SYSTEMS AND METHODS FOR AUTHENTICATING FINANCIAL TRANSACTIONS INVOLVING FINANCIAL CARDS
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    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING FINANCIAL TRANSACTIONS INVOLVING FINANCIAL CARDS 审中-公开
    认定涉及金融资产的财务交易的制度及方法

    公开(公告)号:US20090150294A1

    公开(公告)日:2009-06-11

    申请号:US12330107

    申请日:2008-12-08

    IPC分类号: G06Q40/00 G01S1/00 H04L9/00

    摘要: A system for authenticating financial transactions comprising a plurality of financial cards, a plurality of financial terminals, and at least one authorization center connected to the plurality of financial terminals. Each of the financial cards having a card data storage device for storing identification data, and a GPS module for generating geographical position indicative of a current geographical position of the financial card. Each of the financial terminals having a card reader configured to receive one of the financial cards and access the identification data and geographical position data associated therewith. The Authorization center is configured to receive transactional data associated with a financial transaction, the transactional data including the identification data and the geographical position data for the particular financial transaction involving a particular financial terminal and a particular financial card, and for each financial transaction, determine whether that transaction is potentially fraudulent based on an analysis of the geographical position data for that transaction and previously stored geographical position data related to the particular financial card.

    摘要翻译: 一种用于认证金融交易的系统,包括多个金融卡,多个金融终端和连接到该多个金融终端的至少一个授权中心。 每个金融卡具有用于存储识别数据的卡数据存储装置,以及用于产生指示金融卡的当前地理位置的地理位置的GPS模块。 每个金融终端具有读卡器,其被配置为接收金融卡中的一个并访问与之相关联的识别数据和地理位置数据。 授权中心被配置为接收与金融交易相关联的交易数据,交易数据包括涉及特定金融终端和特定金融卡的特定金融交易的识别数据和地理位置数据,并且对于每个金融交易,确定 基于对该交易的地理位置数据的分析以及与特定金融卡相关的先前存储的地理位置数据,该交易是否具有潜在的欺诈性。