System and apparatus for transaction fraud processing

Abstract

A system for processing transaction data is provided. The system includes a fraud policy system that provides merchant fraud policy data. An order information data system receives order information data and the merchant fraud policy data and generates order information fraud score data, such as by modifying the order information data using the merchant fraud policy data and then scoring the modified order information data. A transaction authorization system receives the order information fraud score data and the merchant fraud policy data and generates client authorization data.

1 - 20 . (canceled) 
     
     
         21 . A method for processing transaction data comprising:
 electronically receiving order information fraud processing data from a plurality of merchants at a fraud scoring system;   electronically transmitting transaction data from a merchant to the fraud scoring system using electronic data transmitting equipment; and   generating fraud score data at the fraud scoring system by processing the transaction data with the order information fraud processing rule data.   
     
     
         22 . The method of  claim 21  wherein receiving order information fraud processing data further comprises receiving fraudulent transaction data from each of the plurality of merchants. 
     
     
         23 . The method of  claim 21  wherein receiving order information fraud processing data further comprises receiving transaction-level email address data from each of the plurality of merchants. 
     
     
         24 . The method of  claim 21  wherein receiving order information fraud processing data further comprises receiving transaction-level IP address data from each of the plurality of merchants. 
     
     
         25 . The method of  claim 21  wherein receiving order information fraud processing data further comprise receiving transaction-level billing data from each of the plurality of merchants. 
     
     
         25 . The method of  claim 21  wherein receiving order information fraud processing data further comprises receiving transaction-level stored value card data from each of the plurality of merchants. 
     
     
         26 . The method of  claim 21  further comprising:
 receiving fraud scoring update data; and 
 generating notification data for transmission to one or more of the plurality of merchants. 
 
     
     
         27 . The method of  claim 21  further comprising:
 receiving fraud scoring update data; and 
 modifying fraud processing rule data for one or more of the plurality of merchants. 
 
     
     
         28 . A method for processing transaction data comprising:
 receiving transaction fraud data for a plurality of merchants;   electronically extracting order information data from the transaction fraud data and generating fraud scoring data therefrom;   receiving authorization request data associated with a transaction that is being authorized; and   generating transaction authorization data using electronic data processing equipment that includes an authorization response and order-specific fraud score data using the fraud scoring data.   
     
     
         29 . The method of  claim 28  further comprising:
 extracting personal data from the transaction fraud data and generating the fraud scoring data therefrom; and 
 generating the transaction authorization data based on the extracted personal data. 
 
     
     
         30 . The method of  claim 28  further comprising:
 extracting email address data from the transaction fraud data and generating the fraud score data therefrom; and 
 generating the transaction authorization data based on the extracted email address data. 
 
     
     
         31 . The method of  claim 28  further comprising:
 extracting IP address data from the transaction fraud data and generating the fraud score data therefrom; and generating the transaction authorization data based on the ex acted IP address data. 
 
     
     
         32 . The method of  claim 28  further comprising:
 extracting stored value card data from the transaction fraud data and generating the fraud score data therefrom; and 
 generating the transaction authorization data based on the extracted stored value card data. 
 
     
     
         33 . The method of  claim 28  further comprising:
 extracting billing data and from the transaction fraud data and generating the fraud score data therefrom; and 
 generating the transaction authorization data based on the extracted billing data. 
 
     
     
         34 . The method of  claim 28  further comprising receiving fraud scoring update data and generating merchant notification data. 
     
     
         35 . The method of  claim 28  further comprising:
 receiving fraud scoring update data and generating merchant fraud policy change data for a merchant; and 
 receiving the merchant fraud policy change data and modifying merchant fraud data. 
 
     
     
         36 . A method for processing transaction data comprising:
 electronically receiving order information fraud data and associated personal information for each of a plurality of transactions from each of a plurality of merchants;   electronically receiving transaction data from one of the merchants;   processing the transaction data using the order information fraud data and the associated personal data using a fraud scoring system operating on electronic data processing equipment to generate fraud score data and authorization data; and   transmitting the fraud score data and the authorization data in a single message.   
     
     
         37 . The method of  claim 36  wherein electronically receiving order information fraud data further comprises receiving associated email address data, wherein the transaction data is processed using the email address data to generate the fraud score data. 
     
     
         38 . The method of  claim 36  wherein electronically receiving order information fraud data further comprises receiving associated IP address data, wherein the transaction data is processed using the IP address data to generate the fraud score data. 
     
     
         39 . The method of  claim 36  wherein electronically receiving order information fraud data further comprises receiving associated stored value card data, wherein the transaction data is processed using the stored value card data to generate the fraud score data. 
     
     
         40 . The method of  claim 36  wherein electronically receiving order information fraud data further comprises receiving associated billing data, wherein the transaction data is processed using the billing data to generate the fraud score data.