Granted Patent B2

US 12,541,767 · App. 18/053,466 · Granted Feb 3, 2026

Inventor: Nicole S. Jass (Aurora, CO)

Assignee: Worldpay, LLC

G06Q20/4016G06Q20/382G06Q20/389G06Q20/405G06Q30/06

Abstract

Claims (63)

1 . A computer-implemented method for processing electronic transactions in a virtual environment, using a cross-issuer fraud detection computing system, the method comprising:

intercepting, by one or more processors of the cross-issuer fraud detection computing system and from a point of sale device in real time, an authorization request transmission sent across a payment network between one or more merchants and one or more financial institutions for a transaction initiated with a payment vehicle and occurring in real time at the point of sale device and associated with a user, wherein the authorization request transmission is associated with a plurality of profile data of the user identified with a unique identifier hash in a profile database, and wherein the plurality of profile data includes a plurality of transaction history data and payment vehicle data;

receiving, by the one or more processors of the cross-issuer fraud detection computing system and from the point of sale device, captured location data identifying a precise location of the point of sale device during a electronic transaction occurring in real time;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a fraud risk score for the electronic transaction based on the precise location and the payment vehicle, wherein a value of the fraud risk score exceeds a fraud threshold value for declining an electronic transaction;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a fraud tolerance score for the electronic transaction occurring in real time at the point of sale device based on the received plurality of transaction history data and the received plurality of profile data of the user;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a user-specific fraud threshold score for the user based on the received payment vehicle data, wherein the payment vehicle data indicates a frequency of switching between at least one of one or more payment vehicles and at one other of the one or more payment vehicles during historical electronic transactions associated with the user;

determining, by the one or more processors of the cross-issuer fraud detection computing system and prior to the electronic transaction being completed or abandoned, that the fraud risk score and the fraud tolerance score each fall below the user-specific fraud threshold score;

detecting, by a control logic of an authorization processor and prior to the electronic transaction being completed or abandoned, that the payment vehicle is a last form of tender associated with the user for the electronic transaction based on the frequency of switching between at least one of the one or more payment vehicles and at one other of the one or more payment vehicles during the historical electronic transactions associated with the user; and

processing, by an authorization processor in electronic communication with the cross-issuer fraud detection computing system the electronic transaction based on determining that the fraud risk score and the fraud tolerance score each fall below the user-specific fraud threshold score, and based on detecting that the payment vehicle is a last form of tender associated with the user for the electronic transaction and prior to the electronic transaction being completed or abandoned.

2 . The computer-implemented method of claim 1 , further comprising:

determining, by the one or more processors of the cross-issuer fraud detection computing system and before the authorization request transmission is cancelled for the electronic transaction occurring in real time at the point of sale device, that the fraud risk score and the fraud tolerance score each exceed the user-specific fraud threshold score; and

transmitting, by the one or more processors of the cross-issuer fraud detection computing system, a decline message in response to the authorization request transmission of the electronic transaction based on determining that the fraud risk score and the fraud tolerance score each exceed the user-specific fraud threshold score.

3 . The computer-implemented method of claim 1 , further comprising:

determining, by the one or more processors of the cross-issuer fraud detection computing system, the frequency of switching based, at least in part, on a cart abandonment metric and/or a payment vehicle switching metric, wherein a low payment vehicle switching metric indicates a high cart abandonment metric.

4 . The computer-implemented method of claim 3 , further comprising:

determining, by the one or more processors of the cross-issuer fraud detection computing system, a decline frequency based on the determined frequency of switching,

wherein the decline frequency decreases as the fraud risk score decreases, and wherein the decline frequency is greater for users that switch between the one or more payment vehicles upon denial of the authorization request transmission at one or more instances before abandoning the electronic transaction.

5 . The computer-implemented method of claim 1 , wherein the fraud tolerance score indicates a level of fraud tolerated specific to the user, and

wherein a low fraud tolerance score is determined for the user if several incidences of fraudulent activities are included in the plurality of transaction history data, and wherein the fraud tolerance score is adjusted on a continual basis as transaction data is received for the user.

6 . The computer-implemented method of claim 1 , wherein the fraud risk score is based on historical data associated with the one or more payment vehicles, the captured location data associated with the electronic transaction, a total amount of the electronic transaction, and/or historical data associated with prior payment vehicles utilized for the electronic transaction.

