Patent Publication Number: US-2012030116-A1

Title: System and apparatus for transaction fraud processing

Description:
RELATED APPLICATIONS 
     This application is related to copending U.S. application Ser. No. 10/196,586, entitled “SYSTEM AND APPARATUS FOR TRANSACTION DATA FORMAT AND FUNCTION VERIFICATION,” filed Jul. 15, 2002, which is hereby incorporated by reference for all purposes. 
    
    
     FIELD OF THE INVENTION 
     The present invention pertains to the field of transaction data processing. More specifically, the invention relates to a system and apparatus for transaction fraud processing that allows different fraud rules for each of a plurality of merchants to be modified from a central location. 
     BACKGROUND 
     Transaction fraud processing systems are known in the art. Such transaction fraud processing systems receive transaction data from merchants and generate a fraud score. The merchant then uses the fraud score to determine whether to accept the transaction, decline the transaction, or to request additional data. 
     While such transaction fraud processing systems perform certain useful functions, the merchant must ensure that the data that has been entered is in the proper format and falls within allowable boundaries for each financial processing system. Each fraud processing system has specialized data formats and functions, which further complicates the processing of transaction fraud data. Furthermore, the merchant must determine whether the transaction fraud data requires action, and must remain up to date with any additional capabilities or modifications to the transaction fraud processor&#39;s capabilities and data formats. 
     SUMMARY OF THE INVENTION 
     In accordance with the present invention, a system and apparatus for processing transaction data are provided that overcome known problems with processing transaction data. 
     In particular, a system and apparatus for processing transaction data are provided that facilitate processing of transaction fraud data to allow merchants to receive a simplified score, enhance the scoring functionality and to allow modifications to fraud scoring to be readily accommodated by merchants. 
     In accordance with an exemplary embodiment of the present invention, a system for processing transaction data is provided. The system includes a fraud policy system that provides merchant specific fraud policy data and functionality. An order information data system receives order information data and the merchant fraud policy data and generates order information fraud score data, such as by modifying the order information data using the merchant fraud policy data and then scoring the modified order information data. A transaction authorization system receives the order information fraud score data and the merchant fraud policy data and generates client authorization data. 
     The present invention provides many important technical advantages. One important technical advantage of the present invention is a system and apparatus for processing transaction data that allows external or internal fraud processing rules to be changed without requiring merchant internal fraud processing rules to be changed. The present invention also allows merchants to set policies and for changes to be made to fraud processing rules for each merchant based on such policies without having to upgrade fraud processing systems operated by each merchant. 
     Those skilled in the art will further appreciate the advantages and superior features of the invention together with other important aspects thereof on reading the detailed description that follows in conjunction with the drawings. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a diagram of a system for transaction fraud processing in accordance with an exemplary embodiment of the present invention; 
         FIG. 2  is a diagram of a system for providing transaction data format, fraud data format, and rules processing capability in accordance with an exemplary embodiment of the present invention; 
         FIG. 3  is a diagram of a system for merchant customization of transaction fraud processing in accordance with an exemplary embodiment of the present invention; 
         FIG. 4  is a flow chart of a method for performing transaction fraud screening in accordance with an exemplary embodiment of the present invention; and 
         FIG. 5  is a flow chart of a method for performing merchant fraud policy management in accordance with an exemplary embodiment of the present invention. 
     
    
    
     DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS 
     In the description which follows, like parts are marked throughout the specification and drawings with the same reference numerals, respectively. The drawing figures may not be to scale and certain components can be shown in generalized or schematic form and identified by commercial designations in the interest of clarity and conciseness. 
       FIG. 1  is a diagram. of a system  100  for transaction fraud processing in accordance with an exemplary embodiment of the present invention. System  100  allows transaction data to be processed to determine compliance with data formats and rules of fraud scoring systems, transaction processing systems, and other suitable systems, and provides transaction fraud data to merchants in a merchant-usable format. 
     System  100  includes payment processing system  102 , transaction system  104 , merchant customization system  106 , merchant system  108 , transaction processing system  110 , fraud policy system  112 , credit card system  114 , and external fraud scoring system  116 , each of which can be implemented in hardware, software, or a suitable combination of hardware and software, and which can be one or more software systems operating on a general purpose processing or server platform. As used herein, a hardware system can include discrete semiconductor devices, an application-specific integrated circuit, a field programmable gate array or other suitable devices. A software system can include one or more objects, agents, threads, lines of code, subroutines, separate software applications, user-readable (source) code, machine-readable (object) code, two or more lines of code in two or more corresponding software applications, databases, or other suitable software architectures. In one exemplary embodiment, a software system can include one or more lines of code in a general purpose software application, such as an operating system, and one or more lines of code in a specific purpose software application. 
     The systems of system  100  are coupled over communications medium  118 . As used herein, the term “couple” and its cognate terms, such as “couples” and “coupled,” can include a physical connection (such as a copper conductor), a virtual connection (such as through randomly assigned memory locations of a data memory device), a logical connection (such as through logical gates of a semiconducting device), other suitable connections, or a suitable combination of such connections. In one exemplary embodiment, systems and components are coupled to other systems and components through intervening systems and components, such as through an operating system. Communications medium  118  can be a local area network, a wide area network, a public network such as the Internet, the public switched telephone network, a wireless network, a fiber optic network, other suitable media, or a suitable combination of such media. 
     Payment processing system  102  receives merchant fraud policy data from merchant system  108 . In one exemplary embodiment, the merchant fraud policy data can include selections of one or more rules from available rule sets, customized rules, or other suitable rules based on the types of data that the merchant acquires from its customers or other suitable data. Payment processing system  102  can provide rules that are provided from an external fraud scoring system  116 , or other suitable rules, and stores the merchant-specific rules in merchant customization system  106 . Fraud policy system  112  of merchant system  108  can be used by the merchant to select and implement the rules, to provide fraud policy data and functionality to payment processing system  102 , or to otherwise establish suitable rules. 
     After fraud processing or policy rules have been established, merchant system  108  sends transaction data to payment processing system  102  through transaction processing system  110 , which can be a web server or other suitable transaction processing systems. Transaction system  104  of payment processing system  102  processes the transaction in accordance with one or more predetermined transaction processing rules. In this manner, transaction system  104  performs rules and format verification in accordance with the system and methods described in U.S. patent application Ser. No. 10/196,586 entitled “SYSTEM AND APPARATUS FOR TRANSACTION DATA FORMAT AND FUNCTION VERIFICATION,” filed Jul. 15, 2002, which is hereby incorporated by reference for all purposes. Payment processing system  102  uses transaction system  104  and merchant customization system  106  to ensure that transaction data complies with credit card system  114  rules, external fraud scoring system  116  rules, and other suitable rules. Payment processing system  102  notifies merchant system  108  of any irregularities or nonconformities with such transaction data, thus allowing the transaction data to be corrected prior to submission to credit card system  114  and external fraud scoring system  116 , or other suitable systems. 
     If all data format requirements have been met and transaction data rules and fraud policy rules have been complied with, payment processing system  102  can perform an initial fraud determination, such as to determine whether the transaction is a card-not-present transaction or other suitable processes. If the initial fraud determination indicates that the transaction should receive additional fraud processing, such as where the merchant requests such processing, the transaction data can be transmitted to external fraud scoring system  116 . Payment processing system  102  can process the transaction data using the merchant policy data, such as to submit transaction data for external fraud scoring, to weight certain types of data fields to have greater significance than others, to request fraud scoring of selected data fields, to ignore certain data fields, to use data fields that are available to that merchant, or to perform other suitable processes. Likewise, internal fraud scoring can be exclusively used, external fraud scoring system  116  can be exclusively used, or other suitable processes or combinations of processes can be performed. 
     Payment processing system  102  receives fraud scoring data, such as from external fraud scoring system  116 , from internal fraud scoring processes, or in other suitable manners. Such fraud scoring can include multiple indicators, such that additional analysis can be required. Payment processing system  102  can retrieve the merchant fraud policy data from merchant customization system  106  and can perform additional rules implementation on the fraud scoring data. In one exemplary embodiment, an external fraud scoring system  116  may generate a fraud score between 1 and 999, where merchant customization system  106  is used to set ranges for scores that indicate a negative result, a positive result, and results requiring additional investigation. External fraud scoring system  116  can also generate one or more codes, where codes that indicate an authorized transaction, and unauthorized transaction, and a transaction that requires additional verification can be selected based on the merchant policy data. 
     Payment processing system  102  can then provide the fraud scoring data and transaction data to merchant system  108  for transaction processing based on the results from external fraud scoring system  116  and the merchant customization system  106 . In one exemplary embodiment, the transaction data provided to external fraud scoring system  116  is different from the transaction data provided to credit card system  114 . The transaction data, fraud scoring data, or other suitable data can then be provided to merchant system  108 . 
     In operation, system  100  allows transaction data to be processed to detect fraudulent transactions. System  100  allows fraud scoring from internal or external processes to be used, and simplifies the merchant interface with a fraud scoring system by allowing new fraud scoring data to be introduced for use in the fraud scoring system without requiring the merchant to modify payment processing systems to accommodate the new fraud scoring data. System  100  also allows fraud rules, transaction rules, data formats, or other suitable data and decision logic to be implemented for different merchants, credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or processes, such that data format and rule verification processing is provided. In this exemplary embodiment, transaction data received from merchant systems  108  is verified both for data field correctness and for compliance with rules, where the actual data values are checked to verify that they are within allowable ranges, types, sets, classes, or are otherwise allowable or will not result in error messages from credit card system  114 , external fraud scoring system  116 , or other systems. 
       FIG. 2  is a diagram of a system  200  for providing transaction data format, fraud data format, and rules processing capability in accordance with an exemplary embodiment of the present invention. System  200  includes transaction system  104  and order information data system  202 , personal information data system  204 , email address data system  206 , IP address data system  208 , bill later data system  210 , stored value data system  212 , and credit card data system  214  each of which can be implemented in hardware, software, or a suitable combination of hardware and software, and which can be one or more software systems operating on a general purpose processing platform. 
     Order information data system  202  provides order information data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, order information data system  202  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, order information data system  202  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, order information data system  202  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
               
