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:
May. 05, 2009
Filed:
Apr. 11, 2005
Thomas H. Keithley, Monkton, MD (US);
Vincent W. Talbert, Cockeysville, MD (US);
Mark L. Lavelle, Govans, MD (US);
Thomas H. Keithley, Monkton, MD (US);
Vincent W. Talbert, Cockeysville, MD (US);
Mark L. Lavelle, Govans, MD (US);
Bill Me Later, Inc., Timonium, MD (US);
Abstract
Disclosed is a risk management system for providing risk data to an entity engaged in a transaction with a consumer. The system includes an authorization denial system having an authorization denial system interface for receiving a transaction data set having a plurality of data fields from the entity; and a denial rule set with multiple rules for outputting risk data directed to the transaction based upon the result of applying the rules to the data fields in the transaction data set. The authorization denial system interface transmits the resulting risk data to the entity. A method of authorizing a transaction between a consumer and an entity is also disclosed.