Stakeholder collaboration

Abstract

A technique for improving collaboration between relevant parties in a commercial transaction involves sending a timely alert to stakeholders with regard to a presumably fraudulent transaction. A system constructed in accordance with techniques described in this paper can integrate multiple stakeholders and service providers. The system can facilitate alerting stakeholders of a presumably fraudulent transaction and/or enable stakeholders to alert other stakeholders.

What is claimed is: 
     
         1 . A stakeholder collaboration network system, comprising:
 a transaction submission engine configured to facilitate submission of transactions by a first stakeholder;   a transaction datastore, coupled to the transaction submission engine, configured to store transaction records including transaction data submitted by the first stakeholder;   an alert generation engine configured to generate an alert in association with a first transaction record in the transaction datastore, wherein the first transaction record includes transaction data submitted by the first stakeholder;   an alert datastore, coupled to the alert generation engine, configured to store alert records for alerts generated by the alert generation engine;   a historical datastore configured to store historical records that include historical transaction data of the first transaction record, wherein the historical transaction data of the first transaction record is consistent for the first stakeholder and a second stakeholder associated with the first transaction;   a report generation engine, coupled to the historical datastore, configured to generate reports using the historical records;   wherein, in operation:
 the transaction submission engine receives transaction data from the first stakeholder and stores the first transaction record in the transaction datastore; 
 the alert generation engine receives a confirmed fraud indication associated with the first transaction record, generates a confirmed fraud alert associated with the first transaction record in response to receiving the confirmed fraud indication, generates a fraud alert message indicating the confirmed fraud alert, sends the fraud alert message to the second stakeholder, and stores the confirmed fraud alert in the alert datastore; 
 the transaction submission engine receives from the second stakeholder feedback associated with the first transaction record related to countermeasures taken by the second stakeholder in response to the confirmed fraud alert; 
 the report generation engine generates a first report for the first stakeholder and a second report for the second stakeholder, wherein the first report and the second report include data from the first transaction record that is consistent for the first report and the second report. 
   
     
     
         2 . The system of  claim 1 , further comprising:
 a stakeholder account engine including a server and a network interface;   a stakeholder account datastore, coupled to the stakeholder account engine, configured to store stakeholder data sufficient to enable the first stakeholder to login to a service provided by the server;   wherein, in operation, the stakeholder account engine provides a portal login for the first stakeholder via the network interface.   
     
     
         3 . The system of  claim 1 , further comprising a transaction search engine configured to facilitate searching transaction records in the transaction datastore;
 wherein, in operation, the transaction search engine receives a search query from the first stakeholder and provides data from the transaction datastore that matches the search query.   
     
     
         4 . The system of  claim 1 , further comprising an alert feedback engine configured to insert a feedback mechanism into an alert message;
 wherein, in operation, the alert feedback engine:
 inserts a feedback mechanism into the fraud alert message; 
 sends the fraud alert message including the feedback mechanism to the second stakeholder; 
 receives feedback from the second stakeholder regarding an outcome associated with a transaction for which the fraud alert message was generated. 
   
     
     
         5 . The system of  claim 1 , further comprising an alert queuing engine configured to queue alerts for the first stakeholder;
 wherein, in operation, the alert queuing engine enqueues the fraud alert message in an alert queue of the first stakeholder.   
     
     
         6 . The system of  claim 1 , further comprising an alert forwarding engine configured to facilitate forwarding the fraud alert message from the second stakeholder to a third stakeholder;
 wherein, in operation, the alert forwarding engine forwards the fraud alert message to the third stakeholder.   
     
     
         7 . The system of  claim 1 , wherein the fraud alert message includes a type of fraud of the confirmed fraud alert, a date and time that a transaction associated with the confirmed fraud alert was executed, and/or identification of stakeholders of the transaction. 
     
     
         8 . The system of  claim 1 , wherein the confirmed fraud indication is received from an issuer. 
     
     
         9 . The system of  claim 1 , wherein the confirmed fraud indication is received from a fraud risk assessor independent of an issuer. 
     
     
         10 . The system of  claim 1 , further comprising a stakeholder account engine configured to provide a portal to a stakeholder account management system through which the second stakeholder can input the feedback associated with the first transaction record. 
     
     
         11 . The system of  claim 1 , further comprising a stakeholder account engine configured to provide a portal to a stakeholder account management system through which stakeholders can view transaction data of transactions with which the stakeholders are associated. 
     
     
         12 . A method comprising:
 receiving information from a first stakeholder regarding a commercial transaction that has a level of fraud risk that exceeds an acceptable fraud risk threshold;   timely confirming unacceptable fraud risk for the commercial transaction;   timely collaboratively sharing an assessor-confirmed fraud alert;   facilitating collaborative transaction-related data analysis incorporating feedback, received by a transaction submission engine from a second stakeholder regarding countermeasures taken in response to the assessor-confirmed fraud alert;   generating a stakeholder report for at least the first stakeholder;   sending the stakeholder report to the first stakeholder.   
     
     
         13 . The method of  claim 12 , further comprising:
 receiving information regarding the commercial transaction from the second stakeholder;   determining that the commercial transaction has a level of fraud risk that exceeds the acceptable fraud risk threshold.   
     
     
         14 . The method of  claim 12 , further comprising:
 obtaining cardholder confirmation of the unacceptable fraud risk;   timely confirming unacceptable fraud risk for the commercial transaction using the cardholder confirmation.   
     
     
         15 . The method of  claim 12 , further comprising:
 obtaining analytical confirmation of the unacceptable fraud risk;   timely confirming unacceptable fraud risk for the commercial transaction using the analytical confirmation.   
     
     
         16 . The method of  claim 12 , further comprising:
 obtaining a fraud risk assessment from an assessor;   timely confirming unacceptable fraud risk for the commercial transaction using the fraud risk assessment.   
     
     
         17 . The method of  claim 12 , further comprising generating the assessor-confirmed fraud alert using cardholder confirmation of the fraud risk. 
     
     
         18 . The method of  claim 12 , further comprising generating the assessor-confirmed fraud alert using analytical confirmation of the fraud risk. 
     
     
         19 . The method of  claim 12 , wherein the second stakeholder performs countermeasures, further comprising receiving the feedback from the second stakeholder. 
     
     
         20 . The method of  claim 12 , further comprising indicating that the second stakeholder stopped loss related to the commercial transaction in the stakeholder reports.