Patent US6095413A successfully refreshed from Google Patents.
US6095413A
Expired / Lapsed
US
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System and method for enhanced fraud detection in automated electronic credit card processing
Assignee: Automated Transaction Corp
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Filing: 1997-11-17
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Granted: 2000-08-01
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Expires: 2017-11-17
Abstract
Abstract A method and system for authorizing an electronic credit card transaction having enhanced measures for detecting fraudulent transactions. A user at a remote terminal attempting to conduct an electronic credit card transaction is prompted to input the user's credit card information, address, and social security number. The information input by the user is retrieved and used for identification purposes. Initially, the input credit card information is submitted to an issuer of the user's credit card to determine whether the input credit card information is valid. The social security number input by the user is next checked to determine if it corresponds to the user. A database having a stored list of social security numbers is accessed, wherein each of the stored social security numbers includes at least one address stored therewith corresponding to an address of an individual identified by the respective social security number. The addresses stored in association with the input social security number are retrieved and compared with the input address to determine if the input address corresponds to any of the retrieved stored addresses. If the input credit card information has been confirmed by the issuer as being valid and the address input by the user matches any of the retrieved addresses stored in association with the input social security number, the electronic credit card transaction is authorized and allowed to transpire. The social security number database is stored and accessed separately from the issuer's credit card information database to provide an added measure of protection against a person fraudulently gaining access to one of the databases, since access to the information in both databases is required to complete the financial transaction.
Inventors
- 👤 Donald Tetro
- 👤 Edward Lipton
- 👤 Andrew Sackheim
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 12:35
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/38; G06Q20/40; G06Q20/403; G06Q20/4037
Claims Analysis
Total Claims: 24
Claim 1
Independent Claim
188 words
A method of authorizing an electronic credit card transaction, comprising the steps of: generating a request for a user at a remote terminal to input the user's credit card information, address, and social security number; receiving the information input by the user; communicating the input information to a credit card database provided by an issuer of the user's credit card to determine whether the input information is valid; accessing a social security number database having a list of social security numbers stored therein, wherein each of said stored social security numbers includes at least one address stored therewith corresponding to an address of an individual identified by the respective social security number; retrieving the at least one stored address associated with the input social security number; comparing the input address with the at least one retrieved stored address to corroborate the information stored in the credit card database with the information stored in the social security number database; and authorizing the electronic credit card transaction when said input information is determined to correspond to information stored in both the credit card database and the social security number database.
Claim 2
Independent Claim
188 words
A method of authorizing an electronic credit card transaction, comprising the steps of: generating a request for a user at a remote terminal to input the user's credit card information, address, and social security number; receiving the information input by the user; communicating the input information to a credit card database provided by an issuer of the user's credit card to determine whether the input information is valid; accessing a social security number database having a list of social security numbers stored therein, wherein each of said stored social security numbers includes at least one address stored therewith corresponding to an address of an individual identified by the respective social security number; retrieving the at least one stored address associated with the input social security number; comparing the input address with the at least one retrieved stored address to corroborate the information stored in the credit card database with the information stored in the social security number database; and authorizing the electronic credit card transaction when said input information is determined to correspond to information stored in both the credit card database and the social security number database.
Claim 3
Dependent Claim
32 words
The method of authorizing an electronic credit card transaction as defined in claim 1, wherein the social security number database is stored separately from the credit card information stored by the issuer.
Claim 4
Dependent Claim
38 words
The method of authorizing an electronic credit card transaction as defined in claim 1, wherein the address input by the user is communicated to the issuer along with the input credit card information for validation by the issuer.
Claim 5
Dependent Claim
72 words
The method of authorizing an electronic credit card transaction as defined in claim 1, further comprising the steps of: collecting a phone number from which the remote terminal is communicating; comparing the collected phone number with a stored list of blocked phone numbers which are not authorized to perform electronic credit card transactions; and rejecting authorization if the collected phone number matches any of the blocked phone numbers on the stored list.
Claim 6
Dependent Claim
56 words
The method of authorizing an electronic credit card transaction as defined in claim 1, further comprising the steps of: delivering a negative response to the user indicating that the electronic credit card transaction is being refused when authorization is not granted; and notifying the user of the reason for which the credit card transaction is refused.
Claim 7
Dependent Claim
55 words
The method of authorizing an electronic credit card transaction as defined in claim 1, further comprising the steps of: determining whether a predetermined expenditure limit has been exceeded within a given time period by the credit card identified by the input credit card information; and denying authorization if the predetermined expenditure limit has been exceeded.
Claim 8
Dependent Claim
31 words
The method of authorizing an electronic credit card transaction as defined in claim 1, wherein the address input by the user includes the street address and zip code of the user.