             
               
                   
                   
               
               
                   
                 Length 
                 Field Name 
                 Comments 
               
               
                   
                   
               
             
            
               
                   
                 2 
                 format 
                 E.g. order information format 
               
               
                   
                 3 
                 product delivery 
                 E.g. cash &amp; carry, digital 
               
               
                   
                   
                 type 
                 content/text or images, digital 
               
               
                   
                   
                   
                 goods, digital and physical, 
               
               
                   
                   
                   
                 physical delivery required, 
               
               
                   
                   
                   
                 renewals and recharges, shareware, 
               
               
                   
                   
                   
                 and service 
               
               
                   
                 2 
                 shipping carrier 
                 E.g. DHL, Federal Express, 
               
               
                   
                   
                   
                 Greyhound, Purolator, USPS, or 
               
               
                   
                   
                   
                 United Parcel Service 
               
               
                   
                 1 
                 shipping method 
                 E.g. lowest cost, carrier 
               
               
                   
                   
                   
                 designated by customer, 
               
               
                   
                   
                   
                 international, military, next 
               
               
                   
                   
                   
                 day/overnight, store pickup, or two 
               
               
                   
                   
                   
                 day service 
               
               
                   
                 6 
                 Order Date 
                 E.g. date of order 
               
               
                   
                 6 
                 Order Time 
                 E.g. time of order 
               
               
                   
                   
               
            
           
         
       
     
     Personal information data system  204  provides personal information data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, personal information data system  204  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, personal information data system  204  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, personal information data system  209  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
               
             
               
                   
                   
               
               
                   
                 Length 
                 Field Name 
                 Comments 
               
               
                   
                   
               
             
            
               
                   
               
            
           
           
               
               
               
               
            
               
                   
                 2 
                 format indicator 
                 E.g. personal information format 
               
               
                   
                 8 
                 date of birth 
                 E.g. date of birth 
               
               
                   
                 9 
                 social security 
                 E.g. social security number 
               
               
                   
                   
                 number 
               
               
                   
                 3 
                 currency type 
                 E.g. currency type of gross 
               
               
                   
                   
                   
                 household annual income 
               
               
                   
                 10 
                 gross income 
                 E.g. gross household income 
               
               
                   
                 1 
                 residence status 
                 E.g. rent, own 
               
               
                   
                 2 
                 years at 
                 E.g. number of years at current 
               
               
                   
                   
                 residence 
                 residence 
               
               
                   
                 2 
                 years at 
                 E.g. number of years worked with 
               
               
                   
                   
                 employer 
                 current employer 
               
               
                   
                 1 
                 checking account 
                 E.g. checking account indicator 
               
