BR112017017049A2 - sistemas e métodos para a tomada de decisão com base em risco - Google Patents

sistemas e métodos para a tomada de decisão com base em risco

Info

Publication number
BR112017017049A2
BR112017017049A2 BR112017017049-3A BR112017017049A BR112017017049A2 BR 112017017049 A2 BR112017017049 A2 BR 112017017049A2 BR 112017017049 A BR112017017049 A BR 112017017049A BR 112017017049 A2 BR112017017049 A2 BR 112017017049A2
Authority
BR
Brazil
Prior art keywords
issuer
authorization request
risk
systems
methods
Prior art date
Application number
BR112017017049-3A
Other languages
English (en)
Inventor
B. Wiesman Mark
Original Assignee
Mastercard International Incorporated
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Incorporated filed Critical Mastercard International Incorporated
Publication of BR112017017049A2 publication Critical patent/BR112017017049A2/pt

Links

Classifications

    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

a presente invenção refere-se a um método e um sistema para criar um nível de garantia com base em atributos de dados de autenticação que usa um dispositivo de computador acoplado a uma base de dados. o método inclui receber uma solicitação de autorização associada com uma transação financeira a partir do emissor, a solicitação de autorização incluindo uma avaliação de risco de fraude da transação financeira determinado pelo emissor que usa uma res-posta de autenticação recebida a partir do dispositivo de computador pelo emissor, a solicitação de autorização incluindo um ou mais códigos de razão associados com a avaliação de risco de fraude do emissor. o método adicionalmente inclui transmitir a solicitação de autorização recebida a um emissor associado com o titular do cartão.
BR112017017049-3A 2015-03-06 2016-03-03 sistemas e métodos para a tomada de decisão com base em risco BR112017017049A2 (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/640,701 US9600819B2 (en) 2015-03-06 2015-03-06 Systems and methods for risk based decisioning
US14/640,701 2015-03-06
PCT/US2016/020725 WO2016144701A1 (en) 2015-03-06 2016-03-03 Systems and methods for risk based decisioning

Publications (1)

Publication Number Publication Date
BR112017017049A2 true BR112017017049A2 (pt) 2018-04-10

Family

ID=56849977

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112017017049-3A BR112017017049A2 (pt) 2015-03-06 2016-03-03 sistemas e métodos para a tomada de decisão com base em risco

Country Status (8)

Country Link
US (3) US9600819B2 (pt)
EP (1) EP3265981A4 (pt)
CN (1) CN107533705B (pt)
AU (2) AU2016229266A1 (pt)
BR (1) BR112017017049A2 (pt)
CA (1) CA2978453C (pt)
SG (1) SG11201707235VA (pt)
WO (1) WO2016144701A1 (pt)

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Also Published As

Publication number Publication date
SG11201707235VA (en) 2017-10-30
US20170193516A1 (en) 2017-07-06
WO2016144701A1 (en) 2016-09-15
CA2978453C (en) 2020-04-28
US20160260100A1 (en) 2016-09-08
US9600819B2 (en) 2017-03-21
AU2019203534A1 (en) 2019-06-06
AU2016229266A1 (en) 2017-08-31
US9870564B2 (en) 2018-01-16
CN107533705B (zh) 2021-03-12
CA2978453A1 (en) 2016-09-15
US20180137514A1 (en) 2018-05-17
EP3265981A1 (en) 2018-01-10
EP3265981A4 (en) 2018-08-01
CN107533705A (zh) 2018-01-02
US10592905B2 (en) 2020-03-17

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Legal Events

Date Code Title Description
B06U Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]
B11B Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements