TWI488131B - Fake card analysis systems and methods, and computer program products thereof - Google Patents

Description

Pseudo card analysis system and method, and computer program product thereof

The present invention relates to a fake card (Fake Card) analysis system and method, and more particularly to a system and method for analyzing a possible pseudo card based on an existing pseudo card.

Financial transactions have become a part of modern life. Whether it is savings, shopping, payment, etc., it is part of a financial transaction. With the convenience and popularity of credit transactions, many people have at least one credit card for related consumption and services. However, in the current social environment, credit card theft and forgery have emerged endlessly. The emergence of pseudo-cards has caused great confusion for users and acquirers, such as bankers.

At present, the information on the fake card can only be known through the user's return. For example, when a user discovers that a credit card has been stolen or an unauthorized purchase is found in the bill, the bank that issued the card is notified, and the bank will list the credit card as a fake card and freeze the transaction. Since the bank is passively aware of the information of the fake card, it often inevitably causes some losses, which in turn leads to disputes between users, consumer merchants, and banks. In addition, banks have no effective and reliable mechanism for the outflow point of pseudo-cards, such as the analysis of specific merchants. Often, after causing a large amount of losses, the bank will stop the acquiring rights of certain suspicious merchants.

In view of this, the present invention provides a pseudo card analysis system and method.

A pseudo card analysis system according to an embodiment of the present invention includes a storage unit, a user interface, and a processing unit. The storage unit includes a plurality of transaction materials. Each transaction data includes at least one card number and one consumer code. The user interface receives a selection of at least one pseudo card number. The processing unit is coupled to the storage unit, configured to retrieve, by the at least one pseudo-card number, the first specific transaction data including the at least one pseudo-card number from the transaction data, and extract at least one from the first specific transaction data Specific consumer code. The processing unit retrieves the second specific transaction data including the at least one specific consumer code from the transaction data according to the at least one specific consumer code, and retrieves at least one specific card number from the second specific transaction data. Thereafter, the processing unit generates a warning message to remind that the at least one specific card number may be a pseudo card.

A pseudo card analysis method according to an embodiment of the present invention. First, a selection of at least one pseudo card number is received. And extracting, by the at least one pseudo-card number, the first specific transaction data including the at least one pseudo-card number from the transaction data, and extracting at least one specific consumer code from the first specific transaction data. Each transaction data includes at least one card number and one consumer code. According to the at least one specific consumer code, the second specific transaction data including the at least one specific consumer code is retrieved from the transaction data, and at least one specific card number is extracted from the second specific transaction data. Thereafter, a warning message is generated to remind that the at least one specific card number may be a fake card.

The above method of the present invention can exist in a coded manner. When the code is loaded and executed by the machine, the machine becomes the means for practicing the invention.

The above described objects, features, and advantages of the invention will be apparent from the description and appended claims appended claims

Figure 1 shows a pseudo card analysis system in accordance with an embodiment of the present invention.

The pseudo card analysis system 1000 according to the embodiment of the present invention includes a storage unit 1100, a user interface 1200, and a processing unit 1300. Figure 2 shows a storage unit in accordance with an embodiment of the present invention. As shown in FIG. 2, the storage unit 1100 includes a plurality of candidate fake card numbers 1110 and a plurality of transaction materials 1120. The fake card number 1110 may be a number known or suspected to be a fake card. The transaction data 1120 can be routed through a network to a plurality of hosts, such as an acquirer or a terminal. The content of each transaction data 1120 may include at least a card number 1121, a consumer code 1122, such as a merchant code and/or a terminal code, an order line code 1123, a consumption time 1124, and a consumption content 1125, such as Figure 3 shows. The user interface 1200 can display relevant information and receive relevant selections and inputs. The processing unit 1300 is used to perform the pseudo card analysis method of the present case, the details of which will be described later.

Figure 4 shows a pseudo card analysis method in accordance with an embodiment of the present invention.

