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Method and system for detecting fraud in a credit card transaction over the internet

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US20080281743A1
US20080281743A1 US12175191 US17519108A US2008281743A1 US 20080281743 A1 US20080281743 A1 US 20080281743A1 US 12175191 US12175191 US 12175191 US 17519108 A US17519108 A US 17519108A US 2008281743 A1 US2008281743 A1 US 2008281743A1
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system
credit
card
internet
transaction
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Abandoned
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US12175191
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John Philip Pettit
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John Philip Pettit
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0225Avoiding frauds
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0609Buyer or seller confidence or verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0633Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635Processing of requisition or of purchase orders
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Systems or methods specially adapted for a specific business sector, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/26Government or public services
    • G06Q50/265Personal security, identity or safety

Abstract

A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the internet. The method and system comprises obtaining credit card information relating to the transaction from the consumer; and verifying the credit card information based upon a variety of parameters. The variety of parameters are weighted so as to provide a merchant with a quantifiable indication of whether the credit card transaction is fraudulent. In so doing, an integrated verification system is provided which allows a merchant, or the like, to accurately and efficiently determine the validity of a transaction over the internet.

Description

    BENEFIT CLAIM; CROSS-REFERENCE TO RELATED APPLICATIONS
  • [0001]
    This application claims the benefit and domestic priority under 35 U.S.C. 120 as a Continuation of prior application Ser. No. 11/168,966, filed Jun. 27, 2005, which is a Continuation of Ser. No. 09/442,106, filed Nov. 17, 1999, which is a Continuation of Ser. No. 08/901,687, filed Jul. 28, 1997, now U.S. Pat. No. 6,029,154, the entire contents of which are hereby incorporated by reference for all purposes as if fully set forth herein.
  • FIELD OF THE INVENTION
  • [0002]
    The present invention relates generally to credit card transactions and specifically to detecting fraud in such credit card transactions when ordering and downloading information over the internet.
  • BACKGROUND OF THE INVENTION
  • [0003]
    Credit card transactions are being utilized in a variety of environments. In a typical environment a user provides a merchant with a credit card, and the merchant through various means will verify whether that information is accurate. For example, referring now to FIG. 1, a typical credit card verification system 10 is shown. In such a system, a merchant 12 receives a credit card from the customer 14. The merchant then verifies the credit card information through an automated verification system 16.
  • [0004]
    These systems work well in a credit card transaction in which either the customer has a face-to-face meeting with the merchant or the merchant is actually shipping a package or the like to the address of a customer. The verification procedure typically includes in the AVS system address information and identity information. However, when downloading information from an online service or the internet, the address and identity information is not enough for to adequately verify that the customer who is purchasing the goods is actually the owner of the credit card. For example, an individual may have both the name and the address of a particular credit card holder and that information in a normal transaction may be sufficient for authorization of such a transaction. However, as an internet transaction it is possible to have all the correct information related to the particular credit card holder through unscrupulous means, and therefore, be able to fraudulently obtain information.
  • [0005]
    Accordingly, what is needed is a system and method that overcomes the problems associated with a typical verification systems for credit card transactions particularly in the internet or online services environment. The system should be easily implemented within the existing environment and should also be straightforwardly applied to existing technology. The present invention addresses such a need.
  • SUMMARY
  • [0006]
    A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the internet. The method and system comprises obtaining credit card information relating to the transaction from the consumer; and verifying the credit card information based upon a variety of parameters. The variety of parameters are weighted so as to provide a merchant with a quantifiable indication of whether the credit card transaction is fraudulent. In so doing, an integrated verification system is provided which allows a merchant, or the like, to accurately and efficiently determine the validity of a transaction over the internet.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • [0007]
    FIG. 1 is diagram of the prior art verification system for credit card transaction.
  • [0008]
    FIG. 2 is a verification system in accordance with the present invention.
  • [0009]
    FIG. 3 is a flow chart of the verification system in accordance with the present invention.
  • [0010]
    FIG. 4 is a flow chart of the integrated verification system in accordance with the present invention.
  • DETAILED DESCRIPTION
  • [0011]
    The present invention relates to a fraud detection for use in credit card transaction over online services or the internet. The following description is presented to enable one of ordinary skill in the art to make and use the invention and is provided in the context of a patent application and its requirements. Various modifications to the preferred embodiment will be readily apparent to those skilled in the art and the generic principles herein may be applied to other embodiments. Thus, the present invention is not intended to be limited to the embodiment shown but is to be accorded the widest scope consistent with the principles and features described herein.
  • [0012]
