US 12,327,249 B2
Detecting cloned payment cards
Joel Richard Townsend, Spring Church, PA (US); and Peter Kurrasch, Palatine, IL (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on May 13, 2022, as Appl. No. 17/743,690.
Application 17/743,690 is a continuation in part of application No. 17/543,114, filed on Dec. 6, 2021.
Prior Publication US 2023/0177514 A1, Jun. 8, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06N 20/00 (2019.01); G06Q 20/34 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06N 20/00 (2019.01); G06Q 20/353 (2013.01); G06Q 20/407 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A payment device comprising:
at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the payment device to:
capture images of a payment card in contact with the payment device upon transaction initiation;
determine at least one indicia of the payment card from the captured images, wherein the at least one indicia of the payment card is a distinctive EMV chip trace line pattern;
compare the at least one determined indicia of the payment card to information about the payment card stored at time of payment card issuance;
determine a suspicious payment card based on at least the comparison of the at least one determined indicia of the payment card to information about the payment card stored at time of payment card issuance;
block transaction of the payment card with the payment device based on the determination of the suspicious payment card; and
transmit an alert indicating detection of the suspicious payment card.