Alias identity and reputation validation engine

A non-transitory computer- readable storage medium including instructions which when executed by a processor embedded in a computer system cause the processor to perform a method comprising:

• receiving a request for providing reputation information about a first alias associated with an entity from a merchant during a transaction with the entity in a first marketplace, wherein the entity uses a payment device to conduct the transaction;
• searching a database to locate reputation information for the first alias;
• determining additional aliases associated with the entity;
• searching for reputation information of the additional aliases;
• consolidating the reputation information for the additional aliases with the reputation information for the first alias;
• and
• providing the consolidated reputation information in the form of a reputation score to the merchant, wherein the reputation score is calculated based at least in part on a transaction risk score and non-transaction information associated with the entity, wherein the transaction risk score is determined by analyzing at least the payment device information to predict a likelihood of success of the transaction based at least in part on a history of chargebacks associated with the entity, and
• wherein determining whether the entity has additional aliases includes:
• receiving information about the payment device, a computer device, and a physical location associated with the entity used for the transaction, wherein the payment device includes a credit card or an account held at a financial institution and the physical location includes GPS location of the entity;
• searching the database for any additional alias whose payment device information, computer device information, and physical location information matches with the entity's information;
• and
• associating the additional alias retrieved with the entity upon matching the payment device information, the computer device information, and the physical location information of the additional alias stored in the database with the payment device information, the computer device information, and the physical location information of the entity used for the transaction,
• wherein the first alias is used in the first marketplace and the additional alias is used in a second different marketplace by the entity for purchase of goods or services in the first marketplace and the second marketplace, respectively.

A reputation validation server computer comprising:

• a processor;
• a memory storing a database and coupled to the processor;
• and
• a network interface coupled to the processor and configured to communicate receive data from and send data to an external system,
• wherein the processor is configured to:
• receive a request for providing reputation information about a first alias associated with an entity from a merchant during a transaction with the entity in a first marketplace, wherein the entity uses a payment device to conduct the transaction;
• search the database to locate reputation information for the first alias;
• determine additional aliases associated with the entity;
• search for reputation information of the additional aliases;
• consolidate the reputation information for the additional aliases with the reputation information for the first alias;
• and
• provide the consolidated reputation information in the form of a reputation score to the merchant, wherein the reputation score is calculated based at least in part on a transaction risk score and non-transaction information associated with the entity, wherein the transaction risk score is determined by analyzing at least the payment device information to predict a likelihood of success of the transaction based at least in part on a history of chargebacks associated with the entity, and
• wherein to determine whether the entity has additional aliases, the processor is further configured to:
• receive information about the payment device, a computer device, and a physical location associated with the entity used for the transaction, wherein the payment device includes a credit card or an account held at a financial institution and the physical location includes GPS location of the entity;
• search the database for any additional alias whose payment device information, computer device information, and physical location information matches with the entity's information;
• and
• associate the additional alias retrieved with the entity upon matching the payment device information, the computer device information, and the physical location information of the additional alias stored in the database with the payment device information, the computer device information, and the physical location information of the entity used for the transaction,
• wherein the first alias is used in the first marketplace and the additional alias is used in a second marketplace by the entity for purchase of goods or services in the first marketplace and the second marketplace, respectively.

A system comprising:

• a reputation validation server computer comprising a processor,
• a memory storing a database and coupled to the processor, and
• a network interface coupled to the processor and configured to communicate receive data from and send data to an external system,
• wherein the processor is configured to
• receive a request for providing reputation information about a first alias associated with an entity from a merchant computer during a transaction with the entity coupled to a client computer in a first marketplace, wherein the entity uses a payment device to conduct the transaction,
• search the database to locate reputation information for the first alias,
• determine additional aliases associated with the entity,
• search for reputation information of the additional aliases;
• consolidate the reputation information for the additional aliases with the reputation information for the first alias;
• and
• provide the consolidated reputation information in the form of a reputation score, wherein the reputation score is calculated based at least in part on a transaction risk score and non-transaction information associated with the entity, wherein the transaction risk score is determined by analyzing at least the payment device information to predict a likelihood of success of the transaction based at least in part on a history of chargebacks associated with the entity, and
• wherein to determine whether the entity has additional aliases, the processor is further configured to
• receive information about the payment device, a computer device, and a physical location associated with the entity used for the transaction, wherein the payment device includes a credit card or an account held at a financial institution and the physical location includes GPS location of the entity,
• search the database for any additional alias whose payment device information, computer device information, and physical location information matches with the entity's information;
• and
• associate the additional alias retrieved with the entity upon matching the payment device information, the computer device information, and the physical location information of the additional alias stored in the database with the payment device information, the computer device information, and the physical location information of the entity used for the transaction,
• wherein the first alias is used in the first marketplace and the additional alias is used in a second different marketplace by the entity for purchase of goods or services in the first marketplace and the second marketplace, respectively;
• and
• the client computer and the merchant computer in communication with the reputation validation server computer, the merchant computer configured to provide the request and receive the reputation score.