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.
Patent No.:
Date of Patent:
Jul. 19, 2011
Filed:
Dec. 23, 2008
Helen Sarris, Burlington, NJ (US);
Timothy B. Byrd, Charlotte, NC (US);
Rhonna J. Clark, Charlotte, NC (US);
Chuan Bin Lin, Richardson, TX (US);
Daniel P. Shnowske, Waxahachie, TX (US);
William Treadwell, Addison, TX (US);
Mian Zhou, Dallas, TX (US);
Helen Sarris, Burlington, NJ (US);
Timothy B. Byrd, Charlotte, NC (US);
Rhonna J. Clark, Charlotte, NC (US);
Chuan Bin Lin, Richardson, TX (US);
Daniel P. Shnowske, Waxahachie, TX (US);
William Treadwell, Addison, TX (US);
Mian Zhou, Dallas, TX (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Systems and methods are provided for protecting against bank card fraud and related crimes by providing a distress/fraud trigger at bank card machines, such as automated teller machines and point-of-sale terminals. The trigger initiates certain heightened-security processes designed to stop the crime, control damage, and help apprehend the criminal. For example, in one embodiment, the trigger involves the cardholder inputting a 'panic' personal identification code into the bank card machine. The panic personal identification code indicates to a party involved in the bank card transaction that a fraudulent transaction may be taking place. The heightened-security processes may include, for example, displaying that the bank card machine is out-of-order, dispensing money with a GPS tracking device, requesting additional identification steps, instituting delay tactics, notifying on-site personnel, or forwarding audio or video information from the bank card machine to a bank's command center in real time or near real time.