Visa International Service Association

Sharon Rowberry

Brad Nightengale

Kevin Paul Siegel

Karl Newland

Zhongxiao Jiang

Zhongxiao (“Josh”) Jiang

Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.

Merchant fraud risk score

The present invention is directed to a system, method and server to assist account issuers in managing risk, fraud and unauthorized use. A system, method and server for use in pushing advanced warning alerts to issuers based on consumer data element level triggering events and fraud and unauthorized use reports is disclosed. The ability to the push the alerts to issuers with a permissible purpose for receiving the information in the alerts provides a real-time, online and cost effective way of providing issuers with valuable risk management tools.

System and method for pushing advanced warning alerts

Method and system for advanced warning alerts using advanced identification system for identifying fraud detection and reporting

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San Mateo, CA, United States of America

Sharon Rowberry