公开(公告)号：US09652772B1

公开(公告)日：2017-05-16

申请号：US13545487

申请日：2012-07-10

申请人： Vitaly Eyges ,  Kevin King

发明人： Vitaly Eyges ,  Kevin King

IPC分类号： G06Q20/40

CPC分类号： G06Q20/4016

摘要： The invention provides systems and methods for identifying fraud in an ATM transaction and in other financial processing environments. The system, tangibly embodied in the form of a computer processer includes a profile database, a filter processing portion, a scoring engine, and an authorization processing portion. The profile database contains card profiles and ATM profiles. The filter processing portion inputs transaction data generated from a requested ATM transaction. The filter processing portion includes a plurality of filters that filter high risk transactions, and outputs customer related data and ATM related data to the profile database. The scoring engine assesses risk of the high risk transaction based on attributes of the transaction, data in at least one card profile, and data in at least one ATM profile. The authorization processing portion determines whether the requested transaction should be approved or declined based on the fraud score and transaction data.