Dynamic itinerary-driven profiling for preventing unauthorized card transactions
First Claim
1. A computer-implemented method of preventing an unauthorized card transaction via dynamic itinerary-driven profiling, comprising:
- receiving, by a first computing system and from a travel reservation system (TRS) executing on a second computing system, an authorization record, wherein said authorization record includes an identifier of a cardholder to whom a card is issued, an identifier of said card, one or more identifiers that specify an authorized geographic location, an identification of a travel itinerary associated with a trip to be taken by said cardholder, an authorized period of time, and an authorization indicator that indicates that a usage of said card in said authorized geographic location in said authorized period of time is granted, wherein said card is a credit card or a debit card, wherein said card is used by said cardholder for a purchase, via said TRS, of one or more geo-localized travel bookings that specify said travel itinerary, and wherein said travel itinerary specifies that in said trip said cardholder is scheduled to be in said authorized geographic location for said authorized period of time;
storing, by said first computing system and in response to said receiving said authorization record, said authorization record in a profile table included in a database residing on a computer data storage unit;
receiving, by said first computing system and subsequent to said storing, a request for an authorization of a card transaction that is initiated via a usage of said card;
retrieving, by said first computing system, from said request, and in response to said receiving said request for said authorization, said identifier of said card, an identifier of a retrieved location in which said card transaction is initiated and a retrieved date on which said card transaction is initiated;
determining a rejection condition by said first computing system and subsequent to said retrieving from said request, wherein said determining said rejection condition includes;
comparing said retrieved date to said authorized period of time included in said authorization record and to any other authorized period of time included in any other authorization record stored in said profile table;
retrieving one or more authorization records from said profile table based on a result of said comparing said retrieved date, wherein said one or more authorization records include one or more authorized periods of time and one or more authorized geographic locations, wherein each authorized period of time includes said retrieved date, wherein said authorization record is included in said one or more authorization records, wherein said authorized period of time is included in said one or more authorized periods of time, and wherein said authorized geographic location is included in said one or more authorized geographic locations;
comparing said retrieved location to said one or more authorized geographic locations; and
determining that said one or more authorized geographic locations do not include said retrieved location based on a result of said comparing said retrieved location;
rejecting, by said first computing system and in response to said determining said rejection condition, said card transaction; and
sending, by said first computing system and subsequent to said determining said rejection condition, a notification for display on a display device, wherein said notification includes said retrieved location and said retrieved date.
2 Assignments
0 Petitions
Accused Products
Abstract
A method and system for preventing unauthorized card transactions via dynamic itinerary-driven profiling. Authorization record(s) including authorized geographic locations and authorized periods of time are received from a travel reservation system (TRS). The authorization record(s) identify an itinerary specified by a travel booking(s) purchased via the TRS using a debit or credit card. The itinerary specifies that the cardholder is scheduled to be in the authorized geographic locations for the authorized periods of time. In response to receiving a request for an authorization of a card transaction, a location and date associated with the card transaction are retrieved from the request. The card transaction is rejected based on a determination that the retrieved location is not within the authorized geographic locations and/or the retrieved date is not within the authorized periods of time. A notification of the retrieved location and retrieved date is logged and displayed.
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Citations
18 Claims
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1. A computer-implemented method of preventing an unauthorized card transaction via dynamic itinerary-driven profiling, comprising:
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receiving, by a first computing system and from a travel reservation system (TRS) executing on a second computing system, an authorization record, wherein said authorization record includes an identifier of a cardholder to whom a card is issued, an identifier of said card, one or more identifiers that specify an authorized geographic location, an identification of a travel itinerary associated with a trip to be taken by said cardholder, an authorized period of time, and an authorization indicator that indicates that a usage of said card in said authorized geographic location in said authorized period of time is granted, wherein said card is a credit card or a debit card, wherein said card is used by said cardholder for a purchase, via said TRS, of one or more geo-localized travel bookings that specify said travel itinerary, and wherein said travel itinerary specifies that in said trip said cardholder is scheduled to be in said authorized geographic location for said authorized period of time; storing, by said first computing system and in response to said receiving said authorization record, said authorization record in a profile table included in a database residing on a computer data storage unit; receiving, by said first computing system and subsequent to said storing, a request for an authorization of a card transaction that is initiated via a usage of said card; retrieving, by said first computing system, from said request, and in response to said receiving said request for said authorization, said identifier of said card, an identifier of a retrieved location in which said card transaction is initiated and a retrieved date on which said card transaction is initiated; determining a rejection condition by said first computing system and subsequent to said retrieving from said request, wherein said determining said rejection condition includes; comparing said retrieved date to said authorized period of time included in said authorization record and to any other authorized period of time included in any other authorization record stored in said profile table; retrieving one or more authorization records from said profile table based on a result of said comparing said retrieved date, wherein said one or more authorization records include one or more authorized periods of time and one or more authorized geographic locations, wherein each authorized period of time includes said retrieved date, wherein said authorization record is included in said one or more authorization records, wherein said authorized period of time is included in said one or more authorized periods of time, and wherein said authorized geographic location is included in said one or more authorized geographic locations; comparing said retrieved location to said one or more authorized geographic locations; and determining that said one or more authorized geographic locations do not include said retrieved location based on a result of said comparing said retrieved location; rejecting, by said first computing system and in response to said determining said rejection condition, said card transaction; and sending, by said first computing system and subsequent to said determining said rejection condition, a notification for display on a display device, wherein said notification includes said retrieved location and said retrieved date. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A first computing system comprising a processor and a computer-readable memory unit coupled to said processor, said memory unit containing instructions that when executed by said processor implement a method of preventing an unauthorized card transaction via dynamic itinerary-driven profiling, said method comprising:
