US 20140207673A1 (19) United States (12) Patent Application Publication (10) Pub. No.: US 2014/0207673 A1 Jeffries et al. (43) Pub. Date: Jul. 24, 2014
(54) AUTOMATED TELLER MACHINE (21) Appl. No.: 13/748,939 TRANSACTION BLOCKING (22) Filed: Jan. 24, 2013 (71) Applicant: MASTERCARD INTERNATIONAL INCORPORATEDs Purchase;s NY (US) Publication Classi?cation (72) Inventors: Matt Jeffries, Creve Coeur, MO (US); (51) Illt- Cl John Chisholm, BallWin, MO (US); G06Q 20/10 (2012.01) Theresa LaRosa, Noblesville, IN (US); (52) US. Cl. Kirk Menard, Wentzville, MO (US); CPC ...... G06Q 20/1085 (2013.01) Prasad Rao, Wildwood, MO (US); USPC ...... 705/43 Denise Schroeder, Creve Coeur, MO (US) (57) ABSTRACT A system, method, and computer-readable storage medium (73) Assignee: MASTERCARD INTERNATIONAL con?gured to pre-emptively reject an Automated Teller INCORPORATED, Purchase, NY (US) Machine transaction Without consulting an issuer.
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Begin 1300 ATM withdrawal p Transaction request received
PAN received via magnetic stripe?
Card Chip Indicator is true?
Withdrawal is above predetermined N FIG. 13 amount ? 1310
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1312 1314 Patent Application Publication Jul. 24, 2014 Sheet 16 0f 17 US 2014/0207673 A1
Begin 1400 ATM withdrawal Q Transaction req uest received
PAN received via magnetic stripe?
Card Chip Indicator is true?
amount within time FIG. 14 eriod is greater tha ~ eshold amo '
Decline Standard transaction processing l 1412 1414 Patent Application Publication Jul. 24, 2014 Sheet 17 0f 17 US 2014/0207673 A1
Begin 1500
ATM withdrawal Transaction 11> request received
PAN received via magnetic stripe?
Capacity Indicator is magnetic stripe
Card Chip Indicator is true?
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Decline Standard transaction processing
1512 1514 V v US 2014/0207673 A1 Jul. 24, 2014
AUTOMATED TELLER MACHINE data based on the customer history. The Automated Teller TRANSACTION BLOCKING Machine transaction is pre-emptively declined via the com puter network instead of forwarding the Automated Teller BACKGROUND Machine transaction data to an issuer. [0001] 1. Field of the Invention BRIEF DESCRIPTION OF THE DRAWINGS [0002] Aspects of the disclosure relate in general to ?nan cial services. Aspects include an apparatus, a method and [0010] FIG. 1 is a ?owchart illustrating a ATM ?nancial system for providing a decision making platform for process transaction using an ATM Automated Teller Machine card ing transactions involving Automated Teller Machine (ATM) network. cards, and more particularly to a network-based system and [0011] FIG. 2 is a simpli?ed block diagram ofan exemplary method that provide a computer-related platform for decision embodiment of a server architecture of a system in accor making based on an accessibility to multiple transaction scor dance with one embodiment. ing engines, at least a portion of the scoring engines deter [0012] FIG. 3 is an expanded block diagram of an exem mining fraud risk for transactions involving ATM cards. plary embodiment of a server architecture of a system in [0003] 2. Description of the Related Art accordance with one embodiment. [0004] An Automated Teller Machine (ATM) card (also [0013] FIG. 4 is an architectural diagram of a decision known as a bank card, client card, key card, or cash card) is a platform in accordance with one embodiment. card issued by a ?nancial institution, such as a bank, credit [0014] FIG. 5 is a diagram illustrating a logical architecture union, or building society that can be used in an Automated for the decision platform of FIG. 4. Teller Machine. The Automated Teller Machine provides the [0015] FIG. 6 is a logical architecture diagram for a ?exible clients of a ?nancial institution with access to ?nancial trans transaction processor included within the decision platform actions in a public space without the need for a cashier, human of FIG. 4. clerk or bank teller. Such transactions include deposits, cash withdrawals, and obtaining account information. [0016] FIGS. 7A-B are a class structure diagram for the input channels of the ?exible transaction processor of FIG. 6. [0005] In a typical transaction, customers use an Auto mated Teller Machine to withdraw cash from their account. [0017] FIG. 8 is a class structure diagram illustrating inter nal message obj ect formats utilized with the ?exible transac [0006] It can also be used on improvised ATMs, such as merchants’ card terminals that deliver ATM features without tion processor of FIG. 6. any cash drawer (commonly referred to as mini ATMs). These [0018] FIG. 9 is a class structure diagram illustrating trans terminals can also be used as cashless scrip ATMs by cashing action objects for abstract classes and sub-classes utilized the fund transfer receipt at the merchant’s Cashier. with the ?exible transaction processor of FIG. 6. [0007] ATM cards have made great gains in the United [0019] FIG. 10 is a class structure diagram illustrating input States as a means to attract ?nancial accounts and generate channel object subclasses by