Abstract: The present invention provides systems, methods and computer program products for authorizing transactions based on, at least in part on, enhanced authorization data. In one embodiment, enhanced authorization data is received in a request for authorization to accept a transaction instrument as payment. Examples of enhanced authorization data include an automatic number identification, an information identifier, an email address, a contact telephone number, a ship-to-name, ship-to-address, an Internet Protocol address, and a seller identification. A risk analysis is performed based, at least in part, on the enhanced authorization data to determine the risk of the request being associated with a fraudulent purchase. The risk may be calculated by comparing the enhanced authorization data with information stored about the transaction instrument or with historical transaction information.

Abstract: A system, method, and computer program for providing a merchant with a fraud score for a card not present transaction. A card not present transaction is detected. A fraud score is appended to a message that provides information about the card not present transaction. The message is transmitted to the merchant. In one example, the message is an authorization message. In another example the message is an address verification message.