In step S4100, a selection of at least one pseudo card number is received through the user interface 1200. It should be noted that in some embodiments, multiple candidate pseudo-card numbers 1110 may be displayed first in the user interface 1200. The user can select one or more candidate pseudo-card numbers 1110 through the user interface 1200. In addition, in some embodiments, the user can also select a consumption interval through the user interface 1200. When the consumption interval is received, the transaction data in the storage unit 1100 will be filtered according to the consumption interval to exclude the transaction data whose consumption time falls outside the consumption interval. In step S4200, the first specific transaction data including the at least one pseudo card number is retrieved from the transaction data. Note that when multiple pseudo card numbers are selected, all transaction data including one of these pseudo card numbers will be retrieved for this first specific transaction data. In step S4300, at least one specific consumer code is retrieved from the first specific transaction materials. Wherein, the specific consumer code may include a specific merchant code and/or terminal code. It is noted that in some embodiments, the particular consumer code that is retrieved may be ordered according to the number of occurrences of different pseudo card numbers. For example, the selected fake card number includes an A card and a B card. If an A card and a B card appear in a first consumer in the first specific transaction data, and only a card appears in a second consumer, after the sorting, the code of the first consumer will be ranked in the code of the second consumer. prior to. In some embodiments, the sorted specific consumer code can be displayed through the user interface 1200. In step S4400, a plurality of second specific transaction materials including the at least one specific consumer code are retrieved from the transaction data. It is noted that in some embodiments, one or more of the specific consumer code can be selected, and all transaction data including one of the specific consumer codes is retrieved as the second specific transaction data. . In step S4500, at least one specific card number is retrieved from the second specific transaction materials, and in step S4600, at least one alert message is generated to remind the at least one specific card number that a pseudo-card may be attached.

It is noted that in some embodiments, the particular card numbers may be ordered according to their respective consumption counts, and the sorted specific card numbers are displayed on the user interface 1200. In some embodiments, filtering may be based on the number of consumptions for each particular card number. When the number of consumption exceeds a predetermined number of times, the corresponding specific card number is determined to be a fake card, and a warning message is generated. In addition, in some embodiments, the generated alert message can be transmitted over the network to a corresponding host, such as an acquirer and/or a terminal.

Therefore, the pseudo card analysis system and method of the present invention can analyze possible pseudo cards according to the existing pseudo cards, so as to carry out subsequent management early. For example, these fake cards are exchanged to avoid unnecessary losses.

The method of the invention, or a particular type or portion thereof, may exist in the form of a code. The code may be included in a physical medium such as a floppy disk, a CD, a hard disk, or any other machine readable (such as computer readable) storage medium, or is not limited to an external computer program product, wherein When the code is loaded and executed by a machine, such as a computer, the machine becomes a device for participating in the present invention. The code can also be transmitted via some transmission medium, such as a wire or cable, fiber optics, or any transmission type, where the machine becomes part of the program when it is received, loaded, and executed by a machine, such as a computer. Invented device. When implemented in a general purpose processing unit, the code combination processing unit provides a unique means of operation similar to application specific logic.

While the present invention has been described in its preferred embodiments, the present invention is not intended to limit the invention, and the present invention may be modified and modified without departing from the spirit and scope of the invention. The scope of protection is subject to the definition of the scope of the patent application.

1000. . . Pseudo card analysis system

1100. . . Storage unit

1110. . . Candidate pseudo card number

1120. . . Transaction data

1121. . . Card number

1122. . . Consumer code

1123. . . Acquire line code

1124. . . Consumption time

1125. . . Consumer content

1200. . . user interface

1300. . . Processing unit

S4100, S4200, ..., S4600. . . step

Figure 1 is a schematic diagram showing a pseudo card analysis system in accordance with an embodiment of the present invention.

Figure 2 is a schematic diagram showing a storage unit in accordance with an embodiment of the present invention.

Figure 3 is a schematic diagram showing transactional material in accordance with an embodiment of the present invention.

Figure 4 is a flow chart showing a pseudo card analysis method in accordance with an embodiment of the present invention.

