Automated teller machine transaction premium listing to prevent transaction blocking
AssigneeMastercard International Incorporated
InventorsDenise SCHROEDER, Dawn Strohbach, Kirk Menard, Brenda Hopkins, Mark Wiesman
Life of this patent
Estimating the term…
Abstract
A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.
Claims21
A method of processing an Automated Teller Machine (ATM) transaction at a processing network, the method comprising:
- storing a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders;
- receiving, via a computer network, data of an ATM transaction from a merchant bank, wherein the ATM transaction data includes a PAN associated with one of the ATM cardholders;
- allowing the ATM transaction to proceed unblocked if the PAN of the transaction is on the premium list even if the transaction would otherwise be blocked based on one or more fraud prevention rules.
An Automated Teller Machine (ATM) transaction decision system located at a processing network, the system comprising:
- a network interface configured to receive data of an ATM transaction from a merchant bank, wherein the ATM transaction data includes a primary account number (PAN) associated with a cardholder;
- an ATM premium listing service module configured to run on a processor, wherein the ATM premium listing service module is configured to store a premium list of accounts of ATM cardholders, wherein the list includes PANs associated with the accounts of the ATM cardholders;
- and
- a controller module configured to run on a processor, wherein the controller is configured to allow the ATM transaction to proceed unblocked if the PAN of the transaction is on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.
A non-transitory computer readable medium encoded with data and instructions, when executed by a computing device the instructions causing the computing device to:
- store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders;
- retrieve, from a database, data of an ATM transaction from a merchant bank, wherein the ATM transaction data includes a PAN associated with one of the ATM cardholders;
- allow the ATM transaction to proceed unblocked if the PAN of the transaction is on the premium list even if the transaction would otherwise be blocked based on one or more fraud prevention rules.
Dependencies are inferred from the claim text.