公开(公告)号：US20090106151A1

公开(公告)日：2009-04-23

申请号：US11974987

申请日：2007-10-17

申请人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Karl Newland ,  Frederick Liu ,  Roger Paul Morrison ,  Andrew Brendan Carpenter ,  Sivakumar Seshappan ,  Craig M. Kato ,  Alan Scott

发明人： Mark Allen Nelsen ,  Nancy Therese Hilgers ,  Karl Newland ,  Frederick Liu ,  Roger Paul Morrison ,  Andrew Brendan Carpenter ,  Sivakumar Seshappan ,  Craig M. Kato ,  Alan Scott

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/40 ,  G06Q20/405

摘要： A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined.

摘要翻译： 一种系统，方法和计算机可读存储介质，被配置为从发行者导入欺诈防范规则并且在支付处理器上实时地实现它们。 通常，发卡银行批准或拒绝金融交易; 然而，在本发明的实施例中，开证行创建防欺诈规则，支付处理器实现创建的规则。 支付处理器装置包括网络接口和验证引擎。 验证引擎包括事务驱动器和实时决策处理器。 网络接口被配置为从支付卡发行银行接收防欺诈规则，并从收单银行接收建议的金融交易。 交易司机收到防欺诈规则。 实时决策处理器将收购方的拟议金融交易与防欺诈规则进行比较，以确定拟议的金融交易是否应被拒绝。