System, method and apparatus for detecting absent airline itineraries

• US 10,255,561 B2
• Filed: 05/14/2015
• Issued: 04/09/2019
• Est. Priority Date: 05/14/2015
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Howe, Justin Xavier
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US14/712,766
• Publication Number:
  US 20160335566A1
• Time in Patent Office: 1,426 Days
• Field of Search: 705 5, 705 6, 705 7, 705 14, 705307, 701117, 701533, 709217, 715771, 340990, 235384
• CPC Class Codes: G06Q 10/025 Coordination of plural reservations, e.g. plural trip segments, transportation combined with accommodation
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A system, method, and non-transitory computer-readable storage medium to detect absent airline itineraries.

Claims

1. A method comprising:

receiving, via a network interface, from a merchant bank, payment transaction data comprising a primary account number associated with a cardholder, a merchant category code, a merchant name, and a merchant identifier;

receiving, via the network interface, from at least one third party data source, registered travel information comprising a plurality of travel transaction records, wherein each of the plurality of travel transaction records comprises a name and a ticket price, and wherein the at least one third party data source is either a network that enables transactions between travel service providers and travel reservation agents or a network that facilitates payment processing for travel service providers;

determining, using a processor, based on one or more of the merchant category code, the merchant name, or the merchant identifier, that the payment transaction data is a travel transaction record;

determining that the payment transaction data is inaccurate or incomplete by;

determining, using the processor, based on the payment transaction data and the registered travel information, that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data;

and

responsive to determining that the payment transaction data is inaccurate or incomplete, transmitting, via the network interface an automated alert to the cardholder.

2. The method of claim 1, wherein transmitting the automated alert to the cardholder comprises:

determining, using the processor, cardholder contact information based on the primary account number; and

transmitting, via the network interface, based on the cardholder contact information, the automated alert to the cardholder.

3. The method of claim 2, wherein transmitting the automated alert to the cardholder comprises transmitting, via the network interface, one or more of an e-mail, a text message, or a voice message.

4. The method of claim 1, wherein the payment transaction data further comprises a transaction amount, and wherein determining that the payment transaction data is a travel transaction record comprises:

determining, with the processor, that one or more of the merchant category code, the merchant name, or the merchant identifier are associated with a travel service provider or a travel reservation agent; and

determining, with the processor, that the transaction amount is greater than or equal to a predefined threshold value.

5. The method of claim 1, wherein the registered travel information is received after the payment transaction data is received.

6. The method of claim 1, wherein transmitting an automated alert to the cardholder comprises:

transmitting, via the network interface, to an issuer associated with the cardholder, a message indicating that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data, wherein the message comprises an instruction to alert the cardholder to contact the issuer.

7. The method of claim 6, wherein the issuer is a financial institution.

8. A system comprising:

a network interface configured to receive;

payment transaction data from a merchant bank, wherein the payment transaction data comprises a primary account number associated with a cardholder, a merchant category code, a merchant name, and a merchant identifier, and

registered travel information from one or more of a Global Distribution System database or a Billing Service Provider database, wherein the registered travel information comprises a plurality of travel transaction records, wherein each of the plurality of travel transaction records comprises a name and a ticket price;

a determining unit configured to determine, based on one or more of the merchant category code, the merchant name, or the merchant identifier, that the payment transaction data is a travel transaction record;

the determining unit further configured to determine that the payment transaction data is inaccurate or incomplete by;

determining, based on the payment transaction data and the registered travel information, that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data is not associated with any of the travel transaction records;

and

a transmitter configured to transmit, responsive to determining that the payment transaction data is inaccurate or incomplete, an automated alert to the cardholder.

9. The system of claim 8, wherein the determining unit is further configured to determine cardholder contact information, based on the primary account number, and the transmitter is further configured to transmit the automated alert to the cardholder based on the cardholder contact information.

10. The system of claim 9, wherein the transmitter is further configured to transmit the automated alert as one or more of an e-mail, a text message, or a voice message.

11. The system of claim 8, wherein the payment transaction data further comprises a transaction amount, and wherein determining that the payment transaction data is associated with a travel transaction record comprises:

the determining unit further configured to determine that one or more of the merchant category code, the merchant name, or the merchant identifier are associated with a travel service provider or a travel reservation agent, and

the determining unit further configured to determine that the transaction amount is greater than or equal to a predefined threshold value.

12. The system of claim 8, wherein the network interface is configured to receive the registered travel information after the payment transaction data is received.

13. The system of claim 8, wherein the transmitter is further configured to transmit, to an issuer associated with the cardholder, a message indicating neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data, wherein the message comprises an instruction to alert the cardholder to contact the issuer.

14. A non-transitory computer readable medium encoded with data and instructions that, when executed by a computing device, cause the computing device to:

receive, via a network interface, from a merchant bank, payment transaction data, comprising a primary account number associated with a cardholder, a merchant category code, a merchant name, and a merchant identifier;

receive, via the network interface, from at least one of a Global Distribution System database or a Billing Service Provider database, registered travel information comprising a plurality of travel transaction records, wherein each of the plurality of travel transaction records comprises a name and a ticket price;

determine, using a processor of the computing device, based on one or more of the merchant category code, the merchant name, or the merchant identifier, that the payment transaction data is a travel transaction record;

determine that the payment transaction data is inaccurate or incomplete by;

determining, using the processor of the computing device, based on the payment transaction data and the registered travel information, that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data;

and

responsive to determining that the payment transaction data is inaccurate or incomplete, transmit, via the network interface, an automated alert to the cardholder.

15. The non-transitory computer readable medium of claim 14, wherein transmitting the automated alert to the cardholder comprises:

determining, using the processor of the computing device, cardholder contact information based on the primary account number; and

transmitting, via the network interface, based on the cardholder contact information, the automated alert to the cardholder.

16. The non-transitory computer readable medium of claim 15, wherein transmitting the automated alert to the cardholder comprises transmitting, via the network interface, one or more of an email, a text message, or a voice message.

17. The non-transitory computer readable medium of claim 14, wherein the payment transaction data further comprises a transaction amount, and wherein determining that the payment transaction data is a travel transaction record comprises:

determining, with the processor, that one or more of the merchant category code, the merchant name, or the merchant identifier are associated with a travel service provider or a travel reservation agent; and

determining, with the processor, that the transaction amount is greater than or equal to a predefined threshold value.

18. The non-transitory computer readable medium of claim 14, wherein transmitting an automated alert to the cardholder comprises:

transmitting, via the network interface, to an issuer associated with the cardholder, a message indicating that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data, wherein the message comprises an instruction to alert the cardholder to contact the issuer.

19. The non-transitory computer readable medium of claim 18, wherein the issuer is a financial institution.

20. The non-transitory computer readable medium of claim 14, wherein the registered travel information is received after the payment transaction data is received.