Visa International Service Association

Other

Aoyu Chen

Kevin Paul Siegel

Charles Ding

Suyun Xu

Charles Raymond Byce

Robert L Grossman

Thomas H Dwyer

Christopher Brown

Randi Annette Paynter

Embodiments of the invention relate in part to determining a testing model and providing a testing transaction score for transactions. The testing transaction score may indicate a likelihood that the transaction is a testing transaction. One embodiment of the invention discloses a method comprising receiving a first authorization message for a first transaction using an account, determining a testing transaction score for the first transaction using a testing model, and determining that the first transaction is a testing transaction based on the testing transaction score, wherein the testing transaction score for the first transaction is used for declining a second transaction using the same account conducted after the first transaction.

Systems and methods for large-scale testing activities discovery

A system, apparatus, and method for reducing fraud in payment transactions by identifying a potential point of compromise (POC) that may lead to subsequent fraudulent transactions, or confirming that a suspected point of compromise is in fact responsible for a security breach leading to fraudulent payment transactions. The invention is also directed to a system, apparatus, and method for identifying data or transaction characteristics that may be used to most effectively identify a point of compromise in a payment transaction system.

System and method for identifying a point of compromise in a payment transaction processing system

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San Jose, CA, United States of America

Aoyu Chen