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United States of America Patent
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Mar 9, 2010
Grant Date -
Mar 29, 2007
app pub date -
Aug 24, 2006
filing date -
Sep 17, 2004
priority date (Note) -
In Force
status (Latency Note)
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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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