Invention Grant
- Patent Title: Merchant fraud risk score
- Patent Title (中): 商家欺诈风险评分
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Application No.: US13053504Application Date: 2011-03-22
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Publication No.: US08626663B2Publication Date: 2014-01-07
- Inventor: Brad Nightengale , Karl Newland , Kevin Siegel , Zhongxiao (“Josh”) Jiang , Sharon Rowberry
- Applicant: Brad Nightengale , Karl Newland , Kevin Siegel , Zhongxiao (“Josh”) Jiang , Sharon Rowberry
- Applicant Address: US CA San Francisco
- Assignee: Visa International Service Association
- Current Assignee: Visa International Service Association
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q40/00
- IPC: G06Q40/00

Abstract:
Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.
Public/Granted literature
- US20110238575A1 MERCHANT FRAUD RISK SCORE Public/Granted day:2011-09-29
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