SYSTEM AND METHOD FOR EXCLUSION-BASED IMPOSTER SCREENING

摘要

A method for exclusion-based imposter screening is provided. The method includes detecting a trigger event related to a payment card owned by a payment card owner and requiring the payment card owner to register payment card owner identification data after the trigger event. The method also include, during at least one transaction offer following the trigger event, obtaining customer identification data of a customer entering into the at least one transaction offer and comparing the customer identification data to the payment card owner identification data. The customer is excluded from the at least one transaction offer if it is determined that the customer identification data and the payment card owner identification data cannot be from a single person.

主权项

1. A method for exclusion-based imposter screening, comprising the steps of:
(a) detecting a trigger event related to a payment card owned by a payment card owner; (b) requiring the payment card owner to register payment card owner identification data after the trigger event; (c) during at least one transaction offer involving the payment card at a point of sale terminal of a seller following the trigger event, obtaining customer identification data of a customer entering into the at least one transaction offer; (d) comparing, using exclusionary biometrics, the customer identification data to the payment card owner identification data to determine if the customer identification data and the payment card owner identification data cannot be from a single person; (e) using the point of sale terminal to initiate a payment transfer from a first account associated with the payment card to a second account associated with the seller if it is not determined in step (d) that the customer identification data and the payment card owner identification data cannot be from a single person; and (f) excluding the customer from the at least one transaction offer if it is determined at step (d) that the customer identification data and the payment card owner identification data cannot be from a single person.