MX2015008668A - Metodos y sistemas para mitigar perdidas por fraude durante una transaccion de tarjeta de pago. - Google Patents

Metodos y sistemas para mitigar perdidas por fraude durante una transaccion de tarjeta de pago.

Info

Publication number
MX2015008668A
MX2015008668A MX2015008668A MX2015008668A MX2015008668A MX 2015008668 A MX2015008668 A MX 2015008668A MX 2015008668 A MX2015008668 A MX 2015008668A MX 2015008668 A MX2015008668 A MX 2015008668A MX 2015008668 A MX2015008668 A MX 2015008668A
Authority
MX
Mexico
Prior art keywords
payment card
transaction
geographic region
initiated
predefined geographic
Prior art date
Application number
MX2015008668A
Other languages
English (en)
Other versions
MX358919B (es
Inventor
Frederick Michael Pacher
Craig Robert Dinsmore
Eoin Patrick Flood
Mikhail Blinov
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 MX2015008668A publication Critical patent/MX2015008668A/es
Publication of MX358919B publication Critical patent/MX358919B/es

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

Abstract

Se proporcionan sistemas y métodos informáticos para identificar una transacción con tarjeta de pago potencialmente fraudulenta en progreso, y mitigar las pérdidas que surgen a partir de la conclusión de una transacción con tarjeta de pago fraudulenta. El sistema informático se programa para recibir un mensaje de solicitud de autorización para autorización de una transacción iniciada con tarjeta de pago, cunado la transacción se inicia utilizando una tarjeta de pago que incluye un primer dispositivo de seguridad que puede operar para transacciones iniciadas dentro de una región geográfica predefinida y un segundo dispositivo de seguridad que puede operar para tanto transacciones iniciadas dentro de la región geográfica predefinida como fuerza de la región geográfica predefinida. Cuando la transacción se inicia fuera de la región geográfica predefinida, el sistema informático compara los datos de la tarjeta de pago con los datos almacenados que corresponden una pluralidad de tarjetas de pago previamente aprobadas para transacciones fuera de la aprobación de región geográfica predefinida, y aplica uno o más conjuntos de reglas a la transacción según corresponda.
MX2015008668A 2013-01-02 2013-12-20 Metodos y sistemas para mitigar perdidas por fraude durante una transaccion de tarjeta de pago. MX358919B (es)

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 (2)

Publication Number Publication Date
MX2015008668A true MX2015008668A (es) 2016-04-25
MX358919B MX358919B (es) 2018-09-07

Family

ID=51018319

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2015008668A MX358919B (es) 2013-01-02 2013-12-20 Metodos y sistemas para mitigar perdidas por fraude durante una transaccion de tarjeta de pago.

Country Status (8)

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

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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
BR112015016028A2 (pt) 2017-07-11
JP6297592B2 (ja) 2018-03-20
HK1218797A1 (zh) 2017-03-10
US9858571B2 (en) 2018-01-02
PH12015501714A1 (en) 2015-11-09
JP2016503929A (ja) 2016-02-08
WO2014107336A1 (en) 2014-07-10
MX358919B (es) 2018-09-07
EP2941745A1 (en) 2015-11-11
US20140188723A1 (en) 2014-07-03
EP2941745A4 (en) 2016-07-06

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