7 . The computer-implemented method of claim 6 , wherein the fraud risk score is greater based on the one or more payment vehicles having shorter historical data, lower interest rates, and/or direct access to service providers.

8 . The computer-implemented method of claim 1 , further comprising:

determining, by the one or more processors of the cross-issuer fraud detection computing system, the frequency of switching based, at least in part, on receiving authorization requests from multiple payment vehicles for the electronic transaction occurring in real time at the point of sale device and/or detecting that the electronic transaction is completed in real time at the point of sale device utilizing a second payment vehicle that is different than a first payment vehicle that initiated the electronic transaction.

9 . The computer-implemented method of claim 1 , further comprising:

adjusting, by the one or more processors of the cross-issuer fraud detection computing system and as the electronic transaction is occurring in real-time, the user-specific fraud threshold score in response to each instance of payment vehicle switching, wherein the adjusting is pre-determined and is relative to a detected number instances of payment vehicle switching.

10 . The computer-implemented method of claim 1 , wherein the plurality of transaction history data includes usage data for each of the one or more payment vehicles, one or more authorization request transmissions for transactions associated with the user, and/or completed transactions associated with the user.

11 . A cross-issuer fraud detection computing system for processing transactions, the system comprising:

a data storage device storing instructions for authorizing payment for consumer transactions; and

one or more processors configured to execute the instructions to perform a method including:

intercepting, by the one or more processors of the cross-issuer fraud detection computing system and from a point of sale device in real time, an authorization request transmission sent across a payment network between one or more merchants and one or more financial institutions for a transaction initiated with a payment vehicle and occurring in real time at the point of sale device and associated with a user, wherein the authorization request transmission is associated with a plurality of profile data of the user identified with a unique identifier hash in a profile database, and wherein the plurality of profile data includes a plurality of transaction history data and payment vehicle data;

receiving, by the one or more processors of the cross-issuer fraud detection computing system and from the point of sale device, captured location data identifying a precise location of the point of sale device during a electronic transaction occurring in real time;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a fraud risk score for the electronic transaction based on the precise location and the payment vehicle, wherein a value of the fraud risk score exceeds a fraud threshold value for declining an electronic transaction;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a fraud tolerance score for the electronic transaction occurring in real time at the point of sale device based on the received plurality of transaction history data and the received plurality of profile data of the user;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a user-specific fraud threshold score for the user based on the received payment vehicle data, wherein the payment vehicle data indicates a frequency of switching between at least one of one or more payment vehicles and at one other of the one or more payment vehicles during historical electronic transactions associated with the user;

determining, by the one or more processors of the cross-issuer fraud detection computing system and prior to the electronic transaction being completed or abandoned, that the fraud risk score and the fraud tolerance score each fall below the user-specific fraud threshold score;

detecting, by a control logic of an authorization processor and prior to the electronic transaction being completed or abandoned, that the payment vehicle is a last form of tender associated with the user for the electronic transaction based on the frequency of switching between at least one of the one or more payment vehicles and at one other of the one or more payment vehicles during the historical electronic transactions associated with the user; and

processing, by an authorization processor in electronic communication with the cross-issuer fraud detection computing system the electronic transaction based on determining that the fraud risk score and the fraud tolerance score each fall below the user-specific fraud threshold score, and based on detecting that the payment vehicle is a last form of tender associated with the user for the electronic transaction and prior to the electronic transaction being completed or abandoned.

12 . The system of claim 11 , wherein the processor is further configured for:

determining, by the one or more processors of the cross-issuer fraud detection computing system and before the authorization request transmission is cancelled for the electronic transaction occurring in real time at the point of sale device, that the fraud risk score and the fraud tolerance score each exceed the user-specific fraud threshold score; and

transmitting, by the one or more processors of the cross-issuer fraud detection computing system, a decline message in response to the authorization request transmission of the electronic transaction based on determining that the fraud risk score and the fraud tolerance score each exceed the user-specific fraud threshold score.

13 . The system of claim 11 , wherein the processor is further configured for:

determining, by the one or more processors of the cross-issuer fraud detection computing system, the frequency of switching based, at least in part, on a cart abandonment metric and/or a payment vehicle switching metric, wherein a low payment vehicle switching metric indicates a high cart abandonment metric.

