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US 10,255,561 B2Granted
System, method and apparatus for detecting absent airline itineraries
AssigneeMastercard International Incorporated
InventorJustin Xavier Howe
Life of this patent
Estimating the term…
Abstract
A system, method, and non-transitory computer-readable storage medium to detect absent airline itineraries.
Claims20
A method comprising:
- receiving, via a network interface, from a merchant bank, payment transaction data comprising a primary account number associated with a cardholder, a merchant category code, a merchant name, and a merchant identifier;
- receiving, via the network interface, from at least one third party data source, registered travel information comprising a plurality of travel transaction records, wherein each of the plurality of travel transaction records comprises a name and a ticket price, and wherein the at least one third party data source is either a network that enables transactions between travel service providers and travel reservation agents or a network that facilitates payment processing for travel service providers;
- determining, using a processor, based on one or more of the merchant category code, the merchant name, or the merchant identifier, that the payment transaction data is a travel transaction record;
- determining that the payment transaction data is inaccurate or incomplete by:
- determining, using the processor, based on the payment transaction data and the registered travel information, that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data;
- and
- responsive to determining that the payment transaction data is inaccurate or incomplete, transmitting, via the network interface an automated alert to the cardholder.
4 more elements
A system comprising:
- a network interface configured to receive:
- payment transaction data from a merchant bank, wherein the payment transaction data comprises a primary account number associated with a cardholder, a merchant category code, a merchant name, and a merchant identifier, and
- registered travel information from one or more of a Global Distribution System database or a Billing Service Provider database, wherein the registered travel information comprises a plurality of travel transaction records, wherein each of the plurality of travel transaction records comprises a name and a ticket price;
- a determining unit configured to determine, based on one or more of the merchant category code, the merchant name, or the merchant identifier, that the payment transaction data is a travel transaction record;
- the determining unit further configured to determine that the payment transaction data is inaccurate or incomplete by:
- determining, based on the payment transaction data and the registered travel information, that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data is not associated with any of the travel transaction records;
- and
- a transmitter configured to transmit, responsive to determining that the payment transaction data is inaccurate or incomplete, an automated alert to the cardholder.
5 more elements
A non-transitory computer readable medium encoded with data and instructions that, when executed by a computing device, cause the computing device to:
- receive, via a network interface, from a merchant bank, payment transaction data, comprising a primary account number associated with a cardholder, a merchant category code, a merchant name, and a merchant identifier;
- receive, via the network interface, from at least one of a Global Distribution System database or a Billing Service Provider database, registered travel information comprising a plurality of travel transaction records, wherein each of the plurality of travel transaction records comprises a name and a ticket price;
- determine, using a processor of the computing device, based on one or more of the merchant category code, the merchant name, or the merchant identifier, that the payment transaction data is a travel transaction record;
- determine that the payment transaction data is inaccurate or incomplete by:
- determining, using the processor of the computing device, based on the payment transaction data and the registered travel information, that neither any name nor any ticket price associated with any travel transaction record of the plurality of travel transaction records is associated with the payment transaction data;
- and
- responsive to determining that the payment transaction data is inaccurate or incomplete, transmit, via the network interface, an automated alert to the cardholder.
4 more elements
Dependencies are inferred from the claim text.