               
                   
                 1 
                 savings account 
                 E.g. savings account indicator 
               
               
                   
                   
               
            
           
         
       
     
     E-mail address data system  206  provides e-mail data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, e-mail data system  206  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, e-mail data system  206  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, e-mail data system  206  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
               
             
               
                   
                   
               
               
                   
                 Length 
                 Field Name 
                 Definition 
               
               
                   
                   
               
             
            
               
                   
                 2 
                 format indicator 
                 E.g. e-mail address information 
               
               
                   
                 1 
                 address type 
                 E.g. buyer address, giftee address 
               
               
                   
                 N 
                 e-mail address 
                 E.g. e-mail address 
               
               
                   
                   
               
            
           
         
       
     
     IP address data system  208  provides IP address data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, IP address data system  208  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, IP address data system  208  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, IP address data system  208  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
               
             
               
                   
                   
               
               
                   
                 Length 
                 Field Name 
                 Definition 
               
               
                   
                   
               
             
            
               
                   
                 2 
                 format indicator 
                 E.g. IP address information 
               
               
                   
                 1 
                 address Subtype 
                 E.g. bill to address, buyer address 
               
               
                   
                 N 
                 customer IP 
                 E.g. customer&#39;s IP address 
               
               
                   
                   
                 address 
               
               
                   
                   
               
            
           
         
       
     
     Bill later data system  210  provides bill me later program data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, bill later data system  210  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, bill later data system  210  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, bill later data system  210  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
             
               
                   
               
               
                 Length 
                 Field Name 
                 Comments 
               
               
                   
               
             
            
               
                   
               
            
           
           
               
               
               
            
               
                 2 
                 format indicator 
                 E.g. bill later format 
               
               
                 8 
                 shipping cost 
                 E.g. total shipping cost 
               
               
                 5 
                 T&amp;C version 
                 E.g. terms &amp; conditions version 
               
               
                 8 
                 customer 
                 E.g. date customer registered with 
               
               
                   
                 registration 
                 merchant 
               
               
                   
                 date 
               
               
                 2 
                 customer type 
                 E.g. new, existing 
               
               
                   
                 flag 
               
               
                 4 
                 item category 
                 product description code assigned 
               
               
                   
                   
                 by bill later program 
               
               
                 16 
                 pre-approval 
                 E.g. whether consumer has been pre- 
               
               
                   
                 invitation 
                 approved 
               
               
                   
                 number 
               
               
                 4 
                 merchant 
                 E.g. merchant promotional code 
               
               
                   
                 promotional code 
               
               
                 1 
                 customer 
                 E.g. customer changed password 
               
               
                   
                 password change 
               
               
                 1 
                 customer billing 
                 E.g. customer changed billing 
               
               
                   
                 address change 
                 address 
               
               
                 1 
                 customer e-mail 
                 E.g. customer e-mail change 
               
               
                   
                 change 
               
               
                 1 
                 customer phone 
                 E.g. customer changed phone number 
               
               
                   
                 change 
               
               
                   
               
            
           
         
       
     
     Stored value data system  212  provides stored value data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, stored value data system  212  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, stored value data system  212  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, stored value data system  212  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
             
               
                   
               
               
                 Length 
                 Field Name 
                 Comments 
               
               
                   
               
             
            
               
                   
               
            
           
           
               
               
               
            
               
                 2 
                 format indicator 
                 E.g. stored value format 
               
               
                 1 
                 telephone type 
                 E.g. day, home, night, work 
               
               
                 14 
                 telephone number 
                 E.g. area code, exchange. number, 
               
               
                   
                   
                 extension 
               
               
                 30 
                 name text 
                 E.g. name of person receiving gift 
               
               
                 30 
                 address 
                 E.g. street address 
               
               
                 28 
                 address 
                 E.g. street address 
               
               
                 2 
                 country code 
                 E.g. United States, Canada, Mexico 
               
               
                 20 
                 city 
                 E.g. city 
               
               
                 2 
                 state 
                 E.g. state 
               
               
                 10 
                 zip code 
                 E.g. zip code 
               
               
                   
               
            
           
         
       
     
