METHOD OF DETERMINATION OF UNAUTHORIZED UTILIZATION OF CREDIT CARD USING HISTORY INFORMATION

摘要

PROBLEM TO BE SOLVED: To provide an unauthorized utilization determination method using history information added to authorization data in the case that unauthorized utilization is determined by authorization data mainly at the time of using a credit card.;SOLUTION: History information such as a difference with use time of authorization data related to the just preceding use and a difference in the amount of money for use is added to a record having authorization data recorded therein, and they are stored as one record. Since it can be recognized whether the credit card is irregularly utilized or not by the history information besides determination based on authorization data for determining unauthorized utilization, a result is reflected on a score value to calculate the score value of higher reliability. History information is integrated with authorization data into one record to efficiently perform determination processing.;COPYRIGHT: (C)2006,JPO&NCIPI