Abstract:
A method, a non-transitory computer readable medium with computer executable instructions stored thereon, and a fraud prevention processor each prevent electronic fraud. An electronic communication is received from a resource via a network and it is determined whether the electronic communication includes a premium amount. When the electronic communication includes the premium amount, a difference between this premium amount and a captured premium amount received from a consumer is determined, and when the difference is greater than a predefined threshold, an alert is generated and sent to the consumer indicating the difference.

Description:
BACKGROUND 
       [0001]    Electronic fraud has become increasingly prevalent over the past several years. One area where it is especially prevalent is with regard to the procurement of goods and services. For example, a consumer may remunerate a resource for a product and/or service, such as a meal at a restaurant, using a card or electronic device to initiate an electronic communication. At that time, the consumer may add a premium amount to the indicated sub-total. The resource finalizes the electronic communication by adding the premium amount to the sub-total to form a finalized total amount. 
         [0002]    The consumer does not typically receive confirmation of the finalized total amount until at least the following day, or more likely until the end of a processing period for an account associated with the card or electronic device. Thus, the consumer rarely checks whether the correct premium amount was added by the resource to the electronic communication, and is thus unaware of incorrectly entered premium amounts. Where the resource knowingly inflates the premium amount (and thus the finalized total amount) beyond that which the consumer authorized, this is very undesirable for the consumer and may even constitute fraud. 
       SUMMARY 
       [0003]    In an embodiment, a method prevents electronic fraud. A fraud prevention processor receives, via a network, an electronic communication from a resource. The fraud prevention processor determines whether the electronic communication includes a premium amount. When the electronic communication includes the premium amount, a difference between the premium amount and a captured premium amount received from a consumer is determined, and when the difference is greater than a predefined threshold, an alert is generated and sent to the consumer indicating the difference. 
         [0004]    In another embodiment, a non-transitory computer readable medium has computer executable instructions stored thereon. The computer executable instructions are executed by a processor to perform the method of electronic fraud prevention. A fraud prevention processor receives, via a network, an electronic communication from a resource such as a merchant, though embodiments also envision the resource to be a service provider such as a cab driver, or the like. The fraud prevention processor determines whether the electronic communication includes a premium amount. When the electronic communication includes the premium amount, a difference between the premium amount and a captured premium amount received from a consumer is determined, and when the difference is greater than a predefined threshold, an alert is generated and sent to the consumer indicating the difference. 
         [0005]    In another embodiment, a fraud prevention processor prevents electronic fraud. The fraud prevention processor includes a processor, and a memory communicatively coupled with the processor and storing machine readable instructions. The machine readable instructions, when executed by the processor, are capable of: receiving, via a network, an electronic communication from a merchant; determining, within the fraud prevention processor, whether the electronic communication includes a premium amount; and when the electronic communication includes the premium amount: determining a difference between the premium amount and a captured premium amount received from a consumer; and when the difference is greater than a predefined threshold, generating and sending an alert to the consumer indicating the difference. 
     
    
     
       BRIEF DESCRIPTION OF THE FIGURES 
         [0006]      FIG. 1  shows one exemplary system for electronic fraud prevention, in an embodiment. 
           [0007]      FIG. 2  shows the fraud prevention processor of  FIG. 1  in further exemplary detail, in an embodiment. 
           [0008]      FIG. 3  is a flowchart illustrating one exemplary method for electronic fraud prevention, in an embodiment. 
           [0009]      FIG. 4  is a flowchart illustrating one exemplary sub-method for premium validation during the method of  FIG. 3 , in an embodiment. 
           [0010]      FIG. 5  is a flowchart illustrating one exemplary method for electronic fraud prevention by interacting with a consumer, in an embodiment. 
           [0011]      FIG. 6  shows the premium capture device of  FIG. 1  in further exemplary detail, in an embodiment. 
       
    
    
     DETAILED DESCRIPTION OF THE EMBODIMENTS 
       [0012]    A fraud prevention processor and associated components and processes operate to detect fraud within an electronic communication from a resource, where the electronic communication may include a premium amount. In embodiments, after completing a receipt associated with the procurement of goods or services, a consumer sends the premium amount entered on the receipt to the fraud prevention processor. The fraud prevention processor then automatically validates the electronic communication when it is finalized by and received from the resource, by comparing the premium amount within the resource&#39;s electronic communication against the premium amount sent by the consumer. Where the premium amount in the resource&#39;s communication is greater than the premium amount received from the consumer, the fraud prevention processor may automatically initiate an arbitration process to resolve the discrepancy. Consequently, embodiments mentioned herein improve and enhance the field of electronic fraud prevention. 
