Patent ID: 9569779
Date: 2017-02-14
CPC Classifications: G06Q

Claim:
1. A method of facilitating fraud detection, said method comprising: based on an initiated payment card transition to be remotely electronically authorized by at least one server of a payment card transaction processing center, the at least one server being at least one computer system, obtaining from a request from the at least one server of the payment card transaction processing center, by a personal electronic device of a user, the personal electronic device comprising a processor, information relating to the initiated payment card transaction; gathering, by the personal electronic device, personal data of the user accessible by the personal electronic device; providing, by the personal electronic device, access to the personal data, the access being access by an application installed on the personal electronic device, for use in electronic approval determinations for payment card transactions, wherein the access by the application to the personal data is controlled by privacy rules of the user and comprises the application tracking personalized information for the user, and wherein the personal data remains unknown to the at least one server of the payment card transaction processing center; evaluating, by the personal electronic device using the obtained information, a set of rules personalized for the user and available on the personal electronic device, the evaluating to determine whether the initiated payment card transaction is to be electronically approved for the user, and the evaluating using the personal data accessible to the personal electronic device and to which the access is provided for determining whether the initiated payment card transaction is to be electronically approved for the user, wherein the application monitors for an inquiry from the processing center, the inquiry comprising the information relating to the initiated payment card transaction, and the application initiates the evaluating based on the monitoring, and wherein the evaluating compares at least some of the information relating to the initiated payment card transaction to at least some of the personal data; and providing by the personal electronic device, based on the evaluating, and in response to the request by the at least one server of the payment card transaction processing center, an initial indication of whether the initiated payment card transaction is to be electronically approved.