Method, system, and computer program product for customer-level data verification
A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument...
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Main Authors | , , , , , |
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Format | Patent |
Language | English |
Published |
24.11.2015
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Subjects | |
Online Access | Get full text |
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Abstract | A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity. |
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AbstractList | A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity. |
Author | RAMESH PRADEEP V SIDDHARTH RAHUL S GOMES KRISTIN HOYNE DOMENICA DANIELLE R DUGGAL CHANDERPREET BIFFLE JANET L |
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RelatedCompanies | RAMESH PRADEEP V SIDDHARTH RAHUL S GOMES KRISTIN HOYNE DOMENICA DANIELLE R III HOLDINGS 1, LLC DUGGAL CHANDERPREET BIFFLE JANET L |
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Snippet | A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during... |
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SubjectTerms | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
Title | Method, system, and computer program product for customer-level data verification |
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