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US 2024/0193600 A1Published application
Trusted customer network
AssigneeStripe, Inc.
InventorsKerwell Liao, Angel Maredia
Life of this patent
Estimating the term…
Abstract
A user scans a payment card while setting up an account on a merchant's website, or while completing a check out to purchase an item or service for the first time. The subject system stores signals from the card scan (e.g., device ID, verified card, location, last time scanned and used, etc.). The next time a transaction is requested for the card at another merchant, the subject system can reference the last data it has on the card. If the transaction is being requested from the same device or a reasonably close physical location within a reasonable timeframe, the subject system can be highly confident that this is a legitimate transaction, without requiring the customer to scan their payment card again.
Claims20
A method comprising:
- receiving a request to analyze a transaction for fraud from a first merchant site, the request including payment card information and a set of signals associated with a client device, the set of signals comprising a first set of device characteristics of the client device and a second set of activity indicators associated with the transaction;
- determining, based at least in part on the set of signals, a score indicating a probability of fraud for the payment card information with the transaction, the determining comprising:
- determining whether the payment card information was verified, based on information related to a different transaction at a different merchant site, at a previous time greater than a threshold period of time prior to a time of the transaction being received at the first merchant site;
- determining a number of a previous set of signals of a particular client device associated with the different transaction that matches the set of signals of the client device;
- and
- computing, using a machine learning model, the score based at least in part on the determining whether the payment card information was verified, the number of the previous set of signals that match the set of signals, and the second set of activity indicators;
- sending the computed score to the first merchant site, the computed score being utilized to determine whether to initiate a subsequent verification process for the payment card information with the client device, the subsequent verification process comprising at least capturing an image of a payment card corresponding to the payment card information;
- and
- causing the first merchant site to display information indicating whether the subsequent verification process is to be performed based at least in part on the computed score.
6 more elements
A system comprising:
- a network;
- one or more processors;
- and
- a memory storing instructions that, when executed by at least one processor among the one or more processors, cause the at least one processor to perform operations comprising:
- receiving a request to analyze a transaction for fraud from a first merchant site, the request including payment card information and a set of signals associated with a client device, the set of signals comprising a first set of device characteristics of the client device and a second set of activity indicators associated with the transaction;
- determining, based at least in part on the set of signals, a score indicating a probability of fraud for the payment card information with the transaction, the determining comprising:
- determining whether the payment card information was verified, based on information related to a different transaction at a different merchant site, at a previous time greater than a threshold period of time prior to a time of the transaction being received at the first merchant site;
- determining a number of a previous set of signals of a particular client device associated with the different transaction that matches the set of signals of the client device;
- and
- computing, using a machine learning model, the score based at least in part on the determining whether the payment card information was verified, the number of the previous set of signals that match the set of signals, and the second set of activity indicators;
- sending the computed score to the first merchant site, the computed score being utilized to determine whether to initiate a subsequent verification process for the payment card information with the client device, the subsequent verification process comprising at least capturing an image of a payment card corresponding to the payment card information;
- and
- causing the first merchant site to display information indicating whether the subsequent verification process is to be performed based at least in part on the computed score.
10 more elements
A non-transitory machine-readable medium comprising instructions which, when read by a machine, cause the machine to perform operations comprising:
- receiving a request to analyze a transaction for fraud from a first merchant site, the request including payment card information and a set of signals associated with a client device, the set of signals comprising a first set of device characteristics of the client device and a second set of activity indicators associated with the transaction;
- determining, based at least in part on the set of signals, a score indicating a probability of fraud for the payment card information with the transaction, the determining comprising:
- determining whether the payment card information was verified, based on information related to a different transaction at a different merchant site, at a previous time greater than a threshold period of time prior to a time of the transaction being received at the first merchant site;
- determining a number of a previous set of signals of a particular client device associated with the different transaction that matches the set of signals of the client device;
- and
- computing, using a machine learning model, the score based at least in part on the determining whether the payment card information was verified, the number of the previous set of signals that match the set of signals, and the second set of activity indicators;
- sending the computed score to the first merchant site, the computed score being utilized to determine whether to initiate a subsequent verification process for the payment card information with the client device, the subsequent verification process comprising at least capturing an image of a payment card corresponding to the payment card information;
- and
- causing the first merchant site to display information indicating whether the subsequent verification process is to be performed based at least in part on the computed score.
6 more elements
Dependencies are inferred from the claim text.