Canary card identifiers for real-time usage alerts
US12211050B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Dec 22, 2021 |
| Grant date | Jan 28, 2025 |
| Priority date | — |
| Expiry date | Mar 22, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/425
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
There are provided systems and methods for canary card identifiers for real-time usage alerts. A user associated with an organization, such as an employee of a company, are provided a payment instrument or card affiliated with that company to make one or more purchases. In order to prevent or limit fraud, as well as detect fraudulent actors, the organization utilizes multiple card identifiers and/or payment cards, where a portion of those identifiers are valid, and another portion are not valid but marked for generation of one or more alerts on use of that portion of identifiers. A monitoring and alert system resides on top of an electronic transaction processing network to detect use of the marked identifiers. If detected, a real-time alert is then transmitted to the organization with data associated with the use of the marked identifiers.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.