Abstract: The present invention provides for an authenticity marker to be embedded within web page and/or email content which allows a user to validate that the content originates from the true source of the content and is not merely a copy. The method includes a user requesting content in the form of a web page and/or email from a server using a web browser or email client. The server receives the request, retrieves the content and forwards it to an authentication server. The authentication server inserts into the retrieved content a unique fractal icon and/or information only known between the owner of the content and the user.

Abstract: The present invention provides for an authenticity marker to be embedded within web page and/or email content which allows a user to validate that the content originates from the true source of the content and is not merely a copy. The method includes a user requesting content in the form of a web page and/or email from a server using a web browser or email client. The server receives the request, retrieves the content and forwards it to an authentication server. The authentication server inserts into the retrieved content a unique fractal icon and/or information only known between the owner of the content and the user.

Abstract: A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.

Abstract: The present invention provides for an authenticity marker to be embedded within web page and/or email content which allows a user to validate that the content originates from the true source of the content and is not merely a copy. The method includes a user requesting content in the form of a web page and/or email from a server using a web browser or email client. The server receives the request, retrieves the content and forwards it to an authentication server. The authentication server inserts into the retrieved content a unique fractal icon and/or information only known between the owner of the content and the user.

Abstract: A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.

Abstract: A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.

Abstract: The present invention provides for an authenticity marker to be embedded within web page and/or email content which allows a user to validate that the content originates from the true source of the content and is not merely a copy. The method includes a user requesting content in the form of a web page and/or email from a server using a web browser or email client. The server receives the request, retrieves the content and forwards it to an authentication server. The authentication server inserts into the retrieved content a unique fractal icon and/or information only known between the owner of the content and the user.

Abstract: A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one postal address as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first customer record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional customer record associated with the customer. Finally, the postal address is compared to the information contained in the additional record to create a comparison result that verifies the submitted postal address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.

Abstract: A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.