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US Patent 11842352 Systems and methods for account validation

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Is a
Patent
Patent
0

Patent attributes

Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
0
Patent Number
118423520
Patent Inventor Names
Mark Jones0
Sameer Kurani0
Stew Cofer0
Date of Patent
December 12, 2023
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Patent Application Number
180521020
Date Filed
November 2, 2022
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Patent Citations
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US Patent 8453226 Token validation for advanced authorization
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US Patent 10140597 Payment instrument validation and processing
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US Patent 8170953 Systems and method for screening payment transactions
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US Patent 8666893 Electronic funds transfer authentication system
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Patent Primary Examiner
‌
Tien C Nguyen
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CPC Code
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G06N 20/00
0
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G06N 3/08
0
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G06Q 20/4016
0
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G06Q 20/02
0
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G06N 20/10
0
Patent abstract

Systems and methods for account validation are disclosed. A method may include: receiving, at a validation computer program and from a client device, a request to validate payment information; querying, by the validation computer program, a plurality of validation systems with at least some of the payment information; receiving, at the validation computer program, a query response from each validation system; calculating, by the validation computer program, a risk score for each validation system based on a comparison between the payment information and the query response; weighting, by the validation computer program, the risk score for each validation system, wherein the weighting may be based on an accuracy of past risk scores for each validation system; aggregating, by the validation computer program, the weighted risk scores into a cumulative risk score; and outputting the cumulative risk score to the client device.

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