Method and system for detecting possible frauds in payment transactions

Fraud detection system to detect possible frauds in payment transactions between two partners, payment data for the payment transaction being transmitted over a mobile radio network, the payment transaction occurring over a payment service provider external to the mobile radio network, said system comprising a fraud detection module for combining mobile radio network internal multivalued parameters with multivalued parameters of the payment service provider sent to the fraud detection system to detect possible frauds, wherein said multivalued parameters are not restricted to having only one of two values, wherein

• said mobile radio network performs tests for detecting possible frauds before each payment transaction utilizing said internal multivalued parameters and said multivalued parameters sent by the payment service provider, and wherein
• said mobile radio network internal multivalued parameters include at least one of the following parameters:
• location of the first partner,
• identity of the mobile radio network,
• location of the second partner,
• trajectory of the first partner,
• trajectory of the second partner,
• used combination of mobile device and identification module,
• transmission channel that is used for the payment transaction,
• mobile device use profile of the first partner,
• mobile device use profile of the second partner,
• manual and/or unusual choice of the used payment service, and
• temporal information including time and/or date, and/or day of the week, and further wherein
• said payment service provider multivalued parameters include at least one of the following parameters:
• used payment service,
• used money account,
• balance on the used money account,
• payment service use profile,
• payment amount,
• payment transaction frequency,
• providing partners,
• several failed attempts at authentication,
• temporal information including time, and/or date, and/or day of the week,
• log file of earlier transactions,
• black list of partners that are blocked for transaction with a certain money account,
• white list of partners that are authorized for a transaction with a certain money account,
• grey list of suspect partners,
• number of transactions with each money account during a predetermined period, and
• profile of the partner, wherein
• both transaction partners are each bound to several money accounts and wherein the pair of money accounts that is used for a certain payment transaction is determined automatically by said payment platform.

A method for detecting a possible fraud in a payment transaction conducted over a mobile radio network that supports a plurality of payment service providers, said method comprising the steps of:

• the mobile radio network receiving a request to make a payment from a user utilizing one of said payment service providers;
• the mobile radio network sending information about said request to said one of said payment service providers;
• the mobile radio network receiving at least one payment parameter sent from said one of said payment service providers, said at least one payment parameter being generated by said one of said payment service providers based on said information about said request provided to said one of said payment service providers, said payment parameter adapted for use in determining a probability of fraud;
• the mobile radio network generating at least one network parameter in response to said request, said network parameter also for use in determining a probability of fraud;
• preparing a score based on a combination of said at least one payment parameter and said at least one network parameter such that said score indicates a probability of fraud, wherein
• said request is denied by the mobile radio network when said score shows a high probability for fraud but said request is permitted by the mobile radio network when said score indicates a low probability for fraud, wherein
• said score indicates a probability of fraud of said request such that said score is adapted to indicate a high probability for fraud for situations where neither of said parameters, alone, would indicate a high probability for fraud, and wherein
• said score is also adapted to indicate a low potential for fraud for situations where at least one of said parameters, alone, would indicate a high probability for fraud.

A method for detecting a possible fraud in a payment transaction conducted over a mobile radio network that supports a plurality of payment service providers, said method comprising the steps of:

• the mobile radio network receiving a request to make a payment from a user utilizing one of said payment service providers;
• the mobile radio network sending information about said request to said one of said payment service providers;
• the mobile radio network receiving a plurality of payment parameters sent from said one of said payment service providers, said payment parameters being generated by said one of said payment service providers based on said information about said request provided to said one of said payment service providers, said payment parameters for use in determining probabilities of fraud;
• the mobile radio network generating a plurality of network parameters in response to said request, said network parameters also for use in determining a probability of fraud;
• preparing at least two scores, each of said scores being based on different combinations of said payment parameters and said network parameters, such that each of said scores indicates a different probability of fraud;
• and
• combining said scores to determine an overall probability of fraud, wherein
• said request is denied by the mobile radio network when said score shows a high probability for fraud, wherein
• said request is permitted when one or more of said scores indicate a high probability of fraud, but the combination of scores does not indicate a high probability of fraud.

A method for detecting a possible fraud in a payment transaction conducted over a mobile radio network that supports a plurality of payment service providers, said method comprising the steps of:

• the mobile radio network receiving a request to make a payment from a user utilizing one of said payment service providers;
• the mobile radio network sending information about said request to said one of said payment service providers;
• the mobile radio network receiving a plurality of payment parameters sent from said one of said payment service providers, said payment parameters being generated by said one of said payment service providers based on said information about said request provided to said one of said payment service providers, said payment parameters for use in determining probabilities of fraud;
• the mobile radio network generating a plurality of network parameters in response to said request, said network parameters also for use in determining a probability of fraud;
• preparing at least two scores, each of said scores being based on different combinations of said payment parameters and said network parameters, such that each of said scores indicates a different probability of fraud;
• combining said scores to determine an overall probability of fraud;
• and
• preparing an additional score using at least one parameter based on current or previous payment transactions of the user with another one of said plurality of payment service providers, wherein
• said combining utilizes said additional score, and wherein
• said request is denied by the mobile radio network when said score shows a high probability for fraud.