Patent ID: 8818882
Filing Date: 2014-08-26
Classification: G06Q

Abstract:
1. A method comprising: receiving, by a reputation validation server computer, a request for providing reputation information about a first alias associated with an entity from a merchant during a transaction with the entity in a first marketplace, wherein the entity uses a payment device to conduct the transaction; searching, by the reputation validation server computer, a database to locate reputation information for the first alias; determining, by the reputation validation server computer, additional aliases associated with the entity; searching, by the reputation validation server computer, for reputation information of the additional aliases; consolidating, by the reputation validation server computer, the reputation information for the additional aliases with the reputation information for the first alias; and providing, by the reputation validation server computer, the consolidated reputation information in the form of a reputation score to the merchant, wherein the reputation score is calculated based at least in part on a transaction risk score and non-transaction information associated with the entity, wherein the transaction risk score is determined by analyzing at least the payment device information to predict a likelihood of success of the transaction based at least in part on a history of chargebacks associated with the entity, and wherein determining whether the entity has additional aliases includes: receiving, by the reputation validation server computer, information about the payment device, a computer device, and a physical location associated with the entity used for the transaction, wherein the payment device includes a credit card or an account held at a financial institution and the physical location includes GPS location of the entity; searching, by the reputation validation server computer, the database for any additional alias whose payment device information, computer device information, and physical location information matches with the entity's information; and associating, by the reputation validation server computer, the additional alias retrieved with the entity upon matching the payment device information, the computer device information, and the physical location information of the additional alias stored in the database with the payment device information, the computer device information, and the physical location information of the entity used for the transaction, wherein the first alias is used in the first marketplace and the additional alias is used in a second different marketplace by the entity for purchase of goods or services in the first marketplace and the second marketplace, respectively.