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1. (WO2018106377) METHOD AND SYSTEM FOR FRAUD MITIGATION VIA ACCOUNT SECURITY
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Pub. No.: WO/2018/106377 International Application No.: PCT/US2017/060270
Publication Date: 14.06.2018 International Filing Date: 07.11.2017
IPC:
G06Q 20/22 (2012.01) ,G06Q 20/34 (2012.01) ,G06Q 20/40 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
22
Payment schemes or models
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
34
using cards, e.g. integrated circuit [IC] cards or magnetic cards
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
MASTERCARD INTERNATIONAL INCORPORATED [US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors:
KIRCH, Sean; US
PANDEY, Girish; US
Agent:
DOBBYN, Colm, J.; US
Priority Data:
15/370,50906.12.2016US
Title (EN) METHOD AND SYSTEM FOR FRAUD MITIGATION VIA ACCOUNT SECURITY
(FR) PROCÉDÉ ET SYSTÈME DE LIMITATION DES FRAUDES PAR L'INTERMÉDIAIRE D'UNE SÉCURITÉ DE COMPTE
Abstract:
(EN) A method for customized authentication of a subaccount includes: storing an account profile, wherein the account profile includes a structured data set related to a transaction account including a plurality of subaccounts, each subaccount including an associated account number, authentication rules, and authentication values; receiving a transaction message related to a payment transaction, wherein the transaction message includes a transaction account number and authentication data; identifying a specific subaccount in the account profile where the included associated account number corresponds to the transaction account number; and authenticating the authentication data based on the authentication rules and the authentication values included in the identified specific subaccount.
(FR) L'invention concerne un procédé d'authentification personnalisée d'un sous-compte consistant : à mémoriser un profil de compte, le profil de compte comprenant un ensemble de données structurées associé à un compte de transaction comprenant une pluralité de sous-comptes, chaque sous-compte comprenant un numéro de compte associé, des règles d'authentification et des valeurs d'authentification ; à recevoir un message de transaction associé à une transaction de paiement, le message de transaction comprenant un numéro de compte de transaction et des données d'authentification ; à identifier un sous-compte spécifique dans le profil de compte, le numéro de compte associé inclus correspond au numéro de compte de transaction ; à authentifier les données d'authentification sur la base des règles d'authentification et des valeurs d'authentification incluses dans le sous-compte spécifique identifié.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)