Claim 9
Dependent Claim
61 words
The method of authorizing an electronic credit card transaction as defined in claim 7, wherein said address comparing step compares the input street address and zip code with the retrieved stored addresses in the social security database to determine if the input street address and zip code match any of the street addresses and zip codes in the retrieved stored addresses.
Claim 10
Dependent Claim
42 words
The method of authorizing an electronic credit card transaction as defined in claim 8, further comprising the step of determining whether the input street address is a P.O. Box if the input street address does not initially match a retrieved stored address.
Claim 11
Dependent Claim
26 words
The method of authorizing electronic credit card transactions as defined in claim 1, wherein the entire authorizing procedure is automated without the need for human intervention.
Claim 12
Dependent Claim
28 words
The method of authorizing an electronic credit card transaction as defined in claim 1, wherein the social security number database is independent from the user's credit card information.
Claim 13
Dependent Claim
197 words
An automated system for authorizing an electronic credit card transaction, comprising: inquiry means for requesting a user at a remote terminal to input the user's credit card information, address, and social security number; receiving means for collecting the information input by the user; comparing means for comparing the input information with information stored in a credit card information database provided by an issuer of the user's credit card to determine whether the input information is valid; retrieval means for accessing a social security number database of stored social security numbers having at least one address stored therewith corresponding to an address of an individual identified by the respective social security number and retrieving the at least one stored address associated with the social security number input by the user; processing means for comparing the input address with the at least one retrieved stored address from the social security number database and corroborating the information stored in the credit card information database; and authorizing means for authorizing the electronic credit card transaction when said input information is determined to correspond to the retrieved information stored in both the credit card information database and the social security number database.
Claim 14
Dependent Claim
197 words
An automated system for authorizing an electronic credit card transaction, comprising: inquiry means for requesting a user at a remote terminal to input the user's credit card information, address, and social security number; receiving means for collecting the information input by the user; comparing means for comparing the input information with information stored in a credit card information database provided by an issuer of the user's credit card to determine whether the input information is valid; retrieval means for accessing a social security number database of stored social security numbers having at least one address stored therewith corresponding to an address of an individual identified by the respective social security number and retrieving the at least one stored address associated with the social security number input by the user; processing means for comparing the input address with the at least one retrieved stored address from the social security number database and corroborating the information stored in the credit card information database; and authorizing means for authorizing the electronic credit card transaction when said input information is determined to correspond to the retrieved information stored in both the credit card information database and the social security number database.
Claim 15
Dependent Claim
33 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, wherein the social security number database is stored separately from the credit card information stored by the issuer.
Claim 16
Dependent Claim
37 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, wherein the address of the user is communicated to the issuer along with the credit card information for validation by the issuer.
Claim 17
Dependent Claim
78 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, further comprising: number identification means for collecting a phone number from which the remote terminal is communicating; and comparison means for comparing the collected phone number with a stored list of blocked phone numbers which are not authorized to perform electronic credit card transactions and rejecting authorization if the collected phone number matches any of the blocked phone numbers on the stored list.
Claim 18
Dependent Claim
57 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, further comprising notification means for generating a negative response to the user indicating that the electronic credit card transaction is being refused when authorization is not granted and notifying the user of the reason for which the credit card transaction is refused.
Claim 19
Dependent Claim
56 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, further comprising delimiting means for determining whether a predetermined expenditure limit has been exceeded within a given time period by the credit card identified by the input credit card information and denying authorization if the predetermined expenditure limit has been exceeded.
Claim 20
Dependent Claim
32 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, wherein the address input by the user includes the street address and zip code of the user.
Claim 21
Dependent Claim
62 words
The automated system for authorizing an electronic credit card transaction as defined in claim 16, wherein said processing means further compares the input street address and zip code with the retrieved stored addresses in the social security database to determine if the input street address and zip code match any of the street addresses and zip codes in the retrieved stored addresses.
Claim 22
Dependent Claim
42 words
The automated system for authorizing an electronic credit card transaction as defined in claim 19, wherein said processing means determines whether the input street address is a P.O. Box if the input street address does not initially match a retrieved stored address.
Claim 23
Dependent Claim
27 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, wherein the entire system is automated without the need for human intervention.
Claim 24
Dependent Claim
29 words
The automated system for authorizing an electronic credit card transaction as defined in claim 12, wherein the social security number database is independent from the user's credit card information.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-08-01 | 2004-01-31 | 2004-08-01 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-08-01 | 2008-01-31 | 2008-08-01 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-08-01 | 2012-01-31 | 2012-08-01 | $7700.00 | Window Closed / Lapsed |