Dragt
Bruce Dragt, Atlanta, GA US
Patent application number | Description | Published |
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20090307119 | CHECK TRANSMISSION INFORMATION NOTIFICATION SYSTEM FOR FRAUD PREVENTION - A fraud detection system can be implemented by a check processor and a financial institution. The check processor can notify the financial institution proximate to the time a check is submitted to a merchant. The financial institution can then assess whether the check is suspicious and, if suspicious, contact the account holder to confirm that the account holder actually wrote the check. The financial institution can make direct contact with the account holder to confirm that the account holder is aware of the check writing activity. | 12-10-2009 |
Bruce Dragt, Highlands Ranch, CO US
Patent application number | Description | Published |
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20090164365 | SYSTEMS AND METHODS FOR PERFORMING A SIMPLIFIED RISK ASSESSMENT - Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made. | 06-25-2009 |
Bruce A. Dragt, Marietta, GA US
Patent application number | Description | Published |
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20090240592 | ELECTRONIC NETWORK ACCESS DEVICE - Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other identifier as a payment device at a point of sale. In one implementation, a personal account number is generated by appending a proprietary routing code to a customer registration account number so that the personal account number is formatted for transmission as a payment device number over an electronic funds transfer network. In another implementation, the customer registration account number comprises the proprietary routing code. A preferred payment account identifier is accessed, based on the personal account number, from a database base, and a transaction approval message is constructed comprising the preferred payment account identifier. The account from which payment is made may be a credit account, a demand deposit account, a stored value account, or another kind of account. | 09-24-2009 |