System and method for detecting user fraud in automated teller machine transactions
US5386104A · kind A · utility
Assignee
Inventor
Key dates
| Filing date | Dec 27, 1993 |
| Grant date | Jan 31, 1995 |
| Priority date | — |
| Expiry date | Dec 27, 2013 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F19/207
- WIPO fieldControl
- WIPO sectorInstruments
Abstract
A self-service automated teller system includes a fraud detection module which uses a biometric recognition technique, such as voice or fingerprint recognition, in combination with predictive technology. The biometric recognition test is normally decisive, but if this test produces a result which is close to a predetermined threshold, the predictive technology checks to determine whether the transaction is consistent with the user's normal behavior before permitting the transaction to proceed. A suspicion count may also be included in the decision-making process, to determine whether or not the user has a previous record of suspicious transactions.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.