US 12,002,092 B2
Systems and methods for credit approval using geographic data
Thomas G. Hochstatter, Austin, TX (US); John Leonard, Austin, TX (US); and Christopher W. McKinzie, Lakeway, TX (US)
Assigned to American Express Travel Related Services Company, Inc., New York, NY (US)
Filed by AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC., New York, NY (US)
Filed on Aug. 31, 2022, as Appl. No. 17/823,753.
Application 17/823,753 is a continuation of application No. 16/600,320, filed on Oct. 11, 2019, abandoned.
Application 16/600,320 is a continuation of application No. 15/055,226, filed on Feb. 26, 2016, granted, now 10,453,129.
Application 15/055,226 is a continuation of application No. 13/571,191, filed on Aug. 9, 2012, granted, now 9,311,672, issued on Apr. 12, 2016.
Prior Publication US 2023/0230154 A1, Jul. 20, 2023
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/12 (2012.01); G06Q 20/24 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01); G06Q 40/03 (2023.01); G06Q 50/00 (2012.01)
CPC G06Q 40/03 (2023.01) [G06Q 20/12 (2013.01); G06Q 20/24 (2013.01); G06Q 20/4016 (2013.01); G06Q 40/02 (2013.01); G06Q 50/01 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method, comprising:
identifying a network address, a port number, and a security protocol of a network node from among a plurality of computing nodes in a lookup table of a computing device;
establishing a secure network channel between the computing device and a data store of the network node based on the identified network address, the port number, and the security protocol;
receiving, by the computing device, stock keeping unit (SKU) data from the network node via a data exchange over the established secure network channel;
correlating, by the computing device, the SKU data with previous purchases of a user;
generating, by the computing device, a profile for the user which includes the correlated previous purchases of the user;
receiving, by the computing device, a request for approval of a transaction from the user;
generating, by the computing device, a conformance score for the transaction based on a comparison of the transaction with the correlated purchases in the profile; and
denying, by the computing device, the transaction based on the conformance score indicating that the transaction is nonconforming;
wherein the request for the approval is determined to be fraudulent based at least in part on a comparison between data related to the transaction and a geographic location based on a Global Positioning System reading associated with the request.