Granted Patent B2

US 11,308,499 · App. 16/705,383 · Granted Apr 19, 2022

Inventors: Kevin Horgan (Dundee, GB); Gordon D. Chisholm (Perth, GB); Campbell Benn (Dundee, GB)

Assignee: NCR Corporation

G06Q20/4016G06Q20/1085G07F19/203G07F19/207

Abstract

Claims (13)

1. A Self-Service Terminal (SST), comprising:

a controller comprising at least one processor and a memory, the processor executes authentication commands and issues dispense commands associated with requested transactions being processed, wherein the controller is coupled to a dispenser and a data entry pad;

the data entry pad to receive authentication information from a customer, wherein the authentication information is processed by the controller with the authentication commands; and

the dispenser comprises the at least one processor to dispense media, wherein the at least one processor that is configured to:

monitor the authentication commands executing on the controller;

monitor the dispense commands issued from the controller;

generate a pattern of the monitored authentication and dispense commands against each requested transaction;

compare the generated pattern to known patterns corresponding to potential fraud; and

place the dispenser in a suspend mode when the generated pattern matches a known pattern corresponding to the potential fraud.

2. The SST of claim 1 wherein one pattern of the potential fraud comprises a number of the dispense commands within an identified time period.

3. The SST of claim 1 wherein the number of the dispense commands comprises n, and the identified time period is n times an average transaction time, wherein n is greater than or equal to 4.

4. The SST of claim 1 wherein one pattern of the potential fraud comprises a number of consecutive dispense commands associated with a same account number.

5. The SST of claim 1 wherein one pattern of the potential fraud comprises a pattern of multiple dispense commands without corresponding cardholder authentication commands.

Assignments (7)