Patent ID: 9652772
Date: 2017-05-16
CPC Classifications: G06Q

Claim:
1. A system for identifying fraud in an automated teller machine (ATM) transaction, the system tangibly embodied in the form of a computer processer, the system comprising: a plurality of ATMs in a network; a profile database that contains both: a filter processing portion, constituted by a non-transitory computer readable medium of the computer processor, that receives electronically and over the network input transaction data generated from a requested ATM transaction by a customer conducted at one of the plurality of ATMs, the filter processing portion including a plurality of filters that filter high risk transactions based on the input transaction data so as to identify that the transaction by the customer is a high risk transaction, and the filter processing portion outputting card related data and ATM related data to the profile database and to a scoring engine, wherein the (a) card related data comprises at least ATM transactions for a particular card associated with the customer, and (b) the ATM related data comprises at least ATM transactions for the ATM, which includes data from a plurality of users of the ATM; and a scoring engine, constituted by a non-transitory computer readable medium of the computer processor, assessing risk of the transaction based on (1) attributes of the transaction, (2) data in at least one card profile, and (3) data in at least one ATM profile for the ATM, and an authorization processing portion, constituted by a non-transitory computer readable medium of the computer processor, that determines whether the requested transaction should be approved or declined, the authorization processing portion receiving as input the fraud score from the scoring engine, the authorization processing portion using the fraud score, in conjunction with the transaction data generated from the requested ATM transaction, in its determination of whether the requested transaction should be approved or declined, and controls the ATM to authorize or refuse the requested transaction by outputting the authorization determination to the ATM electronically and over the network.