Visa International Service Association

Other

Cybersource Corporation

Scott Boding

Hung-Tzaw Hu

Jason Eaton

Jianji Ma

Craig O'Connell

Cory Howard Siddens

Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.

Integration of secure protocols into a fraud detection system

Embodiments of the invention are directed to systems and methods for implementing a rules suggestion engine that suggests rules to a user for lowering fraud in future transactions. Embodiments of the invention segment the transaction data based on at least one attribute defined by the user. One or more key indicators are identified corresponding to the segmented data. A correlation is performed between the user defined attribute and one or more key indicators. One or more transaction rules are generated based on the correlation that are suggested to the user for future transactions. The user can customize the rule, a field of rule, a prioritization of the rules, and even create categories of rules.

Rules suggestion engine

Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time.

Real time adaptive control of transaction review rate score curve

Growing community of inventors

Mountain View, CA, United States of America

Scott Boding