| 摘要 |
<p>The present invention provides a method and system for detecting fraudulent activity with a payment instrument. Authorized users (200) of a payment instrument register their instrument, e.g., a credit card, with an organization or individual which utilizes the present invention to serve as an authorizing agent (800). The authorizing agent, notifies (818) the authorized user of a payment instrument, (and optionally the issuer (828) of the payment instrument, or other entity) of any and all activity (810, 812) on the payment instrument immediately after such activity. The notification speed and means can be selected by the authorized payment instrument user, and can include pager service, telephone, facsimile, e-mail, and other notification methods. The authorized user can spot fraudulent activity instantaneously and notify the organization or individual utilizing the invention according who in turn can notify any other party to the transaction in question, e.g., merchant (300), payment instrument issuer, etc.</p> |
