# US 12,002,092 B2 · Systems and methods for credit approval using geographic data > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,002,092 B2 - Document ID: US12002092B2 - Status: Granted - Kind: B2 - Application number: 17/823,753 - Filed: 2022-08-31 - Published: 2023-07-20 - Granted: 2024-06-04 - Earliest claimed: 2012-08-09 - Assignees: American Express Travel Related Services Company, Inc. - Applicants: American Express Travel Related Services Company, Inc. - Inventors: Thomas G. Hochstatter; John Leonard; Christopher W. McKinzie - Web page: https://patentgrep.com/patent/US12002092B2 ## CPC - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/24: Credit schemes, i.e. "pay after" - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/03: Credit; Loans; Processing thereof - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination. ## Claims ### Claim 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. ### Claim 2 (depends on 1) The method of claim 1, wherein each of the plurality of computing nodes is operated by a third party system. ### Claim 3 (depends on 1) The method of claim 1, wherein the previous purchases comprise: a plurality of transactions conducted on behalf of the user with a plurality of third party systems. ### Claim 4 (depends on 1) The method of claim 1, wherein the previous purchases comprise: data representing a plurality of approval decisions for the user. ### Claim 5 (depends on 1) The method of claim 1, wherein the method further comprises: determining a conformance metric that indicates a mathematical degree to which the request is consistent with individual transaction history corresponding to the user. ### Claim 6 (depends on 5) The method of claim 5, wherein the determining the conformance metric for the request is based at least in part on a least squares method. ### Claim 7 A non-transitory computer-readable medium embodying computer instructions executable in a computing device, the computer instructions being configured to, when executed by a processor, cause the computing device to: identify 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; establish 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; receive stock keeping unit (SKU) data from the network node via a data exchange over the established secure network channel; generate a profile for a user, wherein the profile includes the correlated previous purchases of the user; receive a request for approval of a transaction from the user based upon the profile; generate a conformance score for the transaction based on a comparison of the transaction with the correlated purchases in the profile; and deny the transaction based on the conformance score that indicates 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. ### Claim 8 (depends on 7) The non-transitory computer-readable medium of claim 7, wherein each of the plurality of computing nodes is operated by a third party system. ### Claim 9 (depends on 7) The non-transitory computer-readable medium of claim 7, wherein the previous purchases comprise: a plurality of transactions conducted on behalf of the user with a plurality of third party systems. ### Claim 10 (depends on 7) The non-transitory computer-readable medium of claim 7, wherein the previous purchase includes a plurality of approval decisions for the user. ### Claim 11 (depends on 7) The non-transitory computer-readable medium of claim 7, wherein the computer instructions further cause the computing device to: determine a conformance metric that indicates a mathematical degree to which the request is consistent with individual transaction history corresponding to the user. ### Claim 12 (depends on 11) The non-transitory computer-readable medium of claim 11, wherein the conformance metric is determined based at least in part on a least squares method. ### Claim 13 A system, comprising: a computing device; and computer instructions executable by the computing device, wherein the computer instructions, when executed by a processor, cause the computing device to: identify 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; establish 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; receive stock keeping unit (SKU) data from the network node via a data exchange over the established secure network channel; generate a profile for a user, wherein the profile which includes the correlated previous purchases of the user; receive a request for approval of a transaction from the user generate a conformance score for the transaction based on a comparison of the transaction with the correlated purchases in the profile; and deny the transaction based on the conformance score that indicates 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. ### Claim 14 (depends on 13) The system of claim 13, wherein each of the plurality of computing nodes is operated by a third party system. ### Claim 15 (depends on 13) The system of claim 13, wherein the previous purchases comprise: a plurality of transactions conducted on behalf of the user with a plurality of third party systems. ### Claim 16 (depends on 13) The system of claim 13, wherein the previous purchases comprise: data representing a plurality of approval decisions for the user. ### Claim 17 (depends on 13) The system of claim 13, wherein the computer instructions further cause the computing device to: determine a conformance metric indicates a mathematical degree to which the request is consistent with the individual transaction history corresponding to the user.