RISK DETECTION AND ASSESSMENT OF CASH PAYMENT FOR ELECTRONIC PURCHASE TRANSACTIONS

摘要

A system and methods are provided which allow consumers to pay for ecommercetransactions through online bill payment and for merchants to determine thatpayments arenot fraudulent . The system and methods do not rely on personal orconfidential customerinformation relating to credit-cards and/or bank account routing information,date of birthand/or social security number. A risk manager can perform risk assessment forthe cashpayment based on order information and non-confidential purchaser informationincluded in acash payment request. In response to receiving an indication of the cashpayment from thepurchaser, a determination is made whether the cash payment is a good paymentbased onthe risk assessment. The cash payment is released to a merchant in response toadetermination that the cash payment is a good payment.