Integration of secure protocols into a fraud detection system
US9996837B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 8, 2015 |
| Grant date | Jun 12, 2018 |
| Priority date | — |
| Expiry date | Jul 5, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.