WO2002097563A3 - Method and apparatus for evaluating fraud risk in an electronic commerce transaction - Google Patents

Method and apparatus for evaluating fraud risk in an electronic commerce transaction Download PDF

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Publication number
WO2002097563A3
WO2002097563A3 PCT/US2002/015670 US0215670W WO02097563A3 WO 2002097563 A3 WO2002097563 A3 WO 2002097563A3 US 0215670 W US0215670 W US 0215670W WO 02097563 A3 WO02097563 A3 WO 02097563A3
Authority
WO
WIPO (PCT)
Prior art keywords
risk
fraud risk
electronic commerce
commerce transaction
produce
Prior art date
Application number
PCT/US2002/015670
Other languages
French (fr)
Other versions
WO2002097563A2 (en
Inventor
William Wright
Hung-Tzaw Hu
Original Assignee
Cybersource Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Cybersource Corp filed Critical Cybersource Corp
Priority to AU2002311941A priority Critical patent/AU2002311941A1/en
Priority to JP2003500680A priority patent/JP2004537781A/en
Priority to EP02739283A priority patent/EP1390833A4/en
Priority to CA002447512A priority patent/CA2447512A1/en
Publication of WO2002097563A2 publication Critical patent/WO2002097563A2/en
Publication of WO2002097563A3 publication Critical patent/WO2002097563A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Abstract

In an e-commerce risk screening system (900), transaction information is applied to multiple fraud risk models (915, 916, 918, 920) that produce raw scores, which are transformed with sigmoidal transform functions (910) to produce optimized likelihood of fraud risk estimates. Such estimates are combined using fusion proportions, producing a single point risk estimate, which is transformed with a sigmoidal function (910) to produce an optimized single point risk estimate.
PCT/US2002/015670 2001-05-30 2002-05-16 Method and apparatus for evaluating fraud risk in an electronic commerce transaction WO2002097563A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU2002311941A AU2002311941A1 (en) 2001-05-30 2002-05-16 Method and apparatus for evaluating fraud risk in an electronic commerce transaction
JP2003500680A JP2004537781A (en) 2001-05-30 2002-05-16 E-commerce transaction fraud risk evaluation method and apparatus
EP02739283A EP1390833A4 (en) 2001-05-30 2002-05-16 Method and apparatus for evaluating fraud risk in an electronic commerce transaction
CA002447512A CA2447512A1 (en) 2001-05-30 2002-05-16 Method and apparatus for evaluating fraud risk in an electronic commerce transaction

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US29485201P 2001-05-30 2001-05-30
US60/294,852 2001-05-30
US10/142,271 2002-05-08
US10/142,271 US7865427B2 (en) 2001-05-30 2002-05-08 Method and apparatus for evaluating fraud risk in an electronic commerce transaction

Publications (2)

Publication Number Publication Date
WO2002097563A2 WO2002097563A2 (en) 2002-12-05
WO2002097563A3 true WO2002097563A3 (en) 2003-03-27

Family

ID=26839930

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/015670 WO2002097563A2 (en) 2001-05-30 2002-05-16 Method and apparatus for evaluating fraud risk in an electronic commerce transaction

Country Status (6)

Country Link
US (3) US7865427B2 (en)
EP (1) EP1390833A4 (en)
JP (1) JP2004537781A (en)
AU (1) AU2002311941A1 (en)
CA (1) CA2447512A1 (en)
WO (1) WO2002097563A2 (en)

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