Methods and systems to identify and control payment fraud

Details Methods and systems to identify and control payment fraud Methods and systems to identify and control payment fraud

G - Physics

06

Q

G06Q 20/00 (2006.01)

Patent

CA 2494097

Methods and systems are provided for processing payments towards a credit account that use historical record information to limit the potential for payment fraud. A history of profile records that extends over a period of time that preceding receipt of a payment is analyzed to determine whether to float the payment. Each of the profile records includes information about the status of the credit account at a particular date within the period of time, such as an account balance for that date and a value for all credited payments made towards the credit account on that date.

L'invention concerne des procédés et des systèmes destinés au traitement de paiements crédités sur un compte de crédit, utilisant des informations contenues dans un historique pour limiter les paiements frauduleux. Le procédé consiste globalement à analyser l'historique des comptes couvrant une période précédant la réception d'un paiement, pour déterminer si le paiement doit être émis. Chacun des historiques contient des informations concernant l'état du compte de crédit à une date donnée comprise dans la période couverte, tel que le solde du compte à cette date et la somme de tous les paiements crédités à cette date sur le compte de crédit.

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