Visa International Service Association

Andrew Malachy McGloin

Wei Zhang

Hao Yang

Liang Wang

Dhruv Gelda

Shubham Jain

A method of determining fraud includes: receiving a transaction request associated with a first payment transaction between a merchant and a user from a merchant system; generating a first risk score based on the transaction request and a first set pot of transaction data received prior to the transaction request; processing a transaction request approval based on the first risk score not satisfying a first threshold; receiving a risk score request associated with the first payment transaction, where the risk score request is received after the transaction request has been approved; generating a second risk score based on a second set of transaction data received after the first risk score is determined; and automatically classifying the first payment transaction as potentially fraudulent in response to determining that the second risk score satisfies a second threshold.

Growing community of inventors

Granite Bay, CA, United States of America

Andrew Malachy McGloin