METHODS AND SYSTEMS FOR ELECTRONIC COMMERCE VERIFICATION

摘要

A computer system for fraud detection in a payment card transaction system is provided. The computer system is programmed to receive a card transaction authorization request message for a payment card transaction initiated with a merchant that includes a plurality of data elements to be verified and a verification request indicator, determine whether the verification request indicator is valid, transmit the request message and verification request indicator to an issuer associated with the payment card, and receive a card transaction authorization response message from the issuer that includes an issuer authorization decision and a verification indicator associated with each data element verified by the issuer. The verification indicator indicates a status of a verification of the data element with data stored in one or more databases of the issuer. The computer system is further programmed to transmit the card transaction authorization response message to the merchant.