SYSTEMS AND METHODS TO ENHANCE SECURITY IN TRANSACTIONS

• US 20140040051A1
• Filed: 08/01/2013
• Published: 02/06/2014
• Est. Priority Date: 08/01/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ovick, Joseph Bjorn, Carlson, Mark, Hagey, Ryan, Reid, Margaret, Stan, Patrick, Wright, Patrick, Koganti, Krishna Prasad, Powell, Glenn
• Granted Patent: US 9,626,678 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06V 40/166 using acquisition arrangements
• CPC Class Codes: G06V 40/172 Classification, e.g. identification
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07G 3/003 Anti-theft control theft alarms G08B13/00

Abstract

A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.

Claims

1. A computer-implemented method, comprising:

processing, by a computing apparatus, authorization of a transaction in a payment account, the transaction initiated at a transaction terminal using account information of the payment account;

during the processing of the authorization of the transaction, obtaining in the computing apparatus an image from a digital camera coupled with the transaction terminal;

determining, by the computing apparatus, a communication reference associated with the account information of the payment account; and

transmitting, by the computing apparatus, the image to the communication reference.

2. The method of claim 1, further comprising:

providing an indicator in a response to an authorization request for the transaction, the indicator provided in accordance with a preference stored in association with the account information of the payment account;

wherein the transaction terminal is configured to use the digital camera to capture the image in accordance with the indicator.

3. The method of claim 2, wherein the obtaining the image comprises receiving the image from the transaction terminal via a portal coupled with a transaction handler of a payment processing network.

4. The method of claim 1, further comprising:

receiving, in the transaction terminal, an authorization response for the transaction;

determining, by the transaction terminal, whether the authorization response containing a predetermined indicator; and

in response to a determination that the predetermined indicator is present in the authorization response, capturing the image by the transaction terminal using the digital camera.

5. The method of claim 1, wherein the image is transmitted, together with an authorization request for the transaction, to a portal of the transaction handler;

and the authorization request identifies an acquirer processor associated with the transaction terminal.

6. The method of claim 5, further comprising:

determining whether to approve or reject the transaction based at least in part on the image.

7. The method of claim 6, further comprising:

in response to the transaction being approved, communicating the transaction to the acquirer processor associated with the transaction terminal;

wherein the authorization request is received in the portal without going through the acquirer processor.

8. The method of claim 1, further comprising:

receiving in the transaction terminal the communication reference transmitted via a response to an authorization request for the transaction.

9. The method of claim 8, wherein the transaction terminal is configured to transmit the image to the communication reference provided in the response to the authorization request.

10. The method of claim 9, further comprising:

receiving, from a user device, the image transmitted to the communication reference; and

storing the image in association with a transaction record of the transaction.

11. A computing apparatus having at least one processor and a memory storing instructions configured to instruct the at least one processor to at least:

store, in the computing apparatus, a communication reference in association with account information of a payment account;

store, in the computing apparatus, a security preference in association with the account information of the payment account;

receive, in the computing apparatus, an authorization request for a transaction in the payment account, the transaction initiated at a transaction terminal by a user using the account information of the payment account;

in connection with processing of the authorization request, communicate, by the computing apparatus and in accordance with the security preference stored in association with the account information, with the transaction terminal to transmit, to the communication reference stored in association with the account information of the payment account, a facial image of the user using the account information at the transaction terminal to make the transaction, wherein the facial image of the user is captured by a digital camera integrated in the transaction terminal.

12. The computing apparatus of claim 11, comprising:

a data warehouse configured to store the communication reference in association with the account information of the payment account, and to store security preference in association with the account information of the payment account; and

a transaction handler configured to process the authorization request.

13. The computing apparatus of claim 12, wherein the transaction handler is configured to provide, in accordance with the security preference specified by a user of the payment account, a security indicator in a response to the authorization request, the security indicator causing the transaction terminal to capture the facial image of the user.

14. The computing apparatus of claim 12, further comprising:

a portal configured to receive the authorization request that contains the facial image, wherein the transaction handler is configured to push the transaction to an acquirer processor associated with the transaction terminal.

15. The computing apparatus of claim 12, wherein the transaction handler is configured to provide the communication reference in a response to the authorization request, the communication reference provided in the response causing the transaction terminal to transmit the facial image of the user to the communication reference.

16. A transaction terminal, comprising:

a digital camera;

at least one processor; and

a memory storing instructions configured to instruct the at least one processor to;

receive an authorization response for a transaction in a payment account, the transaction initiated at the transaction terminal using account information of the payment account;

determine, based on the authorization response, whether to use the digital camera to capture an image of a user using the account information of the payment account at the transaction terminal; and

in response to a determination that the authorization response requires an image of the user, obtain a facial image of the user from the digital camera.

17. The transaction terminal of claim 16, wherein the instructions are further configured to instruct the at least one processor to transmit the facial image of the user to a portal coupled with a data warehouse in which a communication reference is stored in association with the account information.

18. The transaction terminal of claim 17, wherein the portal is configured to send the facial image of the user to the communication reference stored in the data warehouse in association with the account information used by the user at the transaction terminal.

19. The transaction terminal of claim 16, wherein the instructions are further configured to instruct the at least one processor to extract a communication reference from the authorization request and transmit the facial image to the communication reference.

20. The transaction terminal of claim 16, wherein the instructions are further configured to instruct the at least one processor to present the facial image to a cashier at the transaction terminal.