초록 ▼

An automated security credit checking system for checking a credit application for fraud before a credit card is issued. The credit checking system scans the credit application, and uses an optical character recognition program to check the application. The credit checking system helps determine whe

An automated security credit checking system for checking a credit application for fraud before a credit card is issued. The credit checking system scans the credit application, and uses an optical character recognition program to check the application. The credit checking system helps determine whether the application is legible, and whether there is a discrepancy between the post mark and the mailing address. The credit checking system automatically determines whether the application is a corporate or individual application, and whether the application is one of numerous requests from the same person, employer, or address. The credit checking system also tracks the status of each application and the route each type of application has taken, whether it is a corporate application, a suspected fraudulent application, a verified fraudulent application, or a rejected application. This credit checking system checks on-line national fraud information sources, and fraud information that is compiled by the system and entered into system memory on a daily basis. A letter listing credit bureaus to contact for protection is generated and sent to any victim of fraud detected during daily credit checking. The automated credit checking system keeps a daily tally of the number of corporate applications received, the percentage of individual applications approved, the percentage of individual applications declined or rejected, and the percentage of individual applications that were detected as being fraudulent.

대표청구항 ▼

[ We claim:] [1.] An automated security credit checking system comprising:main computer system processor means;computer terminal means electronically connected to said main computer processor means for receiving and scanning original credit applications and envelope postmarks from envelopes of the o

[ We claim:] [1.] An automated security credit checking system comprising:main computer system processor means;computer terminal means electronically connected to said main computer processor means for receiving and scanning original credit applications and envelope postmarks from envelopes of the original credit applications wherein a scanned credit application and envelope postmark is formed when a credit application and envelope postmark is scanned;system memory means for storing said scanned credit application and envelope postmark that is sent to said system memory means from said computer terminal means;inputter terminal means electronically connected to said main computer system processor for allowing review of said scanned credit application and envelope postmark for legibility, wherein said scanned credit application and envelope postmark is sent to said inputter terminal means from said system memory means;verification terminal means electronically connected to said main computer system processor means for determining whether said scanned credit application contains suspected fraud by comparing a mailing address of the application to a location from the envelope postmark and suspecting fraud if the mailing address and postmark location are different;verified fraudulent application terminal means electronically connected to said main computer system processor means for processing said scanned credit application after determining that said scanned credit application contains verified fraud;review terminal means electronically connected to said main computer system processor means for receiving said scanned credit application after processing by said verification terminal means when said verification terminal means determines than no fraud exists in said scanned application; andtallies means electronically connected to said main computer system processor means for calculating totals and percentages of applications received and approved on a daily basis.