Methods and systems for online fraud protection
AssigneeFirst Data Corporation
InventorMark D. Baumgart
Life of this patent
Estimating the term…
Abstract
This disclosure describes, generally, methods and systems for certifying user identities (IDs). The method includes receiving, from a customer, a certification request for a user ID. The method then identifies the user ID's owner and collects information about the owner. The information may include financial information, personal information, biographical information, etc. The method then analyzes the collected information to generate a risk score associated with the user ID, and based on the risk score exceeding a threshold, the method certifies the user ID.
Claims22
A computer implemented method of certifying a user identity (ID), the method comprising:
- receiving, at a computer system from a customer, a certification request for a user ID associated with one or more ecommerce websites;
- identifying, by the computer system, the user ID's owner;
- collecting, by the computer system, information about the owner, wherein the information includes at least one of financial information, personal information, and biographical information;
- analyzing, by the computer system, the collected information to generate a risk score associated with the user ID;
- determining whether the risk score exceeds a threshold;
- when it is determined that the risk score exceeds the threshold:
- certifying, by the computer system, the user ID, wherein the certification comprises providing an assurance of a successful transaction at the one or more ecommerce websites with the owner of the user ID;
- and
- providing the certification to the customer that requested the certification;
- and
- when it is determined that the risk score does not exceed the threshold:
- adding the user ID to a restricted list;
- and
- providing, to the customer:
- an indication that a certification has not been issued in response to the certification request;
- the risk score associated with the user ID;
- and
- an option for proceeding with a transaction with the owner.
A non-transitory machine-readable medium of certifying a user identity (ID), having sets of instructions stored thereon which, when executed by a machine, cause the machine to:
- receive, from a customer, a certification request for a user ID associated with one or more ecommerce services;
- identify the user ID's owner;
- collect information about the owner, wherein the information includes at least one of financial information, personal information, and biographical information;
- analyze the collected information to generate a risk score associated with the user ID;
- determine whether the risk score exceeds a threshold;
- when it is determined that the risk score exceeds the threshold:
- certify, by the computer system, the user ID, wherein the certification comprises providing an assurance of a successful transaction at the one or more ecommerce websites with the owner of the user ID;
- and
- provide the certification to the customer that requested the certification;
- and
- when it is determined that the risk score does not exceed the threshold:
- add the user ID to a restricted list;
- and
- provide, to the customer:
- an indication that a certification has not been issued in response to the certification request;
- the risk score associated with the user ID;
- and
- an option for proceeding with a transaction with the owner.
Dependencies are inferred from the claim text.