         [0013]    Where the consumer has not already provided a premium amount for an electronic communication from a resource that includes a premium amount, the fraud prevention processor sends information of the electronic communication to the consumer, such that the consumer may validate the premium amount within the resource&#39;s communication. 
         [0014]    The fraud prevention processor operates to improve electronic communication processing by automatically identifying fraud related to a premium amount (e.g., a gratuity or tip) added to an electronic communication indicative of a transaction between the consumer and the resource. (In embodiments, the resource, can be a merchant (as discussed in exemplary fashion below) though can also be a service provider such as a cab driver, or the like.) Such improvement benefits the customer by automatically detecting previously unchecked fraud in electronic communications. By automatically checking premium amounts in electronic communications, such fraud is preventable or at least detectable which allows further action to be taken. When a discrepancy in premium amounts is detected, arbitration between the card association and the merchant, or between the merchant and the consumer, may be automatically started, or initiated by the consumer. The fraud prevention processor improves service of the card association and thereby attracts consumers wishing to have such fraud prevention on future communications to use financial cards of the card association. 
         [0015]      FIG. 1  shows one exemplary system  100  for electronic fraud prevention.  FIG. 2  shows a fraud prevention processor  102  of system  100  of  FIG. 1  in further exemplary detail.  FIGS. 1 and 2  are best viewed together with the following description. 
         [0016]    System  100  includes fraud prevention processor  102  that is illustratively shown operating within a card association  120  that is part of a payment network  122 . Card association  120  may represent one of: MasterCard®, Visa®, American Express®, and so on, where payment network  122  represents one of the MasterCard® payment network, the Visa® payment network, and the American Express® payment network, respectively. Embodiments shown herein may be used for electronic fraud prevention of four party transactions as handled by MasterCard® and Visa®, and three party transactions as handled by American Express®, for example. 
         [0017]    Card association  120 , via payment network  122 , interacts with a merchant acquirer  130  and a card issuer  140  as found in conventional card processing services. 
         [0018]    As shown in  FIG. 2 , fraud prevention processor  102  includes a processor  202  and memory  204  that illustrate exemplary implementation of fraud prevention processor  102  on a conventional computer server. Memory  204  is illustratively shown storing software  206  having machine readable instructions that are executed by processor  202  to implement functionality of fraud prevention processor  102 . Software  206  includes a premium detector  104 , a premium validator  106 , an alert generator  108  and an arbitration initiator  110 . However, processor  202 , memory  204 , and software  206  may reside (in whole or part) on other servers within card association  120  and/or within merchant acquirer  130  and/or within card issuer  140  without departing from the scope hereof. 
         [0019]    A consumer  160  has a financial account with a financial institution (e.g., a bank or credit union—not shown) that is associated with card issuer  140 , wherein card issuer  140  issues a card  142  to consumer  160 , who may thus be call a cardholder. Card  142  may be a physical card, such as a credit card and a debit card, or may represent an electronic wallet, such as MasterCard® MasterPass® or the like. 
         [0020]    Consumer  160  uses card  142  to purchase goods and/or services at a merchant  150 , thereby initiating a communication to initiate a financial transaction between merchant  150  and consumer  160  for the purchase. Electronic communication  170  is a data record within memory  204  of fraud prevention processor  102  that contains information of the financial transaction as provided by merchant  150  in the communication. Electronic communication  170  may result from a plurality of distinct steps, including: an authorization request  152  that includes information of card  142  and a sub-total amount sent from merchant  150 , via merchant acquirer  130  and payment network  122 , to card association  120 ; an authorization approval  154  that is sent from card association  120 , via payment network  122  and merchant acquirer  130  to merchant  150 ; and a final confirmation  156  that is sent from merchant  150  to card association  120  via merchant acquirer  130  and payment network  122 . Card association  120  may interact with card issuer  140  to validate the information within authorization request  152  prior to issuing authorization approval  154 . 
