Patent ID: 9519902
Filing Date: 2016-12-13
CPC Classification: G06F,G06Q

Claim Text:
1. A system comprising: a first server located at a first locale and routing a first series of purchase transaction requests for a payment service; a second server located at a second locale and routing a second series of purchase transaction requests for said payment service; a central database that is remote from said first and second locales and stores transaction data of said first and second series of purchase transaction requests; a distributed cache that is connected to said central database and stores and synchronizes a set of transaction details across said first and second locales, rather than at said central database; and a risk service operating at said first locale and having access to said set of transaction details from said distributed cache at said first locale without accessing said central database; wherein said risk service generates a fraud warning based on a result of a comparison of at least one transaction detail in said set of transaction details and at least one transaction detail of a new purchase transaction request received at said first server.