Web Acceleration Server Pseudo Authorization Message Fraud Detection
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Solution Overview
Problem
Current systems for authorizing transaction requests often fail to effectively identify fraudulent activities due to the lack of automated transmission of enhanced authorization data by merchants, which could improve fraud identification.
Innovation Solution
The system involves a web acceleration server that receives purchase information from a web client, creates a pseudo authorization message combining purchase information and enhanced authorization data, and transmits it directly to a transaction account issuer, bypassing the merchant server, allowing for enhanced fraud assessment.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If merchants manually submit additional information (email, telephone, address) with authorization requests, then fraud identification capability is improved, but device complexity and operational burden increase
Solution Approach 1:
The system enables self-service by automatically capturing enhanced authorization data (email, telephone, address, IP address) from web clients during the checkout process without requiring merchant intervention. The web acceleration server autonomously extracts and transmits this data to the transaction account issuer, eliminating the need for merchants to manually collect and submit additional information.
Solution Approach 2:
The system performs preliminary action by capturing and preparing enhanced authorization data in advance during the web checkout process, before the actual authorization request is submitted. The web acceleration server intercepts and stores customer information (email, telephone, address, IP address) during the purchase flow, so that when the authorization request is generated, the enhanced data is already ready for transmission.
2Measurement precision
If merchants automatically transmit enhanced authorization data, then fraud assessment accuracy is improved, but ease of operation deteriorates due to lack of merchant capability
Solution Approach 1:
The web acceleration server acts as an intermediary between the web client and the merchant server. It captures enhanced authorization data from the web client, creates a pseudo authorization message with this data, and transmits it directly to the transaction account issuer, bypassing the need for the merchant server to have automated transmission capabilities. This intermediary approach enables fraud assessment accuracy improvement without requiring enhanced merchant operational capability.
3Reliability
If additional enhanced authorization data is collected and transmitted, then risk assessment quality is improved, but loss of time in data transmission increases
Solution Approach 1:
The system performs preliminary action by capturing all enhanced authorization data (email, telephone, address, IP address) during the web checkout process before the authorization request is submitted. The web acceleration server stores this data in advance, so when the pseudo authorization message needs to be transmitted, the data is already prepared and ready, minimizing additional transmission time while maintaining high risk assessment quality.
Data Source
AI summary
A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.