US 2015/0032618 A1Published application

Anti-fraud system and its method for on-line transaction with credit card

OwnerYi Hung Lininventor

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Abstract

An anti-fraud system and its method for on-line transaction with credit card, comprising an on-line transaction anti-fraud system linked between at least an e-commerce client and at least a verification/authorization agency; said on-line transaction anti-fraud system and verification/authorization agency may implement corresponding verification or verification and authorization according to different trading levels of the credit card; said on-line transaction anti-fraud system consists of at least a multi-information verification module, at least a mobile phone real-time ID verification module, at least a database and at least a consumption behavior analysis module; said consumption behavior analysis module is used to analyze the historic consumption records of the credit card consumer in the database, judge the trading risk levels, and activate the multi-information verification module or the mobile phone real-time ID verification module specific to different verification mechanisms, so as to identify the risk of credit card on-line transaction.

Claims20

Dependent claims

An anti-fraud system for on-line transaction with credit card, which comprising:

an on-line transaction anti-fraud system, which is linked between at least an e-commerce client and at least a verification/authorization agency;
the on-line transaction anti-fraud system and the verification/authorization agency may selectively conduct corresponding verification or corresponding verification and authorization depending on different trading risk levels of the credit card;
said on-line transaction anti-fraud system consists of:
at least a multi-information verification module, which could read the multi-information of the credit card consumer input by the e-commerce client, and transmit to the verification/authorization agency for verification;
of which the multi-information at least contains a credit card number and a mobile phone SIM card number;
at least a mobile phone real-time ID verification module, which could read the password of the mobile phone SIM card number that's input and already sent by the e-commerce client, and the verification/authorization agency could verify such password;
at least a consumption behavior analysis module, which could read the amount deducted from credit card of the credit card consumer input by the e-commerce client, and compare it with a group of preset low-risk absolute setting and high-risk absolute setting, so as to selectively activate corresponding multi-information verification module or mobile phone real-time ID verification module to implement the trading verification of the credit card.

4 more elements

An anti-fraud method for on-line transaction with credit card, which is applied to an on-line transaction anti-fraud system;

said on-line transaction anti-fraud system comprises at least a consumption behavior analysis module, at least a multi-information verification module and at least a mobile phone real-time ID verification module;
this system is linked between at least an e-commerce client and at least a verification/authorization agency;
such method contains the following steps:
(a) the consumption behavior analysis module reads amount deducted from credit card of the credit card consumer input by the e-commerce client, and compares it with a group of preset low-risk absolute setting and high-risk absolute setting;
according to the comparison result, said on-line transaction anti-fraud system and verification/authorization agency implement the trading verification of the credit card, which contains the following steps:
(a1) if the amount deducted from credit card is less than the low-risk absolute setting, implement Step (a4);
otherwise implement Step (a2);
(a2) if the amount deducted from credit card is less than the high-risk absolute setting, implement a medium-risk verification in Step (a4);
otherwise implement Step (a3);
(a3) implement a high-risk verification in Step (a4);
and
(a4) finish the verification.

9 more elements

An anti-fraud method for on-line transaction with credit card, which is applied to an on-line transaction anti-fraud system;

said on-line transaction anti-fraud system comprises at least a consumption behavior analysis module, at least a multi-information verification module and at least a mobile phone real-time ID verification module;
this system is linked between at least an e-commerce client and at least a verification/authorization agency;
such method contains the following steps:
(a) the consumption behavior analysis module reads amount deducted from credit card and trading time of the credit card consumer input by the e-commerce client, and compares it with a group of preset low-risk absolute setting and high-risk absolute setting;
it also reads historic consumption data of the credit card consumer in a database;
of which the historic consumption data contains inertia average, limit of inertia average and inertia trading period;
the amount deducted from credit card is compared with a group of inertia average and the limit of inertia average, and the trading time is compared with the inertia trading period;
said on-line transaction anti-fraud system and verification/authorization agency implement the trading verification of the credit card according to the historic consumption data;
the trading verification of the credit card contains the following steps:
(a1) if the amount deducted from credit card is less than the low-risk absolute setting and the inertia average, and the trading time agrees with the credit card consumer's inertia trading period, implement Step (a4);
otherwise implement Step (a2);
(a2) if the amount deducted from credit card is less than the high-risk absolute setting and the limit of the inertia average, and the trading time agrees with the credit card consumer's inertia trading period, implement a medium-risk verification in Step (a4);
otherwise implement Step (a3);
(a3) implement a high-risk verification in Step (a4);
and
(a4) finish the verification.

13 more elements

Dependencies are inferred from the claim text.