MONEY TRANSFER FRAUD PREVENTION METHODS AND SYSTEMS
First Claim
Patent Images
1. A financial product package comprising:
- a financial product;
packaging material coupled with the financial product;
a control number printed on the financial product package; and
an authentication grid printed on the financial product package, wherein the authentication grid comprises a plurality of symbols identifiable by row and column identifiers.
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Abstract
Embodiments of the invention provide a fraud deterrent for retail money transfer or stored value product. In some embodiments, a two dimensional grid of number, letters, characters, and/or symbols can be provided retail packaging or cards that can be used as a second authentication factor in order to redeem funds. In some embodiments, methods and/or systems are also provided that associate control numbers with the grid, create the grid, provide the grid on packaging, and/or use the grid to authenticate a customer.
38 Citations
23 Claims
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1. A financial product package comprising:
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a financial product; packaging material coupled with the financial product; a control number printed on the financial product package; and an authentication grid printed on the financial product package, wherein the authentication grid comprises a plurality of symbols identifiable by row and column identifiers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
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receiving a control number; generating a hash value from the control number using a cryptographic function, wherein the hash value comprises a string of characters; generating an authentication grid using characters from the hash value, wherein the authentication grid comprises a plurality of the string of characters identifiable by row and column identifiers; and printing the authentication grid and/or the control number on a financial product package that comprises either or both a financial product and packaging material. - View Dependent Claims (13, 14, 15, 16, 17)
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18. A method comprising:
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receiving a control number from a consumer; producing a representation of an authentication grid using the control number, wherein the authentication grid comprises a plurality of symbols identifiable by row and column identifiers; identifying a specific row identifier and a specific column identifier; sending to the consumer a request to provide the symbol associated with the specific row identifier and the specific column identifier; receiving a response from the consumer that includes a response symbol; comparing the response symbol with the symbol in the authentication grid associated with the specific row identifier and the specific column identifier; and in the event the response symbol and the symbol in the authentication grid associated with the specific row identifier and the specific column identifier match, authenticate the consumer. - View Dependent Claims (19, 20, 21, 22, 23)
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Specification