Method and system for identifying linked cards from authorization records

US10565585B2 · kind B2 · utility

Assignee

• MASTERCARD ASIA/PACIFIC PTE. LTD. · SG

Inventors

• Ashutosh Sharan · Manesar, IN
• Sanket Rajendra Nerkar · Nashik, IN
• Mayank Prakash · Gairsain, IN

Key dates

• Filing date: Mar 18, 2016
• Grant date: Feb 18, 2020
• Expiry date: May 26, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computer-implemented method of detecting associated payment devices comprises: receiving, by a processor from a payment network, transaction data representing a plurality of transaction records, a transaction amount, a transaction time, a terminal identifier, and a result code indicating success or failure of a transaction; identifying from said transaction records a declined transaction associated with a first payment device identifier, and determining a terminal identifier and transaction amount associated with the declined transaction; identifying from said transaction records a subsequent transaction occurring within a predetermined window of the declined transaction, the subsequent transaction being associated with the same terminal identifier and the same transaction amount as the declined transaction, the subsequent transaction being associated with a second payment device identifier that is different from the first payment device identifier; and storing, in a database, an association between the second payment device identifier and the first payment device identifier.