WO2007101074A3 - Method and apparatus for a merchant profile builder - Google Patents
Method and apparatus for a merchant profile builder Download PDFInfo
- Publication number
- WO2007101074A3 WO2007101074A3 PCT/US2007/062606 US2007062606W WO2007101074A3 WO 2007101074 A3 WO2007101074 A3 WO 2007101074A3 US 2007062606 W US2007062606 W US 2007062606W WO 2007101074 A3 WO2007101074 A3 WO 2007101074A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- merchant
- data
- weekly
- fraud
- stage
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
A merchant profile builder (MPB) is provided. The complete merchant profiling process is split into three pieces: Data Preprocessing, Weekly Summary Calculation, and Merchant Profile Calculation. In the Data Preprocessing stage, authorization data and daily fraud data are processed on a weekly basis to yield: an authorization extract file and fraud authorization data, each of which are sorted by a merchant key. In the Weekly Summary Calculation stage, the files output by the Data Preprocessing stage are used as input to compile basic statistics for each merchant based only on data for one week. There are separate weekly summaries for authorizations and fraud authorizations. In the Merchant Profile Calculation stage, the weekly summaries from the 16 most recent weeks are combined together and averages are calculated and output a set of merchant profiles and a set of default profiles.
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US77627006P | 2006-02-24 | 2006-02-24 | |
US60/776,270 | 2006-02-24 | ||
US11/677,571 | 2007-02-21 | ||
US11/677,571 US7686187B2 (en) | 2004-08-26 | 2007-02-21 | Apparatus and method for open thread, reusable, no-waste collapsible tube dispensers with control ribs and/or detent |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2007101074A2 WO2007101074A2 (en) | 2007-09-07 |
WO2007101074A3 true WO2007101074A3 (en) | 2008-01-17 |
Family
ID=38459739
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2007/062606 WO2007101074A2 (en) | 2006-02-24 | 2007-02-22 | Method and apparatus for a merchant profile builder |
Country Status (1)
Country | Link |
---|---|
WO (1) | WO2007101074A2 (en) |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5819226A (en) * | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US20020046092A1 (en) * | 2000-02-11 | 2002-04-18 | Maurice Ostroff | Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites |
US20020099649A1 (en) * | 2000-04-06 | 2002-07-25 | Lee Walter W. | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
-
2007
- 2007-02-22 WO PCT/US2007/062606 patent/WO2007101074A2/en active Application Filing
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5819226A (en) * | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US20020046092A1 (en) * | 2000-02-11 | 2002-04-18 | Maurice Ostroff | Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites |
US20020099649A1 (en) * | 2000-04-06 | 2002-07-25 | Lee Walter W. | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
Also Published As
Publication number | Publication date |
---|---|
WO2007101074A2 (en) | 2007-09-07 |
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