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。