Credit and debit fraud card usage monitoring for transit

Patent metadata

Field	Value
Publication number	US-10049364-B2
Application number	US-201514960088-A
Country	US
Kind code	B2
Filing date	Dec 4, 2015
Priority date	Dec 4, 2014
Publication date	Aug 14, 2018
Grant date	Aug 14, 2018

Abstract

A method for detecting fraudulent use of a payment media using a transit server includes receiving, at a transit server, an input from a payment media as part of a payment transaction at a first transit fare vending machine. The input includes an account identifier associated with a payment account of the payment media. Authentication information is received and an authentication request is communicated to an issuer of the payment account. The authentication request includes the account identifier. Information indicative of improper use of the payment media is received from one or more of a second transit fare vending machine or the issuer of the payment account. A determination is made, based on the information, that the payment media is being used improperly. An improper use alert is communicated to an enforcement authority. The improper use alert includes identification information related to the payment transaction.

First claim

What is claimed is:

1. A method for detecting fraudulent use of a payment media using a transit server, the method comprising:
receiving, at a transit server, an input from a payment media as part of a payment transaction at a first transit fare vending machine, the input comprising an account identifier associated with a payment account of the payment media;
receiving, at the transit server, authentication information;
communicating, by the transit server, an authentication request to an issuer of the payment account, the authentication request comprising the account identifier;
receiving, at the transit server, information indicative of improper use of the payment media from one or more of a second transit fare vending machine or the issuer of the payment account;
determining, by the transit server, whether a transaction associated with the information indicative of improper use was conducted while no transit vehicles are operating;
determining, by the transit server, based on the information and the determination of whether the transaction associated with the information indicative of improper use was conducted while no transit vehicles are operating, that the payment media is being used improperly;
in response to determining that the payment media is being used improperly, the transit server causing at least one image capture device to capture one or both of a video or a still image of a user of the payment media;
communicating, by the transit server, an improper use alert to a remote computing device of an enforcement authority, the improper use alert comprising identification information related to the payment transaction and the one or both of the video or the still image of the user of the payment media captured by the at least one image capture device; and
upon determining that the payment media is being used improperly, providing, by the transit server, a prompt for additional user input while the enforcement authority is alerted, wherein the additional user input is selected to increase the time the user is interacting with the first transit fare vending machine, thereby providing the enforcement authority additional time to arrive at the first transit fare vending machine.

2. The method for detecting fraudulent use of a payment media using a transit server of claim 1 , wherein:
the information comprises an authorization reply code received from the issuer, the authorization reply code indicating the payment media is lost or stolen.

3. The method for detecting fraudulent use of a payment media using a transit server of claim 1 , wherein:
improper use comprises one or more of the payment media being lost, stolen, counterfeit, or used fraudulently.

4. The method for detecting fraudulent use of a payment media using a transit server of claim 1 , wherein:
the information comprises a usage pattern of the payment media received from one or more of the second transit fare vending machine or a merchant, the usage pattern being indicative of improper use.

5. The method for detecting fraudulent use of a payment media using a transit server of claim 1 , further comprising:
determining that the authentication information is invalid;
causing the first vending machine to display a prompt to re-input authentication information;
receiving an additional input comprising subsequent authentication information; and
determining that the subsequent authentication information is invalid, wherein determining that the payment media is being used improperly is based at least in part on the determination that the subsequent authentication is invalid.

6. The method for detecting fraudulent use of a payment media using a transit server of claim 1 , further comprising:
delaying a payment authentication decision notification from being displayed at the first vending machine upon determining that the payment media is being used improperly to increase the time the user is interacting with the first transit fare vending machine.

7. The method for detecting fraudulent use of a payment media
using a transit server of claim 1 , wherein:
the improper use alert comprises one or more of a short message service (SMS) message, a message from a social media account, or an email.

8. A non-transitory computer-readable medium having instructions embedded thereon for detecting fraudulent use of a payment media using a transit server, the instructions comprising computer code for causing a computing device to:
receive, at a transit server, an input from a payment media as part of a payment transaction at a first transit fare vending machine, the input comprising an account identifier associated with a payment account of the payment media;
receive, at the transit server, authentication information;
communicate, by the transit server, an authentication request to an issuer of the payment account, the authentication request comprising the account identifier;
receive, at the transit server, information indicative of improper use of the payment media from one or more of a second transit fare vending machine or the issuer of the payment account;
determine, by the transit server, whether a transaction associated with the information indicative of improper use was conducted while no transit vehicles are operating;
determine, by the transit server, based on the information and the determination of whether the transaction associated with the information indicative of improper use was conducted while no transit vehicles are operating, that the payment media is being used improperly;
in response to determining that the payment media is being used improperly, cause, by the transit server, at least one image capture device to capture one or both of a video or a still image of a user of the payment media;
communicate, by the transit server, an improper use alert to a remote computing device of an enforcement authority, the improper use alert comprising identification information related to the payment transaction and the one or both of the video or the still image of the user of the payment media captured by the at least one image capture device; and
upon determining that the payment media is being used improperly, provide, by the transit server, a prompt for additional user input while the enforcement authority is alerted, wherein the additional user input is selected to increase the time the user is interacting with the first transit fare vending machine, thereby providing the enforcement authority additional time to arrive at the first transit fare vending machine.

9. The non-transitory computer-readable medium of claim 8 , wherein:
the information comprises an authorization reply code received from the issuer, the authorization reply code indicating the payment media is lost or stolen.

10. The non-transitory computer-readable medium of claim 8 , wherein:
improper use comprises one or more of the payment media being lost, stolen, counterfeit, or used fraudulently.

11. The non-transitory computer-readable medium of claim 8 , wherein:
the information comprises a usage pattern of the payment media received from one or more of the second transit fare vending machine or a merchant, the usage pattern being indicative of improper use.

12. The non-transitory computer-readable medium of claim 8 , further comprising instructions for causing the computing device to:
determine that the authentication information is invalid;
cause the first vending machine to display a prompt to re-input authentication information;
receive an additional input comprising subsequent authentication information; and
determine that the subsequent authentication information is invalid, wherein determining that the

Assignees

• Cubic Corp

Inventors

• Nuzum Todd
• Blue David
• Mcentee Robert

Classifications

• G06Q10/40

  Business processes related to social networking or social networking services · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q10/10

  Office automation; Time management · CPC title

• G06Q20/18 Primary

  involving self-service terminals [SST], vending machines, kiosks or multimedia terminals · CPC title

• G06Q20/4012

  Verifying personal identification numbers [PIN] · CPC title