Dynamic itinerary-driven profiling for preventing unauthorized card transactions

A method and system for preventing unauthorized card transactions via dynamic itinerary-driven profiling. Authorization record(s) including authorized geographic locations and authorized periods of time are received from a travel reservation system (TRS). The authorization record(s) identify an itin...

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Hauptverfasser: Dispensa, Jean-Claude, Gregoire, Philippe, Picard, Dominique
Format: Patent
Sprache:eng
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Beschreibung
Zusammenfassung:A method and system for preventing unauthorized card transactions via dynamic itinerary-driven profiling. Authorization record(s) including authorized geographic locations and authorized periods of time are received from a travel reservation system (TRS). The authorization record(s) identify an itinerary specified by a travel booking(s) purchased via the TRS using a debit or credit card. The itinerary specifies that the cardholder is scheduled to be in the authorized geographic locations for the authorized periods of time. In response to receiving a request for an authorization of a card transaction, a location and date associated with the card transaction are retrieved from the request. The card transaction is rejected based on a determination that the retrieved location is not within the authorized geographic locations and/or the retrieved date is not within the authorized periods of time. A notification of the retrieved location and retrieved date is logged and displayed.