A method and a system for identifying potentially fraudulent customers in relation to network based commerce activities, in particular involving payment, and a computer program for performing said method

摘要

The invention concerns a computer-implemented method, system and computer program for performing said method, for identifying potentially fraudulent customers in relation to network based commerce activities, in particular payment, associated with at least one client website 450. Said method comprises the following steps: providing information at least concerning said customers behaviour over time in relation to said at least one website 450 by tracking at least one customer induced event 120; and determining said at least one fraud risk potential 180 based on said information in order to identify potentially fraudulent customers. Accordingly, in a unique way, by the provision of website technology, behaviour analysis may be used to track customer behaviour on or in relation to a website, i.e. mathematical analysis may be utilized to process data concerning events, which are recordable. This provides the possibility of indicating fraud during the entire sales process, not merely in direct relation to the payment act, as provided with known fraud detection systems and methods. Examples of customer induced events are customer reactions on the website when being involved in the sale, e.g. the customer is clicking and selecting a certain product item in order to purchase it, or is entering customer data for the transaction, or is moving around between different pages on the merchant website, or is reluctant to enter data or to move around between pages. Further, it is no longer necessary to provide accurate transaction details, such as correct credit card number, or personal customer information, which are to be kept confidential and which are to be validated e.g. against databases containing stolen credit card numbers, in order to provide accurate and timely fraud indication.