Janet L Biffle

US Patent:

20070192249, Aug 16, 2007

Filed:

Dec 16, 2005

Appl. No.:

11/303018

Inventors:

Janet Biffle - Scottsdale AZ, US
Danielle Domenica - Phoenix AZ, US
Chanderpreet Duggal - Phoenix AZ, US
Kristin Gomes - State College PA, US
Stuart Goulden - Wharton NJ, US
Chin Khor - Glendale AZ, US
Vernon Marshall - Montclair NJ, US
Sabyasachi Mohanty - Jersey City NJ, US
Ian Webb - Darien CT, US

International Classification:

G06Q 40/00

US Classification:

705044000

Abstract:

The present invention provides systems, methods and computer program products for authorizing transactions based on, at least in part on, enhanced authorization data. In one embodiment, enhanced authorization data is received in a request for authorization to accept a transaction instrument as payment. Examples of enhanced authorization data include an automatic number identification, an information identifier, an email address, a contact telephone number, a ship-to-name, ship-to-address, an Internet Protocol address, and a seller identification. A risk analysis is performed based, at least in part, on the enhanced authorization data to determine the risk of the request being associated with a fraudulent purchase. The risk may be calculated by comparing the enhanced authorization data with information stored about the transaction instrument or with historical transaction information. Furthermore, the velocity of transactions associated with the enhanced authorization data may be measured in calculating the risk.

US Patent:

20070284433, Dec 13, 2007

Filed:

Jun 8, 2006

Appl. No.:

11/448767

Inventors:

Danielle R. Domenica - Phoenix AZ, US
Rahul S. Siddharth - New Delhi, IN
Chanderpreet Duggal - Phoenix AZ, US
Pradeep V. Ramesh - Haryana, IN
Janet L. Biffle - Cave Creek AZ, US
Kristin Hoyne Gomes - State College PA, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G07F 19/00
G06Q 40/00

US Classification:

235379, 705 44

Abstract:

A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.

US Patent:

20080314977, Dec 25, 2008

Filed:

Sep 5, 2008

Appl. No.:

12/205412

Inventors:

Danielle R. Domenica - Phoenix AZ, US
Chanderpreet Duggal - Phoenix AZ, US
Janet L. Biffle - Cave Creek AZ, US
Kristin Hoyne Gomes - Fenton MO, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06K 5/00

US Classification:

235380

Abstract:

A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one postal address as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first customer record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional customer record associated with the customer. Finally, the postal address is compared to the information contained in the additional record to create a comparison result that verifies the submitted postal address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.

US Patent:

20090157555, Jun 18, 2009

Filed:

Apr 2, 2008

Appl. No.:

12/061497

Inventors:

Janet Leslee Biffle - Cave Creek AZ, US
William J. Gray - Peoria AZ, US
Lesley Leggatt - Glendale AZ, US
Leigh R. Malnati - Mountain Lakes NJ, US
Chris M. Schuyler - Litchfield Park AZ, US
Danielle Sykes - Atlantic Highlands NJ, US
Ursula Winter - Valley Stream NY, US

Assignee:

American Express Travel Related Services Company, - New York NY

International Classification:

G06Q 20/00
H04L 9/32
G06Q 30/00

US Classification:

705 67, 705 44, 705 40, 705 35, 705 34

Abstract:

Automated authorization and processing of an interim payment is disclosed. When a merchant requests payment prior to a recurring payment process being enabled, the system handles the payment request without customer intervention. The system requests and receives a transaction coordination code for an interim payment from a financial processor. The system passes the interim payment transaction coordination code to the merchant so the merchant may obtain an authorized payment.

US Patent:

20070174164, Jul 26, 2007

Filed:

Dec 21, 2006

Appl. No.:

11/614784

Inventors:

Janet Biffle - Cave Creek AZ, US
Glade Erikson - Glendale AZ, US
Diane Farrell - Phoenix AZ, US
Chin Khor - Glendale AZ, US
David Knaut - Willowbrook IL, US
Vernon Marshall - Montclair NJ, US
John Rojewski - Glendale AZ, US
Sandeep Sacheti - Edison NJ, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705035000

Abstract:

A system, method, and computer program for providing a merchant with a fraud score for a card not present transaction. A card not present transaction is detected. A fraud score is appended to a message that provides information about the card not present transaction. The message is transmitted to the merchant. In one example, the message is an authorization message. In another example the message is an address verification message.

US Patent:

20160148176, May 26, 2016

Filed:

Nov 23, 2015

Appl. No.:

14/949076

Inventors:

- WILMINGTON DE, US
Rahul S. Siddharth - New Delhi, IN
Chanderpreet Duggal - Phoenix AZ, US
Pradeep V. Ramesh - Haryana, IN
Janet L. Biffle - Cave Creek AZ, US
Kristin Hoyne Gomes - State College PA, US

International Classification:

G06Q 20/10
G06Q 20/40

Abstract:

A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.