System, Method and Apparatus For Detecting Absent Airline Itineraries
First Claim
Patent Images
1. A real-time method of detecting absent travel itineraries, the method comprising:
- receiving, via a network interface, transaction data from a merchant bank, the transaction data including a primary account number associated with a cardholder and one or more of a merchant category code, a merchant name, and/or a merchant identifier;
receiving, via the network interface, registered travel information from one or more third party platform;
determining, using a processor, that a transaction of the received transaction data is a travel transaction based on at least the merchant category code, the merchant name, and/or the merchant identifier;
comparing, using the processor, the transaction information of the travel transaction to the received registered travel information to identify whether any registered travel record is missing; and
notifying the cardholder via the network interface if any registered travel record is missing for the travel transaction.
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Abstract
A system, method, and non-transitory computer-readable storage medium to detect absent airline itineraries.
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Citations
20 Claims
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1. A real-time method of detecting absent travel itineraries, the method comprising:
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receiving, via a network interface, transaction data from a merchant bank, the transaction data including a primary account number associated with a cardholder and one or more of a merchant category code, a merchant name, and/or a merchant identifier; receiving, via the network interface, registered travel information from one or more third party platform; determining, using a processor, that a transaction of the received transaction data is a travel transaction based on at least the merchant category code, the merchant name, and/or the merchant identifier; comparing, using the processor, the transaction information of the travel transaction to the received registered travel information to identify whether any registered travel record is missing; and notifying the cardholder via the network interface if any registered travel record is missing for the travel transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system of detecting absent travel itineraries, the system comprising:
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a network interface that receives transaction data from a merchant bank and travel information from one or more of a Global Distribution System database and a Billing Service Provider database, the transaction data including a primary account number associated with a cardholder and one or more of a merchant category code, a merchant name, and/or a merchant identifier; a determining unit configured to determine that a transaction of the received transaction data is a travel transaction based on at least the merchant category code, the merchant name, and/or the merchant identifier; a comparison unit configured to compare the transaction information of the travel transaction to the received travel information to determine if any registered travel record is missing; and a notification unit configured to notify the cardholder if any registered travel record is missing for the travel transaction. - View Dependent Claims (9, 10, 11, 12, 13)
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14. A non-transitory computer readable medium encoded with data and instructions that, when executed by a computing device cause the computing device to:
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receive, via a network interface, transaction data from a merchant bank, the transaction data including a primary account number associated with a cardholder and one or more of a merchant category code, a merchant name, and/or a merchant identifier; receive, via the network interface, registered travel information from one or more of a Global Distribution System database and a Billing Service Provider database; determine, using a processor of the computing device, that a transaction of the received transaction data is a travel transaction based on at least the merchant category code, the merchant name, and/or the merchant identifier; compare, using the processor, the transaction information of the travel transaction to the received registered travel information to determine if any registered travel record is missing; and notify the cardholder if any registered travel record is missing for the travel transaction, via the network interface. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification