PHOTOS TO DETECT FRAUD AT POINT OF SALE METHOD AND APPARATUS

摘要

A system, method, and computer-readable storage medium configured to use cardholder photos captured at the time of purchase as a factor in fraud determination. Baseline cardholder photos may be submitted directly or via a social network.

主权项

1. A payment network method comprising:
receiving financial transaction data representing a financial transaction via a network interface, the financial transaction data including: a transaction amount, a merchant identifier, a Primary Account Number (PAN) of a payment card, and a captured representation of a cardholder taken at a time of purchase; comparing, with a processor, the captured representation with a reference representation of the cardholder; scoring the financial transaction, with the processor, based at least in part on comparing the captured representation with the reference representation, resulting in a financial transaction score; transmitting the financial transaction score based at least in part on comparing the captured representation with the reference representation to an issuer of the payment card, via the network interface.