The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jul. 28, 2026

Filed:

Jul. 27, 2022
Applicant:

Giesecke+devrient Mobile Security Germany Gmbh, Munich, DE;

Inventor:
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); H04L 9/40 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/204 (2013.01); G06Q 20/3574 (2013.01); G06Q 20/389 (2013.01); G06Q 20/4016 (2013.01);
Abstract

A method is provided to effectively preempt or prevent any instance of fraudulent, or otherwise unauthorized and/or undesired use of a Card by dynamic, user-configurable profiling of user and/or usage pattern information. The system implementation includes a duo of Payment applet and Fraud Rule detection Applet in separate packages provided on the Card and a Mobile Applet on smart phone of the Card owner, which trio interactively enabling the Card holder to keep and configure the CRM rules for effectively safeguarding against fraudulent and/or undesired transactions using the Card.


Find Patent Forward Citations

Kotkunde, Anjali. (2026). User pattern oriented method and system for prevention of risk in card based transactions (U.S. Patent No. 12694385). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12694385

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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