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TRANSACTION CARDS AND COMPUTER-BASED SYSTEMS THAT PROVIDE FRAUD DETECTION AT POS DEVICES BASED ON ANALYSIS OF FEATURE SETS AND METHODS OF USE THEREOF
TRANSACTION CARDS AND COMPUTER-BASED SYSTEMS THAT PROVIDE FRAUD DETECTION AT POS DEVICES BASED ON ANALYSIS OF FEATURE SETS AND METHODS OF USE THEREOF
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机译：基于特征集的分析和其使用方法，在POS器件中提供欺诈检测的交易卡和基于计算机的系统
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摘要
Transaction cards, systems and methods for performing fraud detection at POS devices based on analysis of feature sets are disclosed. In one embodiment, an exemplary transaction card may comprise one or more sensors configured to collect pre-card-use sensor data regarding a user of the card, circuitry that assembles such data into feature sets and performs fraud detection, and data storage. According to some aspects, the fraud detection may include comparing user specific sensor data, collected for a current transaction, to a user-specific risk profile validation model to determine a risk score for the current transaction, and transmitting the risk score to a card transacting device when a card is presented during a transaction. In some implementations, the risk score may enable the card transacting device to evaluate a risk associated with accepting the transaction card to complete the attempted transaction.
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