US 12,277,565 B2
System for identifying points of compromise
Christopher Kallas, Minneapolis, MN (US); and Xiaoqiao Wei, Minneapolis, MN (US)
Assigned to U.S. Bancorp, National Association, Minneapolis, MN (US)
Filed by U.S. Bancorp, National Association, Minneapolis, MN (US)
Filed on Feb. 14, 2024, as Appl. No. 18/441,260.
Application 18/441,260 is a continuation of application No. 17/082,664, filed on Oct. 28, 2020, granted, now 11,941,633.
Application 17/082,664 is a continuation in part of application No. 16/562,724, filed on Sep. 6, 2019, granted, now 11,468,447.
Prior Publication US 2024/0265398 A1, Aug. 8, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G11C 11/41 (2006.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/4015 (2020.05); G11C 11/41 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An apparatus comprising:
one or more processors; and
memory having programmed instructions that when executed cause the one or more processors to:
identify a point-of-compromise (POC) location;
determine a number of transaction cards having suspicious fraud activity at the POC location for each of a plurality of time slices of a first time interval;
for each of a plurality of transaction cards, dynamically update a matrix stored in the memory by incrementing a counter stored in the matrix and corresponding to the transaction card responsive to the transaction card performing a fraudulent transaction at any location subsequent to performing a non-fraudulent transaction at the POC location during the first time interval;
identify an initial POC time slice;
determine an end POC time slice after the initial POC time slice, wherein a time period beginning at the initial POC time slice and ending at the end POC time slice is a window of compromise;
determine one or more transaction cards of a plurality of transaction cards that performed non-fraudulent transactions at the POC location during the first time interval but outside and not within the window of compromise between the initial POC time slice and the end POC time slice; and
responsive to the determination of the one or more transaction cards that performed non-fraudulent transactions at the POC location during the first time interval but outside and not within the window of compromise between the initial POC time slice and the end POC time slice, remove data associated with each of the one or more transaction cards from the matrix stored in the memory.