Verfahren und System zur Erkennung von Zahlungsnetzwerkbedrohungen

Details

Veröffentlichungs-Nr.

EP4804108

Anmeldetag

4. März 2025

Veröffentlichung

9. September 2026

Rechtsraum

EP

IPC

G06Q40/02, G06Q20/40

Abstract

The present invention relates to a computer implemented method to detect threats in a payment network using a threat detection algorithm by limiting the growth of a data tree, for use with a threat detection algorithm. The method comprises, receiving (1003) transaction data relating to a first transaction, and retrieving (1001) a data tree comprising a first node connected to a second node representing a second transaction, where the source account of the first transaction is the same as the destination account of the second transaction. The method further comprises determining (1005) a difference in time between the time of the second transaction and the time of the first transaction and determining (1007) a total number of accounts that have made a transaction with the source account of the first transaction. If the difference between the time of the second transaction and the time of the first transaction is less than a first predetermined length of time, and the total number of accounts to have made a transaction with the source account of the first transaction is less than a predetermined number of accounts, the data tree is updated (1009) to comprise a third node connected to the second node, the third node representing the destination account of the first transaction, and is inputted (1011) into a threat detection algorithm, to thereby detect threats in a payment network using the threat detection algorithm.

Anmelder

Firma

Mastercard International, Inc.

Land

🇺🇸 USA

Fachgebiete