         [0021]    When paying merchant  150 , consumer  160  may add a premium amount  184  (e.g., a gratuity or tip) to a receipt  180 , which merchant  150  includes within final confirmation  156 . For example, where merchant  150  is a restaurant that provided a meal to consumer  160 , upon receiving receipt  180  with authorized payment for a sub-total amount  182 , consumer  160  may add premium amount  184  and a total amount  186  to receipt  180  when signing as authorization for the payment. Final confirmation  156 , with the corresponding total amount  186 , is typically submitted to merchant acquirer  130  sometime after consumer  160  has left the premises of merchant  150 . To verify that the correct total amount was entered by merchant  150 , one option for consumer  160  is to wait to check the corresponding entry on a statement issued for card  142  against receipt  180 . However, consumers often forget or do not bother to check such payments, trusting that the merchant sends final confirmation  156  with the correct premium amount. 
         [0022]    Rather than waiting to check the receipt against a statement, embodiments herein provide that consumer  160  uses a premium capture device  162  to capture premium amount  184 , as entered on receipt  180 , and then sends a captured premium message  164  containing at least a representation of premium amount  184 , to fraud prevention processor  102  via a portal  114 . Premium capture device  162  communicates with fraud prevention processor  102  via portal  144  and may use one or more of payment network  122 , the Internet, a cellular network, and a wireless network. Fraud prevention processor  102  stores information (e.g., premium amount  184 ) of captured premium message  164  within captured data  190  (e.g., as captured premium amount  194 ) as shown. In one embodiment, premium capture device  162  is a smartphone of consumer  160  running a fraud prevention app (see fraud prevention app  606  of  FIG. 6 ) that operates to receive input (e.g., typed, spoken, and/or visual) from consumer  160  containing at least premium amount  184 . Premium capture device  162  may represent other similar devices, such as devices selected from the group including: a tablet computer, a personal digital assistant, a notebook computer, and a desktop computer. In certain embodiments, captured premium message  164  is sent from premium capture device  162  to fraud prevention processor  102  as one or more of an email message, a text message, a voice message, and a secure data transfer. 
         [0023]    In one example of operation, consumer  160  activates fraud prevention app  606  on premium capture device  162  and speaks a premium amount corresponding to premium amount  184 , wherein captured premium message  164  contains a representation of the audio. In another example of operation, consumer  160  activates fraud prevention app  606  on premium capture device  162  and types a value corresponding to premium amount  184 , wherein captured premium message  164  contains the value. In another embodiment, consumer  160  operates premium capture device  162  running fraud prevention app  606  to capture an image of receipt  180  when completed with premium amount  184 , wherein the captured image may be run through an optical character recognition (OCR) process to determine the premium amount written or typed on the physical receipt. 
         [0024]    Premium capture device  162  then sends captured premium message  164  containing the representation (i.e., one of a value, an audio representation, and an image representation) of premium amount  184  to fraud prevention processor  102  via portal  114 . Accordingly, as shown in  FIG. 2 , captured data  190  may include one or more of captured consumer ID  191 , a captured sub-total amount  192  (as recognized from the image of receipt  180 ), captured premium amount  194 , a captured total amount  196  (as recognized from the image of receipt  180 ), a captured merchant ID  197  (as recognized from the image of receipt  180 ), a captured communication ID  198  (as recognized from the image of receipt  180 ), and a captured date/time  199  (as recognized from the image of receipt  180 ). Fraud prevention processor  102  utilizes some or all information within captured data  190  when detecting fraud within electronic communication  170 . 
         [0025]    Portal  114  is addressable via the Internet for example to allow access by premium capture device  162 . In one embodiment, portal  114  is part of card association  120  and/or payment network  122 . In another embodiment, portal  114  is part of card issuer  140 . In another embodiment, portal  114  is part of merchant acquirer  130 . 
         [0026]    Card association  120  receives authorization request  152  and final confirmation  156  from merchant  150  via merchant acquirer  130  and payment network  122 . Using one or both of authorization request  152  and final confirmation  156 , premium detector  104  of fraud prevention processor  102  determines whether electronic communication  170  includes a premium amount. In one embodiment, premium detector  104  determines communication premium amount  174  (i.e., the amount of the premium the merchant has indicated it is entitled to) from final confirmation  156 . In another embodiment, premium detector  104  determines communication premium amount  174  by subtracting a sub-total amount of authorization request  152  from a total amount of final confirmation  156 . 
