Systems and methods for identifying information related to payment card breaches
Approaches for determining a potential merchant breach are described. A system can acquire card transaction data from one or more sources such as merchants or financial institutions, in some instances at a predetermined time interval. Cards associated with the card transaction data can be analyzed to determine the health of a particular card, including the likelihood that the particular card has been compromised. A set of cards are accumulated, and their associated health data is stored. Based on the information obtained from a source, and the health associated with a set of cards, a potential date where a merchant was breached can be determined and fraudulent purchases can be prevented.
1. A system for determining a merchant breach, the system comprising:
a memory device configured to store a set of instructions; and
one or more processors configured to execute the set of instructions that cause the one or more processors to:
acquire card transaction data from one or more merchants;
store information relating to payment cards associated with the card transaction data, wherein information identifying cards used at a particular merchant is collected at a particular time interval and stored in a database;
for at least some of the payment cards, determine at least one value indicative of card health and store the determined values for the payment cards;
accumulate card health data for the payment cards based on the determined at least one value indicative of card health;
store the accumulated card health data;
identify a potential merchant breach based on a comparison between the accumulated card health data and the stored information relating to payment cards associated with the card transaction data; and
display in a graph of a graphical user interface of the system at least a portion of the accumulated card health data and the card transaction data indicating the potential merchant breach.
2. The system of claim 1 , wherein:
the acquisition of the card transaction data is performed at a first predetermined periodic interval; and
the determination of the at least one value indicative of card health is performed at a second predetermined periodic interval.
3. The system of claim 1 , wherein the card health is re-determined at least once for each of the payment cards.
4. The system of claim 1 , wherein the card health values are stored based on a transaction date.
5. The system of claim 1 , wherein a merchant breach is identified by determining the accumulated card health indicator values and identifying a concentration of abnormal card health indicator values within a particular date range.
6. They system of claim 1 , wherein the comparison between the accumulated card health data and the stored information includes comparing the times at which card health data of the cards associated with the accumulated card health data changed and one or more common merchants included in the stored information.
7. A method for determining a merchant breach, the method comprising:
acquiring card transaction data from one or more merchants;
storing information relating to payment cards associated with the card transaction data, wherein information identifying cards used at a particular merchant is collected at a particular time interval and stored in a database;
for at least some of the payment cards, determining at least one value indicative of card health and store the determined values for the payment cards;
accumulating card health data for the payment cards based on the determined at least one value indicative of card health;
storing the accumulated card health data;
identifying a potential merchant breach based on a comparison between the accumulated card health data and the stored information relating to payment cards associated with the card transaction data; and
displaying in a graph of a graphical user interface of the system at least a portion of the accumulated card health data and the card transaction data indicating the potential merchant breach.
8. The method of claim 7 , wherein:
the acquisition of the card transaction data is performed at a first predetermined periodic interval; and
the determination of the at least one value indicative of card health is performed at a second predetermined periodic interval.
9. The method of claim 7 , wherein the card health is re-determined at least once for each of the payment cards.
10. The method of claim 7 , wherein the card health values are stored based on a transaction date.
11. The method of claim 7 , wherein a merchant breach is identified by determining the accumulated card health indicator values and identifying a concentration of abnormal card health indicator values within a particular date range.
12. The method of claim 7 , wherein the comparison between the accumulated card health data and the stored information includes comparing the times at which card health data of the cards associated with the accumulated card health data changed and one or more common merchants included in the stored information.
13. A non-transitory computer-readable medium storing a set of instructions that are executable by one or more processors to cause the one or more processors to perform a method to determine a merchant breach, the method comprising:
acquiring card transaction data from one or more merchants;
storing information relating to payment cards associated with the card transaction data, wherein information identifying cards used at a particular merchant is collected at a particular time interval and stored in a database;
for at least some of the payment cards, determining at least one value indicative of card health and store the determined values for the payment cards;
accumulating card health data for the payment cards based on the determined at least one value indicative of card health;
storing the accumulated card health data;
identifying a potential merchant breach based on a comparison between the accumulated card health data and the stored information relating to payment cards associated with the card transaction data; and
displaying in a graph of a graphical user interface of the system at least a portion of the accumulated card health data and the card transaction data indicating the potential merchant breach.
14. The method of claim 13 , wherein:
the acquisition of the card transaction data is performed at a first predetermined periodic interval; and
the determination of the at least one value indicative of card health is performed at a second predetermined periodic interval.
15. The method of claim 13 , wherein the card health is re-determined at least once for each of the payment cards.
16. The method of claim 13 , wherein the card health values are stored based on a transaction date.
17. The method of claim 13 , wherein the comparison between the accumulated card health data and the stored information includes comparing the times at which card health data of the cards associated with the accumulated card health data changed and one or more common merchants included in the stored information.