Mastercard Incorporated
SYSTEMS AND METHODS FOR USE IN EVALUATING NETWORK INTERACTIONS

Abstract:

Systems and methods are described for evaluating network interactions involving rewards. One exemplary computer-implemented method includes receiving, by a directory server, from a plug-in associated with a party, a query related to a network interaction directed to a reward account. The method also includes generating, by the directory server, a score associated with the query, based on a history of the reward account and the detail of the party, determining, by the directory server, whether the score satisfies a threshold, and directing a challenge to a user associated with the reward account, at a communication device associated with the user, in response to the generated score failing to satisfy the threshold. The method then includes transmitting, by the directory server to the plug-in, a reply based on the generated score and/or the response to the challenge, thereby providing additional authentication of the user for the network interaction.