speci?c input adaptors that are fees for ?nancial institutions. utilized with the ?exible transaction processor of FIG. 6. [0008] However, ATM cards are also subject to a variety of [0020] FIG. 11 is a class structure diagram illustrating the ?nancial card fraud. At least one Automated Teller Machine transaction ?lter services used by the ?exible transaction card network currently provides fraud scoring for Automated processor of FIG. 6. Teller Machine card transactions. Fraud scoring refers to an [0021] FIGS. 12A-B are a class structure diagram for the indication, or likelihood, that an ATM transaction is fraudu output channels of the ?exible transaction processor of FIG. lent. In one fraud scoring system, the Automated Teller 6. Machine card network provides a number back to the Auto [0022] FIG. 13 illustrates a fraud prevention rule in which a mated Teller Machine card issuer between zero and 1,000, withdrawal is prevented because the transaction amount which translates into zero and 100 percent, in tenths of per exceeds a predetermined amount. centage points. To provide fraud scoring capability, various [0023] FIG. 14 illustrates a fraud prevention rule in which a vendors or Automated Teller Machine card companies pro withdrawal is prevented because total transaction amount vide and market various different fraud scoring products. An exceeds a predetermined amount within a time period. Automated Teller Machine card company generally selects [0024] FIG. 15 illustrates a fraud prevention rule in which a one of the vendor products to provide its customers (the card withdrawal is prevented because the total number of transac issuers) with one of fraud scoring and credit risk scoring that tions exceeds a predetermined amount within a time period. is accessible, for example, on an Automated Teller Machine card network. DETAILED DESCRIPTION
SUMMARY [0025] One aspect of the disclosure includes the realization that each of the various vendor scoring products generally [0009] Embodiments include a system, device, method and provides at least one advantage when compared to other scor computer-readable medium to pre-emptively reject an Auto ing products. Accordingly, a system and method is needed mated Teller Machine transaction at a processing network where an Automated Teller Machine card network can com without consulting an issuer. Automated Teller Machine bine more than one of the above mentioned vendor fraud (ATM) transaction data is received, via a computer network, scoring products together to provide value added services to from a merchant bank. The Automated Teller Machine trans their customers. Further, such a system and method should be action data including a primary account number (PAN) asso easily con?gurable to allow the user to easily utilize various ciated with a customer. Customer history associated with the combinations of these products. In such a system, the Auto PAN is retrieved from a database. A rule is applied from a mated Teller Machine card network operators should be able rules engine to the Automated Teller Machine transaction to easily integrate vendor products and orchestrate scoring US 2014/0207673 A1 Jul. 24, 2014
across many of these products, combine the various scores access outside the ?rewall of the business-entity through the and return those scores back to customers through a variety of Internet. In yet another embodiment, the system is run on a output channels. mainframe environment and a UNIX® server environment [0026] While many companies implement a single fraud (UN IX is a registered trademark of AT&T, New York, N.Y.). scoring engine, the described decision system embodiments In a further exemplary embodiment, the system is being run in provide a highly ?exible platform that facilitates scoring and/ a Windows® environment (Windows is a registered trade or rules implementation across multiple scoring engines. In mark of Microsoft Corporation, Redmond, Wash.). The appli addition, the described platform provides a plug and play type cation is ?exible and designed to run in various different architecture with the technical effect of integrating these ven environments without compromising any major functional dor fraud scoring products with pluggable input sources (e. g., ity. input channels) and output delivery mechanisms. The follow ing paragraphs describe the linking together of these various [0032] The systems and processes are not limited to the components into an overall comprehensive decision system, speci?c embodiments described herein. In addition, compo or platform. Implementation of such a system features a ?ex nents of each system and each process can be practiced inde ible, work ?ow based approach for accessing component pendent and separate from other components and processes plug-ins. described herein. Each component and process also can be [0027] In one example, MasterCard’s Authorization Ser used in combination with other assembly packages and pro vice Architecture (ASA) provides for the transfer and recep cesses. tion of Automated Teller Machine card transaction data in real [0033] FIG. 1 is a ?owchart 20 