Time-dependent response to user-determined unauthorized transaction
First Claim
Patent Images
1. A method comprising:
- sending, using a server computer, a transaction notification message to a user after a transaction is attempted on a joint account by an unauthorized person using an account identifier associated with a portable consumer device, wherein the user is a first accountholder of the account, wherein the transaction notification message is sent by the server computer after an, initiation of the attempted transaction;
receiving a response indicator from the user that the attempted transaction is not authorized by the user;
determining a time difference between a present time and a time that the transaction attempt occurred;
comparing, using at least one processor operatively coupled with a memory, the time difference to a time threshold;
based on whether the tune difference is within the time threshold, taking corrective authoritative action;
receiving additional response indicators from other accountholders of the account that the transaction attempt is authorized or is not authorized;
comparing a number of the response indicators that the transaction attempt was not authorized to a number of response indicators that the transaction attempt was authorized, the numbers of response indicators including the response indicator from the first accountholder, the response indicator from a second accountholder, and the additional response indicators from the other accountholders;
determining whether first accountholder can veto a transaction on the account; and
based on a determination that the number of response indicators indicating that the transaction attempt was authorized outvote the number of response indicators indicating that the transaction attempt was not authorized, and based on a determination that the first accountholder cannot veto a transaction on the account, sending a message to an authority to disregard a previously sent alert.
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Accused Products
Abstract
A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a transaction has just taken place and is given an opportunity to indicate that he or she did not authorize the transaction. If so indicated, and depending on how recent the transaction was (e.g. 15 seconds ago) then an alert is automatically sent to the merchant, store security, or local police. In addition, a store camera can be automatically activated to zoom in and record the perpetrator of the fraudulent transaction.
17 Citations
18 Claims
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1. A method comprising:
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sending, using a server computer, a transaction notification message to a user after a transaction is attempted on a joint account by an unauthorized person using an account identifier associated with a portable consumer device, wherein the user is a first accountholder of the account, wherein the transaction notification message is sent by the server computer after an, initiation of the attempted transaction; receiving a response indicator from the user that the attempted transaction is not authorized by the user; determining a time difference between a present time and a time that the transaction attempt occurred; comparing, using at least one processor operatively coupled with a memory, the time difference to a time threshold; based on whether the tune difference is within the time threshold, taking corrective authoritative action; receiving additional response indicators from other accountholders of the account that the transaction attempt is authorized or is not authorized; comparing a number of the response indicators that the transaction attempt was not authorized to a number of response indicators that the transaction attempt was authorized, the numbers of response indicators including the response indicator from the first accountholder, the response indicator from a second accountholder, and the additional response indicators from the other accountholders; determining whether first accountholder can veto a transaction on the account; and based on a determination that the number of response indicators indicating that the transaction attempt was authorized outvote the number of response indicators indicating that the transaction attempt was not authorized, and based on a determination that the first accountholder cannot veto a transaction on the account, sending a message to an authority to disregard a previously sent alert. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A machine-readable non-transitory storable medium embodying information indicative of instructions for causing one or more machines to perform operations, the instructions comprising:
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instructions for sending, using a server computer, a transaction notification message to a user after a transaction is attempted on a joint account by an unauthorized person using an account identifier associated with a portable consumer device, wherein the user is a first accountholder of the account, wherein the transaction notification message is sent by the server computer after an initiation of the attempted transaction; instructions for receiving a response indicator from the user that the attempted transaction is not authorized by the user; instructions for determining a time difference between a present time and a time that the transaction attempt occurred; instructions for comparing, using at least one processor operatively coupled with a memory, the time difference to a time threshold; instructions for, based on whether the time difference is within the time threshold, taking corrective authoritative action; instructions for receiving additional response indicators from other accountholders of the account that the transaction attempt is authorized or is not authorized; instructions for comparing a number of the response indicators that the transaction attempt was not authorized to a number of response indicators that the transaction attempt was authorized, the numbers of response indicators including the response indicator from the first accountholder, the response indicator from a second accountholder, and the additional response indicators from the other accountholders; instructions for determining whether the first accountholder can veto a transaction on the account; and instructions for, based on a determination that the number of response indicators indicating that the transaction attempt was authorized outvote the number of response indicators indicating that the transaction attempt was not authorized, and based on a determination that the first accountholder cannot veto a transaction on the account, sending a message to an authority to disregard a previously sent alert.
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18. A computer system executing instructions in a computer program, the computer system comprising:
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at least one processor; and a memory operatively coupled with the at least one processor, the processor executing instructions comprising; program code for sending, using a server computer, a transaction notification message to a user after a transaction is attempted on a joint account by an unauthorized person using an account identifier associated with a portable consumer device, wherein the user is a first accountholder of the account, wherein the transaction notification message is sent by the server computer after an initiation of the attempted transaction; program code for receiving a response indicator from the user that the attempted transaction is not authorized by the user; program code for determining a time difference between a present time and a time that the transaction attempt occurred; program code for comparing, using at least one processor operatively coupled with a memory, the time difference to a time threshold; program code for, based on whether the time difference is within the time threshold, taking corrective authoritative action; program code for receiving additional response indicators from other accountholders of the account that the transaction attempt is authorized or is not authorized; program code for comparing a number of the response indicators that the transaction attempt was not authorized to a number of response indicators that the transaction attempt was authorized, the numbers of response indicators including the response indicator from the first accountholder, the response indicator from a second accountholder, and the additional response indicators from the other accountholders; program code for determining whether the first accountholder can veto a transaction on the account; and program code for, based on a determination that the number of response indicators indicating that the transaction attempt was authorized outvote the number of response indicators indicating that the transaction attempt was not authorized, and based on a determination that the first accountholder cannot veto a transaction on the account, sending a message to an authority to disregard a previously sent alert.
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Specification