Patent ID: 8751398
Filing Date: 2014-06-10
Classification: G06Q

Abstract:
1. A method of preventing an unauthorized card transaction, the method comprising the steps of: a first computing system receiving an authorization record from a travel reservation system (TRS) executing on a second computing system, wherein the authorization record specifies a card, a cardholder to whom the card is issued, a travel itinerary associated with a trip to be taken by the cardholder, the trip including air travel and the travel itinerary including an airport of a connecting flight of the air travel, wherein the authorization record further specifies an authorized country and city of a destination of the trip, an authorized period of time, a rule indicating any usage of the card at the airport of the connecting flight is the unauthorized card transaction, and an indication that any usage of the card in the authorized country and city in the authorized period of time is granted, wherein the card is a credit card or a debit card, wherein the card is used by the cardholder for a purchase, via the TRS, of one or more geo-localized travel bookings that specify the travel itinerary, and wherein the travel itinerary specifies that in the trip the cardholder is scheduled to be in the authorized country and city for the authorized period of time; in response to the step of receiving the authorization record, the first computing system updating a profile table included in a computer data storage unit by storing the authorization record in the profile table; subsequent to the step of storing the authorization record, the first computing system receiving a request for an authorization of a card transaction that is initiated via a usage of the card at the airport of the connecting flight; in response to the step of receiving the request for the authorization of the card transaction, the first computing system retrieving from the request an identifier of a retrieved location in which the card transaction is initiated and a retrieved date on which the card transaction is initiated; the first computing system retrieving from the profile table one or more authorization records that include a respective one or more authorized geographic locations and a respective one or more authorized periods of time such that each authorized period of time in the respective one or more authorized periods of time includes the retrieved date, the retrieved one or more authorization records include the authorization record received from the TRS; the first computing system determining the retrieved one or more authorization records include the rule indicating any usage of the card at the airport of the connecting flight is the unauthorized card transaction and determining the retrieved location in which the card transaction that is initiated is the airport of the connecting flight; and the first computing system rejecting the card transaction as the unauthorized card transaction based on the retrieved location in which the card transaction that is initiated is the airport at which usage of the card is the unauthorized card transaction as indicated by the rule included in the retrieved one or more authorization records.