# US 9,038,888 B2 · Fraud control when granting instant credit

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- Number: US 9,038,888 B2
- Document ID: US9038888B2
- Status: Granted
- Kind: B2
- Application number: 13/725,792
- Filed: 2012-12-21
- Published: 2013-05-02
- Granted: 2015-05-26
- Earliest claimed: 2006-01-25
- Assignees: III Holdings 1, LLC
- Applicants: III Holdings 1, LLC
- Inventors: Stacey J. Crawford; Danielle M. Crop; Glade R. Erikson; Kristin H. Gomes; Sejal D. Vora
- Web page: https://patentgrep.com/patent/US9038888B2

## CPC

- G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q 10/02: Reservations, e.g. for tickets, services or events
- G06Q 10/0283: {for travel seating}
- 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

Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in authorizing the instant credit. When the IAN is issued to purchase airline tickets, it can be ensured that the applicant's last name matches the passenger's last name for the airline ticket being purchased, and that the ticket will not be renamed or sold. When the IAN is issued in conjunction with a partner's loyalty or rewards program, the applicant's account information with the rewards program is captured. It is ensured that the applicant has some tenure with the partner and that data submitted by the applicant is consistent with data on file with the partner.

## Claims

### Claim 1

A method comprising;
receiving, by a computer based system for issuing a transaction account, a transaction account application containing information about an applicant;
developing, by the computer based system, a transaction account application authorization decision based on the transaction account application and at least one of a tenure of the applicant in a third party rewards program with respect to an issuer of the transaction account and a comparison of applicant provided transaction account application information and information associated with the rewards program; and
indicating, by the computer based system and in response to the authorization decision, approval of the transaction account application.

### Claim 2 (depends on 1)

The method of claim 1, wherein the applicant is from an airline ticketing agency.

### Claim 3 (depends on 2)

The method of claim 2, further comprising offering, by the computer based system, the transaction account to the applicant in response to the applicant making a reservation with the airline ticketing agency.

### Claim 4 (depends on 1)

The method of claim 1, further comprising providing, by the computer based system, a transaction account code in response to the authorization decision.

### Claim 5 (depends on 4)

The method of claim 4, further comprising limiting, by the computer based system, an airline ticket purchased in the applicant's name using the transaction account code to not be renamed or resold, such that the name on the ticket can be compared with the name of the applicant associated with the transaction account code if the applicant attempts to use the ticket.

### Claim 6 (depends on 5)

The method of claim 5, wherein the limiting comprises flagging the airline ticket in a reservation system of the airline ticketing agency to indicate that the ticket cannot be renamed or resold.

### Claim 7 (depends on 4)

The method of claim 4, wherein the transaction account code is used to purchase an airline ticket from the airline ticketing agency.

### Claim 8 (depends on 1)

The method of claim 1, wherein the transaction account application is received from a database of an airline ticketing agency.

### Claim 9 (depends on 1)

The method of claim 1, wherein the transaction account application contains information received from at least one of an airline ticketing agency or information received from the applicant.

### Claim 10

A method comprising:
receiving, by a computer based system for issuing a transaction account, a transaction account application containing information about an applicant from a partner service provider, wherein the applicant has a rewards program account sponsored by the partner service provider;
developing, by the computer based system, a transaction account authorization decision based on at least one of information associated with the rewards program, tenure of the applicant in a third party rewards program with respect to a transaction account issuer provided by the partner service provider, and a comparison of applicant provided instant transaction account application information and information associated with the rewards program account of the applicant; and
indicating, by the computer based system and in response to the authorization decision, approval of the transaction account application.

### Claim 11 (depends on 10)

The method of claim 10, wherein the transaction account is used to purchase an airline ticket or make a lodging reservation.

### Claim 12 (depends on 10)

The method of claim 10, wherein the transaction account application contains information received from a database of the partner service provider.

### Claim 13 (depends on 10)

The method of claim 10, wherein the transaction account application contains information received from the partner service provider or information entered by the applicant.

### Claim 14 (depends on 10)

The method of claim 10, wherein the information associated with the rewards program comprises a name of the rewards program.

### Claim 15

A system comprising:
a processor;
a non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor system to perform operations comprising:
receiving a transaction account application containing information about an applicant for a transaction account;
developing a transaction account application authorization decision based on at least one of a tenure of the applicant in a third party rewards program with respect to an issuer of the transaction account and a comparison of applicant provided transaction account application information and information associated with the rewards program; and
indicating, in response to the authorization decision, approval of the transaction account application.

### Claim 16 (depends on 15)

The system of claim 15, wherein the transaction account is usable to purchase an airline ticket from an airline ticketing agency.

### Claim 17 (depends on 15)

The system of claim 15, wherein the operations further comprise offering the transaction account to the applicant while the applicant makes a reservation with an airline ticketing agency.

### Claim 18 (depends on 15)

The system of claim 15, wherein the transaction account application is received from an airline ticketing agency or the transaction account application contains information received from the airline ticketing agency.

### Claim 19 (depends on 15)

The system of claim 15, wherein the operations further comprise limiting an airline ticket purchased in the applicant's name using a transaction account code to not be renamed or resold, such that the name on the ticket can be compared with a name of a passenger if the passenger attempts to use the ticket.