DETERMINING RISK OF TRANSACTIONS BASED ON PATTERNS OF WIRELESS DEVICES OBSERVED BY A USER TERMINAL

摘要

A method of performing operations on a processor of a financial transaction processing system, includes receiving from a merchant node an eCommerce authentication request for a pending eCommerce transaction associated with a user terminal. The eCommerce authentication request contains transaction information that comprises a user terminal identifier and a reported list of wireless device identifiers that are observed by the user terminal. A risk score is generated for the pending eCommerce transaction based on comparison of the reported list of wireless device identifiers to a registered list of wireless device identifiers which has been associated with the user terminal identifier. Authentication of the eCommerce authentication request is controlled based on the risk score. Related computer nodes of financial transaction processing systems and user terminals are disclosed.

主权项

1. A method comprising:
performing operations as follows on a processor of a financial transaction processing system: receiving from a merchant node an eCommerce authentication request for a pending eCommerce transaction associated with a user terminal, the eCommerce authentication request containing transaction information that comprises a user terminal identifier and a reported list of device identifiers that are observed by the user terminal; generating a risk score for the pending eCommerce transaction based on comparison of the reported list of wireless device identifiers to a registered list of wireless device identifiers which has been associated with the user terminal identifier; and controlling authentication of the eCommerce authentication request based on the risk score.