Systems and methods for identifying information related to payment card breaches

Abstract

Approaches for determining a potential merchant breach are described. A system can acquire card transaction data from one or more sources such as merchants or financial institutions, in some instances at a predetermined time interval. Cards associated with the card transaction data can be analyzed to determine the health of a particular card, including the likelihood that the particular card has been compromised. A set of cards are accumulated, and their associated health data is stored. Based on the information obtained from a source, and the health associated with a set of cards, a potential date where a merchant was breached can be determined and fraudulent purchases can be prevented.

1 - 20 . (canceled) 
     
     
         21 . A system for determining a merchant breach, the system comprising:
 a memory device configured to store a set of instructions; and   one or more processors configured to execute the set of instructions that cause the one or more processors to:
 acquire card transaction data; 
 store information relating to cards associated with the card transaction data; 
 accumulate card health data for at least one card; 
 identify a potential merchant breach based on a comparison between the accumulated card health data and the stored information; and 
 display in a graphical user interface of the system a representation of at least a portion of the accumulated card health data and an indicator of the potential merchant breach. 
   
     
     
         22 . The system of  claim 21 , wherein the acquisition of the card transaction data is performed at a first predetermined periodic interval. 
     
     
         23 . The system of  claim 22 , wherein the set of instructions further cause the one or more processors to:
 determine at least one value indicative of card health at a second predetermined periodic interval; and   accumulate card health data for the at least one card based on the determined at least one value indicative of card health.   
     
     
         24 . The system of  claim 23 , wherein the card health is re-determined at least once for each card. 
     
     
         25 . The system of  claim 23 , wherein the card health values are stored based on a transaction date. 
     
     
         26 . The system of  claim 21 , wherein a merchant breach is identified by determining the accumulated card health indicator values and identifying a concentration of abnormal card health indicator values within a date range. 
     
     
         27 . They system of  claim 21 , wherein the comparison between the accumulated card health data and the stored information includes comparing the times at which card health data of the cards associated with the accumulated card health data changed and one or more common merchants included in the stored information. 
     
     
         28 . A method for determining a merchant breach, the method comprising:
 acquiring card transaction data;   storing information relating to cards associated with the card transaction data;   accumulating card health data for at least one card;   identifying a potential merchant breach based on a comparison between the accumulated card health data and the stored information; and   displaying in a graphical user interface of the system a representation of at least a portion of the accumulated card health data and an indicator of the potential merchant breach.   
     
     
         29 . The method of  claim 28 , wherein the acquisition of the card transaction data is performed at a first predetermined periodic interval. 
     
     
         30 . The method of  claim 29 , further comprising:
 determining at least one value indicative of card health at a second predetermined periodic interval; and   accumulating card health data for the at least one card based on the determined at least one value indicative of card health.   
     
     
         31 . The method of  claim 30 , wherein the card health is re-determined at least once for each card. 
     
     
         32 . The method of  claim 30 , wherein the card health values are stored based on a transaction date. 
     
     
         33 . The method of  claim 28 , wherein a merchant breach is identified by determining the accumulated card health indicator values and identifying a concentration of abnormal card health indicator values within a date range. 
     
     
         34 . The method of  claim 28 , wherein the comparison between the accumulated card health data and the stored information includes comparing the times at which card health data of the cards associated with the accumulated card health data changed and one or more common merchants included in the stored information. 
     
     
         35 . A non-transitory computer-readable medium storing a set of instructions that are executable by one or more processors to cause the one or more processors to perform a method to determine a merchant breach, the method comprising:
 acquiring card transaction data;   storing information relating to cards associated with the card transaction data;   accumulating card health data for at least one card;   identifying a potential merchant breach based on a comparison between the accumulated card health data and the stored information; and   displaying in a graphical user interface of the system a representation of at least a portion of the accumulated card health data and an indicator of the potential merchant breach.   
     
     
         36 . The non-transitory computer-readable medium of  claim 35 , wherein the set of instructions cause the one or more processors to acquire the card transaction data at a first predetermined periodic interval. 
     
     
         37 . The non-transitory computer-readable medium of  claim 36 , wherein the set of instructions cause the one or more processors to:
 determine at least one value indicative of card health at a second predetermined periodic interval; and   accumulate card health data for the at least one card based on the determined at least one value indicative of card health.   
     
     
         38 . The non-transitory computer-readable medium of  claim 37 , wherein the set of instructions cause the one or more processors to re-determine the card health at least once for each card. 
     
     
         39 . The non-transitory computer-readable medium of  claim 37 , wherein the set of instructions cause the one or more processors to store the card health values based on a transaction date. 
     
     
         40 . The non-transitory computer-readable medium of  claim 35 , wherein the set of instructions cause the one or more processors to compare the times at which card health data of the cards associated with the accumulated card health data changed and one or more common merchants included in the stored information.