    The present invention provides an integrated verification system for credit cards transactions over an online service or the internet. Referring now to FIG. 2, what is shown is a block diagram of a system 100 which would use the verification procedure in accordance with the present invention. System 100 includes similar to FIG. 1, a customer 102 and a merchant 104. The customer 102 provides the merchant with a credit card, the merchant then sends it to an integrated verification system IVS 106 which includes a variety of parameters providing consistency, history and other information in an integrated fashion to determine the credit card holder's validity. The IVS 106 is typically implemented in software for example in a hard disk, floppy disk or other computer-readable medium. In a typical embodiment, when the customer 102 orders a particular piece of software to be downloaded from a merchant 104, the merchant will provide the credit card number, e-mail address and other pertinent information to the IVS 106. The integrated verification system 106 then weights the variety of parameters so as to provide a merchant with a quantifiable indication on whether the credit and transaction is fraudulent. To more clearly describe the operation of a system and method in accordance with the present invention, refer now to the following discussion in conjunction with the accompanying figures.
  • [0013]
    FIG. 3 shows a simple block diagram for providing an integrated verification of a credit card transaction over the internet. The IVS 106 includes a controller 212 which receives the credit information from the merchant and then sends that information on to a variety of parameters 202-208. The plurality of parameters that operate on the information to provide an indication of whether the transaction is valid. In this embodiment, the plurality of parameters comprises a history check 202, a consistency check 204, an automatic verification system 206 and an internet identification verification system 208. The output or individual indications of validity of these parameters are provided to fraud detector 210. The fraud detector 210 combines these inputs to provide an integrated indication of whether the particular transaction is valid.
  • [0014]
    Consistency check 204 allows one to determine whether the credit information is consistent, i.e., does the credit information match the user and other information. AVS system 206 provides similar information as AVS 16 described in FIG. 1. A key feature of both the history database and the internet ID database is that they can be accessed and the information there within can be supplemented by a variety of other merchants and, therefore, information from those merchants is obtainable thereby.
  • [0015]
    History information check 202 is provided which also accesses a database 222 which may include card number and email information. The history check 202 will also actively determine if the particular transaction matches previous database information within the history database 222. Therefore, the internet ID verification system and history check increases in utility over time. The internet ID verification system 208 provides for a system for verifying the validity of an internet address, the details of which will be discussed hereinafter. The internet identification verification system similar to the history check includes a database 224 which can be added to by other merchants.
  • [0016]
    In addition, the internet identification verification system 208 accesses and communicates with a database of internet addresses. This system will be used to verify whether the internet address is consistent with other internet addresses being used in transactions utilizing this credit card.
  • [0017]
    These different parameters are weighted via weighting blocks 214-220, respectively, dependent upon the particular credit card transaction. For example, if the amount of dollar transaction is critical, it may be appropriate for the history and AVS system 202 and 204 to be weighted more critically than the other parameters. On the other hand, if a critical point is the consistency of the internet address, then the consistency check 204 and the internet identification system 208 may be more critical. Accordingly, each of the verification parameters 202-208 may be weighted in different amounts depending upon its importance in the verification process.
  • [0018]
    A particularly important feature of the present invention is the internet identification system 208 and its operation within the integrated verification system 106. Through this system 208, it is possible to quickly determine if an internet identification address is being utilized fraudulently. To describe this feature in more detail, refer now to FIG. 4 and the accompanying discussion.
  • [0019]
    FIG. 4 is a flow chart of the internet identification verification system 208. The goal of internet identification verification system 208 is to determine whether the physical address or the physical location of the address compares to a previous physical location that was used for that particular internet address. Accordingly, in the flow chart of FIG. 4, first the number of transactions that had been processed using that particular internet address is obtained from the database 224, via step 302. Thereafter, a map of those transactions is constructed based on those obtained transactions, via step 304. Finally, the constructed map is used to determine if the new credit card transaction is valid, via step 306. Accordingly, through a system and method in accordance with this system, an internet identification verification system is provided which can quickly and easily determine whether a particular internet address is related to a particular credit care transaction.
  • [0020]
    Accordingly, what is provided is a system and method for accurately determining whether a particular credit card transaction is a fraudulent one. The integrated verification system in accordance with the present invention provides for weighting the variety of parameters so as to provide a merchant with a quantifiable indication on whether the credit and transaction is fraudulent.
  • [0021]
    Although the present invention has been described in accordance with the embodiments shown, one of ordinary skill in the art will recognize that there could be variations to the embodiment and those variations would be within the spirit and scope of the present invention. Therefore, although the present invention was described in terms of a particular verification system, one of ordinary skill in the art readily recognizes, that any number of parameters can be utilized and their use would be within the spirit and scope of the present invention. Accordingly, many modifications may be made by one of ordinary skill without departing from the spirit and scope of the present invention, the scope of which is defined by the following claims.

