Mzilikazi L Whitfield

US Patent:

20050261997, Nov 24, 2005

Filed:

May 24, 2004

Appl. No.:

10/709697

Inventors:

Kenneth Austin - Phoenix AZ, US
Thomas Callaghan - High PT. NC, US
Ravinder Dhamija - Rohtak/Haryana, IN
Deborah Dierker - Phoenix AZ, US
Beth Gallagher - Phoenix AZ, US
Jeffrey Gass - Phoenix AZ, US
Tod Johnston - Phoenix AZ, US
Marcel Leyva - Chandler AZ, US
Sedettra Rankin - Phoenix AZ, US
Guruprasad Shenoy - Phoenix AZ, US
Mzilikazi Whitfield - Kernersville NC, US

Assignee:

AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY INC. - New York NY

International Classification:

G06F017/60

US Classification:

705035000, 705030000

Abstract:

Processing requests for financial-related transactions. Upon receiving a communication from a caller, wherein the communication includes a request for a particular financial card, information is obtained from the customer for use in processing the request. A first set of criteria related to the information is evaluated to determine if the request involves potential fraud. Based upon the evaluation of the first set of criteria, a second set of criteria related to the information is selectively evaluated to determine if the request involves potential fraud. An indication of the evaluation is output and used to determine whether to issue the requested financial card.