         [0027]    Fraud prevention processor  102  may also include a list of excluded merchant types  230  corresponding to merchants that do not include premium amounts in electronic communication  170 , even though the communication sub-total amount  172  is less than the communication total amount  176 . For example, excluded merchant types  230  may include gas station merchant types. In particular, a gas station merchant type sends authorization request  152  and receives authorization approval  154  before gas is pumped, and thus before communication total amount  176  is known. Thus, for gas station merchant types, the difference between communication total amount  176  and communication sub-total amount  172  reflects the cost of the gas beyond the amount (e.g., $1) included in authorization request  152 . Thus, gas stations merchant types may be excluded from further processing by fraud prevention processor  102 . Merchant types other than gas stations may be excluded for similar reasons. If premium detector  104  determines that communication merchant ID  177  is of a merchant type listed in excluded merchant types  230 , then premium detector  104  determines that electronic communication does not include a premium amount. 
         [0028]    Where electronic communication  170  includes a premium amount, premium validator  106  within software  206  of fraud prevention processor  102  validates that premium amount with customer  160 . In one embodiment, premium validator  106  subtracts captured premium amount  194  (as received/captured from the consumer  160 ) from communication premium amount  174  (as received from the merchant) to determine a discrepancy value  116 . If the discrepancy value is greater than discrepancy threshold  226 , fraud prevention processor  102  invokes alert generator  108  to generate and send a fraud alert message  109  to notify consumer  160  of the discrepancy. In one example, discrepancy threshold is zero, such that where communication premium amount  174  is inflated, as compared to captured premium amount  194 , premium validator  106  indicates potential fraud. In embodiments, premium validator  106  also invokes arbitration initiator  110  to begin an arbitration process for electronic communication  170  between merchant  150  and consumer  160 . Such arbitration for electronic payments relating to card purchases is known in the art and is not described further herein. 
         [0029]    Fraud prevention processor  102  implements a service for fraud prevention of premium amounts added to electronic communications. Consumer  160  enrolls, through card issuer  140  and/or card association  120  for example, to use this service. In embodiments, consumer  160  specifies that communications only from certain merchants  150  and/or merchant types  220  (e.g., restaurants, dog groomers, etc.) are to be validated for fraud prevention. Consumer  160  may also define an activation threshold  224  such that only communications having communication premium amount  174  greater than activation threshold  224  are validated. Consumer  160  may also specify a discrepancy threshold  226  such that only communications having a premium discrepancy greater than discrepancy threshold  226  are reported and/or arbitrated. In another embodiment, activation threshold  224  may refer to the total communication amount (e.g., communication total amount  176 ), such that when electronic communication  170  has a total value less than activation threshold  224 , it is not checked for fraud. For example, where activation threshold  224  is set to $10, only communications having a total value (e.g., communication total amount  176 ) greater than $10 are evaluated for fraud prevention. In one embodiment, discrepancy threshold  226  is defined by card association  120 , and in other embodiments the discrepancy threshold is defined by consumer  160 . For example, card association  120  may assume responsibility and/or cost for discrepancies less than one dollar, thereby setting discrepancy threshold  226  to the value one such that electronic communication  170  having a discrepancy value  116  less than one dollar do not initiate arbitration. 
         [0030]    In one embodiment, where consumer  160  specifies, within merchant types  220 , a merchant type (e.g., gas station merchant type) that also appears within excluded merchant types  230 , fraud prevention processor  102  issues a warning to consumer  160  indicating that fraud protection for that merchant type is not possible. In an alternate embodiment, where consumer  160  specifies, within merchant types  220 , a merchant type (e.g., gas station merchant type) that also appears within excluded merchant types  230 , fraud prevention processor  102  overrides the excluded merchant types  230  and implements fraud protection for the specified merchant type. 
         [0031]      FIG. 3  shows one exemplary method  300  for electronic fraud prevention. Steps  302  through  310  of method  300  are implemented using premium detector  104  of fraud prevention processor  102  of  FIGS. 1 and 2  and steps  312  through  318  of method  300  are implemented within premium validator  106 , for example. 
         [0032]    In step  302 , an electronic communication from a merchant  150  is received. In one example of step  302 , fraud prevention processor  102  receives authorization request  152  and/or final confirmation  156 , or information therefrom and relating to electronic communication  170 . In step  304 , method  300  determines whether the communication includes a premium amount. In one example of step  304 , premium detector  104  subtracts communication sub-total amount  172  from communication total amount  176  to determine communication premium amount  174 . When premium detector  104  determines that communication premium amount  174  is greater than activation threshold  224 , that the merchant type is included within merchant types  220 , and that the merchant type is not included within excluded merchant types  230 , then premium detector  104  determines that electronic communication  170  includes a premium amount. 
