SG10201702968TA - A fraud monitoring apparatus - Google Patents

A fraud monitoring apparatus

Info

Publication number
SG10201702968TA
SG10201702968TA SG10201702968TA SG10201702968TA SG10201702968TA SG 10201702968T A SG10201702968T A SG 10201702968TA SG 10201702968T A SG10201702968T A SG 10201702968TA SG 10201702968T A SG10201702968T A SG 10201702968TA SG 10201702968T A SG10201702968T A SG 10201702968TA
Authority
SG
Singapore
Prior art keywords
fraud monitoring
fraud
data
computer device
representing
Prior art date
Application number
SG10201702968TA
Inventor
Maheshwari Rajat
Wei Ping Yen Philip
Original Assignee
Mastercard Asia Pacific Pte Ltd
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 Asia Pacific Pte Ltd filed Critical Mastercard Asia Pacific Pte Ltd
Priority to SG10201702968TA priority Critical patent/SG10201702968TA/en
Priority to PCT/SG2018/050172 priority patent/WO2018190771A1/en
Priority to US15/946,441 priority patent/US20180293584A1/en
Publication of SG10201702968TA publication Critical patent/SG10201702968TA/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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/4015—Transaction verification using location information
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking

Abstract

Htld\Interwoven\NRPortbl\SNGDCC\TLD\_1.doc-11/04/2017 - 32 - A FRAUD MONITORING APPARATUS A fraud monitoring apparatus for determining a fraud score representing a relative risk 5 of fraudulent activity for a payment request, comprising one or more processors in communication with non-transitory data storage having instructions stored thereon which, when executed by the processor or processors, cause the apparatus to perform a fraud monitoring process comprising: receiving, from an authorization server, a fraud monitoring request including transaction-related data; identifying, from said 10 transaction-related data, an associated mobile computer device; sending a request for authentication data to the mobile computer device; receiving requested authentication data from the mobile computer device; generating a fraud score, from the received requested authentication data and the transaction-related data, representing a relative risk of fraudulent activity; and sending data representing the fraud score to the 15 authorization server. Figure 1 20
SG10201702968TA 2017-04-11 2017-04-11 A fraud monitoring apparatus SG10201702968TA (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG10201702968TA SG10201702968TA (en) 2017-04-11 2017-04-11 A fraud monitoring apparatus
PCT/SG2018/050172 WO2018190771A1 (en) 2017-04-11 2018-04-05 A fraud monitoring apparatus
US15/946,441 US20180293584A1 (en) 2017-04-11 2018-04-05 Fraud Monitoring Apparatus

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201702968TA SG10201702968TA (en) 2017-04-11 2017-04-11 A fraud monitoring apparatus

Publications (1)

Publication Number Publication Date
SG10201702968TA true SG10201702968TA (en) 2018-11-29

Family

ID=63709787

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201702968TA SG10201702968TA (en) 2017-04-11 2017-04-11 A fraud monitoring apparatus

Country Status (3)

Country Link
US (1) US20180293584A1 (en)
SG (1) SG10201702968TA (en)
WO (1) WO2018190771A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10965662B2 (en) * 2018-06-27 2021-03-30 Bank Of America Corporation Method and system for data communication and frictionless authentication
US10803458B1 (en) 2018-12-20 2020-10-13 Worldpay, Llc Methods and systems for detecting suspicious or non-suspicious activities involving a mobile device use
US11151576B2 (en) 2019-04-05 2021-10-19 At&T Intellectual Property I, L.P. Authorizing transactions using negative pin messages
US11023896B2 (en) * 2019-06-20 2021-06-01 Coupang, Corp. Systems and methods for real-time processing of data streams

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004334527A (en) * 2003-05-07 2004-11-25 Intelligent Wave Inc Calculation program and method for illegal determination score value, and calculation system for illegal determination score value of credit card
US20170091773A1 (en) * 2013-03-05 2017-03-30 Quisk, Inc. Fraud monitoring system
US20150149356A1 (en) * 2013-11-22 2015-05-28 Mastercard International Incorporated Method and system for authenticating cross-border financial card transactions
US9483765B2 (en) * 2013-12-09 2016-11-01 Mastercard International Incorporated Systems and methods for monitoring payment transactions for fraud using social media
US9875347B2 (en) * 2014-07-31 2018-01-23 Nok Nok Labs, Inc. System and method for performing authentication using data analytics
CN104881783A (en) * 2015-05-14 2015-09-02 中国科学院信息工程研究所 E-bank account fraudulent conduct and risk detecting method and system
US20170076274A1 (en) * 2015-09-16 2017-03-16 First Data Corporation Authentication systems and methods

Also Published As

Publication number Publication date
US20180293584A1 (en) 2018-10-11
WO2018190771A1 (en) 2018-10-18

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