Product, Service, Or Business Identity Fraud Patents (Class 705/318)
  • Publication number: 20100145834
    Abstract: A method and system is provided that evaluates several pieces of information associated with bank accounts at the time they are opened in order to assess the level of fraud risk that the new account creates for the bank. When a new customer establishes an account the various information collected during the account establishment process is analyzed using a logic algorithm that makes a risk assessment. The logic algorithm assigns a risk level wherein the highest risk accounts may be refused immediately while the next highest risk tier is flagged for further monitoring. Once flagged for monitoring, the account is subject to increased scrutiny based on various customer attributes to identify any problematic patterns. If all transactions are normal, the scrutiny flag lapses. If risky transactions continue, a hold is placed on the account and additional investigation is undertaken to either clear or close the account.
    Type: Application
    Filed: December 9, 2009
    Publication date: June 10, 2010
    Applicant: CITIZENS FINANCIAL GROUP, INC.
    Inventor: Aaron A. Abbott
  • Publication number: 20100145868
    Abstract: Embodiments of the present invention provide for reduction of the likelihood of fraud by having at least one of an identifier of a location from where a request is submitted or information that can lead to identification of the location, submitted with or in addition to a request. Then, determination is made whether to service the request, based at least in part on the location from where the request is submitted or processed. In various embodiments, the location may be compared against predetermined permissible location(s) or a current user location. The request may be a request to conduct a transaction, access data, access a physical or informational resource, or access a secured area.
    Type: Application
    Filed: February 17, 2010
    Publication date: June 10, 2010
    Inventor: Brian Joseph Niedermeyer
  • Publication number: 20100145819
    Abstract: A wireless communication terminal for mobile commerce that can suspend events during Radio Frequency (RF) payment includes: a keypad for receiving a mobile commerce request and an authentication number; a controller for requesting authentication for the mobile commerce to an authenticator in response to the mobile commerce request, analyzing an authentication response message from the authenticator; an RF antenna for transmitting/receiving an RF signal; and a display.
    Type: Application
    Filed: February 18, 2010
    Publication date: June 10, 2010
    Applicant: Pantech Co., Ltd.
    Inventor: Chan-Geon Park
  • Publication number: 20100145836
    Abstract: Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in transaction data such as payment card transaction data. For example, one embodiment includes a computerized method of detecting that comprises receiving data associated with a financial transaction and at least one transacting entity, wherein the data associated with the transacting entity comprises at least a portion of each of a plurality of historical transactions of the transacting entity, applying the data to at least one first model, generating a score based on the first model, and generating data indicative of fraud based at least partly on the score. Other embodiments include systems and methods of generating models for use in fraud detection systems.
    Type: Application
    Filed: February 22, 2010
    Publication date: June 10, 2010
    Applicant: Basepoint Analytics LLC
    Inventors: James C. Baker, Jacob Spoelstra, Yuansong Liao
  • Publication number: 20100145729
    Abstract: A system, method and related devices for monitoring and improving the training and social eye contact and communication skills of developmentally challenged individuals such as autistic individuals and other individuals with special needs in improving their interpersonal communicating and other skills. A so called, TeachMe component of the system allows the defining of a students/patients long-term behavior or academic or social goal treatment in a hierarchical relationship of skills in treatment plans. It captures behavioral event within a ‘behavioral stream’ and in real time stores the ‘behavioral stream’ in a centralized database that can be accessed anywhere and anytime using the Internet. Procedures and materials used during the treatment are identified and data is stored in a central depository and can be displayed in a therapist's handheld device.
    Type: Application
    Filed: September 9, 2009
    Publication date: June 10, 2010
    Inventor: Barry Katz
  • Publication number: 20100131386
    Abstract: A system and method for determining e-commerce purchase eligibility of product offerings restricted to particular market segments and used in conjunction with an e-commerce system is described. Identifying information provided by the user is compared to a white list of eligibility parameters selected and configured by the vendor. An e-mail confirming eligibility and containing a customized URL is provided to the user; selecting the link automatically logs the user into the account. The system allows limited or unlimited purchases to be made by qualified users. Fraud detection is performed prior to checkout. Once the order has been processed the user may immediately download the product. An e-mail is sent to the user providing delayed downloading instructions and license key. Downloading may inject the license key for automatic software product or application activation.
    Type: Application
    Filed: November 25, 2009
    Publication date: May 27, 2010
    Applicant: DIGITAL RIVER, INC.
    Inventors: Brent D. Shiely, Michael E. Conner, David A. Woolenberg, Matthew John Voda, Jeffrey M. Diesner
  • Publication number: 20100121769
    Abstract: A method and system for facilitating verification of ownership of a first jewelry-related item are disclosed. In at least some embodiments, the method includes receiving at a central terminal, from a mobile device via an internet-type communications medium, a certificate number associated with a first certificate corresponding to the first jewelry-related item, where the central terminal is at least one of operated and controlled by an entity that provides guarantees or warranties in relation to a plurality of certificates that respectively pertain to respective jewelry items, the plurality of certificates including the first certificate. The method additionally includes searching a database associated with the central terminal for ownership data pertaining to the first jewelry-related item, and sending the ownership data from the central terminal for receipt by the mobile device.
    Type: Application
    Filed: July 8, 2009
    Publication date: May 13, 2010
    Inventor: Steven K. Yeko, SR.
  • Publication number: 20100106660
    Abstract: A commodity inspection method, including gathering inspection information from a commodity lot; collecting grower, field, and packing information associated with the commodity lot; recording purchase orders associated with the commodity lot; assigning a trace code to each of the purchase orders; entering the inspection information, the grower, field, and packing information, the purchase orders, and the trace codes into a central database; updating a content of a web-based application with the inspection information, the grower, field, and packing information, the purchase orders, and the trace codes within the central database; and allowing the customer to access the inspection information, and the grower, field, and packing information, by entering one of the trace codes into the web-based application. According to one embodiment, each of the purchase orders associated with the commodity lot is linked within the web-based application and incorporates Global Standards One (GS1) standards.
    Type: Application
    Filed: October 16, 2009
    Publication date: April 29, 2010
    Inventors: James G. Farmer, Charles W. Farmer, Joseph W. Farmer
  • Publication number: 20100088217
    Abstract: A system for implementing a compliance program in a financial institution is provided and includes a list database for storing material information regarding a plurality of entities that is known to said financial institution. Also included is a list manager that receives a compliance query from an affiliate of the financial institution having a status. The list manager provides a compliance response to the affiliate based on the plurality of entities and according to the status of the affiliate.
    Type: Application
    Filed: October 20, 2009
    Publication date: April 8, 2010
    Applicant: UBS AG
    Inventors: FREDERIC GREENBAUM, MICHAEL CORTESE, WAIKIT NG
  • Publication number: 20100076861
    Abstract: A computer-implemental method of transacting a sealed bid competition has deadline-assurance process which in part upholds the integrity of the sealed bid competition. In a sealed bid competition, a buyer originates a “request for bid” communication that specifies bid items as well as includes a parameter of deadline. Participating vendors respond with “response” communications that contain substantive content presumptively responsive to the “request for bid” communication. The object of a sealed bid competition is to keep everyone, including especially the buyer, blind to the bid responses of everyone else until after the deadline. The deadline-integrity process has the buyer either precluded from access to the “response” communications until the deadline or else has the buyer's activity with accessing the “response” communications is logged so that such log record can thereafter disclose if the buyer voluntarily restrained itself from accessing the “response” communications until after the deadline.
    Type: Application
    Filed: November 30, 2009
    Publication date: March 25, 2010
    Inventors: Joseph A. Herman, Darren C. Henderson, Erick L. Burgess
  • Publication number: 20100070424
    Abstract: An apparatus is disclosed. The apparatus is for comparing a set of production fraud parameters with one or more sets of test or proposed fraud parameters run against prepaid card production data in a prepaid card analysis.
    Type: Application
    Filed: September 23, 2009
    Publication date: March 18, 2010
    Inventor: Justin T. Monk
  • Publication number: 20100057631
    Abstract: Methods of the present invention allow for validating eCommerce transactions. An exemplary method for validating an eCommerce transaction may comprise the steps of validating a Hosting Provider, validating a Merchant using the Hosting Provider to host an eCommerce website, and validating a Customer who may purchase goods or services from the Merchant via the eCommerce website. If the Hosting Provider, Merchant, and Customer are validated, an eCommerce transaction may be approved.
    Type: Application
    Filed: November 16, 2009
    Publication date: March 4, 2010
    Applicant: The Go Daddy Group, Inc.
    Inventor: Neil Warner
  • Publication number: 20100049661
    Abstract: Bi-directional cattle traceability process comprising five basic stages: a first document traceability and sanitary certification chain stage, wherein the animals are identified by birth certificates, animal identification attached to the animal's ear and registered in a data centre. A second stage for transfer of animals to another establishment, wherein genetic material is extracted from the offspring not yet weaned, filed and registered and registered in the data centre. A third stage for slaughtering of animals, wherein the slaughtered animal's ear is cut off where the animal identification is attached and the animal identification is read on line, the half carcases have sealed strips applied to them, DNA samples are extracted from the animal, then deposited in the official genetic bank and on each cut a locket sampler is attached encrypting a genetic and biochemical sample.
    Type: Application
    Filed: August 30, 2007
    Publication date: February 25, 2010
    Inventor: Alberto Julio Minorini Lima