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SYSTEMS AND METHODS FOR ASSESSING THE RISK OF A FINANCIAL TRANSACTION USING AUTHENTICATING MARKS

  • US 20080046368A1
  • Filed: 10/26/2007
  • Published: 02/21/2008
  • Est. Priority Date: 12/09/2003
  • Status: Active Grant
First Claim
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1. A computerized method for determining whether to authorize a financial transaction associated with a negotiable instrument, the method comprising:

  • obtaining input about at least one authenticating mark on a negotiable instrument presented for a proposed financial transaction as well as information about a location associated with the negotiable instrument;

    comparing the input about the authenticating mark with stored data about authenticating marks;

    determining a risk score based at least in part on the comparison and the information about the location associated with the negotiable instrument; and

    determining based at least in part on the risk score whether to authorize the financial transaction.

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