US 7480631

Summary of US Patent 7480631

Title: System and method for detecting and processing fraud and credit abuse

Assignee: JPMorgan Chase Bank NA is the current assignee. Earlier assignees included Bank One, Delaware, National Association, and Chase Manhattan Bank USA, National Association.

Inventors: Angel Merced, Timothy A. Webb, SueAnne Senz, Chakravarthi S. Bathula, Lou Ann Hoffman, Anthony E. Rita, and Kevin D. Buckner.

Filing Date: December 15, 2004.

Issue Date: January 20, 2009.

Abstract: The patent describes a system and method for detecting and processing fraud and credit abuse. One method involves receiving a telephone call from a caller about a credit account, identifying potential fraud problems by searching account data against predefined criteria (qualifiers and quantifiers), asking the caller a series of questions where each subsequent question depends on previous responses and identified problems, and then determining the account's fraud status through a computerized analysis of these responses.

Plain-Language Overview of Independent Claims:

• Claim 1 (Method): This claim describes a method that begins with receiving a phone call about a credit account. The system then identifies possible fraud issues by checking the account data against specific fraud indicators (qualifiers and quantifiers). A series of questions is presented to the caller, with each question tailored based on the identified fraud issues and the caller's previous answers. Finally, a computer analyzes the caller's responses to determine the credit account's fraud status.
• Claim 7 (Method): This method focuses on a more automated, real-time approach. It involves continuously capturing transaction data for a credit account and comparing it against various fraud qualifiers and quantifiers. Based on this evaluation, a fraud alert is generated, which includes the type of potential fraud and a recommended plan to address it.
• Claim 10 (Method): This claim is similar to Claim 1 but broadens the initial interaction. It describes a method where an interactive communication (not just a telephone call) is established with a customer regarding a credit account. Potential fraud-related problems are identified by searching account data using qualifiers and quantifiers. The customer is then asked a series of dynamically generated questions, and a computerized analysis of their responses determines the fraud status.
• Claim 11 (System): This claim outlines a system designed to perform the method steps of Claim 1. It includes components (referred to as "means for") to receive a telephone call, identify potential fraud problems using qualifiers and quantifiers from credit account data, present dynamic questions to the caller and solicit responses, and determine the fraud status through computerized analysis of those responses.
• Claim 17 (System): This claim defines a system that implements the method of Claim 7. It includes "means for" capturing real-time transaction data, evaluating this data against fraud qualifiers and quantifiers, and generating a fraud alert that specifies the potential fraud type and a recommended strategy.
• Claim 20 (Method): This claim expands upon Claim 10 by adding a disposition strategy. After establishing interactive communication, identifying fraud problems, asking dynamic questions, and determining fraud status, this method further involves generating a strategy for handling the credit account. This strategy is based on the determined fraud status, a predefined fraud recovery pattern, an assessment of the account's profitability and risk, and an estimated success rate for recovering potential fraud losses.
• Claim 21 (Computer Readable Medium): This claim covers a computer-readable medium containing software code that enables a processor to execute the method steps of Claim 1. This includes code for receiving a telephone call, identifying fraud problems, presenting and soliciting responses to dynamic questions, and determining fraud status through computerized analysis.
• Claim 27 (Computer Readable Medium): This claim covers a computer-readable medium containing software code that enables a processor to execute the method steps of Claim 7. This includes code for capturing real-time transaction data, evaluating it against fraud qualifiers and quantifiers, and generating a fraud alert with a potential fraud type and a recommended strategy.

CAFC 2026 Dockets:
As of April 26, 2026, a search of the U.S. Court of Appeals for the Federal Circuit (CAFC) 2026 dockets (including May, June, and July schedules) did not explicitly list any cases related to patent number US7480631. Therefore, there is no authoritative information indicating ongoing litigation for this specific patent in the CAFC for 2026 at this time.