Visa International Service Association

Prakash Kalaiah

Gyan Prakash

Ravi Krishnan Muthukrishnan

Subramanian Kumaraswamy

Embodiments of the disclosure are directed to methods, systems, and devices for the use of portable devices, such as a vehicle driven by a user, that are distinctive physical objects and can be presented to an authentication system for authentication purposes. More specifically, the portable device may be used as a source of information for the authentication system that can be verified. Images may be captured of the portable devices in order to determine their distinctive features for comparison to other physical objects registered to the user. The portable devices may also be a source of metadata, or additional contextual information associated with those portable devices or their interaction with the authentication system. The image data and/or the metadata associated with a portable device can be verified for fraud or risk analysis.

System and method for fraud risk analysis in IoT

A transaction is conducted by a user. Confirmation element data and a corresponding confirmation element identifier are generated for the transaction. The confirmation element data and an authorization response message for the transaction are then associated by the confirmation element identifier. The confirmation element data and the confirmation element identifier are sent to a mobile device of the user. The user enters a user personal identifier at the mobile device, which generates modified confirmation element data comprising the user personal identifier. The modified confirmation element data is sent with the authorization response message to a processing entity.

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Fremont, CA, United States of America

Prakash Kalaiah