         [0033]    Step  306  is a decision. If, in step  306 , method  300  determines that a premium amount is included within electronic communication  170 , method continues with step  308 ; otherwise method  300  terminates. 
         [0034]    In step  308 , method  300  determines if the consumer is registered for fraud prevention. In one example of step  308 , premium detector  104  determines whether consumer  160 , identified within electronic communication  170 , has associated registration data  112 . 
         [0035]    Step  310  is a decision. If, in step  310 , method  300  determines that consumer  160  is registered for fraud prevention, method  300  continues with step  312 ; otherwise method  300  terminates. 
         [0036]    In step  312 , method  300  invokes sub-method  400  of  FIG. 4  (described below) to validate the premium amount within the electronic communication and identify potential fraud, wherein sub-method  400  returns an indication of validity. 
         [0037]    In embodiments, step  313  records the communication, the premium amount, and the validity. In one example of step  313 , premium detector  104  records electronic communication  170 , communication premium amount  174 , and discrepancy value  116  to a database  118 . 
         [0038]    Step  314  processes a decision. If, in step  314 , method  300  determines that the communication is potentially fraudulent, method  300  continues with step  316 ; otherwise method  300  terminates. 
         [0039]    In step  316 , method  300  generates a consumer alert. In one example of step  316 , premium validator  106  invokes alert generator  108  to send fraud alert message  109  to premium capture device  162  of consumer  160  indicating the discrepancy with communication premium amount  174  and/or communication total amount  176 . 
         [0040]    In embodiments, step  318  initiates an arbitration process to resolve the discrepancy. In one example of step  318 , premium validator  106  invokes arbitration initiator  110  to start conventional payment dispute resolution proceedings (i.e., an arbitration process) between merchant  150  and consumer  160  within card association  120  for electronic communication  170 . Method  300  then terminates. Method  300  repeats for each electronic communication  170  (e.g., authorization request  152  and/or final confirmation  156 ) received within fraud prevention processor  102 . 
         [0041]      FIG. 4  shows one exemplary sub-method  400  that is invoked from step  312  of method  300 ,  FIG. 3 , for validating a premium amount within an electronic communication. Sub-method  400  is implemented within premium validator  106  of fraud prevention processor  102  for example. 
         [0042]    In step  402 , the premium amount from the consumer is received. In one example of step  402 , premium validator  106  receives captured premium message  164 , containing information of at least a captured consumer ID  191  and captured premium amount  194 , from premium capture device  162  via portal  114 . 
         [0043]    In the embodiment where premium capture device  162  captures an image of receipt  180  and sends that image within captured premium message  164 , steps  404  through  408  can be included to process captured premium message  164 . In step  404 , sub-method  400  processes the image to determine the captured premium amount. In one example of step  404 , premium validator  106  uses OCR to process the image within captured premium message  164  to determine captured premium amount  194 . In step  406 , sub-method  400  processes the image to determine a communication ID. The communication ID may uniquely identify electronic communication  170  and is typically printed, at least in part, upon receipt  180 . In one example of step  406 , premium validator  106  uses OCR to process the image within captured premium message  164  to determine captured communication ID  198 . In step  408 , sub-method  400  processes the image to determine the captured date/time. In one example of step  408 , premium validator  106  uses OCR to process the image within captured premium message  164  to determine captured date/time  199 . 
         [0044]    In the embodiment where captured premium message  164  contains an audio representation of the captured premium amount, premium validator  106  implements steps (not shown) for automatically transcribing the audio to determine captured premium amount  194  and may determine a date/time reference based upon a date and time of the audio recording by consumer  160 , wherein that date and time is assumed to correspond to communication date/time  179  of electronic communication  170 . 
