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1. WO2020097277 - SECONDARY FRAUD DETECTION DURING TRANSACTION VERIFICATIONS

Publication Number WO/2020/097277
Publication Date 14.05.2020
International Application No. PCT/US2019/060181
International Filing Date 07.11.2019
IPC
G06Q 20/40 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
40Authorisation, 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
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 40/02 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
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
H04W 12/06 2009.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
WWIRELESS COMMUNICATION NETWORKS
12Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity
06Authentication
Applicants
  • AMERICAN EXPRESS TRAVEL RELATED SERVICES CO., INC. [US]/[US]
Inventors
  • BECKMAN, Michelle R.
  • BELSKY, Scott
  • MARSHALL, Vernon
  • SOHM, Ryan R.
Agents
  • THOMAS HORSTEMEYER LLP
Priority Data
16/185,09909.11.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SECONDARY FRAUD DETECTION DURING TRANSACTION VERIFICATIONS
(FR) DÉTECTION DE FRAUDE SECONDAIRE PENDANT VÉRIFICATIONS DE TRANSACTION
Abstract
(EN)
Systems and methods for secondary fraud detection during transaction verifications are disclosed. A payment system may transmit a fraud protection notification to a user in response to potential fraud being detected as part of a primary transaction fraud detection process. In response to the user interacting with the fraud protection notification to confirm that the transaction was not fraudulent, the system may capture user device data from the user's device. The system may perform a secondary fraud detection process on the captured user device data to determine whether the verification of the transaction has a risk of being fraudulent.
(FR)
L'invention concerne des systèmes et des procédés de détection de fraude secondaire pendant des vérifications de transaction. Un système de paiement peut transmettre une notification de protection contre la fraude à un utilisateur en réponse à la détection d'une fraude potentielle en tant que partie d'un processus de détection de fraude de transaction primaire. En réponse à l'interaction de l'utilisateur avec la notification de protection contre la fraude pour confirmer que la transaction n'a pas été frauduleuse, le système peut capturer des données de dispositif utilisateur à partir du dispositif de l'utilisateur. Le système peut effectuer un processus de détection de fraude secondaire sur les données de dispositif d'utilisateur capturées pour déterminer si la vérification de la transaction a un risque d'être frauduleuse.
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