Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2005-06-14
2005-06-14
Elisca, Pierre E. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C380S258000
Reexamination Certificate
active
06907408
ABSTRACT:
The method of confirming an identity of a person who requests a financial transaction utilizes a plurality of confirmatory processes. Some of these processes include a voice responsive interactive session, an interactive electronic data session, acquiring and comparing a third set of acquired data with data from the person, and acquiring and comparing nth sets of acquiring data with data from the person. Each confirmatory process has time and cost factors associated therewith. The processes are prioritized and correlated to external factors such as the frequency of inquiry, communications channel data, the communications device, random selection criteria and sampling rate criteria. The financial transaction request is processed and cleared or rejected. Some acquired data is stored data and has a nominal cost and a substantially instantaneous. Other types of data are acquired from commercial data sources. Representative time and cost factors are utilized in order to establish a hierarchy of confirmatory processes based upon the external factors.
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Elisca Pierre E.
Fleit Kain
Kain, Jr. Robert C.
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