DETECTING AND RESPONDING TO POTENTIALLY FRAUDULENT TENDER

摘要

The present disclosure extends to methods, systems, and computer program products for detecting and responding to potentially fraudulent tender. A customer presents a form of a tender at a Point-of-Sale (POS) terminal in a retail location. The tender is presented as payment for one or more items. Transaction data, including tender data, item data, and geographic data, is sent to a central system for analysis. The central system determines that the presented tender is potentially fraudulent based on: the one or more items, purchase history associated with the presented tender, and the geographic location of the POS terminal. In response, in-store surveillance equipment at the retail location is used to save a recording of the customer. One or more parties designated for asset protection are alerted about the potentially fraudulent tender.

主权项

1. A method for use at a computer system, the computer system including one or more processors and system memory, a method for responding to potentially fraudulent use of tender at the Point-of-Sale (POS) terminal, the method comprising:
receiving transaction data identifying a form of tender and one or more items, the tender presented to the Point-of-Sale (POS) terminal to complete a transaction for purchase of the one or more items; determining that the presented tender is potentially fraudulent based on: the one or more items, purchase history associated with the presented tender, and the geographic location of the Point-of-Sale (POS) terminal; in response to determining that the presented tender is potentially fraudulent:
using in-store surveillance equipment to save a recording of the person that presented the potentially fraudulent tender;retaining information associated with the transaction, including the recording of the person presenting the potentially fraudulent tender, for tracking subsequent use of the potentially fraudulent tender, and in determining if the potentially fraudulent tender is actually fraudulent; andalerting one or more parties designated for asset protection about the potentially fraudulent tender.