Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2010-04-20
2011-10-04
Dass, Harish T (Department: 3695)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S03600T, C705S037000, C705S038000, C705S039000, C705S040000, C705S041000, C705S044000, C705S014270, C705S018000, C705S007310, C235S380000, C283S066100, C340S425500
Reexamination Certificate
active
08032438
ABSTRACT:
According to an embodiment of the present invention, a computer implemented method and system for automatically implementing a fraud strategy may involve identifying transaction data related to a customer transaction based on a payment instrument; automatically identifying a pattern based on one or more factors associated with a customer spending profile; identifying a potential fraud situation based on the identified pattern and the transaction data; executing an action for the potential fraud situation; and adjusting authorized use of the payment instrument.
REFERENCES:
patent: 4321672 (1982-03-01), Braun et al.
patent: 4355372 (1982-10-01), Goldberg
patent: 4495018 (1985-01-01), Vohrer
patent: 4633397 (1986-12-01), Macco
patent: 4694397 (1987-09-01), Vignola
patent: 4722054 (1988-01-01), Fukushima
patent: 4745468 (1988-05-01), Von Kohorn
patent: 4752877 (1988-06-01), Roberts et al.
patent: 4774664 (1988-09-01), Gottardy
patent: 4797911 (1989-01-01), Marks
patent: 4812628 (1989-03-01), Boston
patent: 4914587 (1990-04-01), Clouse
patent: 4926255 (1990-05-01), Von Kohorn
patent: 4932046 (1990-06-01), Ross
patent: 4948174 (1990-08-01), Thomson et al.
patent: 4972504 (1990-11-01), Daniel, Jr.
patent: 4974878 (1990-12-01), Josephson
patent: 5041972 (1991-08-01), Frost
patent: 5050207 (1991-09-01), Hitchcock
patent: 5121945 (1992-06-01), Thomson et al.
patent: 5157717 (1992-10-01), Hitchcock
patent: 5179584 (1993-01-01), Tsumura
patent: 5220501 (1993-06-01), Lawlor
patent: 5225978 (1993-07-01), Petersen
patent: 5239642 (1993-08-01), Gutierrez et al.
patent: 5259023 (1993-11-01), Katz
patent: 5260778 (1993-11-01), Kauffman
patent: 5262941 (1993-11-01), Saladin et al.
patent: 5287269 (1994-02-01), Dorrough et al.
patent: 5361201 (1994-11-01), Jost et al.
patent: 5383113 (1995-01-01), Kight
patent: 5402474 (1995-03-01), Miller
patent: 5424938 (1995-06-01), Wagner
patent: 5465206 (1995-11-01), Hill et al.
patent: 5483445 (1996-01-01), Pickering
patent: 5490060 (1996-02-01), Malec
patent: 5523942 (1996-06-01), Tyler
patent: 5532920 (1996-07-01), Hartrick
patent: 5555299 (1996-09-01), Maloney et al.
patent: 5559855 (1996-09-01), Dowens et al.
patent: 5561707 (1996-10-01), Katz
patent: 5570465 (1996-10-01), Tsakanikas
patent: 5583759 (1996-12-01), Geer
patent: 5594791 (1997-01-01), Sziam et al.
patent: 5599528 (1997-02-01), Igaki
patent: 5615341 (1997-03-01), Srikant
patent: 5631828 (1997-05-01), Hagan
patent: 5652786 (1997-07-01), Rogers
patent: 5659165 (1997-08-01), Jennings
patent: 5684863 (1997-11-01), Katz
patent: 5699527 (1997-12-01), Davidson
patent: 5699528 (1997-12-01), Hogan
patent: 5710889 (1998-01-01), Clark et al.
patent: 5715298 (1998-02-01), Rogers
patent: 5715450 (1998-02-01), Ambrose
patent: 5727249 (1998-03-01), Powell
patent: 5742775 (1998-04-01), King
patent: 5745706 (1998-04-01), Wolfberg et al.
patent: 5757904 (1998-05-01), Anderson
patent: 5758126 (1998-05-01), Daniels et al.
patent: 5761647 (1998-06-01), Boushy
patent: 5765142 (1998-06-01), Allred et al.
patent: 5787403 (1998-07-01), Randle
patent: 5793846 (1998-08-01), Katz
patent: 5794221 (1998-08-01), Egendorf
patent: 5802498 (1998-09-01), Comesanas
patent: 5802499 (1998-09-01), Sampson et al.
patent: 5815551 (1998-09-01), Katz
patent: 5819226 (1998-10-01), Gopinathan et al.
patent: 5819238 (1998-10-01), Fernholz
patent: 5826241 (1998-10-01), Stein
patent: 5832447 (1998-11-01), Rieker
patent: 5832460 (1998-11-01), Bednar
patent: 5835087 (1998-11-01), Herz
patent: 5835580 (1998-11-01), Fraser
patent: 5835603 (1998-11-01), Coutts
patent: 5842211 (1998-11-01), Horadon
patent: 5862223 (1999-01-01), Walker
patent: 5870456 (1999-02-01), Rogers
patent: 5870721 (1999-02-01), Norris
patent: 5870724 (1999-02-01), Lawlor
patent: 5873072 (1999-02-01), Kight
patent: 5875437 (1999-02-01), Atkins
patent: 5884032 (1999-03-01), Bateman
patent: 5884288 (1999-03-01), Chang et al.
patent: 5890140 (1999-03-01), Clark et al.
patent: 5897625 (1999-04-01), Gustin
patent: 5899982 (1999-05-01), Randle
patent: 5903881 (1999-05-01), Schrader
patent: 5920847 (1999-07-01), Kolling et al.
