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

Claim 8:
9. A method of detecting fraud, comprising:
receiving, by an application stored in a non-transitory memory and executed by a processor, a request from a requesting party to at least one of view a merchant website and engage in a transaction using a stored-value card, wherein the request is associated with a risk score and a risk threshold, wherein the non-transitory memory is in communication with at least one data store, wherein a plurality of profiles are stored on the at least one data store, and wherein the request is associated with an artifact, wherein the artifact comprises at least one of a profile, a key, a fingerprint, and a digital fingerprint;
determining, by the application executed by the processor, that the requesting party is not approved for the transaction based upon at least one of (i) a determination that the requesting party is not associated with the stored-value card and (ii) a determination that the requesting party is on the banned access list, wherein the determination that the requesting party is not associated with the stored-value card is based on one of a profile of the plurality of profiles that is associated with the requesting party and a profile associated with the stored value card;
declining, by the application executed by the processor, to process the request, based on the determining by the application that at least one of (i) the requesting party is not associated with the stored-value card and (ii) the requesting party is on the banned access list, and instead performing an alternate environment transaction which appears to the requesting party as a processing of the request, wherein alternate environment comprises a dummy website; and
updating, by the application executed by the processor, the profile associated with the requesting party based upon declining to process the request, wherein updating the profile comprises updating the risk score and wherein the risk threshold is dynamically updated based on real-time system received data.