The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 25, 2020
Filed:
Oct. 30, 2012
International Business Machines Corporation, Armonk, NY (US);
Abhijit Deshmukh, Pune, IN;
Anurag Srivastava, Pune, IN;
International Business Machines Corporation, Armonk, NY (US);
Abstract
Machines, process, and articles of manufacture are provided wherein evaluations of a subscriber transaction or expenditure are provided. This evaluation may include receiving and considering one or more measured real-time first metrics of the subscriber, evaluating one or more received first metrics of the subscriber, receiving two or more financial metrics, one related to the transaction or the expenditure, and one related to the subscriber, and determining whether the subscriber transaction or expenditure should be assigned a full or partial authorized status. In an embodiment, the subscriber or a proxy may override a returned authorization to proceed with the subscriber transaction, a returned rejection, or returned advice.