Visa International Service Association

A computer-implemented method, includes receiving, at a payment processor, an indication that a fraudulent transaction has occurred, the fraudulent transaction being associated with a fraudulent transaction account; performing, at the payment processor, a mule account assessment of financial transactions originating from an account that received the fraudulent transaction; utilizing the mule account assessment to identify whether the account that received the fraudulent transaction is a mule account; generating, at the payment processor, a mule account indicator indicative of the account that received the fraudulent transaction being identified as the mule account; and utilizing the mule account assessment to identify mule-adjacent accounts associated with the mule account, the identification of the mule-adjacent accounts being utilized to prevent mule-based fraud associated with the mule account.

A method is disclosed. The method includes generating an initialization request message to provision access data, transmitting the initialization request to a server computer, and receiving, by the communication device, a dynamic data element from the server computer. The method also includes performing a message exchange process with a user device, wherein a cryptogram is received from the user device by the communication device during the message exchange process. The method also includes transmitting a provisioning request message including a user device identifier and the cryptogram to the server computer.

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In some embodiments, a system, includes a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium including code that: generates, at a payment network, a payment-network-generated Merchant Presented Payment Acceptance Credential (MPPAC), the payment-network-generated MPPAC being configured to be utilized in a merchant MPPAC audit of a merchant; provides the payment-network-generated MPPAC to the merchant for use in the merchant MPPAC audit; receives, at the payment network, a merchant-captured MPPAC, the merchant-captured MPPAC having been captured by the merchant for a merchant MPPAC audit verification; and utilizes, at the payment network, the payment-network-generated MPPAC and the merchant-captured MPPAC to perform the merchant MPPAC audit verification.

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