US 12,307,464 B2
Detecting cloned payment cards
Peter Kurrasch, Palatine, IL (US); and Joel Townsend, Spring Church, PA (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Dec. 6, 2021, as Appl. No. 17/543,114.
Prior Publication US 2023/0177511 A1, Jun. 8, 2023
Int. Cl. G06Q 20/40 (2012.01); G06N 3/04 (2023.01); G06Q 20/34 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06N 3/04 (2013.01); G06Q 20/353 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/407 (2013.01); G06Q 20/425 (2013.01)] 20 Claims
OG exemplary drawing
 
11. A method comprising:
capturing images of a payment card in contact with a payment device upon transaction initiation wherein at least one of the captured images is a unique trace line pattern of an EMV chip contact of the payment card;
analyzing the captured images, wherein during analyzing the captured images, the unique trace line pattern of the EMV chip contact of the payment card is compared to a unique stored trace line pattern of the EMV chip contact of the payment card at a time of issuance;
determining a suspicious payment card based on at least the analyzed captured images;
blocking transaction of the payment card with the payment device based on the determination of the suspicious payment card; and
transmitting an alert indicating detection of the suspicious payment card.