Patent US 8,073,785

A method and system us disclosed for detecting fraud is non-personal transactions. The method and system comprise transmitting the purchaser's data, includes a ship-to address for the transaction, to a fraud-detection system; processing the purchaser's data to determine whether the transaction is potentially fraudulent; and returning the relative risks of fraudulent activity associated with the transaction. The method and system may include any of the following additional steps: checking to determine whether the purchaser's ship-to address exists, checking the purchaser's ship-to address against an historical database to determine whether a prior history of fraud exists, checking the purchaser's ship-to address against an historical database to determine whether a pattern of fraudulent activity exists for the ship-to address; and checking the purchaser's ship-to address against a modeling engine to determine whether elements exist in the demographic data which correlate with fraudulent trends. In addition, a score may be calculated based at least in part upon the likelihood that the transaction is fraudulent.