Enriching transaction request data for improving fraud prevention systems on a data communication network with user controls injected to back-end transaction approval requests in real-time with transactions

Abstract

Raw merchant data of real-time ISO transactions is enriched with normalized merchant data, including a normalized merchant name, a normalized merchant location, by transmitting the raw merchant data to an external resource and receiving the normalized raw merchant data from the external resource. An authorization request from a real-time ISO transaction concerning a specific mobile user can be initiated by a specific merchant device at a merchant location. A user location is obtained and utilized to identify enriched merchant data. It is the enriched merchant data that is used for deciding whether to approve or deny a transaction with more accuracy.

We claim: 
     
         1 . A data enrichment server device for improving a fraud prevention system on a data communication network by injecting user controls to back-end transaction approval requests in real-time with transactions, the method comprising:
 a processor;   a network communication interface, communicatively coupled to the processor, to receive from a transaction approval system and in real-time with a transaction remotely occurring between a transaction-initiating device and a mobile account holder device, a fraud recommendation request responsive to a specific authorization request having data fields formatted according to a protocol format, and submitted by the transaction-initiating device to the transaction approval system, wherein the transaction-initiating device controls values within the data fields of the specific authorization request,   wherein the processor requests through the network communication interface from the mobile account holder device authenticated by a user, a current geo-location independent of a location provided by the transaction-initiating device, and receives a response from the mobile account holder device, and   a location-based index of normalized merchant data, stored in a memory communicatively coupled to the processor, to augment the raw merchant data of the specific authorization request with enriched merchant data stored in the location-based index, by searching according to the current geo-location and raw merchant data, wherein the processor parses raw merchant data from data fields of the specific authorization request using the protocol format as a template for specific offsets of the data fields,   wherein the processor applies user transaction controls to the specific authorization request, the user transaction controls being pre-configured by the user of the mobile account holder device and identified by the enriched merchant data,   wherein responsive to the user transaction controls, the processor sends a fraud recommendation response to the approval system, in real time with the transaction.   
     
     
         2 . The data enrichment server of  claim 1 , wherein the user transaction controls associated with the enriched merchant metadata are distinct from transaction controls associated with raw merchant data. 
     
     
         3 . The data enrichment server of  claim 1 , wherein the user transaction controls for a card present transaction are distinct from user controls for a card not present transaction. 
     
     
         4 . The data enrichment server of  claim 1 , wherein:
 the processor determines a current location of the transaction-initiating device from the raw merchant data parsed from the authorization request,   wherein responsive to identifying a mismatch between the current geo-location of the account holder device and the current location of the transaction-initiating device, the processor sends the fraud recommendation response to the approval system in real-time with the transaction to the specific authorization request with a denial recommendation.   
     
     
         5 . The data enrichment server of  claim 1 , wherein:
 responsive to a cache miss with respect to the location-based index, the processor retrieves enriched merchant data from an external data source based on the geo-location of the account holder device and the raw merchant data; and   the processor updates the location-based index by storing the enriched merchant data in the location-based index.   
     
     
         6 . The data enrichment server of  claim 1 , wherein the enriched merchant data includes a normalized merchant name associated with a plurality of raw merchant names, and a normalized merchant address associated with a plurality of raw merchant addresses. 
     
     
         7 . The data enrichment server of  claim 1 , wherein:
 a data learning engine stored in the memory generates the location-based index of merchant data from a batch of historical transactions with the transaction approval system, prior to the real-time transaction.   
     
     
         8 . The data enrichment server of  claim 1 , wherein the transaction approval system comprises an ISO transaction approval system and the transaction comprises an ISO (International Organization for Standardization) 8583 transaction, and the authorization request comprises an ISO 8583 authorization request. 
     
     
         9 . The data enrichment server of  claim 1 , wherein the data enrichment server authorizes the account holder device independent of the transaction approval system and the transaction-initiating device, prior to the real-time transaction. 
     
     
         10 . The data enrichment server of  claim 1 , wherein the processor establishes a secure channel connection with the mobile account holder device.