Fraudulent address database
View Patent ↗One embodiment of the present invention provides a system and method to collect information about potentially suspect addresses across many members of a commerce platform or a fraudulent address database system, thus reducing the chance of exposure to fraudulent charges for merchants providing services as members.
1. A computer implemented method comprising:
in response to processing a purchase transaction conducted over a communications media, comparing, via a computing device, a shipping address associated with the purchase transaction to a set of prohibited shipping addresses previously identified;
in response to a match between the shipping address and one of the set of prohibited shipping addresses, performing, via the computing device, a risk assessment associated with the purchase transaction based on a set of predefined rules;
receiving notification from a first merchant about a fraudulent shipping address associated with a purchaser, the fraudulent address included in the set of prohibited shipping addresses;
allowing a plurality of merchants to disagree with the notification from the first merchant about the fraudulent shipping address;
receiving, via a computing device, a first rating from the purchaser about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address;
receiving, via the computing device, a second rating from a second merchant of the plurality of merchants about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address; and
creating a quality rating associated with the notification from the first merchant about the fraudulent shipping address based on disagreement from the plurality of merchants.
2. The method of claim 1 , further comprising, in response to the performing the risk assessment, terminating the purchase transaction prior to completion.
3. The method of claim 2 , wherein the terminating includes stopping shipment of a purchased item to the shipping address associated with the purchase transaction.
4. The method of claim 1 , wherein the communications media is a network connection.
5. The method of claim 1 , further comprising, in response to the performing the risk assessment, launching an additional investigation into the purchase transaction.
6. The method of claim 1 , wherein a separate set of predefined rules is used to perform the risk assessment based on a vendor associated with the purchase transaction.
7. The method of claim 1 , wherein the purchaser is associated with credit card disputes or fraudulent activity.
8. A machine-readable medium having stored thereon a set of instructions which when executed by a computing device perform a method comprising:
in response to processing a purchase transaction conducted over a communications media, comparing a shipping address associated with the purchase transaction to a set of prohibited shipping addresses previously identified;
in response to a match between the shipping address and one of the set of prohibited shipping addresses, performing a risk assessment associated with the purchase transaction based on a set of predefined rules;
receiving notification from a first merchant about a fraudulent shipping address associated with a purchaser, the fraudulent address included in the set of prohibited shipping addresses;
allowing a plurality of merchants to disagree with the notification from the first merchant about the fraudulent shipping address;
receiving a first rating from the purchaser about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address;
receiving a second rating from a second merchant of the plurality of merchants about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address; and
creating a quality rating associated with the notification from the first merchant about the fraudulent shipping address based on disagreement from the plurality of merchants.
9. The machine-readable medium of claim 8 , wherein the method further comprises, in response to the performing the risk assessment, terminating the purchase transaction prior to completion.
10. The machine-readable medium of claim 9 , wherein the terminating includes stopping shipment of a purchased item to the shipping address associated with the purchase transaction.
11. The machine-readable medium of claim 8 , wherein the communications media is a network connection.
12. The machine-readable medium of claim 8 , wherein the method further comprises, in response to the performing the risk assessment, launching an additional investigation into the purchase transaction.
13. The machine-readable medium of claim 8 , wherein a separate set of predefined rules is used to perform the risk assessment based on a vendor associated with the purchase transaction.
14. A computer system comprising:
at least one server configured for:
comparing a shipping address associated with a purchase transaction to a set of prohibited shipping addresses previously identified, in response to processing a purchase transaction conducted over a communications media; and
performing a risk assessment associated with the purchase transaction based on a set of predefined rules, in response to a match between the shipping address and one of the set of prohibited shipping addresses;
receiving notification from a first merchant about a fraudulent shipping address associated with a purchaser, the fraudulent address included in the set of prohibited shipping addresses;
allowing a plurality of merchants to disagree with the notification from the first merchant about the fraudulent shipping address;
receiving a first rating from the purchaser about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address;
receiving a second rating from a second merchant of the plurality of merchants about the first merchant based on perceived correctness of the notification from the first merchant about the fraudulent shipping address; and
creating a quality rating associated with the notification from the first merchant about the fraudulent shipping address based on disagreement from the plurality of merchants.