     Credit card data system  214  provides credit card data in a predetermined format, where data types allowable for the format are based on data types required by credit card systems  114 , external fraud scoring systems  116 , or other suitable systems or functions. In one exemplary embodiment, credit card data system  214  can verify that the data is in the proper format, and can then perform additional data processing on the data fields to identify any problems with data before transmission of the data to an external processing organization. Furthermore, credit card data system  214  can implement necessary fixes to such data, such as to correct obvious errors, make corrections based on the context of the data record, or to implement other suitable processes. 
     In one exemplary embodiment, credit card data system  214  can include one or more of the following format fields and functions: 
     
       
         
           
               
               
               
               
             
               
                   
                   
               
               
                   
                 Length 
                 Field Name 
                 Comments 
               
               
                   
                   
               
             
            
               
                   
               
            
           
           
               
               
               
               
            
               
                   
                 16 
                 merchant order 
                 E.g. identifier assigned to 
               
               
                   
                   
                 number 
                 customer order 
               
               
                   
                 2 
                 method of 
                 E.g. the form of payment provided 
               
               
                   
                   
                 payment 
                 by the customer 
               
               
                   
                 19 
                 account number 
                 E.g. the payment account 
               
               
                   
                   
                   
                 identifier 
               
               
                   
                 4 
                 expiration date 
                 E.g. date the account may expire 
               
               
                   
                 6 
                 merchant number 
                 E.g. identifier of merchant 
               
               
                   
                 12 
                 amount 
                 E.g. transaction value 
               
               
                   
                 3 
                 currency code 
                 E.g currency of the transaction 
               
               
                   
                 1 
                 transaction type 
                 E.g. indicator of the source of 
               
               
                   
                   
                   
                 the transaction - retail store, 
               
               
                   
                   
                   
                 catalog, Internet, et al 
               
               
                   
                   
               
            
           
         
       
