Systems and methods for providing risk based decisioning service to a merchant

Systems and methods for providing risk based decisioning service to a merchant

-62 21652-00596 A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further pr...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Salazar, Clara, Tomasofsky, Christian P, Hubbard, Steve E, Hafner, Michelle, Da Silva, Luis Felipe de Almeida Ferreira, Gerber, Johan
Format: Patent
Sprache:eng
Schlagworte:
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
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Beschreibung
Zusammenfassung:-62 21652-00596 A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.