Claims (8)

1. A system for detecting fraud in a credit card transaction between consumer and a merchant over the internet comprising:
means for obtaining credit card information relating to the transaction from the consumer;
means for verifying the credit card information based upon a plurality of parameters comprising:
a) means for obtaining information about other transactions that have utilized an internet address that is identified with the credit card transaction;
b) means for constructing a map of credit card numbers based upon the other transactions;
c) means for utilizing the map of credit card numbers to determine if the credit card transaction is valid.
2. The system of claim 1 wherein the plurality of parameters include a consistency check, a history check, an automatic verification system and an internet identification system.
3. The system of claim 2 wherein the history check includes a database which can be accessed and supplemented by other merchants.
4. The system of claim 2 wherein the internet identification system includes a database which can be accessed and supplemented by other merchants.
5. A computer readable medium containing program instructions for detecting fraud in a credit card transaction between consumer and a merchant over the internet, the program instructions configured for:
obtaining credit card information relating to the transaction from the consumer;
verifying the credit card information based upon a plurality of parameters by:
a) obtaining information about other transactions that have utilized an internet address that is identified with the credit card transaction;
b) constructing a map of credit card numbers based upon the other transactions and;
c) utilizing the map of credit card numbers to determine if the credit card transaction is valid.
6. The computer readable medium of claim 5 wherein the plurality of parameters include a consistency check, a history check, an automatic verification system and an internet identification system.
7. The computer readable medium of claim 6 wherein the history check includes a database which can be accessed and supplemented by other merchants.
8. The computer readable medium of claim 6 wherein the internet identification system includes a database which can be accessed and supplemented by other merchants.
US12175191 1997-07-28 2008-07-17 Method and system for detecting fraud in a credit card transaction over the internet Abandoned US20080281743A1 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
US08901687 US6029154A (en) 1997-07-28 1997-07-28 Method and system for detecting fraud in a credit card transaction over the internet
US09442106 US7096192B1 (en) 1997-07-28 1999-11-17 Method and system for detecting fraud in a credit card transaction over a computer network
US16896605 true 2005-06-27 2005-06-27
US12175191 US20080281743A1 (en) 1997-07-28 2008-07-17 Method and system for detecting fraud in a credit card transaction over the internet

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US12175191 US20080281743A1 (en) 1997-07-28 2008-07-17 Method and system for detecting fraud in a credit card transaction over the internet
US12626143 US7752084B2 (en) 1997-07-28 2009-11-25 Method and system for detecting fraud in a credit card transaction over the internet
US12749776 US20100228649A1 (en) 1997-07-28 2010-03-30 Method and system for detecting fraud in a credit card transaction over the internet

Related Parent Applications (1)

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US16896605 Continuation 2005-06-27 2005-06-27

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US12749776 Continuation US20100228649A1 (en) 1997-07-28 2010-03-30 Method and system for detecting fraud in a credit card transaction over the internet

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US20080281743A1 true true US20080281743A1 (en) 2008-11-13

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US09442106 Active US7096192B1 (en) 1997-07-28 1999-11-17 Method and system for detecting fraud in a credit card transaction over a computer network
US12175191 Abandoned US20080281743A1 (en) 1997-07-28 2008-07-17 Method and system for detecting fraud in a credit card transaction over the internet
US12626143 Expired - Lifetime US7752084B2 (en) 1997-07-28 2009-11-25 Method and system for detecting fraud in a credit card transaction over the internet
US12749776 Abandoned US20100228649A1 (en) 1997-07-28 2010-03-30 Method and system for detecting fraud in a credit card transaction over the internet

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US09442106 Active US7096192B1 (en) 1997-07-28 1999-11-17 Method and system for detecting fraud in a credit card transaction over a computer network

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US12626143 Expired - Lifetime US7752084B2 (en) 1997-07-28 2009-11-25 Method and system for detecting fraud in a credit card transaction over the internet
US12749776 Abandoned US20100228649A1 (en) 1997-07-28 2010-03-30 Method and system for detecting fraud in a credit card transaction over the internet

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US7752084B2 (en) 2010-07-06 grant
US20100228649A1 (en) 2010-09-09 application
US7096192B1 (en) 2006-08-22 grant
US20100063917A1 (en) 2010-03-11 application

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