     
     In operation, system  200  allows data formats and rules for external transaction data processing systems, transaction fraud scoring systems, or other suitable systems to be implemented. In one exemplary embodiment, system  200  determines whether the proper format and the proper data values for such external systems have been implemented. System  200  then interfaces with the external systems, and translates as necessary between such external systems and merchant systems and internal systems. 
       FIG. 3  is a diagram of a system  300  for merchant customization of transaction fraud processing in accordance with an exemplary embodiment of the present invention. System  300  includes merchant customization system  106  and fraud policy interface system  302 , merchant fraud data system  304 , merchant notification system  306 , and fraud scoring update system  308 , each of which can be implemented in hardware, software, or a suitable combination of hardware and software, and which can be one or more software systems operating on a general purpose processing platform. 
     Fraud policy interface system  302  receives fraud policy data from a merchant. In one exemplary embodiment, fraud policy interface system  302  can allow a merchant to operate a fraud policy system  112  and to provide the fraud data on demand or in other suitable manners. Likewise, fraud policy interface system  302  can be operator-driven, where a local operator of system  300  interfaces with a merchant representative via telephone, e-mail or other suitable communications media, reviews merchant fraud policy data previously provided, or otherwise obtains fraud policy data. 
     Merchant fraud data system  304  stores merchant fraud policy data and decision logic functionality for use in processing transactions. In one exemplary embodiment, merchant fraud data system  304  allows each merchant to customize transaction processing rules to accommodate data obtained by the merchant, such as order information data, personal information data, e-mail address data, IP address data, bill later data, stored value data, credit card data or other suitable data. Merchant fraud data system  304  can further allow fraud scoring data received from an internal or external fraud scoring system to be processed so as to reduce the fraud scoring data to acceptable, data classes. In one exemplary embodiment, the fraud scoring data can include an initial score from 1 to 999, and merchant fraud data system  304  can identify ranges for scores to classify the fraud scoring data into classes such as “low risk transaction,” “high risk transaction,” “medium risk transaction.” 
     Merchant notification system  306  notifies merchant system  108  of changes to fraud scoring data formats. In one exemplary embodiment, additional fraud scoring functionality can be provided, such as based on order information data, personal information data, email address data, IP address data, bill later data, stored value data, credit card data or other suitable data. Merchant notification system  306  can request a merchant to indicate whether any such additional data could be of use in processing transactions to identify fraudulent transactions, can notify a merchant of such changes when previous instructions from a merchant have authorized modification to merchant rules for processing transactions, and can perform other suitable functions. 
     Fraud scoring update system  308  receives fraud scoring update data, such as from external fraud scoring system  116  or other suitable systems, and allows changes to be made to one or more merchant fraud rules or decision logic. In one exemplary embodiment, fraud scoring update system  308  can allow data formats to he changed, new data fields to be used, and can further allow mass changes to merchant fraud data rules so as to eliminate the need for individual changes of rules. 
     In operation, system  300  allows fraud policy and fraud scoring to be implemented for a plurality of merchants in a centralized location. System  300  allows customized merchant rules to be set up and implemented for transactions processed through a central transaction processing system, such that transactions can be screened for fraud based on each merchant&#39;s preferences on an ongoing basis. System  300  thus allows a payment processor to process transaction data and obtain fraud data without the need to treat individual merchants separately, classify merchants who obtain fraud processing for processing through a separate system than merchants who don&#39;t receive fraud processing, or implementing other technologically cumbersome processes. 
       FIG. 4  is a flow chart of a method  400  for performing transaction fraud screening in accordance with an exemplary embodiment of the present invention. Method  400  begins at  402  where transaction data, such as credit card data, and a fraud score request are received. In one exemplary embodiment, a payment processing system can receive a large number of transactions, such as credit card transactions, stored value transactions, debit card transactions, electronic funds transfer transactions, or other suitable transactions, where such transactions either may or may not indicate that fraud processing should be performed. The method then proceeds to  404 . 
     At  404  stored value fraud scoring is performed. In one exemplary embodiment, the transaction data and/or fraud score data may indicate that fraud score processing should be performed that includes stored value data and other suitable data. Merchant customization data and rules can also be applied to the stored value fraud scoring. Likewise, if it is determined that stored value fraud scoring is not required, the method proceeds to  406 . 
     At  406  bill later fraud scoring is performed. In one exemplary embodiment, the transaction data and/or fraud score data may include a fraud scoring indicator that indicates that bill later fraud scoring is to be performed using bill later data and other suitable data. Merchant customization data and rules can also be applied to the bill later fraud scoring. If no bill later fraud scoring is to be performed the method proceeds to  408 . 
     At  408  order information fraud scoring is performed. In one exemplary embodiment, the transaction data and/or fraud score data may include a fraud scoring indicator that indicates that order information fraud scoring is to be performed using order information data and other suitable data. Merchant customization data and rules can also be applied to the order information fraud scoring. If no order information fraud scoring is to be performed the method proceeds to  410 . 
     At  410  personal information fraud scoring is performed. In one exemplary embodiment, the transaction data and/or fraud score data may include a fraud scoring indicator that indicates that personal information fraud scoring is to he performed using personal data and other suitable data. Merchant customization data and rules can also be applied to the personal information fraud scoring. If no personal information fraud scoring is to be performed the method proceeds to  412 . 
     At  412  e-mail information fraud scoring is performed. In one exemplary embodiment, the transaction data and/or fraud score data may include a fraud scoring indicator that indicates that e-mail fraud scoring is to be performed using e-mail data and other suitable data. Merchant customization data and rules can also be applied to the e-mail information fraud scoring. If no e-mail information fraud scoring is to be performed the method proceeds to  414 . 
