Systems and methods for account validation

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United States of America Patent

PATENT NO 11538040
APP PUB NO 20210248610A1
SERIAL NO

17174040

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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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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Patent Owner(s)

  • JPMORGAN CHASE BANK N.A.

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Cofer, Stew London, GB 2 4
Jones, Mark Dorset, GB 161 3166
Kurani, Sameer London, GB 2 4

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Jun 27, 2026
7.5 Year Payment $3600.00 $1800.00 $900.00 Jun 27, 2030
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jun 27, 2034
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00