14 . The system of claim 13 , wherein the processor is further configured for:

determining, by the one or more processors of the cross-issuer fraud detection computing system, a decline frequency based on the determined frequency of switching,

wherein the decline frequency decreases as the fraud risk score decreases, and wherein the decline frequency is greater for users that switch between the one or more payment vehicles upon denial of the authorization request transmission at one or more instances before abandoning the electronic transaction.

15 . The system of claim 11 , wherein the fraud tolerance score indicates a level of fraud tolerated specific to the user, and

wherein a low fraud tolerance score is determined for the user if several incidences of fraudulent activities are included in the plurality of transaction history data, and wherein the fraud tolerance score is adjusted on a continual basis as transaction data is received for the user.

16 . The system of claim 11 , wherein the fraud risk score is based on historical data associated with the one or more payment vehicles, the captured location data associated with the electronic transaction, a total amount of the electronic transaction, and/or historical data associated with prior payment vehicles utilized for the electronic transaction.

17 . The system of claim 16 , wherein the fraud risk score is greater based on the one or more payment vehicles having shorter historical data, lower interest rates, and/or direct access to service providers.

18 . A non-transitory machine-readable medium storing instructions that, when executed by a server, cause the server to perform a method for processing transactions using a cross-issuer fraud detection computing system, the method comprising:

intercepting, by one or more processors of the cross-issuer fraud detection computing system and from a point of sale device in real time, an authorization request transmission sent across a payment network between one or more merchants and one or more financial institutions for a transaction initiated with a payment vehicle and occurring in real time at the point of sale device and associated with a user, wherein the authorization request transmission is associated with a plurality of profile data of the user identified with a unique identifier hash in a profile database, and wherein the plurality of profile data includes a plurality of transaction history data and payment vehicle data;

receiving, by the one or more processors of the cross-issuer fraud detection computing system and from the point of sale device, captured location data identifying a precise location of the point of sale device during a electronic transaction occurring in real time;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a fraud risk score for the electronic transaction based on the precise location and the payment vehicle, wherein a value of the fraud risk score exceeds a fraud threshold value for declining an electronic transaction;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a fraud tolerance score for the electronic transaction occurring in real time at the point of sale device based on the received plurality of transaction history data and the received plurality of profile data of the user;

determining, by the one or more processors of the cross-issuer fraud detection computing system, a user-specific fraud threshold score for the user based on the received payment vehicle data, wherein the payment vehicle data indicates a frequency of switching between at least one of one or more payment vehicles and at one other of the one or more payment vehicles during historical electronic transactions associated with the user;

determining, by the one or more processors of the cross-issuer fraud detection computing system and prior to the electronic transaction being completed or abandoned, that the fraud risk score and the fraud tolerance score each fall below the user-specific fraud threshold score;

detecting, by a control logic of an authorization processor and prior to the electronic transaction being completed or abandoned, that the payment vehicle is a last form of tender associated with the user for the electronic transaction based on the frequency of switching between at least one of the one or more payment vehicles and at one other of the one or more payment vehicles during the historical electronic transactions associated with the user; and

processing, by an authorization processor in electronic communication with the cross-issuer fraud detection computing system the electronic transaction based on determining that the fraud risk score and the fraud tolerance score each fall below the user-specific fraud threshold score, and based on detecting that the payment vehicle is a last form of tender associated with the user for the electronic transaction and prior to the electronic transaction being completed or abandoned.

19 . The non-transitory machine-readable medium of claim 18 , wherein the method further comprises:

determining, by the one or more processors of the cross-issuer fraud detection computing system and before the authorization request transmission is cancelled for the electronic transaction occurring in real time at the point of sale device, that the fraud risk score and the fraud tolerance score each exceed the user-specific fraud threshold score; and

transmitting, by the one or more processors of the cross-issuer fraud detection computing system, a decline message in response to the authorization request transmission of the electronic transaction based on determining that the fraud risk score and the fraud tolerance score each exceed the user-specific fraud threshold score.

20 . The non-transitory machine-readable medium of claim 18 , wherein the method further comprises:

determining, by the one or more processors of the cross-issuer fraud detection computing system, the frequency of switching based, at least in part, on a cart abandonment metric and/or a payment vehicle switching metric, wherein a low payment vehicle switching metric indicates a high cart abandonment metric.

Assignments (6)

Continuity (2)

References Cited (20)