Cardholder’s Reputation System for Contextual Risk Management in Payment Transactions

  • Albert Sitek
  • Zbigniew Kotulski
Conference paper
Part of the Lecture Notes in Computer Science book series (LNCS, volume 10446)


Electronic card payments gained huge popularity mainly because of their simplicity, convenience and processing time. Unfortunately transaction processing rules are constant for every transaction, for example each transaction above some hard limit (50 PLN in Poland) must be authorized with PIN verification. One can notice that such an approach is simple, but is not optimal: that is why Contextual Risk Management systems for payment transactions started to be created. This paper presents a new Cardholder’s Reputation System that can be used in Contextual Risk Management Systems. It is flexible thanks to a few parameters and allows to cover all possible transaction processes.


Reputation systems EMV CVM Payment systems 


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Copyright information

© Springer International Publishing AG 2017

Authors and Affiliations

  1. 1.Institute of Telecommunications of WUTWarsawPoland

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