illustrating a typical Auto time. If the Automated Teller Machine card is used at a mer mated Teller Machine ?nancial transaction using an Auto chant (swiped), the transaction data is sent to the merchant’s mated Teller Machine card payment system. The present bank called the acquirer bank. In one practical example, the disclosure is related to an Automated Teller Machine card transaction data is then sent over Banknet® (Banknet is a payment system, such as a credit card payment system using registered trademark of MasterCard International Incorpo the MasterCard® interchange, Cirrus® network, or Mae rated, Purchase, N.Y.) to the ASA and on to the system for stro®. The MasterCard interchange is a proprietary commu scoring. Upon generation of a score, that score is sent back nications standard promulgated by MasterCard International through the ASA and onto the Automated Teller Machine card Incorporated for the exchange of ?nancial transaction data issuer where they approve or decline the proposed transac between ?nancial institutions that are customers of Master tion, taking into account the scoring provided from the Auto Card International Incorporated. Cirrus is a worldwide inter mated Teller Machine card network. Stated more simply, the bank network operated by MasterCard International Incorpo issuer can take into account fraud scores, in real-time, to rated linking debit and prepaid cards to a network of ATMs approve or decline transactions. The described embodiments throughout the world. Maestro is a multi-national debit card relate to an architecture that provides a type of plug and play service owned by MasterCard International Incorporated. capability for the incorporation of multiple transaction scor ing engines. [0034] In an Automated Teller Machine ?nancial payment [0028] In use, the Automated Teller Machine card network system, a ?nancial institution called the “issuer” issues an receives messages containing transaction data at which point Automated Teller Machine card to a consumer, who uses it is determined how to process the data. For example, some ATM card to tender payment for a purchase from a merchant preprocessing might be done to enrich, transform, and ?lter or withdraw cash from an Automated Teller Machine. In this the transaction data as described herein. Other customers example, a user presents the ATM card to an ATM a?iliated (e. g., card issuers) may only want certain types of transaction with a ?nancial institution. This ?nancial institution is usually scores, such as those coming from high risk merchants. called the “merchant bank” or the “acquiring bank” or [0029] Another component of the described embodiments “acquirer bank.” When an ATM card 22 is tendered at an relates to case management. When a transaction scores high, Automated Teller Machine 24, the Automated Teller Machine in terms of fraud or risk, the card issuer may decide to open a 24 electronically requests authorization from the merchant case for further investigation. The described embodiments bank 26 for the amount of the purchase. The request is per allow a user to plug in different vendor provided case man formed electronically with the consumer’s account informa agement solutions. From the customer (card issuer) perspec tion from the magnetic stripe on the ATM card or via a tive, they are able to report or access new reporting on their computer chip imbedded within the card. The account infor data or directly access the case management system. mation is forwarded to transaction processing computers of [0030] The described embodiments relate to making each the merchant bank. Alternatively, a merchant bank may piece of the described decision platform such as the input, authorize a third party to perform transaction processing on scoring, case management, and output pluggable. Multiple its behalf. In this case, the Automated Teller Machine will be plug-ins can be incorporated for the preprocessing of trans con?gured to communicate with the third party. Such a third action data, for example, to provide one or more of ?ltering, party is usually called a “merchant processor” or an “acquir transformation, data enrichment, etc. ing processor.” [0031] In one embodiment, a computer program is pro [0035] Using a processing network 28, the computers of the vided, and the program is embodied on a computer readable merchant bank or the merchant processor will communicate medium and utilizes a Structured Query Language (SQL) with the computers of the issuer bank 30 to determine whether with a client user interface front-end for administration and a the consumer’s account is in good standing and whether the web interface for standard user input and reports. In an exem cash withdrawal is covered by the consumer’s available plary embodiment, the system is web enabled and is run on a account balance. Based on these determinations, the request business-entity intranet. In yet another embodiment, the sys for authorization will be declined or accepted. If the request is tem is fully accessed by individuals having an authorized accepted, an authorization code is issued to the merchant.