Visa Inc.
Account type detection for fraud risk

Abstract:

A server computer can provide a merchant or other entity with a payment card (or other payment device) detection service that can determine a level of fraud based on the account type being presented (e.g., credit, debit, prepaid, etc.) at the time of purchase. For example, a payment account number (PAN) can be used to perform a database lookup (e.g., a range lookup) to identify the payment account type, which can then be fed into a fraud detection system. The level of fraud can then be used to determine an authorization result (e.g., accept, reject, or review). A use of a merchant processor computer that implements fraud processing can allow a merchant to implement discounting, acceptance, and/or fraud rules based on the card type.