Patent ID: 8423455

Claim:
A method of enrolling a customer for a retailer debit card, the method comprising: maintaining, via a check writer rating module of a central computing network operated by a retail corporation, a history of checks previously provided as tender for purchase of items from the retail corporation; setting a validation threshold score selected to reduce risk of customer identification fraud associated with enrollment for the retailer debit card; receiving, at the central computing network, enrollment data from the customer via a device processing a purchase transaction at a location of the customer, wherein the device is in communication with the central computing network, establishing, using a rating module of the central computing network, a check writer rating for the customer based on a portion of the history of checks associated with the customer, wherein the check writer rating is selected from a range of check writer ratings between a poorest check writer rating and a best check writer rating; adjusting, using the central computing network, the validation threshold score based on the check writer rating of the customer to provide an adjusted validation threshold score, wherein the adjusted validation threshold score is a harder threshold to meet when the check writer rating of the customer is nearer the poorest check writer rating than if the check writer rating of the customer is nearer the best check writer rating along the range of check writer ratings; determining a validation score for the customer indicative of a likely validity of the enrollment data received from the customer, comparing the validation score, to the adjusted validation threshold score; and denying enrollment if the validation score is less than the adjusted validation threshold score, and deeming the enrollment data as valid for initial enrollment purposes if the validation score is at least equal to the adjusted validation score.