US 2025/0148446 A1 · SYSTEMS AND METHODS FOR DETECTING COMPROMISE OF CO-LOCATED INTERACTION CARDS

Abstract

Disclosed are systems and methods for detecting compromise of a plurality of co-located interaction cards; including: receiving interaction information indicating that an interaction has been processed, the interaction information indicating that one of the plurality of co-located interaction cards was used in the interaction, the one of the plurality of co-located interaction cards used in the interaction having limited authorized interaction modalities. Based on a determination that the interaction was processed via an unauthorized modality, it is determined that all of the plurality of co-located interaction cards are potentially compromised. In response to determining that all of the plurality of co-located interaction cards are potentially compromised, corrective actions may be taken including: sending an alert to a cardholder; sending an alert to an issuer of at least one of the plurality of co-located interaction cards; or locking each of the plurality of co-located interaction cards.

Claims20

Dependent claims

A computer-implemented method for detecting compromise of a plurality of co-located interaction cards;

the method comprising:
receiving, by a processor, interaction information indicating that an interaction has been processed, the interaction information indicating that one of the plurality of co-located interaction cards was used in the interaction, the one of the plurality of co-located interaction cards used in the interaction having limited authorized interaction modalities;
determining, by the processor, that the interaction was processed via a modality not authorized under the limited authorized interaction modalities;
based on the determination that the interaction was processed via an unauthorized modality, determining, by the processor, that all of the plurality of co-located interaction cards are potentially compromised;
in response to determining that all of the plurality of co-located interaction cards are potentially compromised, performing, by the processor, at least one of:
sending a first alert to a user device associated with the plurality of co-located interaction cards;
sending a second alert to an issuer of at least one of the plurality of co-located interaction cards;
or
locking each of the plurality of co-located interaction cards from further use.

6 more elements

A computer-implemented method for detecting compromise of a plurality of co-located interaction cards, the method comprising:

receiving, by a processor, interaction information indicating that an interaction has been processed, the interaction information including account data associated with a decoy interaction card;
identifying, by the processor, a user associated with the decoy interaction card and one or more legitimate interaction cards co-located with the decoy interaction card;
determining, by the processor, based on the account information including account data associated with a decoy interaction card, that the one or more legitimate interaction cards co-located with the decoy interaction card are potentially compromised;
in response to determining that the one or more of legitimate interaction cards are potentially compromised, performing, by the processor, at least one of:
sending a first alert to a user device associated with the user;
sending a second alert to an issuer of at least one of the one or more legitimate interaction cards;
voiding the interaction and sending a third alert to a merchant that processed the interaction;
or
locking each of the one or more legitimate interaction cards from further use.

6 more elements

Dependencies are inferred from the claim text.

Systems and methods for detecting compromise of co-located interaction cards

Life of this patent

Systems and methods for detecting compromise of co-located interaction cards

Life of this patent

Abstract

Claims20