IP Library › Granted Patent US 10,115,107
Granted Patent B2
US 10,115,107 · App. 14/138,737 · Granted Oct 30, 2018

Payment card fraud protection

Inventors: James R. Kozloski (New Fairfield, CT); Clifford A. Pickover (Yorktown Heights, NY)
Assignee: International Business Machines Corporation
G06Q20/4016G06Q20/34
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Quick Facts
Patent No.
US 10,115,107
App. No.
14/138,737
Granted
Oct 30, 2018
Kind
B2
Abstract

Disclosed is a novel system and method for managing payment card fraud. More particularly, accessing information associated with at least one card holder after the card holder has physically passed through at least one security checkpoint in which the card holder's identity has been authenticated. Next at least one payment card identifier associated with the card holder is received. A payment card profile associated with the payment card is updated. In one example, information from a ticket is also used with the payment card identifier to manage the probability of rejection. Numerous embodiments are disclosed.

Claims (40)

1. A computer-implemented method for managing payment card transactions, the method comprising:

using at least one server processor for:

using at least one biometric sensor to perform biometric identification of a card holder prior to allowing the card holder to physically pass through at least one security checkpoint;

accessing, by a payment card company, information associated with the card holder after the card holder has physically passed through the at least one security checkpoint in which the card holder's identity has been authenticated using biometric identification;

extracting at least one destination region from a ticket associated with the card holder;

only after the card holder has physically passed through the at least one security checkpoint, receiving from the card holder using a client processor-based device, at least one payment card identifier associated with the card holder through one or more of a magnetic strip payment card reader, a text message, an optical recognition of a picture of a payment card, and a near field wireless communication with a smart-chip embedded in a credit card and while on one of an airplane, a bus, a train, or a ship and prior to reaching a ticketed destination; and

updating, by the payment card company, a payment card profile associated with the payment card by authorizing use of the payment card within at least one or more of the destination region and a time period, and the updating the payment card profile includes reducing a probability of rejection of the payment card in at least one destination region when the payment card is used to make a purchase based upon receiving the payment card identifier using the client processor-based device from a ticket venue network address defined as an identifier for a node or a network interface of a telecommunications network associated with the ticket, wherein the ticket venue network address is located after the card holder has physically passed through the at least one security checkpoint, and

increasing the probability of rejection of the payment card in response to failing to receiving the payment card identifier using the client processor-based device, from the ticket venue network address defined as the identifier for the node or the network interface of the telecommunications network associated with the ticket.

2. The computer-implemented method of claim 1 , wherein the security checkpoint is at least one of an aviation security checkpoint, a bus security checkpoint, a train security checkpoint, a ship security checkpoint, a stadium security checkpoint, a border crossing security checkpoint, or a combination thereof.

3. The computer-implemented method of claim 1 , wherein the payment card is at least one of a credit card, a cash card, a pre-paid card, a secured card, a gift card, an automatic teller card, a bank card, a check card, or a combination thereof.

4. The computer-implemented method of claim 1 , wherein the updating the payment card profile associated with the payment card includes changing a probability of rejection of the payment card in at least one destination region when the payment card is used to make a purchase.

5. The computer-implemented method of claim 4 , wherein prior to updating the payment card profile, verifying payment card identifier matches information from a ticket associated with the card holder.

6. The computer-implemented method of claim 1 , wherein the changing the probability of rejection is directly related to receiving the payment card identifier within a settable period of time.

7. The computer-implemented method of claim 1 , further comprising:

sending at least one advertisement to a client device of the card holder based on a destination region, a credit card identifier, or a combination there.