         [0045]    In step  410 , sub-method  400  correlates the captured premium amount to the electronic communication  170 . That is, upon receiving captured data  190 , sub-method  400  determines and/or selects the corresponding electronic communication  170  within card association  120  for validating the premium amount. In one example of step  410 , premium validator  106  correlates one or more of captured consumer ID  191 , captured merchant ID  197 , captured communication ID  198  and captured date/time  199 , against one or more of communication card ID  171 , communication merchant ID  177 , communication ID  178  and communication date/time  179  when matching captured premium amount  194  to electronic communication  170 . In another example of step  410 , where captured premium message  164  includes captured consumer ID  191  that uniquely identifies consumer  160  and a captured date/time  199 , premium validator  106  matches captured consumer ID  191  to communication card ID  171  of electronic communication  170  and matches captured date/time  199  to communication date/time  179  of electronic communication  170 . This matching process may involve additional translation steps using database tables within one or both of card association  120  and card issuer  140  to determine a match between captured consumer ID  191  and communication card ID  171  for example, without departing from the scope hereof. In another example of step  410 , where captured premium message  164  includes captured communication ID  198 , premium validator  106  matches captured communication ID  198  to communication ID  178  of electronic communication  170 . 
         [0046]    In step  412 , sub-method  400  determines if potential fraud has occurred. In one example of step  412 , premium validator  106  subtracts captured premium amount  194  from communication premium amount  174  to determine a discrepancy value  116 , and if discrepancy value  116  is greater than discrepancy threshold  226 , fraud has potentially occurred. That is, premium validator  106  determines whether communication premium amount  174  within electronic communication  170  is greater than captured premium amount  194  of captured data  190 , and thereby indicates that electronic communication  170  is potentially fraudulent when electronic communication  170  is greater than captured premium amount  194 . 
         [0047]    Step  414  processes a decision. If, in step  414 , sub-method  400  determines that electronic communication  170  is potentially fraudulent, sub-method  400  continues with step  416 ; otherwise, sub-method  400  continues with step  418 . In step  416 , sub-method  400  indicates that there is no fraud to steps  313  and  314  of method  300  and returns control to method  300 . In step  418 , sub-method  400  indicates potential fraud to steps  313  and  314  of method  300  and returns control to method  300 . 
         [0048]    Steps  402  through  408  of sub-method  400  may be performed external to premium validator  106 , such as when captured premium message  164  is first received within fraud prevention processor  102  or may be performed within other components of system  100 , such as within portal  114 , without departing from the scope hereof. 
         [0049]      FIG. 5  is a flowchart illustrating one exemplary method  500  for electronic fraud prevention by interacting with consumer  160 . Method  500  is for example implemented within premium detector  104  of fraud prevention processor  102  of  FIG. 1  and provides an alternative handling of electronic communication  170  when consumer  160  has not sent captured premium message  164 . 
         [0050]    In step  502 , an electronic communication is received. In one example of step  502 , fraud prevention processor  102  receives authorization request  152  and/or final confirmation  156 , or information therefrom and relating to electronic communication  170 . In step  504 , method  500  determines whether the communication includes a premium amount. In one example of step  504 , premium detector  104  subtracts communication sub-total amount  172  from communication total amount  176  to determine communication premium amount  174 . When premium detector  104  determines that communication premium amount  174  is greater than activation threshold  224 , that the merchant type is included within merchant types  220 , and that the merchant type is not included within excluded merchant types  230 , then premium detector  104  determines that electronic communication  170  includes a premium amount. 
         [0051]    Step  506  is a decision. If, in step  506 , method  500  determines that a premium amount is included within electronic communication  170 , method continues with step  508 ; otherwise method  500  terminates. 
         [0052]    In step  508 , method  500  determines if the consumer is registered for fraud prevention. In one example of step  508 , premium detector  104  determines whether consumer  160 , identified within electronic communication  170 , has associated registration data  112 . 
         [0053]    Step  510  is a decision. If, in step  510 , method  500  determines that consumer  160  is registered for fraud prevention, method  500  continues with step  512 ; otherwise method  500  terminates. 
         [0054]    In step  512 , method  500  sends the communication to the consumer for validation. In one example of step  512 , premium detector  104  sends information of electronic communication  170  to premium capture device  162  of consumer  160 , wherein consumer  160  views the information and determines whether communication premium amount  174  is correct. For example, consumer  160  may review receipt  180  to determine whether communication premium amount  174  matches captured premium amount  194 . In another example of step  512 , premium detector  104  sends information of electronic communication  170  via SMS and/or email to consumer  160 . 