S4100, S4200, ..., S4600. . . step

Claims (16)

A pseudo card analysis system, comprising: a storage unit, comprising a plurality of transaction materials, wherein each of the transaction materials includes at least one card number, a consumption time and a consumer code; and a user interface for receiving at least one corresponding a selection of a pseudo card number and a consumption interval; and a processing unit coupled to the storage unit for filtering the transaction data according to the at least one pseudo card number and the consumption interval and extracting from the transaction data The first specific transaction data of the at least one pseudo card number, and the at least one specific consumer code is extracted from the first specific transaction data, and the at least one specific consumer code is extracted from the transaction data according to the at least one specific consumer code At least one specific transaction data of the at least one specific consumer code, and at least one specific card number is captured by the second specific transaction data, when a consumption number of the at least one specific card number exceeds a predetermined number of times, A warning message is generated to remind that the at least one specific card number may be a fake card. The pseudo card analysis system of claim 1, wherein the processing unit displays the plurality of candidate pseudo card numbers through the user interface, and the at least one pseudo card number is selected by the candidate pseudo card numbers. The pseudo card analysis system of claim 1, wherein the processing unit further sorts the at least one specific consumer code according to the number of occurrences of the at least one pseudo card number, and the at least one specific one to be sorted The consumer code is displayed through the user interface. The pseudo card analysis system of claim 1, wherein the processing unit further determines the number of times of consumption of the at least one specific card number. Sort at least one specific card number. The pseudo card analysis system of claim 1, wherein the consumer code comprises a merchant code or a terminal code. The pseudo-card analysis system of claim 1, further comprising a plurality of hosts, wherein the transaction data is received by the host, wherein the hosts comprise an acquirer or a terminal. The pseudo card analysis system of claim 6, wherein the processing unit further transmits the alert message to at least one of the hosts. A pseudo card analysis method, comprising the steps of: receiving a selection of a corresponding at least one pseudo card number; and extracting, by the plurality of transaction data, a plurality of first specific transaction data including the at least one pseudo card number according to the at least one pseudo card number, wherein Each of the transaction materials includes at least one card number and a consumer code; at least one specific consumer code is retrieved from the first specific transaction data; and the transaction data is included in the transaction data according to the at least one specific consumer code Taking a plurality of second specific transaction materials including the at least one specific consumer code; extracting at least one specific card number from the second specific transaction materials; and when the consumption of the at least one specific card number exceeds a predetermined number of times , generating a warning message to remind that the at least one specific card number may be a fake card. The pseudo card analysis method according to claim 8 , wherein each of the transaction materials further includes a consumption time, and the method further comprises the following steps: Receiving a consumption interval; filtering the transaction data according to the consumption interval; and extracting, by the filtered transaction data, the first specific transaction data including the at least one pseudo card number. The pseudo card analysis method according to claim 8 further includes displaying the plurality of candidate pseudo card numbers through a user interface, wherein the at least one pseudo card number is selected from the candidate pseudo card numbers. The pseudo card analysis method according to claim 8, further comprising the steps of: sorting the at least one specific consumer code according to the number of occurrences of the at least one pseudo card number; and selecting the at least one specific one after the sorting The consumer code is displayed through a user interface. The pseudo card analysis method of claim 8, further comprising sorting the at least one specific card number according to the number of times of the at least one specific card number. The pseudo card analysis method according to claim 8, wherein the consumer code comprises a merchant code or a terminal code. The method for analyzing a pseudo-card as described in claim 8 further includes receiving, by the plurality of hosts, the transaction data, wherein the host comprises an acquirer or a terminal. The pseudo card analysis method of claim 14, wherein the method further comprises transmitting the alert message to at least one of the hosts. A computer program product for being loaded by a machine and performing a pseudo card analysis method, the computer program product comprising: a first code for receiving a selection of the at least one pseudo card number; a second code for extracting, by the plurality of transaction data, the plural number including the at least one pseudo card number according to the at least one pseudo card number a specific transaction data, wherein each of the transaction materials includes at least one card number and a consumer code; and a third code for extracting at least one specific consumer code from the first specific transaction materials; a fourth code for extracting, by the at least one specific consumer code, a plurality of second specific transaction data including the at least one specific consumer code from the transaction data; a fifth code for using the fifth code Obtaining at least one specific card number in the second specific transaction data; and a sixth code for generating a warning message to remind the at least one when the consumption of the at least one specific card number exceeds a predetermined number of times A specific card number may be a fake card.