Patents
US 12743697 B2: Implementing fraud controls on a hybrid network
- Granted
- 2026-09-22
- Filed
- 2019-02-15 application 16277156
- Type
- Utility · 6 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
A computer implemented method of assessing the probability of fraudulent activity in an account to account payment is provided. The method comprises determining, based on previous credit balance settlement transactions between a first account and a card settlement account, that a first set of payment credentials is associated with the first account. It is determined that a second set of payment credentials are associated with the merchant account. A database comprising historical data indicating details of past payment transactions between the holder of the first set of payment credentials to the holder of the second set of payment credentials is accessed. A fraud probability engine is used to generate, based on the historical data, a fraud probability value for a transaction from a first account to a second account, wherein the fraud probability value is an estimate of the probability of the transaction being fraudulent.
Source: PTBLXML, file of 2026-09-22 (ipgb20260922.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| MASTERCARD INTERNATIONAL INCORPORATED 2,394 patents | US company or organization | Purchase, NY | PTBLXML, file of 2026-09-22 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Peter Groarke | Dublin, IE | 45 | PTBLXML, file of 2026-09-22 | |
| Ionut Nistor | Dublin, IE | 2 | PTBLXML, file of 2026-09-22 | |
| Ahmed Hosny | Dublin, IE | 19 | PTBLXML, file of 2026-09-22 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/4016 | PTBLXML, file of 2026-09-22 |
| G06F | Electric digital data processing | G06F17/18 | PTBLXML, file of 2026-09-22 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.