Fraud analyst smart cookie

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2006-04-26

2009-06-09

Labaze, Edwyn (Department: 2887)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S375000, C235S382000

Reexamination Certificate

active

07543740

ABSTRACT:
A fraudulent business transaction application (FBTA) is provided in embodiments of the present invention for monitoring fraudulent transactions. When a consumer supplies account access information in order to carry out an Internet business transaction, the FBTA uses an online fraud mitigation engine to detect phishing intrusions and identity theft. Embodiments are also provided for calculating travel velocity and transaction frequency, which are useful for determining a fraudulent transaction. Further embodiments are provided for authenticating a transaction using a cookie stored on a client device and a behavior profile stored on a server.

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