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:
Sep. 04, 2012
Filed:
Mar. 25, 2009
David Patrick Dixon, Boerne, TX (US);
Gary Scott Harris, Boerne, TX (US);
David Patrick Dixon, Boerne, TX (US);
Gary Scott Harris, Boerne, TX (US);
United Services Automobile Association, San Antonio, TX (US);
Abstract
A system, method, and computer-usable medium are disclosed for identifying transactions resulting from the access of a financial account while a user is under duress. A user provides a duress shared secret. Instructions associated with the duress shared secret are processed and available financial account operations, along with associated financial account information, are displayed according to the associated instructions. The cash or electronic funds proceeds of a financial transaction operation are tagged with electronic fraud identification data. Tagged funds received by a financial institution are processed to extract their associated fraud identification data, which is then used to generate fraud trail data. If the tagged funds are used to originate follow-on financial transactions, they are likewise tagged with fraud identification data, which is likewise used to generate fraud trail data. Tagged funds are recovered by processing a tagged financial transaction to extract its associated fraud identification data, which is then used to query repositories of fraud trail data. Fraud trail data that matches the query is then processed to determine receiving account information. Rescission transactions are performed to recover funds up to the amount of the tagged financial transaction from the receiving account.