WO2012121983A3 - Systems and methods for adaptive identification of sources of fraud - Google Patents

Systems and methods for adaptive identification of sources of fraud Download PDF

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Publication number
WO2012121983A3
WO2012121983A3 PCT/US2012/027335 US2012027335W WO2012121983A3 WO 2012121983 A3 WO2012121983 A3 WO 2012121983A3 US 2012027335 W US2012027335 W US 2012027335W WO 2012121983 A3 WO2012121983 A3 WO 2012121983A3
Authority
WO
WIPO (PCT)
Prior art keywords
detection engine
fraud detection
transactions
fraud
sources
Prior art date
Application number
PCT/US2012/027335
Other languages
French (fr)
Other versions
WO2012121983A2 (en
Inventor
Akli Adjaoute
Original Assignee
Brighterion, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Brighterion, Inc. filed Critical Brighterion, Inc.
Priority to EP20120755023 priority Critical patent/EP2718889A4/en
Publication of WO2012121983A2 publication Critical patent/WO2012121983A2/en
Publication of WO2012121983A3 publication Critical patent/WO2012121983A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q99/00—Subject matter not provided for in other groups of this subclass

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

A fraud detection engine is provided that analyzes transactions for fraudulent transactions. The transactions may include credit card or debit card transactions. The fraud detection engine may identify possible sources of fraud. The fraud detection engine may identify possible phony acceptors that masquerade as genuine merchants. The fraud detection engine may identify compromising points where accounts become compromised and are prone to fraudulent transactions thereafter. The fraud detection engine may receive and analyze transaction data in real-time or in batch mode. The fraud detection engine may use fuzzy logic. The fraud detection engine may use artificial intelligence such as case-based reasoning or business rules.
PCT/US2012/027335 2011-03-04 2012-03-01 Systems and methods for adaptive identification of sources of fraud WO2012121983A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP20120755023 EP2718889A4 (en) 2011-03-04 2012-03-01 Systems and methods for adaptive identification of sources of fraud

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/041,178 US8458069B2 (en) 2011-03-04 2011-03-04 Systems and methods for adaptive identification of sources of fraud
US13/041,178 2011-03-04

Publications (2)

Publication Number Publication Date
WO2012121983A2 WO2012121983A2 (en) 2012-09-13
WO2012121983A3 true WO2012121983A3 (en) 2012-12-06

Family

ID=46753895

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2012/027335 WO2012121983A2 (en) 2011-03-04 2012-03-01 Systems and methods for adaptive identification of sources of fraud

Country Status (3)

Country Link
US (1) US8458069B2 (en)
EP (1) EP2718889A4 (en)
WO (1) WO2012121983A2 (en)

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Also Published As

Publication number Publication date
EP2718889A4 (en) 2015-02-25
US20120226613A1 (en) 2012-09-06
US8458069B2 (en) 2013-06-04
EP2718889A2 (en) 2014-04-16
WO2012121983A2 (en) 2012-09-13

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