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1. WO2020072068 - SYSTEM, METHOD, AND APPARATUS FOR MULTI-STAGED RISK SCORING

Publication Number WO/2020/072068
Publication Date 09.04.2020
International Application No. PCT/US2018/054500
International Filing Date 05.10.2018
IPC
G06Q 20/08 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 40/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06Q 20/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
G06Q 20/38
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 40/00
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US]
Inventors
  • SONG, Hongqin
  • GU, Yu
Agents
  • PREPELKA, Nathan, J.
  • EHRET, Christian, D.
  • CZAJKOWSKI, Steven, D.
  • PASSODELIS, William, C.
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM, METHOD, AND APPARATUS FOR MULTI-STAGED RISK SCORING
(FR) SYSTÈME, PROCÉDÉ ET APPAREIL D'ÉVALUATION DE RISQUE À PLUSIEURS ÉTAPES
Abstract
(EN)
Provided is a system, method, and apparatus for multi-staged risk scoring. The system includes at least one processor programmed or configured to receive a transaction request message including transaction data, generate a first risk score based at least partially on a first algorithm and a first set of data, determine if the first risk score satisfies a first threshold, in response to determining that the first risk score satisfies the first threshold, process the transaction, in response to determining that the first risk score does not satisfy the first threshold, generate a second risk score based at least partially on a second algorithm and a second set of data different than the first set of data, determine if the second risk score satisfies a second threshold, in response to determining that the second risk score satisfies the second threshold, process the transaction.
(FR)
L'invention concerne un système, un procédé et un appareil d'évaluation de risque à plusieurs étapes. Le système contient au moins un processeur programmé ou configuré pour recevoir un message de demande de transaction contenant des données de transaction, produire un premier score de risque au moins partiellement en fonction d'un premier algorithme et d'un premier ensemble de données, déterminer si le premier score de risque respecte un premier seuil, en réponse à la détermination que le premier score de risque respecte le premier seuil, traiter la transaction, en réponse à la détermination que le premier score de risque ne respecte pas le premier seuil, produire un deuxième score de risque au moins partiellement en fonction d'un deuxième algorithme et d'un deuxième ensemble de données différent du premier ensemble de données, déterminer si le deuxième score de risque respecte un deuxième seuil, en réponse à la détermination que le deuxième score de risque respecte le deuxième seuil, traiter la transaction.
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