Patents by Inventor Dwayne Fisher

Dwayne Fisher has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • PROVIDING A REAL TIME CREDIT SCORE AS PART OF A TRANSACTION REQUEST
    Publication number: 20100010930
    Abstract: Providing a real time credit score to a transaction account issuer as part of the transaction authorization request message is disclosed. A payment processor augments the transaction request received from a customer or merchant by calculating a credit score and adding it to the authorization request message. The real time credit score calculation may be based upon data stored by the payment processor and upon information collected from credit bureaus, transaction account issuers and other third-party sources.
    Type: Application
    Filed: July 11, 2008
    Publication date: January 14, 2010
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Clinton R. Allen, Glade R. Erikson, Dwayne Fisher, Sanjiv Khosla