CREDIT CARD FRAUD PREVENTION SYSTEM AND METHOD

摘要

A mobile computing device is adapted to transmit to a scoring server URLs of websites browsed using the device. The scoring server can compare these URLs against a merchant URL obtained within a preselected time period from transaction data resulting from a transaction involving a payment product of the device user. A score can be calculated based on the similarity between each URL obtained from the device and the URL from the transaction data. The score represents the likelihood that a website browsed using the device and, as a result, the transaction, is fraudulent. The browsed URLs can also be scored against a database of known fraudulent websites. A notification concerning the legitimacy of the transaction based on the score can be generated and sent to the mobile device in real-time. On receiving the notification, the device can be used to either accept or decline the transaction in real-time.

主权项

1. A payment product fraud prevention method, comprising:
automatically receiving by at least one computing device platform server first identifiers representing uniform resource locators associated with websites browsed using computing devices recognized by the at least one computing device platform server as being registered to a user, each of the first identifiers having been automatically obtained and transmitted from the registered computing devices during browsing; receiving by the at least one computing device platform server a second identifier from transaction authorization data resulting from a transaction involving a payment product associated with the user; using the at least one computing device platform server to:
compare the second identifier against ones of the first identifiers obtained within a preselected time period prior to the transaction, andcalculate at least one score based on a degree of similarity between the second identifier and one or more of the ones of the first identifiers obtained within the preselected time period prior to the transaction, the at least one score representing a likelihood that the transaction is fraudulent; and causing a notification to be transmitted to the registered computing devices in substantially real time, the notification indicating the likelihood that the transaction is fraudulent.