patent: 5923745 (1999-07-01), Hurd
patent: 5940811 (1999-08-01), Norris
patent: 5943656 (1999-08-01), Crooks
patent: 5953406 (1999-09-01), LaRue et al.
patent: 5966695 (1999-10-01), Melchione et al.
patent: 5966698 (1999-10-01), Pollin
patent: 5970467 (1999-10-01), Alavi
patent: 5974396 (1999-10-01), Anderson
patent: 5978780 (1999-11-01), Watson
patent: 5987435 (1999-11-01), Weiss et al.
patent: 5991750 (1999-11-01), Craig
patent: 5995942 (1999-11-01), Smith et al.
patent: 5995948 (1999-11-01), Whitford
patent: 6006207 (1999-12-01), Mumick et al.
patent: 6016344 (2000-01-01), Katz
patent: 6016482 (2000-01-01), Molinari et al.
patent: 6018722 (2000-01-01), Ray et al.
patent: 6026370 (2000-02-01), Jermyn
patent: 6029139 (2000-02-01), Cunningham et al.
patent: 6032125 (2000-02-01), Ando
patent: 6038552 (2000-03-01), Fleischl et al.
patent: 6049782 (2000-04-01), Gottesman et al.
patent: 6055510 (2000-04-01), Henrick
patent: 6058378 (2000-05-01), Clark et al.
patent: 6067533 (2000-05-01), McCauley et al.
patent: 6070147 (2000-05-01), Harms et al.
patent: 6078892 (2000-06-01), Anderson et al.
patent: 6088685 (2000-07-01), Kiron et al.
patent: 6098052 (2000-08-01), Kosiba et al.
patent: 6100891 (2000-08-01), Thorne
patent: 6101486 (2000-08-01), Robert et al.
patent: 6119103 (2000-09-01), Basch et al.
patent: 6148293 (2000-11-01), King
patent: 6151584 (2000-11-01), Papierniak et al.
patent: 6157924 (2000-12-01), Austin
patent: 6212178 (2001-04-01), Beck et al.
patent: 6226623 (2001-05-01), Schein et al.
patent: 6230287 (2001-05-01), Pinard et al.
patent: 6233332 (2001-05-01), Anderson et al.
patent: 6233566 (2001-05-01), Levine et al.
patent: 6278981 (2001-08-01), Dembo et al.
patent: 6301567 (2001-10-01), Leong et al.
patent: 6304653 (2001-10-01), O'Neill et al.
patent: 6304858 (2001-10-01), Mosler et al.
patent: 6321212 (2001-11-01), Lange
patent: 6324525 (2001-11-01), Kramer et al.
patent: 6338047 (2002-01-01), Wallman
patent: 6393409 (2002-05-01), Young et al.
patent: 6405179 (2002-06-01), Rebane
patent: 6418419 (2002-07-01), Nieboer et al.
patent: 6430545 (2002-08-01), Honarvar et al.
patent: 6456983 (2002-09-01), Keyes et al.
patent: 6480850 (2002-11-01), Veldhuisen
patent: 6513019 (2003-01-01), Lewis
patent: 6553113 (2003-04-01), Dhir et al.
patent: 6578015 (2003-06-01), Haseltine et al.
patent: 6658393 (2003-12-01), Basch et al.
patent: 6804346 (2004-10-01), Mewhinney
patent: 6823319 (2004-11-01), Lynch et al.
patent: 6925441 (2005-08-01), Jones, III et al.
patent: 6988082 (2006-01-01), Williams et al.
patent: 7206768 (2007-04-01), deGroeve et al.
patent: 7310618 (2007-12-01), Libman
patent: 7707089 (2010-04-01), Barton et al.
patent: 2001/0032158 (2001-10-01), Starkman
patent: 2001/0032159 (2001-10-01), Starkman
patent: 2001/0032176 (2001-10-01), Starkman
patent: 2001/0034682 (2001-10-01), Knight et al.
patent: 2001/0042034 (2001-11-01), Elliott
patent: 2001/0044293 (2001-11-01), Morgan
patent: 2001/0047489 (2001-11-01), Ito et al.
patent: 2002/0026394 (2002-02-01), Savage et al.
patent: 2002/0059141 (2002-05-01), Davies et al.
patent: 2003/0101119 (2003-05-01), Persons et al.
patent: 2003/0163403 (2003-08-01), Chen et al.
patent: 2003/0208441 (2003-11-01), Poplawski et al.
patent: 2004/0252823 (2004-12-01), Becerra et al.
patent: 2009/0132347 (2009-05-01), Anderson et al.
patent: 002383497 (2003-06-01), None
patent: 7-152960 (1995-06-01), None
patent: 2007088822 (2007-04-01), None
patent: 01/86524 (2001-11-01), None
Overseas, the Shock of the Surcharge; David a. Kelly. New York Times. (Late Edition (East Coast)). New York, N.Y.: Feb. 19, 2006. p. 5.6.
What happened to neural nets? Sidney Hill Jr. Collections & Credit Risk. New York: Aug. 1999. vol. 4, Iss. 8; p. 39, 5 pgs.
Delivering the Right Information to the Right Resource or Every Customer Interaction; Intelligent Callrouter, www.geotel.com/solutions/icr/default/htm, 1998, 1 page.
Global Corruption Report 2004, Transparency International, Pluto Press, www.globalcorrupt, ISBN 07453 2231, Jun. 26
Barton Thomas C.
Paulson, Jr. Harold
Dass Harish T
Hunton & Williams LLP
JPMorgan Chase Bank N.A.
LandOfFree
Method and system for automating fraud authorization strategies does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Method and system for automating fraud authorization strategies, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for automating fraud authorization strategies will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4283516