SYSTEM AND METHOD FOR INTEGRATING CYBER FRAUD INTELLIGENCE AND PAYMENT RISK DECISIONS

The invention relates to a method and system that combines payment data and cyber fraud indicators to identify potential fraud in payment requests from a client. The system comprises: a memory that stores and maintains a list of known fraud characteristics and cyber fraud indicators; and a computer processor, coupled to the memory, programmed to: receive, via an electronic input, a payment instruction from the client; identify one or more cyber fraud indicators associated with the payment instruction; apply payment decisioning to merge the one or more cyber fraud indicators to the payment instruction; generate a risk score based on the payment decisioning to determine whether the payment instruction should be executed; and automatically apply the payment decisioning to the payment instruction. 本发明涉及一种组合支付数据和网络欺诈指示符以识别来自客户端的支付请求中的潜在欺诈的方法和系统。该系统包括：存储器，其存储并维持已知欺诈特性和网络欺诈指示符的列表；以及耦合到存储器的计算机处理器，其被编程为：经由电子输入接收来自客户端的支付指令；识别与支付指令相关联的一个或多个网络欺诈指示符；应用支付决策以将一个或多个网络欺诈指示符合并到支付指令；基于支付决策生成风险分数，以确定是否应执行支付指令；并且将支付决策自动应用到支付指令。