Fraud monitoring system with distributed cache

A computer-implemented process comprising:

• processing a first series of purchase transaction requests at a first server;
• processing a second series of purchase transaction requests at a second server;
• storing transaction data concerning transactions associated with said first and said second series of purchase transaction requests in a central database;
• storing historical transaction information in a distributed cache, rather than in the central database, the distributed cache being connected to said central database;
• receiving a purchase transaction request;
• conducting a comparison of information regarding said purchase transaction request with said historical transaction information by accessing said distributed cache without accessing said central database;
• and
• issuing a fraud warning based on results of said comparison;
• wherein said first and said second series of purchase transaction requests are associated with a single user account;
• wherein said first and second servers are in different locales;
• wherein said distributed cache is at said different locales and synchronizes the historical transaction information across the different locales, rather than in the central database;
• and
• wherein said central database is remote from said different locales.

A system comprising:

• a first server located at a first locale and routing a first series of purchase transaction requests for a payment service;
• a second server located at a second locale and routing a second series of purchase transaction requests for said payment service;
• a central database that is remote from said first and second locales and stores transaction data of said first and second series of purchase transaction requests;
• a distributed cache that is connected to said central database and stores and synchronizes a set of transaction details across said first and second locales, rather than at said central database;
• and
• a risk service having access to said set of transaction details from said distributed cache without accessing said central database;
• wherein said risk service generates a fraud warning based on a result of a comparison of at least one transaction detail in said set of transaction details and at least one transaction detail of a new purchase transaction request received by said first server;
• and
• wherein said first and second series of purchase transaction requests are associated with a single payment service user account.