8. A payment card fraud management system comprising:

a memory;

a processor communicatively coupled to the memory, where the processor is configured to perform

using at least one biometric sensor to perform biometric identification of a card holder prior to allowing the card holder to physically pass through at least one security checkpoint;

accessing, by a payment card company, information associated with the card holder after the card holder has physically passed through the at least one security checkpoint in which the card holder's identity has been authenticated using biometric identification;

extracting at least one destination region from a ticket associated with the card holder;

receiving at least one payment card identifier associated with the card holder using a client processor-based device, only after the card holder has physically passed through the at least one security checkpoint and while on one of an airplane, a bus, a train, or a ship and prior to reaching a ticketed destination; and

updating, by the payment card company, a payment card profile associated with the payment card by authorizing use of the payment card within at least one or more of the destination region and a time period, and the updating the payment card profile includes changing a probability of rejection of the payment card in at least one destination region when the payment card is used to make a purchase based upon receiving the payment card identifier using the client processor-based device from a ticket venue network address defined as an identifier for a node or a network interface of a telecommunications network associated with the ticket, wherein the ticket venue network address is located after the card holder has physically passed through the at least one security checkpoint; and

increasing the probability of rejection of the payment card in response to failing to receiving the payment card identifier using the client processor-based device from the ticket venue network address defined as the identifier for the node or the network interface of the telecommunications network associated with the ticket.

9. The payment card fraud management system of claim 8 , wherein the security checkpoint is at least one of an aviation security checkpoint, a bus security checkpoint, a train security checkpoint, a ship security checkpoint, a stadium security checkpoint, a border crossing security checkpoint, or a combination thereof.

10. The payment card fraud management system of claim 8 , wherein the payment card is at least one of a credit card, a cash card, a pre-paid card, a secured card, a gift card, an automatic teller card, a bank card, a check card, or a combination thereof.

11. The payment card fraud management system of claim 8 , wherein the updating the payment card profile associated with the payment card includes changing a probability of rejection of the payment card in at least one destination region when the payment card is used to make a purchase.

12. The payment card fraud management system of claim 11 , wherein prior to updating the payment card profile, verifying payment card identifier with information from a ticket associated with the card holder.

13. The payment card fraud management system of claim 8 , wherein the changing the probability of rejection is directly related to receiving the payment card identifier within a settable period of time.

14. A non-transitory computer program product for managing payment card transactions, the computer program product comprising:

a computer readable storage medium having computer readable program code embodied therewith, the computer readable program code configured to:

using at least one biometric sensor to perform biometric identification of a card holder prior to allowing the card holder to physically pass through at least one security checkpoint;

accessing, by a payment card company, information associated with the card holder after the card holder has physically passed through the at least one security checkpoint in which the card holder's identity has been authenticated using biometric identification;

extracting at least one destination region from a ticket associated with the card holder;

receiving at least one payment card identifier associated with the card holder, only after the card holder has physically passed through the at least one security checkpoint and while on one of an airplane, a bus, a train, or a ship and prior to reaching a ticketed destination; and

updating, by the payment card company, a payment card profile associated with the payment card by authorizing use of the payment card within at least one or more of the destination region and a time period, and the updating the payment card profile includes changing a probability of rejection of the payment card in at least one destination region when the payment card is used to make a purchase based upon receiving the payment card identifier using a client processor-based device from a ticket venue network address defined as an identifier for a node or a network interface of a telecommunications network associated with the ticket, wherein the ticket venue network address is located after the card holder has physically passed through the at least one security checkpoint; and

increasing the probability of rejection of the payment card in response to failing to receiving the payment card identifier using a client processor-based device from the ticket venue network address defined as the identifier for the node or the network interface of the telecommunications network associated with the ticket.

15. The computer-implemented method of claim 5 , wherein the updating the payment card profile associated with the payment card includes authorizing use of the payment card in a destination region only with destination information from the ticket.

16. The payment card fraud management system of claim 12 , wherein the updating the payment card profile associated with the payment card includes authorizing use of the payment card in a destination region only with destination information from the ticket.

17. The non-transitory computer program product for managing payment card transactions of claim 14 , wherein the updating the payment card profile associated with the payment card includes authorizing use of the payment card in a destination region only with destination information from the ticket.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 10, 2014
From: KOZLOSKI, JAMES R.; PICKOVER, CLIFFORD A.
To: INTERNATIONAL BUSINESS MACHINES CORPORATION
Reel/Frame 032394/0441 →
Continuity (1)
Related Publication 20150178733A1 · Jun 25, 2015