US 10,873,585 B2 · System for detecting unauthorized access via card characteristic verification

Abstract

Embodiments of the present invention provide a system for detecting unauthorized access via card characteristic verification. The present invention is configured to identify initiation of a resource distribution event via a resource distribution card at a resource distribution device, identify one or more characteristics of the resource distribution card, determine a first user associated with the resource distribution card based on the one or more characteristics, determine that the resource distribution card of the first user is associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics, and authorize and process the resource distribution event based on determining that the resource distribution card is associated with the issuing entity associated with the resource account associated with the first user.

Claims19

Dependent claims

A system for detecting unauthorized access via card characteristic verification, the system comprising:

at least one non-transitory storage device;
and
at least one processing device coupled to the at least one non-transitory storage device, wherein the at least one processing device is configured to:
identify initiation of a resource distribution event via a resource distribution card at a resource distribution device;
identify one or more characteristics of the resource distribution card;
determine a first user associated with the resource distribution card based on the one or more characteristics;
determine that the resource distribution card of the first user is not associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics;
and
transmit control signals to cause the resource distribution device to reprogram the resource distribution card.

6 more elements

A computer program product for detecting unauthorized access via card characteristic verification, the computer program product comprising a non-transitory computer-readable storage medium having computer-executable instructions for causing a computer processor to perform the steps of:

identifying initiation of a resource distribution event via a resource distribution card at a resource distribution device;
identifying one or more characteristics of the resource distribution card;
determining a first user associated with the resource distribution card based on the one or more characteristics;
determining that the resource distribution card of the first user is not associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics;
and
transmitting control signals to cause the resource distribution device to reprogram the resource distribution card.

3 more elements

A computerized method for detecting unauthorized access via card characteristic verification, the method comprising:

identifying initiation of a resource distribution event via a resource distribution card at a resource distribution device;
identifying one or more characteristics of the resource distribution card;
determining a first user associated with the resource distribution card based on the one or more characteristics;
determining that the resource distribution card of the first user is not associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics;
and
transmitting control signals to cause the resource distribution device to reprogram the resource distribution card.

3 more elements

Dependencies are inferred from the claim text.

System for detecting unauthorized access via card characteristic verification

Life of this patent

System for detecting unauthorized access via card characteristic verification

Life of this patent

Abstract

Claims19