First Data Corporation

Andre Boudousquie

Waisum Mok

Systems and methods are disclosed, where check transaction risks can be determined based on a pattern of changes in identifier information such as MICR field information and driver license number. A MICR field on a given check includes a routing transit number and an account number. Some fraudulent check transactions involve a pattern of alterations of the MICR field, such as changing, adding, or removing of one or more digits or characters of the account number or the routing transit number. Various embodiments of systems and methods can be configured to detect such pattern of changes in the MICR field, thereby facilitating detection of fraudulent check transactions. Various techniques of the present disclosure can be used to detect fraudulent electronic check transactions such as web-based transactions, as well as paper check transactions.

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Houston, TX, United States of America

Andre Boudousquie