Patent ID: 7757943
Filing Date: 2010-07-20
Classification: G06Q,G07C,G07F

Abstract:
1. A method of monitoring behavior of a holder of a multifunction presentation instrument suitable for presentation by the holder in support of payment transactions and access transactions, wherein a payment transaction comprises a purchase by the holder using funds identified by the multifunction presentation instrument and an access transaction comprises an authorization for the holder to enter a restricted area, the method comprising; receiving a first communication at a host system, the first communication comprising transaction details of an attempted payment transaction initiated by the holder; receiving a second communication at the host system, the second communication comprising transaction details of an attempted access transaction initiated by the holder; storing the transaction details of the attempted payment transaction and the transaction details of the attempted access transaction in a data store; and performing an analysis of data comprising the transaction details of the attempted payment transaction and the transaction details of the attempted access transaction to identify potentially suspicious behavior by the holder; wherein performing the analysis of the data comprises: retrieving transaction details of other past payment transactions attempted by the holder from the data store; and correlating the details of the attempted payment transaction, the attempted access transaction, and the other past payment transactions with information received from one or more intelligence agencies or with information received from one or more infrastructure entities responsible for power generation or water supply distribution, to identity a pattern that indicates potentially suspicious behavior by the holder.