BR112015016028A2 - métodos e sistemas para mitigar perdas por fraude durante uma transação de cartão de pagamento - Google Patents

métodos e sistemas para mitigar perdas por fraude durante uma transação de cartão de pagamento

Info

Publication number
BR112015016028A2
BR112015016028A2 BR112015016028A BR112015016028A BR112015016028A2 BR 112015016028 A2 BR112015016028 A2 BR 112015016028A2 BR 112015016028 A BR112015016028 A BR 112015016028A BR 112015016028 A BR112015016028 A BR 112015016028A BR 112015016028 A2 BR112015016028 A2 BR 112015016028A2
Authority
BR
Brazil
Prior art keywords
transaction
payment card
geographic region
initiated
outside
Prior art date
Application number
BR112015016028A
Other languages
English (en)
Inventor
Robert Dinsmore Craig
Patrick Flood Eoin
Michael Pacher Frederick
Blinov Mikhail
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of BR112015016028A2 publication Critical patent/BR112015016028A2/pt

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
    • 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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

methods and systems for mitigating fraud losses during a payment card transaction abstract of the disclosure computer systems and methods for identifying a potentially fraudulent payment card transaction in progress, and mitigating losses arising from completion of a fraudulent payment card transaction are provided. the computer system is programmed to receive an authorization request message for authorization of a payment card-initiated transaction, when the transaction is initiated using a payment card that includes a first security device operable for transactions initiated within a predefined geographic region and a second security device operable for transactions initiated both within the predefined geographic region and outside of the predefined geographic region. when the transaction is initiated outside the predefined geographic region, the computer system compares data on the payment card to stored data corresponding to a plurality of payment cards previously-approved for transactions outside of the predefined geographic region approval, and applies one or more sets of rules to the transaction as appropriate. tradução do resumo resumo patente de invenção: "métodos e sistemas para mitigar perdas por fraude durante uma transação de cartão de pagamento". a presente invenção refere-se a sistemas e métodos de computador para identificar uma transação de cartão de pagamento potencialmente fraudulenta em progresso, e mitigar as perdas que surgem do completamento de uma transação de cartão de pagamento fraudulenta. o sistema de computador está programado para receber uma mensagem de solicitação de autorização para a autorização de uma transação iniciado com cartão de pagamento, quando a transação for iniciada utilizando um cartão de pagamento que inclui um primeiro dispositivo de segurança operável para transações iniciadas dentro de uma região geográfica predefinida e um segundo dispositivo de segurança operável para transações iniciadas tanto dentro da região geográfica predefinida quanto fora da região geográfica predefinida. quando a transação for iniciada fora da região geográfica predefinida, o sistema de computador compara os dados sobre o cartão de pagamento com dados armazenados que correspondem a uma pluralidade de cartões de pagamento previamente aprovados para aprovação de transações fora da região geográfica predefinida, e aplica um ou mais conjuntos de regras na transação conforme apropriado.
BR112015016028A 2013-01-02 2013-12-20 métodos e sistemas para mitigar perdas por fraude durante uma transação de cartão de pagamento BR112015016028A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/732,977 US9858571B2 (en) 2013-01-02 2013-01-02 Methods and systems for mitigating fraud losses during a payment card transaction
PCT/US2013/076924 WO2014107336A1 (en) 2013-01-02 2013-12-20 Methods and systems for mitigating fraud losses during a payment card transaction

Publications (1)

Publication Number Publication Date
BR112015016028A2 true BR112015016028A2 (pt) 2017-07-11

Family

ID=51018319

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112015016028A BR112015016028A2 (pt) 2013-01-02 2013-12-20 métodos e sistemas para mitigar perdas por fraude durante uma transação de cartão de pagamento

Country Status (8)

Country Link
US (1) US9858571B2 (pt)
EP (1) EP2941745A4 (pt)
JP (1) JP6297592B2 (pt)
BR (1) BR112015016028A2 (pt)
HK (1) HK1218797A1 (pt)
MX (1) MX358919B (pt)
PH (1) PH12015501714A1 (pt)
WO (1) WO2014107336A1 (pt)

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US11295310B2 (en) 2020-02-04 2022-04-05 Visa International Service Association Method, system, and computer program product for fraud detection
CN112150160B (zh) * 2020-09-30 2023-08-08 重庆市科学技术研究院 一种电子票券交易建议生成方法及系统

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Also Published As

Publication number Publication date
WO2014107336A1 (en) 2014-07-10
JP2016503929A (ja) 2016-02-08
HK1218797A1 (zh) 2017-03-10
MX358919B (es) 2018-09-07
JP6297592B2 (ja) 2018-03-20
EP2941745A1 (en) 2015-11-11
US9858571B2 (en) 2018-01-02
PH12015501714A1 (en) 2015-11-09
MX2015008668A (es) 2016-04-25
EP2941745A4 (en) 2016-07-06
US20140188723A1 (en) 2014-07-03

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Legal Events

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B06F Objections, documents and/or translations needed after an examination request according [chapter 6.6 patent gazette]
B06U Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]
B12B Appeal against refusal [chapter 12.2 patent gazette]