公开(公告)号：US11488170B1

公开(公告)日：2022-11-01

申请号：US15924993

申请日：2018-03-19

申请人： Vantiv, LLC

发明人： David Mattei ,  Dennis Kettler

IPC分类号： G06Q20/40 ,  G06Q20/42 ,  G06F16/903

摘要： Systems and methods are disclosed for automated fraud detection and analytics using aggregated payment vehicles and devices, at the individual and/or household level. One method includes receiving an authorization request for a payment transaction originating at a merchant, using a first payment vehicle; receiving device information of a first device used in the payment transaction; retrieving transaction data and identifying information associated with the authorization request before the authorization request is routed to a financial institution; searching and determining payment vehicles and devices associated with the individual using the retrieved identifying information; aggregating transaction data associated with the payment vehicles and devices from the transaction database; retrieving reported fraudulent activities pertaining to the payment vehicles and devices; and generating a profile data for the individual according to the identifying information associated with the authorization request, personally identifiable information (PII), the aggregated transaction data, and reported fraudulent activities.

公开(公告)号：US11107083B1

公开(公告)日：2021-08-31

申请号：US15825225

申请日：2017-11-29

申请人： Vantiv, LLC

发明人： Nicole S. Jass ,  David Mattei ,  Dennis Kettler

IPC分类号： G06Q20/40 ,  G06Q30/02 ,  H04L9/32 ,  G06Q40/02 ,  G06F16/25 ,  G06F16/435

摘要： A method for establishing fraud detection system for payment card transactions associated with an individual or a household by analyzing the online or in-store transaction against fraud detection individual profile. Generating the individual profile involves retrieving transaction data and identifying information associated with transaction authorization request, searching for another payment card using the identifying information, aggregating payment cards transaction data, generating profile data for an individual according to identifying information, transaction data, and any reported fraudulent activities under the payment cards, analyzing the transaction against the profile data to determine whether the transaction is a fraudulent activity, and providing a notification to financial institutions reporting any fraudulent activities. The fraud detection system for a household analyzes an online or in-store transaction against a household profile that associates all payment cards in consumer's household to create a complete picture of the buying behavior of the consumer household.

公开(公告)号：US11049121B1

公开(公告)日：2021-06-29

申请号：US15382201

申请日：2016-12-16

申请人： VANTIV, LLC

发明人： Brent Badger ,  Dennis Kettler

IPC分类号： G06Q10/00 ,  G06Q30/02

摘要： Systems and methods are disclosed for tracking consumer spend behavior to predict attrition. One method includes: receiving past transaction data related to a plurality of past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions of the consumer; determining a spend behavior model of the consumer; subsequent to determining the spend behavior model of the consumer, receiving transaction data related to one or more current payment transactions of the consumer; receiving environmental and/or behavioral data associated with the one or more current payment transactions; determining, based on an analysis of the current transaction data and environmental and/or behavioral data associated with each of the current payment transactions, a current spend behavior of the consumer; and determining, based on a comparison of the current spend behavior with the spend behavior model, the likelihood of an attrition of the current spend behavior.

公开(公告)号：US11023909B1

公开(公告)日：2021-06-01

申请号：US15382026

申请日：2016-12-16

申请人： VANTIV, LLC

发明人： Brent Badger ,  Dennis Kettler

IPC分类号： G06Q10/00 ,  G06Q30/02

摘要： Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions; determining, based on the transaction data and environmental and/or behavioral data, historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data; receiving transaction data related to a current payment transaction of the consumer; receiving environmental and/or behavioral data associated with the current payment transaction; comparing the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction; and determining whether a progression of one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions.

公开(公告)号：US11017427B1

公开(公告)日：2021-05-25

申请号：US15382069

申请日：2016-12-16

申请人： VANTIV, LLC

发明人： Brent Badger ,  Dennis Kettler

IPC分类号： G06Q10/00 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q30/06 ,  G06F16/22

摘要： Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.

公开(公告)号：US11017421B1

公开(公告)日：2021-05-25

申请号：US15359141

申请日：2016-11-22

申请人： Vantiv, LLC

发明人： Scott Wayne DeAngelo ,  Dennis Kettler ,  Sayid Shabeer

IPC分类号： G06Q30/02 ,  G06Q20/02 ,  G06Q20/38 ,  G06Q20/20 ,  G06Q20/40

摘要： A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.