CA2426168A1 - Procede et appareil d'evaluation du risque de fraude dans une transaction commerciale electronique - Google Patents

Procede et appareil d'evaluation du risque de fraude dans une transaction commerciale electronique Download PDF

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Publication number
CA2426168A1
CA2426168A1 CA002426168A CA2426168A CA2426168A1 CA 2426168 A1 CA2426168 A1 CA 2426168A1 CA 002426168 A CA002426168 A CA 002426168A CA 2426168 A CA2426168 A CA 2426168A CA 2426168 A1 CA2426168 A1 CA 2426168A1
Authority
CA
Canada
Prior art keywords
value
transaction
transaction information
fraud risk
determining
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
CA002426168A
Other languages
English (en)
Inventor
Michael Lewis
Frank King
Thomas Arnold
William Wright
John Pettit
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
CyberSource Corp
Original Assignee
Individual
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
Priority claimed from US09/708,124 external-priority patent/US7403922B1/en
Application filed by Individual filed Critical Individual
Publication of CA2426168A1 publication Critical patent/CA2426168A1/fr
Abandoned legal-status Critical Current

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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Abstract

L'invention concerne un procédé et un système d'évaluation du risque de fraude dans une transaction commerciale électronique sur un réseau entre un client et un commerçant. Lorsqu'un ordre de transaction de commerce électronique ou d'achat électronique est reçu, le niveau de risque associé à chaque ordre est mesuré et une évaluation de risque est renvoyée. La validation de données, la correspondance de modèles d'intelligence artificielle hautement prédictive, l'agrégation de données de réseau et les contrôles de fichiers négatifs sont utilisés pour examiner de nombreux facteurs afin de calculer le risque de fraude. Une autre analyse propose une approche comparative de la transaction en cours et de transactions frauduleuses passées connues, ainsi qu'une recherche dans une base de données sur l'historique des transactions, de sorte à identifier des modèles de vitesse anormaux, des changement de noms et d'adresses et des fraudeurs connus. Dans une variante, des algorithmes d'évaluation sont régulièrement améliorés par l'utilisation d'un procédé de modélisation du risque en boucle fermée qui permet que le service fourni par le système soit suffisamment affiné pour pouvoir s'adapter aux schémas de fraude nouveaux ou changeant.
CA002426168A 2000-11-02 2001-10-31 Procede et appareil d'evaluation du risque de fraude dans une transaction commerciale electronique Abandoned CA2426168A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US09/708,124 2000-11-02
US09/708,124 US7403922B1 (en) 1997-07-28 2000-11-02 Method and apparatus for evaluating fraud risk in an electronic commerce transaction
PCT/US2001/045372 WO2002037219A2 (fr) 2000-11-02 2001-10-31 Procede et appareil d'evaluation du risque de fraude dans une transaction commerciale electronique

Publications (1)

Publication Number Publication Date
CA2426168A1 true CA2426168A1 (fr) 2002-05-10

Family

ID=24844451

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002426168A Abandoned CA2426168A1 (fr) 2000-11-02 2001-10-31 Procede et appareil d'evaluation du risque de fraude dans une transaction commerciale electronique

Country Status (5)

Country Link
EP (1) EP1340178A4 (fr)
JP (2) JP2004524599A (fr)
AU (1) AU2002228700A1 (fr)
CA (1) CA2426168A1 (fr)
WO (1) WO2002037219A2 (fr)

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US9990487B1 (en) 2017-05-05 2018-06-05 Mastercard Technologies Canada ULC Systems and methods for distinguishing among human users and software robots
US10007776B1 (en) 2017-05-05 2018-06-26 Mastercard Technologies Canada ULC Systems and methods for distinguishing among human users and software robots
US10127373B1 (en) 2017-05-05 2018-11-13 Mastercard Technologies Canada ULC Systems and methods for distinguishing among human users and software robots
US10997284B2 (en) 2008-04-01 2021-05-04 Mastercard Technologies Canada ULC Systems and methods for assessing security risk

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US11036847B2 (en) 2008-04-01 2021-06-15 Mastercard Technologies Canada ULC Systems and methods for assessing security risk
US10997284B2 (en) 2008-04-01 2021-05-04 Mastercard Technologies Canada ULC Systems and methods for assessing security risk
US10839065B2 (en) 2008-04-01 2020-11-17 Mastercard Technologies Canada ULC Systems and methods for assessing security risk
US9633190B2 (en) 2008-04-01 2017-04-25 Nudata Security Inc. Systems and methods for assessing security risk
US10749884B2 (en) 2015-09-05 2020-08-18 Mastercard Technologies Canada ULC Systems and methods for detecting and preventing spoofing
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Also Published As

Publication number Publication date
WO2002037219A3 (fr) 2003-02-13
JP2008165824A (ja) 2008-07-17
EP1340178A2 (fr) 2003-09-03
EP1340178A4 (fr) 2005-06-08
WO2002037219A2 (fr) 2002-05-10
JP2004524599A (ja) 2004-08-12
AU2002228700A1 (en) 2002-05-15
JP5265213B2 (ja) 2013-08-14
WO2002037219A9 (fr) 2004-05-13

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