Preventing an unauthorized card transaction
US8751398B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 8, 2012 |
| Grant date | Jun 10, 2014 |
| Priority date | — |
| Expiry date | Aug 15, 2032 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
An approach for preventing unauthorized card transactions is presented. An authorization record including an authorized geographic location and an authorized period of time is received from a travel reservation system (TRS) and stored to dynamically update a profile table that stores other authorization records. The authorization record identifies an itinerary specified by 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 location for the authorized period 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 authorized geographic locations included in the stored authorization records that have authorized time periods that include the retrieved date.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.