Detection of compromise of merchants, ATMS, and networks

US10115153B2 · kind B2 · utility

Assignee

• Fair Isaac Corporation · US

Inventors

• Scott Michael Zoldi · San Diego, US
• Michael Urban · Commugny, CH

Key dates

• Filing date: Dec 31, 2008
• Grant date: Oct 30, 2018
• Expiry date: Jan 24, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method for detecting compromise of financial transaction instruments associated with a merchant or automated teller machine (ATM) are disclosed. Historical data representing a historical aggregate financial transaction instrument behavior history is stored in a computer memory. The historical data is received at the computer from one or more merchants and ATMs via a communications network. Authorization data representing authorization behavior of a plurality of financial transaction cards related to corresponding financial transactions at the same or a different one or more merchants and ATMs is received by the computer. Abnormal activity data representing an abnormal aggregate financial transaction instrument activity based on the authorization data is determined, and the historical data is compared with the abnormal activity data to generate a compromise profile for the plurality of financial transaction instruments.