SYSTEM FOR PROTECTION OF PAYMENT SYSTEMS Russian patent published in 2010 - IPC G06F21/06 

FIELD: information technologies.

SUBSTANCE: system comprises controller for analysis of transactions data. Comprises at least one switching network for transfer of transactions data within the limits of one or several facilities of access to data. Data access facilities generate coded information of their identification and coded data of transactions into system of data processing. System of data processing includes user interface communicated with remote access facility. It is connected to controller of data processing system and system for reduction of fraud operations number. Controller via protocol of data exchange is connected to server for storage of data, user interface and system for reduction of fraud operations. Prior to authorisation of transaction, processing in system for reduction of fraud operations number checks personal data of services user. One list is generated with data of payments processed earlier for its benefit. List with receiver data on previously processed transactions for its benefit. List with data of all payment receivers on transactions that were earlier processed by user. Lists are sent to controller of data processing system to compare data on processed payments with data of current payment. Availability of similar payments is analysed (by sums, essentials) for the benefit of this receiver from other payers. Availability of similar receivers on earlier made payments of user, which make it possible to cash funds, frequency and sums of such payments. Availability of payments for the benefit of this user and assessment of current payment for the benefit of specified receiver for the possibility of further cashing of payment funds by user. Compliance and consistency of current payment parametres (user, receiver, technical data, etc.) broken down by various characteristics on the basis of accumulated data on receiver on all earlier made transactions. Availability of transactions with payments for the benefit of payer on payment of current transaction, which are later recognised as fraud. In case data is available to reject authorisation of user transaction, system for reduction of fraud operations number sends rejection of transaction permission sends via communication network into controller of data processing system and/or access facility.

EFFECT: creation of additional system for reduction of fraud operations number when working with payment systems.

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