Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2008-06-03
2008-06-03
Trammell, James P. (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S038000, C705S035000
Reexamination Certificate
active
07383224
ABSTRACT:
A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The method comprises determining a merchant type for a merchant which is a party to the transaction. A merchant credit risk associated with the determined merchant type is determined. The merchant credit risk is compared to a threshold value defining an acceptable credit risk. The transaction is approved based on the comparison of the merchant credit risk with the threshold value.
REFERENCES:
patent: 6456984 (2002-09-01), Demoff et al.
patent: 6535855 (2003-03-01), Cahill et al.
Patent Examiner Affidavit, signed on Oct. 2, 2006.
Huennekens Kevin
Li Haicheng
Marshall Jeffrey
Poteralski Martin
Solomon Marc
Apple Kirsten
Capital One Financial Corporation
Finnegan Henderson Farabow Garrett & Dunner LLP
Trammell James P.
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