WO2014145395A3 - System and method for consumer fraud protection - Google Patents

System and method for consumer fraud protection Download PDF

Info

Publication number
WO2014145395A3
WO2014145395A3 PCT/US2014/030154 US2014030154W WO2014145395A3 WO 2014145395 A3 WO2014145395 A3 WO 2014145395A3 US 2014030154 W US2014030154 W US 2014030154W WO 2014145395 A3 WO2014145395 A3 WO 2014145395A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
fraud protection
consumer fraud
financial transaction
data
Prior art date
Application number
PCT/US2014/030154
Other languages
French (fr)
Other versions
WO2014145395A2 (en
Inventor
Jose Antonio Acuna-Rohter
Original Assignee
Rohter Consulting LLC
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 US13/834,798 external-priority patent/US10475029B2/en
Application filed by Rohter Consulting LLC filed Critical Rohter Consulting LLC
Publication of WO2014145395A2 publication Critical patent/WO2014145395A2/en
Publication of WO2014145395A3 publication Critical patent/WO2014145395A3/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computing Systems (AREA)
  • Computer Security & Cryptography (AREA)
  • Health & Medical Sciences (AREA)
  • Economics (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Marketing (AREA)
  • Primary Health Care (AREA)
  • Tourism & Hospitality (AREA)
  • Storage Device Security (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to system and method for authorizing a financial transaction using user-data collected from third-party websites, such as social media networks. In operation, collected user-data may be compared to a financial-data collected during a financial transaction to identify potential fraud and/or other discrepancies, confirming the identity of the user with a greater degree of accuracy.
PCT/US2014/030154 2013-03-15 2014-03-17 System and method for consumer fraud protection WO2014145395A2 (en)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US13/834,798 2013-03-15
US13/834,798 US10475029B2 (en) 2013-03-15 2013-03-15 System and method for consumer fraud protection
US13/963,249 2013-08-09
US13/963,249 US8635117B1 (en) 2013-03-15 2013-08-09 System and method for consumer fraud protection
US201461929379P 2014-01-20 2014-01-20
US61/929,379 2014-01-20

Publications (2)

Publication Number Publication Date
WO2014145395A2 WO2014145395A2 (en) 2014-09-18
WO2014145395A3 true WO2014145395A3 (en) 2014-11-06

Family

ID=51538468

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/030154 WO2014145395A2 (en) 2013-03-15 2014-03-17 System and method for consumer fraud protection

Country Status (1)

Country Link
WO (1) WO2014145395A2 (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105516071B (en) * 2014-10-13 2019-01-18 阿里巴巴集团控股有限公司 Verify method, apparatus, terminal and the server of business operation safety
US9460438B1 (en) 2015-03-20 2016-10-04 International Business Machines Corporation Authenticating a request for an electronic transaction
US11762989B2 (en) 2015-06-05 2023-09-19 Bottomline Technologies Inc. Securing electronic data by automatically destroying misdirected transmissions
US20170163664A1 (en) 2015-12-04 2017-06-08 Bottomline Technologies (De) Inc. Method to secure protected content on a mobile device
US11163955B2 (en) 2016-06-03 2021-11-02 Bottomline Technologies, Inc. Identifying non-exactly matching text
SG10201708490WA (en) * 2017-10-13 2019-05-30 Digital Alpha Group Pte Ltd System and method for processing a loan application
US20220245639A1 (en) * 2019-01-11 2022-08-04 Bottomline Technologies (De) Inc. Virtual Fraud Detection
US11593811B2 (en) * 2019-02-05 2023-02-28 International Business Machines Corporation Fraud detection based on community change analysis using a machine learning model
US11416713B1 (en) 2019-03-18 2022-08-16 Bottomline Technologies, Inc. Distributed predictive analytics data set
US11042555B1 (en) 2019-06-28 2021-06-22 Bottomline Technologies, Inc. Two step algorithm for non-exact matching of large datasets
US11269841B1 (en) 2019-10-17 2022-03-08 Bottomline Technologies, Inc. Method and apparatus for non-exact matching of addresses
US12014371B2 (en) * 2020-06-05 2024-06-18 Capital One Services, Llc Systems and methods for fraud detection and prevention
CN111882330A (en) * 2020-07-27 2020-11-03 山东协和学院 Financial fraud prevention analysis method, device, equipment and storage medium
US11449870B2 (en) 2020-08-05 2022-09-20 Bottomline Technologies Ltd. Fraud detection rule optimization
US11544798B1 (en) 2021-08-27 2023-01-03 Bottomline Technologies, Inc. Interactive animated user interface of a step-wise visual path of circles across a line for invoice management
US11694276B1 (en) 2021-08-27 2023-07-04 Bottomline Technologies, Inc. Process for automatically matching datasets

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130054340A1 (en) * 2009-09-23 2013-02-28 Mastercard International Incorporated Methods and systems for displaying loyalty program information on a payment card
US20130054469A1 (en) * 2011-08-26 2013-02-28 Sarvatra Technologies Pvt Ltd. Computer implemented multi-level transaction authorization banking support system and method thereof
US20130060701A1 (en) * 2010-05-06 2013-03-07 Chang Hwa Lyou Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method
US20130066763A1 (en) * 2004-04-07 2013-03-14 American Express Travel Related Services Company, Inc. System and method for transferring a line of credit balance to a cash account
US20130067547A1 (en) * 2011-09-08 2013-03-14 International Business Machines Corporation Transaction authentication management including authentication confidence testing

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130066763A1 (en) * 2004-04-07 2013-03-14 American Express Travel Related Services Company, Inc. System and method for transferring a line of credit balance to a cash account
US20130054340A1 (en) * 2009-09-23 2013-02-28 Mastercard International Incorporated Methods and systems for displaying loyalty program information on a payment card
US20130060701A1 (en) * 2010-05-06 2013-03-07 Chang Hwa Lyou Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method
US20130054469A1 (en) * 2011-08-26 2013-02-28 Sarvatra Technologies Pvt Ltd. Computer implemented multi-level transaction authorization banking support system and method thereof
US20130067547A1 (en) * 2011-09-08 2013-03-14 International Business Machines Corporation Transaction authentication management including authentication confidence testing

Also Published As

Publication number Publication date
WO2014145395A2 (en) 2014-09-18

Similar Documents

Publication Publication Date Title
WO2014145395A3 (en) System and method for consumer fraud protection
WO2014153462A3 (en) Advanced authentication techniques and applications
WO2014110370A3 (en) Method and apparatus of identifying a website user
EP3350961A4 (en) Computer-implemented cryptographic method for improving a computer network, and terminal, system and computer-readable medium for the same
EP3192032A4 (en) Systems and methods for using social network data to determine payment fraud
WO2012142045A3 (en) Multiple tokenization for authentication
MX2015014917A (en) Self authentication.
EP4274165A3 (en) System and method for efficiently enrolling, registering, and authenticating with multiple authentication devices
WO2015105705A8 (en) Systems and methods for using transaction data associated with a loyalty program identifier to conduct a purchase transaction
EP3057049A4 (en) Electronic transaction method and system, and payment platform system
MX2016005769A (en) Sensor data time alignment.
HK1209517A1 (en) Method, system and server system of payment based on a conversation group
WO2012174427A3 (en) Method and system for determining authentication levels in transactions
MX2015004623A (en) Social payment method and apparatus.
WO2013173741A3 (en) Prioritization of incoming communications
WO2013051009A3 (en) A social network graph based sensor data analytics
WO2015118176A8 (en) Management of identities in a transaction infrastructure
NZ705900A (en) Method for phone authentication in e-business transactions and computer-readable recording medium having program for phone authentication in e-business transactions recorded thereon
EP3082086A4 (en) Secure network accessing method for pos terminal, and system thereof
HK1246465A1 (en) Computer implemented multi-currency invoice capture, trading, access and payment system
WO2014059137A3 (en) Autonomic network sentinels
EP3234887A4 (en) Intelligent system and method of payment, finance, and social commerce
WO2012174122A3 (en) Selective authorization method and system
WO2014169283A3 (en) Analytics rules engine for payment processing system
EP3335178A4 (en) Systems and methods for monitoring authentication of transactions to payment networks

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 14765532

Country of ref document: EP

Kind code of ref document: A2

122 Ep: pct application non-entry in european phase

Ref document number: 14765532

Country of ref document: EP

Kind code of ref document: A2