Invention Grant
- Patent Title: Systems and methods for identifying compromised accounts using historical authorization messages
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Application No.: US15591246Application Date: 2017-05-10
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Publication No.: US10776788B2Publication Date: 2020-09-15
- Inventor: Kyle Williams , David J. Senci , David Adams
- Applicant: MasterCard International Incorporated
- Applicant Address: US NY Purchase
- Assignee: MASTERCARD INTERNATIONAL INCORPORATED
- Current Assignee: MASTERCARD INTERNATIONAL INCORPORATED
- Current Assignee Address: US NY Purchase
- Agency: Armstrong Teasdale LLP
- Main IPC: G06Q20/04
- IPC: G06Q20/04 ; G06Q20/10 ; G06Q20/40 ; H04L29/06 ; G06Q20/34 ; G06Q20/38

Abstract:
A computing network system including a historical authorization database, a lost and stolen card (LSC) database, an account data breach (ADB) database, and a compromised identification (CI) computing device is provided. The CI computing device retrieves a set of historical account identifiers associated with historical transactions of a candidate merchant from the historical authorization database. The CI computing device compares the historical account identifier to lost and/or stolen (LS) account data stored by the LSC database and breach data stored by the ADB database. The CI computing device generates a compromised account message when a historical account identifier has a matching account identifier within the LS account data and/or the breach data. The compromised account message includes the matching account identifier and an associated reason code indicating a cause of compromise. The CI computing device transmits the compromised account message to the candidate merchant for review and analysis.
Public/Granted literature
- US20180330381A1 SYSTEMS AND METHODS FOR IDENTIFYING COMPROMISED ACCOUNTS USING HISTORICAL AUTHORIZATION MESSAGES Public/Granted day:2018-11-15
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