Patent ID: 11893586
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for processing electronic payment transactions, comprising:
generating, with at least one processor of an issuer computing system, a plurality of fraud detection rules comprising at least one automatic decline fraud detection rule and a first case creation fraud detection rule;
electronically communicating the plurality of fraud detection rules to a rules processor associated with a computing device of a case management system;
storing, with the at least one processor, in a fraud rules database associated with the computing device of the case management system, the plurality of fraud detection rules;
receiving, with the at least one processor of the issuer computing system, a plurality of transaction requests, wherein the requests comprise requests to authorize transactions initiated in real time by a computing device associated with one or more merchants;
determining, with the at least one processor of the issuer computing system, whether to authorize each transaction request of the plurality of transaction requests based on the rules processor processing each transaction based on the plurality of fraud detection rules, wherein the rules processor is caused to:
determine whether each transaction satisfies the first case creation fraud detection rule or the at least one automatic decline fraud detection rule,
generate a case record for each transaction determined to satisfy the first case creation fraud detection rule, wherein each case record indicates that its respective transaction requires further analysis to determine if the transaction is fraudulent,
automatically decline each transaction determined to satisfy the at least one automatic decline fraud detection rule, and store the case record for each transaction determined to satisfy the first case creation fraud detection rule in a fraud processing queue such that the fraud processing queue comprises a first plurality of queued transactions that were not automatically declined and have not been authorized, the first plurality of queued transactions corresponding to a first plurality of case records, wherein each case record is stored in a data structure;

generating, with the at least one processor of the issuer computing system, at least one second fraud detection rule comprising a second case creation fraud detection rule that supersedes the first case creation fraud detection rule; and
communicating in real time the at least one second fraud detection rule to the rules processor before the first plurality of queued transactions are further analyzed, the at least one second fraud detection rule configured to cause the rules processor to:
determine whether each case record in the fraud processing queue satisfies the second case creation fraud detection rule,
delete each case record in the fraud processing queue that does not satisfy the second case creation fraud detection rule, and
further analyze the remaining case records in the fraud processing queue that are not deleted.