Bank card fraud protection system
First Claim
1. A computer-implemented method comprising:
- receiving account identification information;
receiving a personal identification code from a user of a bank card machine;
using the account identification information to identify a bank account;
determining whether the received personal identification code matches a first personal identification code associated with the bank account;
performing a verification procedure to determine whether the user intended to enter a personal identification code that matches the first personal identification code, if it is determined that the received personal identification code matches the first personal identification code, wherein performing the verification includes,displaying a reduced balance that is significantly lower than the actual balance of the bank account, anddetermining that the user intended to enter the personal identification code that matches the first personal identification code if the user continues with a transaction after the reduced balance is displayed; and
initiating one or more fraud protection procedures, if it is determined that the received personal identification code matches the first personal identification code and if it is determined through the verification procedure that the user intended to enter a personal identification code that matches the first personal identification code.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for protecting against bank card fraud and related crimes by providing a distress/fraud trigger at bank card machines, such as automated teller machines and point-of-sale terminals. The trigger initiates certain heightened-security processes designed to stop the crime, control damage, and help apprehend the criminal. For example, in one embodiment, the trigger involves the cardholder inputting a “panic” personal identification code into the bank card machine. The panic personal identification code indicates to a party involved in the bank card transaction that a fraudulent transaction may be taking place. The heightened-security processes may include, for example, displaying that the bank card machine is out-of-order, dispensing money with a GPS tracking device, requesting additional identification steps, instituting delay tactics, notifying on-site personnel, or forwarding audio or video information from the bank card machine to a bank'"'"'s command center in real time or near real time.
46 Citations
25 Claims
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1. A computer-implemented method comprising:
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receiving account identification information; receiving a personal identification code from a user of a bank card machine; using the account identification information to identify a bank account; determining whether the received personal identification code matches a first personal identification code associated with the bank account; performing a verification procedure to determine whether the user intended to enter a personal identification code that matches the first personal identification code, if it is determined that the received personal identification code matches the first personal identification code, wherein performing the verification includes, displaying a reduced balance that is significantly lower than the actual balance of the bank account, and determining that the user intended to enter the personal identification code that matches the first personal identification code if the user continues with a transaction after the reduced balance is displayed; and initiating one or more fraud protection procedures, if it is determined that the received personal identification code matches the first personal identification code and if it is determined through the verification procedure that the user intended to enter a personal identification code that matches the first personal identification code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A system comprising:
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a communication interface communicably coupled to a bank card machine and configured to receive bank card information and a personal identification code from the bank card machine; a memory device comprising information about a plurality of bank accounts, wherein the information for one or more of the bank accounts includes account identification information and a first personal identification code; and a computing processor operatively coupled to the communication interface and the memory device, wherein the processor is configured to identify a bank account from the plurality of bank of accounts based on the received bank card information and determine whether the received personal identification code matches the first personal identification code associated with the bank account, wherein the processor is further configured, if it is determined that the received personal identification code matches the first personal identification code, to display a reduced balance that is significantly lower than the actual balance of the bank account and determine that a user intended to enter the personal identification code that matches the first personal identification code if the user continues with a transaction after the reduced balance is displayed, and wherein the processor is configured to initiate one or more fraud protection procedures, if it is determined that the received personal identification code matches the first personal identification code and if it is determined through the verification procedure that the user intended to enter a personal identification code that matches the first personal identification code. - View Dependent Claims (21, 22, 23, 24, 25)
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Specification