System and apparatus for transaction fraud processing
AssigneePaymentech, LLC
InventorsJohn Earl Shirey, Tonya Lin Carroll
Life of this patent
Estimating the term…
Abstract
A system for processing transaction data is provided. The system includes a fraud policy system that provides merchant fraud policy data. An order information data system receives order information data and the merchant fraud policy data and generates order information fraud score data, such as by modifying the order information data using the merchant fraud policy data and then scoring the modified order information data. A transaction authorization system receives the order information fraud score data and the merchant fraud policy data and generates client authorization data.
Claims21
1-8. (canceled)
A method for processing transaction data comprising:
- receiving order information fraud processing rule data from each of a plurality of merchants;
- receiving transaction data from one of the merchants;
- transmitting the order information fraud processing rule data for the merchant and the transaction data to a fraud scoring system;
- and
- receiving fraud score data.
A method for processing transaction data comprising:
- storing fraud processing rule data for a plurality of merchants;
- receiving fraud scoring update data;
- and
- notifying one or more merchants of the fraud scoring update data.
A method for processing transaction data comprising:
- providing merchant fraud policy data for one of a plurality of merchants;
- receiving order information data and the merchant fraud policy data and generating order information fraud score data therefrom;
- receiving the order information fraud score data and the merchant fraud policy data;
- generating client authorization data based on the order information fraud score data and the merchant fraud policy data.
Dependencies are inferred from the claim text.