         [0055]    In step  514 , method  500  receives the consumer&#39;s response. In one example of step  514 , consumer  160  interacts with premium capture device  162  to indicate whether electronic communication  170  is correct, entering premium amount  184  if it is not correct, wherein premium capture device  162  sends the response to fraud prevention processor  102  via portal  114 . In another example of step  514 , consumer sends a SMS and/or email to fraud prevention processor  102  via portal  114  to indicate whether electronic communication  170  is correct or not. 
         [0056]    Step  516  is a decision. If, in step  516 , method  500  determines that the communication is correct, method  500  terminates; otherwise method  500  continues with step  518 . Step  516  may use other conditions, such as one or both of activation threshold  224  and discrepancy threshold  226  based upon a returned value of premium amount  184 , when determining whether electronic communication  170  is correct. 
         [0057]    In step  518 , method  500  initiates arbitration. In one example of step  518 , premium detector  104  invokes arbitration initiator  110  to initiate an arbitration process between merchant  150  and consumer  160  for electronic communication  170 . As noted above, such arbitration for electronic payments relating to card purchases is known in the art and is not described further herein. 
         [0058]    In embodiments where system  100  records electronic communication  170 , associated communication premium amount  174 , and discrepancies (e.g., discrepancy value  116 ) from captured premium amount  194  to database  118 , system  100  may also provide one or more reports summarizing these electronic communications (e.g., electronic communication  170 ), premium amounts, and discrepancies occurring within a specified period to consumer  160 . For example, system  100  may generate monthly reports summarizing electronic communications, premium amounts, and discrepancy amounts. 
         [0059]      FIG. 6  shows premium capture device  162  of  FIG. 1  in further exemplary detail. As noted above, premium capture device  162  may represent a smartphone of consumer  160  and includes a processor  602  and memory  604  that have a fraud prevention app  606 . Fraud prevention app  606  is for example developed by card association  120  and downloaded by consumer  160  onto premium capture device  162 . Fraud prevention app  606  is implemented as machine readable instructions that are executed by processor  602  to provide the functionality of premium capture device  162  described herein. 
         [0060]    Fraud prevention app  606  includes a premium capture module  608  that operates to capture at least premium amount  184  of receipt  180  and send captured premium message  164  to fraud prevention processor  102  via portal  114 . For example, premium capture module  608  may interact with consumer  160 , providing instructions on capturing premium amount  184  from receipt  180 . 
         [0061]    In certain embodiments, fraud prevention app  606  also includes an interactive validation module  610  that operates to receive electronic communication  170  from fraud prevention processor  102 , via portal  114 , and display relevant information of electronic communication  170  within a fraud prevention graphical user interface (GUI)  642  on a display  640  of premium capture device  162 . Consumer  160  may then select one of a correct button  644  and an incorrect button  646  within GUI  642  to respond to fraud prevention processor  102  regarding the correctness of communication premium amount  174  within electronic communication  170 . In certain embodiments, premium capture module  608  receives a message from fraud prevention processor  102  indicating that authorization request  152  has been received from merchant  150  and uses GUI  642  to actively prompt consumer  160  to enter the corresponding premium amount  184 . That is, fraud prevention processor  102  may control fraud prevention app  606  to request the premium amount for electronic communication  170  from consumer  160  when it has not already been provided. 
         [0062]    In certain embodiments, fraud prevention app  606  displays fraud alert message  109 , received from alert generator  108  via portal  114 , within GUI  642  to alert consumer  160  to potential fraud within electronic communication  170 . In certain embodiment, fraud prevention app  606  may also utilize one or both of an audio generator  620  and a haptic generator  630  of premium capture device  162  to attract the attention of consumer  160  to information displayed within GUI  642 . 
         [0063]    Changes may be made in the above methods and systems without departing from the scope hereof. For example, although fraud prevention processor  102  is shown implemented within card association  120 , fraud prevention processor  102  and/or parts thereof, may be implemented in one or both of merchant acquirer  130  and/or card issuer  140 . In certain embodiments, premium detector  104  is implemented within one or more computer servers of merchant acquirer  130  and premium validator  106 , alert generator  108  and arbitration initiator  110  are implemented within one or more computer servers of card issuer  140 . It should thus be noted that the matter contained in the above description or shown in the accompanying drawings should be interpreted as illustrative and not in a limiting sense. The following claims are intended to cover all generic and specific features described herein, as well as all statements of the scope of the present method and system, which, as a matter of language, might be said to fall therebetween.