Patent ID: 7562048
Filing Date: 2009-07-14
Classification: G06Q

Abstract:
1. A method of enrolling a customer for a retailer debit card, the method comprising: using a check writing module of a central computing network to maintaining a history of checks, wherein a retail corporation includes the central computing network and multiple retail stores, and the history of checks only relates to checks previously provided as tender for purchase of items from the multiple retail stores; using the central computing network to setting a validation threshold score selected to reduce risk of customer fraud in establishing the retailer debit card provided by the retail corporation; using a point-of-sale device within one of the multiple retail stores to receive enrollment data from the customer applying for the retailer debit card and for sending the enrollment data to the central computing network, the enrollment data including two or more of: (1) a customer name, (2) a customer social security number, (3) a customer date of birth, and (4) a customer address; using a rating module of the central computing network to establishing a check writer rating for the customer, wherein: the check writer rating is based on a portion of the history of checks that is associated with the customer, the portion of the history of checks including at least two of: (1) a number of checks written by the customer to the retail corporation, (2) a total dollar amount of checks written by the customer to the retail corporation, and (3) a time period over which the customer has written checks to the retail corporation, and the check writer rating is selected from a range of check writer ratings, and a first end of the range indicates a poor check writer rating and a second end of the range indicates a good check writer rating and the central computing network includes the rating module; using the central computing network to adjust the validation threshold score, based on the check writer rating of the customer, to provide an adjusted validation threshold score specific to the customer, wherein the adjusted validation threshold score is a harder threshold to meet when the check writer rating of the customer is nearer the first end of the range of check writer ratings than if the check writer rating of the customer is nearer the second end of the range of check writer ratings; using the central computing network to compare a validation score, which is indicative of a validity of the enrollment data, to the adjusted validation threshold score; denying enrollment of the customer if the validation score is less than the adjusted validation threshold score; and accepting enrollment of the customer if the validation score is at least equal to the adjusted validation threshold score.