Dynamic itinerary-driven profiling for preventing unauthorized card transactions
US8229853B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 16, 2008 |
| Grant date | Jul 24, 2012 |
| Priority date | — |
| Expiry date | May 25, 2031 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method and system for preventing unauthorized card transactions via dynamic itinerary-driven profiling. Authorization record(s) including authorized geographic locations and authorized periods of time are received from a travel reservation system (TRS). The authorization record(s) identify an itinerary specified by a travel booking(s) purchased via the TRS using a debit or credit card. The itinerary specifies that the cardholder is scheduled to be in the authorized geographic locations for the authorized periods of time. In response to receiving a request for an authorization of a card transaction, a location and date associated with the card transaction are retrieved from the request. The card transaction is rejected based on a determination that the retrieved location is not within the authorized geographic locations and/or the retrieved date is not within the authorized periods of time. A notification of the retrieved location and retrieved date is logged and displayed.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.