Bank card fraud detection and/or prevention methods

(12) United States Patent

US008036967B2

(10) Patent No.: US 8,036,967 B2

Adams (45) Date of Patent: Oct. 11, 2011 (54) BANK CARD FRAUD DETECTION AND/OR 1 Ehallenef HI 1 eresman, et a . PREVENTION METHODS 2004/0128195 A1 7/2004 Sorem _ 2004/0177035 A1 9/2004 Silva (75) Inventor: Dean A. Adams, W1nston-Salem, NC 2006/0064380 A1 3/2006 Zukerman (US) 2006/0080230 A1 4/2006 Freiberg 2009/0048934 A1* 2/2009 Haddad et al. ................ .. 705/17 (73) AssigneeZ €]1_legta°YSF‘ideraI1I(C3r(‘b‘Sit) Unimls FOREIGN PATENT DOCUMENTS 1ns on- a em ’ WO WO 03038666 5/2003 ( * ) Notice: Subject to any disclaimer, the term of this OTHER PUBLICATIONS patent is extended or adjusted under 35 _ “ _ _ _ ” U S C 1 5 4 (b) by 412 days Felix, June; F1ght1ng Bank Fraud With a Strong Defense ; ' ' ' ' USBanker,V114n11, pp. 72, Nov. 2004, ISSN: 0148-8848* _ Business Wire; “Sucess with Falcon Solution Prompts Sears to (21) APPL NO" 11/9551482 Renew Agreement With HNC Software; Premier Retail Card Issuer (22) F1 d D 13 2007 to Expand Falcon System’s Use”; p. 0447; Jul. 3 1, 2000; Supplier No. 1e 3 ec- 1 63753511.* Business Wire; “Retail Decisions to Provide Internet Fraud Preven(65) Prior Publication Data tion Services for Leading Telephony Company, DotCom Technologies”, May 9, 2000* US 2008/0172316A1 Jul. 17,2008 * _ db _ c1te y exam1ner (51) Int. Cl. _ _ _ _ G06Q 40/00 (200601) Pnmary Exammer * Alexander K2ll1I1OWSl<1 (52) U.S. Cl. ....................................................... .. 705/35 Assislanl Examiner * Edward Chang (58) Field of Classification Search ................... .. 705/35 gIj‘fiCA”0r”ey1 Age“ or Firm T SP11man Thomas & Battle, See application file for complete search history. . (57) ABSTRACT (56) References Cited Bank card fraud detection and/or prevention methods can U.S. PATENT DOCUMENTS generally involve determining a common point of compro5,852,811 A 12/1998 Atkins mise and/or identifying merchants associated with bankcard 5,884,289 A 3/ 1999 Anderson et al. transaction frequencies which exceed a predetermined 5,987,140 A * 11/ 1999 ROWIIGY eH11~ threshold value which is indicative of potentially fraudulent Q1 (Aslfgierjlon et a1‘ """"""" " 705/44 bank card activity. These methods can further involve identi633303546 B1 12/2001 G:)p(i)Ir1athan et al‘ fying other bank cards used at the common point of compro7,617,133 Bl * 11/2009 Antony et al. ............. .. 705/26.7 m15e2002/0156724 A1 10/2002 Levchin et al. 2002/0161701 A1 10/2002 Warmack 18 Claims, 5 Drawing Sheets 23% ’Z,’P \ , g Qard Database % 9' Gelallmerv.-hann: wlmhavca ‘;::.:‘:".:::::." / 5* Mlblvmlfi i::m:a:"" § P .w.mmm /