| 主权项 |
1. A system for detecting a merchant point of compromise, the system comprising:
a point of sale terminal located at a merchant location; at least one of an issuer network, a payment network, and an acquirer network communicating with the point of sale terminal, each of said issuer network, said payment network, and said acquirer network including a server, a switch, or a router; and a point-of-compromise detector installed in a computer system forming part of the issuer network, the payment network, or the acquirer network, said point-of-compromise detector being implemented at one or more of the issuer network, the payment network, and the acquirer network, said point-of-compromise detector remote from the point of sale terminal and configured to remotely detect fraud occurring at the point of sale terminal by: electronically receiving the transaction information from the point of sale terminal; generating at least one of an undirected network or a directed network based on the transaction information; creating a plurality of nodes in the directed network, wherein each of the nodes represents a merchant; detecting consecutive transactions made by a fraud account; identifying a plurality of merchants associated with the consecutive transactions; connecting at least two of the plurality of nodes in the directed network by edges that represent the plurality of merchants associated with the consecutive transactions; assigning weights to the edges based on numbers of accounts associated with the consecutive transactions; extracting features from at least one of the undirected network or the directed network; and identifying one or more point-of-compromise merchants based on the extracted features. |
