DETERMINATION OF RISK FACTORS FOR USE IN A CARD REPLACEMENT PROCESS
First Claim
1. A method for facilitating the processing of requests for an item, comprising:
- receiving a communication from a caller, the communication including a request for said item;
obtaining information from the customer for use in processing the request;
evaluating a first set of criteria related to the information to determine if the request involves potential fraud;
selectively evaluating, based upon the evaluation of the first set of criteria, a second set of criteria related to the information to determine if the request involves potential fraud; and
outputting an indication of the evaluating step and using the indication to determine whether to issue the requested item.
1 Assignment
0 Petitions
Accused Products
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.
14 Citations
11 Claims
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1. A method for facilitating the processing of requests for an item, comprising:
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receiving a communication from a caller, the communication including a request for said item;
obtaining information from the customer for use in processing the request;
evaluating a first set of criteria related to the information to determine if the request involves potential fraud;
selectively evaluating, based upon the evaluation of the first set of criteria, a second set of criteria related to the information to determine if the request involves potential fraud; and
outputting an indication of the evaluating step and using the indication to determine whether to issue the requested item. - View Dependent Claims (2, 3, 4, 5)
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6. An apparatus for facilitating the processing of requests for financial-related transactions, comprising:
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a module configured to receive, via a communications network, a communication from a caller, the communication including a request for a particular financial card;
a module configured to obtain information from the customer for use in processing the request;
a module configured to evaluate a first set of criteria related to the information to determine if the request involves potential fraud;
a module configured to selectively evaluate, based upon the evaluation of the first set of criteria, a second set of criteria related to the information to determine if the request involves potential fraud; and
a module configured to output, via a network, an indication of the evaluating and using the indication to determine whether to issue the requested financial card.
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7. A method for facilitating the reduction of fraud associated with a transaction card account and a request for a particular financial card by a caller, said method comprising:
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receiving a communication from a caller, the communication including a request for a financial card and information for use in processing the request;
selectively evaluating first and second sets of criteria related to the information to determine if the request involves potential fraud; and
,performing an action related to the transaction card account based upon the evaluating step, including using the evaluating to determine whether to issue the requested financial card. - View Dependent Claims (8, 9, 10, 11)
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Specification