Patent ID: 11887125
Assignee: BLACKHAWK NETWORK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 13:
14. A system for detecting fraud, comprising:
a non-transitory memory;
a processor;
and at least one application executable by the processor, wherein the at least one application is in communication with a data store, wherein the at least one application is executed by the processor and causes the processor to:
receive a request to use a stored-value card from a requesting party wherein the request is associated with at least one artifact of a plurality of artifacts;
determine the least one artifact of the plurality of artifacts is on a banned artifacts list,
determine, in response to determining that the least one artifact of the plurality of artifacts is on a banned artifacts list or that a risk score associated with the at least one artifact of the plurality of artifacts is at or above a risk threshold and the risk threshold is dynamically updated based on real-time system received data, that the request is not associated with the stored-value card;
in response to the determination that the request is not associated with the stored-value card, the at least one application executed by the processor causes the processor to decline to process the request, and instead perform an alternate environment transaction which appears to the requesting party as a processing of the request, wherein alternate environment comp rises a dummy website; and
update a profile associated with the requesting party based upon declining to process the request, wherein updating the profile comprises updating the risk score.