US Patent No. 9,767,519


Patent No. 9,767,519
Issue Date September 19, 2017
Title Method For Processing Transactional Data, Corresponding Terminal, Server And Computer Program
Inventorship Pavel Polechtchouk, Mosman (AU)
David Naccache, Paris (FR)
Assignee INGENICO GROUP, Paris (FR)

Claim of US Patent No. 9,767,519

1. A bank cards fraud detection system, the system configured to detect fraudulent behaviors associated with e-commerce websites
on bank cards, wherein the system comprises:
a non-transitory computer-readable medium comprising a tracking database stored thereon;
at least one processor configured by computer-readable instructions to implement:
an introducing module configured to introduce data for surveillance bank cards into a platform for payment by a bank card,
through purchase of goods or provision of services on a given e-commerce website, the platform for payment being a part of
the given e-commerce website, said introducing module being configured to save the data for surveillance bank cards inserted
into said platform for payment by said bank card, to the tracking database;

a surveillance module configured to place under surveillance activity of the data for surveillance bank cards previously introduced
into said platform of the given e-commerce website, said surveillance module being configured to save, to said tracking database,
a plurality of records of tracking of the use of the data for surveillance bank cards and delivering data on detection of
a fraudulent use of said data for surveillance bank cards, each record of tracking comprising an identifier of the given e-commerce
website, an IP address of an e-commerce website at which the data is used, and a timestamp corresponding to the time the data
is used;

an analysis module configured to use the IP address and the timestamp of each record of tracking to map use of the data for
surveillance bank cards; and

a pre-defined connection interface of the surveillance module to at least one transaction server of a payment service provider,
wherein the surveillance module is further configured to control use of bank-card data obtained by the system from the at
least one transaction server through the predefined connection interface, and wherein the surveillance bank cards are associated
with specific bank accounts generated exclusively for use for purposes of fraud detection.