WO2014145395A3 - System and method for consumer fraud protection - Google Patents

System and method for consumer fraud protection Download PDF

Info

Publication number
WO2014145395A3
WO2014145395A3 PCT/US2014/030154 US2014030154W WO2014145395A3 WO 2014145395 A3 WO2014145395 A3 WO 2014145395A3 US 2014030154 W US2014030154 W US 2014030154W WO 2014145395 A3 WO2014145395 A3 WO 2014145395A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
fraud protection
consumer fraud
financial transaction
data
Prior art date
Application number
PCT/US2014/030154
Other languages
French (fr)
Other versions
WO2014145395A2 (en
Inventor
Jose Antonio Acuna-Rohter
Original Assignee
Rohter Consulting LLC
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
Priority claimed from US13/834,798 external-priority patent/US10475029B2/en
Application filed by Rohter Consulting LLC filed Critical Rohter Consulting LLC
Publication of WO2014145395A2 publication Critical patent/WO2014145395A2/en
Publication of WO2014145395A3 publication Critical patent/WO2014145395A3/en

Links

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
    • 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
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computing Systems (AREA)
  • Computer Security & Cryptography (AREA)
  • Health & Medical Sciences (AREA)
  • Economics (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Marketing (AREA)
  • Primary Health Care (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Storage Device Security (AREA)

Abstract

The present invention relates to system and method for authorizing a financial transaction using user-data collected from third-party websites, such as social media networks. In operation, collected user-data may be compared to a financial-data collected during a financial transaction to identify potential fraud and/or other discrepancies, confirming the identity of the user with a greater degree of accuracy.
PCT/US2014/030154 2013-03-15 2014-03-17 System and method for consumer fraud protection WO2014145395A2 (en)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US13/834,798 US10475029B2 (en) 2013-03-15 2013-03-15 System and method for consumer fraud protection
US13/834,798 2013-03-15
US13/963,249 US8635117B1 (en) 2013-03-15 2013-08-09 System and method for consumer fraud protection
US13/963,249 2013-08-09
US201461929379P 2014-01-20 2014-01-20
US61/929,379 2014-01-20

Publications (2)

Publication Number Publication Date
WO2014145395A2 WO2014145395A2 (en) 2014-09-18
WO2014145395A3 true WO2014145395A3 (en) 2014-11-06

Family

ID=51538468

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/030154 WO2014145395A2 (en) 2013-03-15 2014-03-17 System and method for consumer fraud protection

Country Status (1)

Country Link
WO (1) WO2014145395A2 (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110084007B (en) 2014-10-13 2023-11-28 创新先进技术有限公司 Method, device and terminal for constructing risk control model
US9460438B1 (en) 2015-03-20 2016-10-04 International Business Machines Corporation Authenticating a request for an electronic transaction
US11762989B2 (en) 2015-06-05 2023-09-19 Bottomline Technologies Inc. Securing electronic data by automatically destroying misdirected transmissions
US20170163664A1 (en) 2015-12-04 2017-06-08 Bottomline Technologies (De) Inc. Method to secure protected content on a mobile device
US11163955B2 (en) 2016-06-03 2021-11-02 Bottomline Technologies, Inc. Identifying non-exactly matching text
SG10201708490WA (en) * 2017-10-13 2019-05-30 Digital Alpha Group Pte Ltd System and method for processing a loan application
US20220245639A1 (en) * 2019-01-11 2022-08-04 Bottomline Technologies (De) Inc. Virtual Fraud Detection
US11593811B2 (en) * 2019-02-05 2023-02-28 International Business Machines Corporation Fraud detection based on community change analysis using a machine learning model
US11416713B1 (en) 2019-03-18 2022-08-16 Bottomline Technologies, Inc. Distributed predictive analytics data set
US11042555B1 (en) 2019-06-28 2021-06-22 Bottomline Technologies, Inc. Two step algorithm for non-exact matching of large datasets
US11269841B1 (en) 2019-10-17 2022-03-08 Bottomline Technologies, Inc. Method and apparatus for non-exact matching of addresses
US12014371B2 (en) * 2020-06-05 2024-06-18 Capital One Services, Llc Systems and methods for fraud detection and prevention
CN111882330A (en) * 2020-07-27 2020-11-03 山东协和学院 Financial fraud prevention analysis method, device, equipment and storage medium
US11449870B2 (en) 2020-08-05 2022-09-20 Bottomline Technologies Ltd. Fraud detection rule optimization
US11694276B1 (en) 2021-08-27 2023-07-04 Bottomline Technologies, Inc. Process for automatically matching datasets
US11544798B1 (en) 2021-08-27 2023-01-03 Bottomline Technologies, Inc. Interactive animated user interface of a step-wise visual path of circles across a line for invoice management

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130054469A1 (en) * 2011-08-26 2013-02-28 Sarvatra Technologies Pvt Ltd. Computer implemented multi-level transaction authorization banking support system and method thereof
US20130054340A1 (en) * 2009-09-23 2013-02-28 Mastercard International Incorporated Methods and systems for displaying loyalty program information on a payment card
US20130060701A1 (en) * 2010-05-06 2013-03-07 Chang Hwa Lyou Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method
US20130067547A1 (en) * 2011-09-08 2013-03-14 International Business Machines Corporation Transaction authentication management including authentication confidence testing
US20130066763A1 (en) * 2004-04-07 2013-03-14 American Express Travel Related Services Company, Inc. System and method for transferring a line of credit balance to a cash account

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130066763A1 (en) * 2004-04-07 2013-03-14 American Express Travel Related Services Company, Inc. System and method for transferring a line of credit balance to a cash account
US20130054340A1 (en) * 2009-09-23 2013-02-28 Mastercard International Incorporated Methods and systems for displaying loyalty program information on a payment card
US20130060701A1 (en) * 2010-05-06 2013-03-07 Chang Hwa Lyou Electronic payment service method, and electronic payment service apparatus, mobile communication terminal, and transaction terminal for performing the method
US20130054469A1 (en) * 2011-08-26 2013-02-28 Sarvatra Technologies Pvt Ltd. Computer implemented multi-level transaction authorization banking support system and method thereof
US20130067547A1 (en) * 2011-09-08 2013-03-14 International Business Machines Corporation Transaction authentication management including authentication confidence testing

Also Published As

Publication number Publication date
WO2014145395A2 (en) 2014-09-18

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