Self-service terminal (SST) item return anti-fraud processing

US11836735B2 · kind B2 · utility

Assignee

• NCR Corporation · US

Inventors

• Jodessiah Sumpter · Roswell, US
• Matthew Robert Burris · Atlanta, US
• Christopher John Costello · Suwanee, US
• Caleb Wayne Martinez · Fayetteville, US

Key dates

• Filing date: Jan 19, 2021
• Grant date: Dec 5, 2023
• Expiry date: Oct 4, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06K7/1417
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.