas Wilbur Van Horn ,  Joshua Joseph Baron ,  John Gioacchini ,  Maria Escobar

IPC分类号： G06Q10/00

CPC分类号： G06Q30/0601

摘要： A method and system for generating alerts are provided. The system includes a data warehouse configured to receive, for a plurality of financial transactions each using a financial payment card between a merchant and a customer, unique personal account numbers associated with each financial payment card, a transaction reference identifier, and a merchant identifier. The data warehouse is further configured to retrieve historical multi-party payment card transaction information for each personal account number. The system also includes an enterprise marketing platform configured to receive customer safety alert registration information from at least one of a merchant point of sale device, a web interface, and a mobile interface, and a customer contact server configured to receive safety alert information and corresponding customer information and to contact each corresponding customer in response to a safety alert affecting the customer.

摘要翻译： 提供了一种用于生成警报的方法和系统。 该系统包括：数据仓库，被配置为接收多个金融交易，每个金融交易使用商家和客户之间的金融支付卡，与每个金融支付卡相关联的唯一的个人帐号，交易参考标识符和商家标识符。 数据仓库还被配置为检索每个个人帐号的历史多方支付卡交易信息。 该系统还包括企业营销平台，该企业营销平台被配置为从销售设备，网络接口和移动接口中的至少一个接收客户安全警报注册信息，以及被配置为接收安全警报信息和对应的客户联络服务器 客户信息，并响应影响客户的安全警告联系每个相应的客户。