     At  414  IP address fraud scoring is performed. In one exemplary embodiment, the transaction data and/or fraud score data may include a fraud scoring indicator that indicates that IP address fraud scoring is to be performed using IP address data and other suitable data. Merchant customization data and rules can also be applied to the IP address fraud scoring. If no IP address fraud scoring is to be performed the method proceeds to  416 . 
     At  416  credit card data fraud scoring is performed. In one exemplary embodiment, the transaction data and/or credit card data may include a fraud scoring indicator that indicates that credit card data fraud scoring is to be performed using credit card data and other suitable data. Merchant customization data and rules can also be applied to the credit card data fraud scoring. If no credit card data fraud scoring is to be performed the method proceeds to  418 . Alternatively, fraud scoring at  404  through  416  can be combined into a single fraud scoring transaction using a suitable combination of data, including individual data fields from one or more format sets where suitable. 
     At  418 , a third party score is obtained. In one exemplary embodiment, a third party fraud processor can be used to obtain fraud scores. In this exemplary embodiment, the data to be provided to the third party fraud processor can first checked to ensure that it is in a proper format, and can then be checked to ensure that proper data fields have been provided, so as to implement both format and rules processing. The data can then be provided to the third party, and appropriate fraud processing data from the third party can be obtained. In one exemplary embodiment, the response can include a score from 1 to 999, predetermined codes, or other suitable scores. The method then proceeds to  420 . Likewise, internal fraud scoring can be implemented. 
     At  420  it is determined whether fraud is indicated. If no fraud is indicated the method proceeds to  422  and transaction processing proceeds. Otherwise, the method proceeds to  424  where merchant scoring data is retrieved. In one exemplary embodiment, merchant scoring data can include predetermined transaction score ranges for each merchant, predetermined transaction score codes for each merchant, or other suitable data that is used to determine whether fraud has been indicated on a merchant by merchant basis. The method then proceeds to  426 . 
     At  426  a score is generated, such as “accept transaction,” “deny transaction,” “obtain further information,” or other suitable scores. Likewise, associated identifiers for such scores can also be used. The method then proceeds to  428 . 
     At  428  it is determined whether fraud has been indicated, such as at a merchant system. In one exemplary embodiment, the scores generated at  426  can be used to generate merchant notification data. If it is determined at  428  that fraud has not been indicated the method proceeds to  432  and the transaction continues. Otherwise, the method proceeds to  430  where a recommended action is transmitted. In one exemplary embodiment, the recommended action can be to deny the transaction, to obtain additional data, or to perform other suitable processes. 
     In operation, method  400  allows transactions to be processed to obtain fraud score data using data formats and rules. Method  400  further allows fraud scoring data to be reduced to predetermined classes, so as to allow merchants to receive fraud processing instructions in accordance with specific rules for that merchant, to avoid the need to reconfigure merchant processing rules when fraud scoring data is modified or supplemented, and to provide other suitable advantages. 
       FIG. 5  is a flow chart of a method  500  for performing merchant fraud policy management in accordance with an exemplary embodiment of the present invention. Method  500  begins at  502  where fraud scoring modification data is received. In one exemplary embodiment, the fraud scoring modification data can include data received from a third party transaction or fraud processor or other suitable sources that indicate that a change to merchant fraud scoring rules may be required. The method then proceeds to  504 . At  504  merchant fraud scoring data is displayed. For example, if it is determined that the fraud scoring modification data cannot be handled without operator review or input, then the merchant fraud scoring data can be displayed. Otherwise the method can proceed directly to  506 . 
     At  506  it is determined whether a change in the merchant fraud scoring data is required. In one exemplary embodiment, a change can be required if additional data fields have been provided that may be of interest to a merchant, if existing data fields have been changed to add subsets or otherwise alter the data fields in a manner that requires action, or if other changes have been made. If it is determined at  506  that change is not required the method proceeds to  508  where the merchant is notified. In one exemplary embodiment, the merchant can be notified of the decision not to implement a change, so as to provide the merchant an opportunity to request that a change be made or that other suitable actions be implemented. The method can then return to  506 , such as where a merchant transmits data requesting that a change be performed. 
     If it is determined at  506  that a change is required, the method proceeds to  510  where it is determined whether notification is required. In one exemplary embodiment, notification can be required if the change is made to one or more predetermined data fields. If notification is required, the method proceeds to  508 . Otherwise the method proceeds to  512 . 
     At  512  the changes to the merchant fraud scoring data are implemented. In one exemplary embodiment, the changes can be implemented automatically, can be entered on a merchant-by-merchant basis, can be entered for all merchants in a class, or other suitable processes can be used. The method then proceeds to  514 . 
     At  514  the changes implemented to the merchant fraud scoring data are displayed to an operator. In one exemplary embodiment, the changes can be displayed in a manner that requests that the operator verify whether any additional changes are required. If it is determined at  516  that additional changes are required the method returns to  502 . Otherwise the method proceeds to  518  where the modified client fraud scoring data is stored for subsequent use. 
     In operation, method  500  allows merchant fraud scoring to be processed through a centralized transaction processor, such as to allow a plurality of merchants to either request fraud scoring data, not request fraud scoring data, and to request fraud scoring data having different rules. Method  500  thus allows modifications to the merchant fraud scoring data to be made based on changes in external fraud scoring systems, internal fraud scoring systems, individual merchant policies, or in other suitable manners. 
     Although preferred and exemplary embodiments of a system and apparatus of the present invention have been described in detail herein, those skilled in the art will also recognize that various substitutions and modifications can be made to the systems and methods without departing from the scope and spirit of the appended claims.