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receiving, from a travel reservation system (TRS) executing on a second computing system, an authorization record, wherein said authorization record includes an identifier of a cardholder to whom a card is issued, an identifier of said card, one or more identifiers that specify an authorized geographic location, an identification of a travel itinerary associated with a trip to be taken by said cardholder, an authorized period of time, and an authorization indicator that indicates that a usage of said card in said authorized geographic location in said authorized period of time is granted, wherein said card is a credit card or a debit card, wherein said card is used by said cardholder for a purchase, via said TRS, of one or more geo-localized travel bookings that specify said travel itinerary, and wherein said travel itinerary specifies that in said trip said cardholder is scheduled to be in said authorized geographic location for said authorized period of time; storing, in response to said receiving said authorization record, said authorization record in a profile table included in a database residing on a computer data storage unit; receiving, subsequent to said storing, a request for an authorization of a card transaction that is initiated via a usage of said card; retrieving, from said request and in response to said receiving said request for said authorization, said identifier of said card, an identifier of a retrieved location in which said card transaction is initiated and a retrieved date on which said card transaction is initiated; determining a rejection condition subsequent to said retrieving from said request, wherein said determining said rejection condition includes; comparing said retrieved date to said authorized period of time included in said authorization record and to any other authorized period of time included in any other authorization record stored in said profile table; retrieving one or more authorization records from said profile table based on a result of said comparing said retrieved date, wherein said one or more authorization records include one or more authorized periods of time and one or more authorized geographic locations, wherein each authorized period of time includes said retrieved date, wherein said authorization record is included in said one or more authorization records, wherein said authorized period of time is included in said one or more authorized periods of time, and wherein said authorized geographic location is included in said one or more authorized geographic locations; comparing said retrieved location to said one or more authorized geographic locations; and determining that said one or more authorized geographic locations do not include said retrieved location based on a result of said comparing said retrieved location; rejecting, in response to said determining said rejection condition, said card transaction; and sending, subsequent to said determining said rejection condition, a notification for display on a display device, wherein said notification includes said retrieved location and said retrieved date. - View Dependent Claims (10, 11)
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12. A computer program product, comprising a computer-readable, tangible storage device having a computer-readable program code stored therein, said computer-readable program code containing instructions that when executed by a processor of a first computing system implement a method of preventing an unauthorized card transaction via dynamic itinerary-driven profiling, said method comprising:
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receiving, from a travel reservation system (TRS) executing on a second computing system, an authorization record, wherein said authorization record includes an identifier of a cardholder to whom a card is issued, an identifier of said card, one or more identifiers that specify an authorized geographic location, an identification of a travel itinerary associated with a trip to be taken by said cardholder, an authorized period of time, and an authorization indicator that indicates that a usage of said card in said authorized geographic location in said authorized period of time is granted, wherein said card is a credit card or a debit card, wherein said card is used by said cardholder for a purchase, via said TRS, of one or more geo-localized travel bookings that specify said travel itinerary, and wherein said travel itinerary specifies that in said trip said cardholder is scheduled to be in said authorized geographic location for said authorized period of time; storing, in response to said receiving said authorization record, said authorization record in a profile table included in a database residing on a computer data storage unit; receiving, subsequent to said storing, a request for an authorization of a card transaction that is initiated via a usage of said card; retrieving, from said request and in response to said receiving said request for said authorization, said identifier of said card, an identifier of a retrieved location in which said card transaction is initiated and a retrieved date on which said card transaction is initiated; determining a rejection condition subsequent to said retrieving from said request, wherein said determining said rejection condition includes; comparing said retrieved date to said authorized period of time included in said authorization record and to any other authorized period of time included in any other authorization record stored in said profile table; retrieving one or more authorization records from said profile table based on a result of said comparing said retrieved date, wherein said one or more authorization records include one or more authorized periods of time and one or more authorized geographic locations, wherein each authorized period of time includes said retrieved date, wherein said authorization record is included in said one or more authorization records, wherein said authorized period of time is included in said one or more authorized periods of time, and wherein said authorized geographic location is included in said one or more authorized geographic locations; comparing said retrieved location to said one or more authorized geographic locations; and determining that said one or more authorized geographic locations do not include said retrieved location based on a result of said comparing said retrieved location; rejecting, in response to said determining said rejection condition, said card transaction; and sending, subsequent to said determining said rejection condition, a notification for display on a display device, wherein said notification includes said retrieved location and said retrieved date. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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Specification