Methods and systems for electronic commerce verification

A method of detecting fraud in a payment card transaction using a fraud detection computing device in communication with a memory device, said method comprising:

• receiving, at the fraud detection computing device, a card transaction authorization request message for a payment card transaction initiated with a merchant, the card transaction authorization request message including a plurality of data elements to be verified and a verification request indicator;
• determining whether the verification request indicator is valid;
• transmitting the card transaction authorization request message and verification request indicator to an issuer computing device, the issuer computing device associated with an issuer bank having issued the payment card used in the transaction;
• receiving a card transaction authorization response message from the issuer computing device, the card transaction authorization response message including an issuer authorization decision and a verification indicator associated with each data element verified by the issuer, the verification indicator indicating a status of a verification of the data element with data stored in one or more databases of the issuer;
• and
• transmitting the card transaction authorization response message to the merchant.

At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:

• receive a card transaction authorization request message for a payment card transaction initiated with a merchant, the card transaction authorization request message including a plurality of data elements to be verified and a verification request indicator;
• determine whether the verification request indicator is valid;
• transmit the card transaction authorization request message and verification request indicator to an issuer associated with the payment card used in the transaction;
• receive a card transaction authorization response message from the issuer, the card transaction authorization response message including an issuer authorization decision and a verification indicator associated with each data element verified by the issuer, the verification indicator indicating a status of a verification of the data element with data stored in one or more databases of the issuer;
• and
• transmit the card transaction authorization response message to the merchant.