公开(公告)号：US20210012345A9

公开(公告)日：2021-01-14

申请号：US16422680

申请日：2019-05-24

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

IPC: G06Q20/40 ,  G06Q20/12 ,  G06Q20/38

Abstract: 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.

公开(公告)号：US20190279216A1

公开(公告)日：2019-09-12

申请号：US16422680

申请日：2019-05-24

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

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

IPC: G06Q20/40 ,  G06Q20/12 ,  G06Q20/38

Abstract: 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.